CN111639934A - Payment method and payment device based on biological characteristic matching - Google Patents
Payment method and payment device based on biological characteristic matching Download PDFInfo
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- CN111639934A CN111639934A CN202010095989.4A CN202010095989A CN111639934A CN 111639934 A CN111639934 A CN 111639934A CN 202010095989 A CN202010095989 A CN 202010095989A CN 111639934 A CN111639934 A CN 111639934A
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
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- 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 relates to a payment method based on biological characteristic matching, which comprises the following steps: transmitting a communication signal to a user terminal; establishing communication connection with a user terminal; collecting a first biological characteristic of a user; and completing payment operation related to the transaction information based on the determination that the first biological characteristic and the second biological characteristic stored in the local end of the user terminal are in accordance with the matching expression. The method can remarkably improve the payment efficiency and allow a user to quickly enter a gate or pass through. In addition, the method is also beneficial to protecting the biological characteristic data of the user and reducing the security risk.
Description
Technical Field
The present invention relates to biometric collection and identification, and more particularly, to a payment method based on biometric matching.
Background
Existing face recognition based payment schemes typically include the following steps: a user clicks a face payment machine on a self-service machine; shooting a human face picture; a user inputs a mobile phone number or a payment password on an implement interface; the machine tool sends the collected information to the cloud end; and the cloud terminal authenticates and authorizes the face information. The efficiency of such payment schemes is not ideal due to the need to enter secondary authentication information. Entering a password at the implement may present a security problem. In addition, the face information or the feature information is transmitted to the cloud, which also poses a risk for protecting user data and privacy.
It appears that there is a need for an improvement of the above payment scheme, at least in terms of the user experience.
Disclosure of Invention
According to one aspect of the invention, a payment method based on biometric matching is provided. The method comprises the following steps: a) transmitting the communication signal to the user terminal; b) establishing communication connection with the user terminal; c) collecting a first biological characteristic of a user; and d) completing payment operation associated with the transaction information based on determining that the first biometric characteristic and a second biometric characteristic stored at the local end of the user terminal conform to the matching expression.
Optionally, the method further comprises: after the communication connection is established, all the user terminals of the current connection are displayed for the user to select at least one of them.
Optionally, step d) comprises: d1) providing the first biological characteristic to the user terminal; d2) and acquiring a matching result of the first biological characteristic and the second biological characteristic from the user terminal.
Optionally, step d) further comprises: and deleting the first biological characteristics at the acquisition end of the first biological characteristics.
Optionally, step d) comprises: d1) instructing the user terminal to submit the second biological characteristic; d2) and matching the first biological characteristic with a second biological characteristic submitted by the user terminal.
Optionally, step d) further comprises: and deleting the first biological characteristics and the second biological characteristics at the acquisition end of the first biological characteristics.
Optionally, the matching expression comprises: a similarity between a first element of the first biometric characteristic and a corresponding first element of the second biometric characteristic is greater than a first threshold; the similarity between a second element of the first biometric and a corresponding second element of the second biometric is greater than a second threshold and less than a third threshold.
Optionally, the similarity includes: at least one statistic between pixel grayscales of different pixel sets.
Optionally, the first and second biological features include human face features.
Optionally, the communication signal comprises an ultra-wideband signal.
According to another aspect of the present invention, there is provided a payment apparatus based on biometric matching. The device includes: a broadcasting unit configured to transmit a communication signal to a user terminal; a connection establishing unit configured to establish a communication connection with a user terminal; the system comprises a characteristic acquisition unit, a characteristic acquisition unit and a characteristic acquisition unit, wherein the characteristic acquisition unit is configured to acquire a first biological characteristic of a user; and a payment unit configured to complete a payment operation associated with the transaction information based on a determination that the first biometric characteristic matches a matching expression with a second biometric characteristic stored locally at the user terminal.
Optionally, the payment apparatus further comprises an interaction unit configured to: and displaying all the currently connected user terminals for the user to select at least one of the currently connected user terminals.
Optionally, the payment unit is configured to: providing a first biometric characteristic to a user terminal; and acquiring a matching result of the first biological characteristic and the second biological characteristic from the user terminal.
Optionally, the payment unit is configured to: instructing the user terminal to submit the second biometric; the first biometric characteristic is matched to the second biometric characteristic.
Optionally, the payment unit is configured to: the first biometric and/or the second biometric is deleted from the payment device.
Optionally, the payment unit comprises a matching expression unit configured to: determining a first similarity between a first element of the first biometric characteristic and a corresponding first element of the second biometric characteristic; a second similarity between a second element of the first biometric and a corresponding second element of the second biometric is determined.
Optionally, the payment unit comprises a statistics unit configured to: at least one statistical value between the pixel grayscales of the different pixel sets is calculated.
Optionally, the broadcast unit is configured to transmit an ultra-wideband signal.
Optionally, the feature acquisition unit is configured to acquire at least one of the following features of the user: human face features; iris features; and, an ocular feature.
The invention provides a payment method and a payment device based on biological characteristic matching, which can remarkably improve the payment efficiency and allow a user to quickly enter a gate or pass through. In addition, the payment device does not store the biological characteristic data of the user, does not classify or identify the biological characteristic data, and only utilizes the one-time data to execute the matching operation, so that the biological characteristic data of the user is protected, and the safety risk is reduced.
Drawings
Fig. 1 is a flowchart illustrating a biometric matching-based payment method according to a first embodiment of the present invention.
Fig. 2 is a block diagram illustrating a biometric-matching-based payment apparatus according to a second embodiment of the present invention.
Detailed Description
In the following description specific details are set forth in order to provide a thorough understanding of the present invention. It will be apparent, however, to one skilled in the art that embodiments of the invention may be practiced without these specific details. In the present invention, specific numerical references such as "first element", "second device", and the like may be made. However, specific numerical references should not be construed as necessarily subject to their literal order, but rather construed as "first element" as opposed to "second element".
The specific details set forth herein are merely exemplary and may be varied while remaining within the spirit and scope of the invention. The term "coupled" is defined to mean either directly connected to a component or indirectly connected to the component via another component.
Preferred embodiments of methods, systems and devices suitable for implementing the present invention are described below with reference to the accompanying drawings. Although embodiments are described with respect to a single combination of elements, it is to be understood that the invention includes all possible combinations of the disclosed elements. Thus, if one embodiment includes elements A, B and C, while a second embodiment includes elements B and D, the invention should also be considered to include A, B, C or the other remaining combinations of D, even if not explicitly disclosed.
The first embodiment of the present invention provides a biometric matching-based payment method, which includes the following steps S10-S12-S14-S16, as shown in fig. 1.
Step S10, broadcasting the communication signal to the user terminal.
Specifically, the communication signal may be transmitted to a plurality of different user terminals through the merchant terminal, and the transmission signal may be broadcast, so that all the user terminals within a certain range of the signal transmitter of the merchant terminal may receive the broadcast signal. By way of example, the communication signal comprises an ultra-wideband (UWB) signal, corresponding to a wireless carrier communication technology using a frequency bandwidth of 1GHz or more. When a user carries a user terminal with a UWB module to enter the range of 50-100cm in front of a gate with a signal transmitter, the user terminal can receive the signal broadcast by the signal transmitter. It should be understood that the broadcast approach is only one implementation. The merchant terminal may also transmit the communication signal in a non-broadcast manner, such as direct contact or code-scanning.
And step S12, establishing a communication connection with the user terminal.
After the user terminal enters a designated area (i.e., a broadcast range), the merchant terminal may broadcast a communication signal to the user terminal to initiate a connection request. After the connection is established, the user terminal and the merchant terminal establish a secure data transmission channel. Subsequently, the user terminal may launch the relevant application by itself. Whether the user terminal responds to the communication signal may be set by the user at the user terminal. Here, the related application is a payment-related application that stores account information of the user. Through communication interaction with the merchant terminal, the application can receive the identification information of the merchant terminal and the transaction information, and then execute subsequent payment behaviors. By way of example, the application may be launched by the user terminal itself, or via user selection, which may be run in a background mode without being noticed by the user.
And step S14, acquiring a first biological characteristic of the user.
In this step, after the communication connection with the user terminal is established, the merchant terminal acquires a first biological feature of the user, such as a face picture, an iris feature and/or a human eye feature. The biometric feature is temporarily recorded in the merchant terminal in the form of an image or video.
Step S16, completing the payment operation associated with the transaction information based on determining that the first biometric characteristic and the second biometric characteristic conform to the matching expression. The second biological characteristic is biological characteristic data which is stored in the local end of the user terminal and can be selected to be updated or not updated periodically.
Specifically, this step may include two embodiments. The first implementation is to securely send the first biometric feature (e.g. face picture) to the user terminal along with the merchant terminal information, transaction-related information, etc. via a communication connection with the user terminal, while the matching between the first biometric feature and the second biometric feature is performed by the user terminal and the matching result is returned to the merchant terminal. It should be noted that the matching result returned by the user terminal may be a final matching result (representing whether the first biometric feature and the second biometric feature conform to the matching expression) or some intermediate matching result (i.e. further data processing is performed by the merchant terminal). Even so, the processing of the intermediate matching result does not require the reuse of the user's biometric. Therefore, after the face picture is provided to the user terminal, the merchant terminal may delete the first biometric feature so as to protect the user privacy data.
The second biological characteristics comprise a face picture, iris characteristics, eye characteristics and the like which are stored at the local end of the user terminal, and can be obtained by shooting and recording the user by an image acquisition device carried by the user terminal and can be updated regularly. In short, the first and second biometrics are provided by the merchant terminal and the user terminal, respectively.
The second implementation is to perform the matching process at the merchant terminal. As an example, the merchant terminal instructs the user terminal to submit the second biometric; after receiving the second biometric, the merchant terminal matches the first biometric with the second biometric. After matching, the first biometric and the second biometric are selected for deletion at the merchant terminal.
"matching" as referred to herein does not include identification of a user's biometric, but rather only performs a match between a first biometric and a second biometric, authorizing the transaction to proceed after the match is successful; after matching, the merchant terminal will delete the acquired biometric. In short, the merchant terminal does not always correspond the user's biometric feature to the user himself (or his identity information), but uses the user's biometric feature only once. In this way, the risk of unauthorized use of the user's biometric by the merchant terminal is significantly reduced.
According to this first embodiment, in the case where the first biometric and the second biometric conform to the matching expression, it is determined that the matching is successful, and the execution of the payment action may be allowed. Otherwise, the payment action is terminated. The matching expression may represent a degree of conformity of a result of a matching operation between the plurality of elements of the first biometric characteristic and the plurality of elements of the second biometric characteristic to the matching criterion.
Specifically, matching expressions may include: a similarity between a first element of the first biometric characteristic and a corresponding first element of the second biometric characteristic is greater than a first threshold; the similarity between a second element of the first biometric and a corresponding second element of the second biometric is greater than a second threshold and less than a third threshold. As an example, the first and second biological features are face pictures, the first element is a human eye feature, and the second element is a skin feature or an iris feature. The expression given above may indicate that comparing the face picture recorded by the merchant terminal with the face picture stored in the user terminal, the eye features are very similar, the skin features are similar, but the similarity is less than the similarity of the eye features. Here, the similarity may be expressed as at least one statistical value between pixel grayscales of different pixel sets, for example, a grayscale variance, a texture entropy, an image second moment.
According to a preferred embodiment, after establishing the communication connection between the user terminal and the merchant terminal, the merchant terminal may display all currently connected user terminals for the user to select at least one of them for subsequent biometric acquisition and matching operations; or after the communication connection between the user terminal and the merchant terminal is established, the merchant terminal may display the currently acquired biological features of the plurality of users, so that the user can select at least one of the users to perform a subsequent biological feature matching operation. This will help with payment security and protect user privacy from other users receiving the current user's biometric and vice versa.
It should be noted that although the first embodiment is shown in the form of a flowchart, the steps therein may be combined with each other, may be split into a plurality of sub-steps, or may be performed in a different order. For example, step S14 may be performed prior to step S12, or step S14 may be performed in parallel with step S12. For another example, the steps S10, S12 may be combined into one step.
The second embodiment of the present invention provides a payment apparatus based on biometric matching, as shown in fig. 2, the payment apparatus 20 includes a broadcasting unit 201, a connection establishing unit 203, a feature collecting unit 205, and a payment unit 207. The broadcasting unit 201, the connection establishing unit 203, and the payment unit 207 are respectively coupled to the user terminal 101, and the feature collecting unit 205 is configured to collect a biometric feature of the user. The payment device 20 is installed at a commercial tenant, and may be embodied as a gate machine at a public transportation facility such as a subway, an entrance guard system at an entrance and an exit of a parking garage, and the like.
Specifically, the broadcast unit 201 is configured to transmit communication signals to the user terminal 101. The communication signal includes an Ultra Wide Band (UWB) signal, so that the broadcasting unit 201 uses a wireless carrier communication technique of a frequency bandwidth of 1GHz or more. The broadcasting unit 201 may be implemented as a signal transmitter or an antenna attached to the payment device.
The connection establishing unit 203 is configured to establish a communication connection with the user terminal 101. When the user terminal 101 approaches the payment apparatus 20, the connection establishing unit 203 and the user terminal 101 may establish a secure communication connection for subsequent data transmission. The data transmitted via the communication connection also includes the identification number of the payment device 20 and the transaction information. In response, the user terminal 101 may launch the relevant application itself in order to perform the subsequent payment action. Or, the payment-related application can be set to run in the background, and when a response is needed, the payment-related application is called to the foreground, and an operation interface is provided for the user to operate.
In addition, the payment apparatus 20 may further include an interaction unit (not shown in the drawings), which displays all the user terminals currently connected to the payment apparatus 20 and allows the user to select at least one of them for subsequent operations.
The feature acquisition unit 205 is configured to acquire a first biometric feature of the user. For example, it may be an image recording device attached to the payment device 20, preferably without a hard disk, which records image data for one-time use only.
The payment unit 207 is configured to complete a payment operation associated with the transaction information based on determining that the first biometric characteristic matches a matching expression with a second biometric characteristic stored on the local side of the user terminal 101. Specifically, the matching operation may be performed at the user terminal 101, and the matching result may be returned to the payment device 20. The matching operation may also be performed at the payment device 20, in which case the payment device 20 will instruct the user terminal 101 to upload the stored second biometric of the user. The matching operation does not correspond the biometric features of the user to the user himself (or his identity information). In any case, preferably, the payment device 20 will delete the biometric of the user it obtained after the matching operation is completed.
Further, the payment unit 207 comprises a matching expression unit configured to determine a first similarity between a first element of the first biometric feature and a corresponding first element of the second biometric feature; and determining a second similarity between the second element of the first biometric and a corresponding second element of the second biometric.
Further, the payment unit comprises a statistical unit configured to calculate at least one statistical value between pixel grayscales of different pixel sets, such as a grayscale variance, an image second moment, and the like, and such statistical value is used to measure the similarity.
After the payment unit 207 (specifically, the matching expression unit) determines that the first biometric characteristic and the second biometric characteristic conform to the matching expression, the payment unit 207 continues to perform a subsequent payment action, and completes the transaction.
The present invention also provides a gate comprising the payment device 20 of the second embodiment described above. Such a gate may be provided at a public transportation setting entrance, a playground, a library entrance, etc., which can significantly improve payment efficiency, allowing a user to quickly enter the gate or pass through.
According to some embodiments of the present invention, there is provided a machine-storage medium having stored thereon a collection of computer-executable instructions, wherein the collection of computer-executable instructions, when executed by a processor, will implement the method provided by the first embodiment described above.
According to some embodiments of the present invention, there is also provided a computer control apparatus configured to execute the steps of the method provided in the first embodiment in sequence when executing a batch of computer executable instructions stored in a memory.
According to further embodiments of the present invention, there is provided a biometric matching based payment method performed by a user payment terminal or an intelligent means held by a user. The payment method comprises the following steps: receiving a communication signal from a biometric acquisition device; establishing communication connection with a biological characteristic acquisition device; acquiring a first biological characteristic of a user from a biological characteristic acquisition device; and performing local-side payment operation associated with the transaction information based on determining that the first biometric characteristic and the second biometric characteristic stored on the local side conform to the matching expression.
Specifically, the calculation for determining whether the first biometric characteristic and the second biometric characteristic conform to the matching expression may be performed at the user payment device side, or may be performed by the biometric acquisition device. After the calculation is complete, the user payment terminal may instruct the biometric acquisition device to delete the first biometric and the second biometric that it may obtain. Here, the communication signal is preferably an ultra-wideband signal, and the first and second biometrics characteristics preferably include human face characteristics.
Those of skill in the art would appreciate that the various illustrative logical blocks, modules, circuits, and algorithm steps described in connection with the aspects disclosed herein may be implemented as electronic hardware, computer software, or combinations of both. To demonstrate interchangeability of hardware and software, various illustrative components, blocks, modules, circuits, and steps have been described above generally in terms of their functionality. Whether such functionality is implemented as hardware or software depends upon the particular application and design constraints imposed on the overall system. Skilled artisans may implement the described functionality in varying ways for each particular application, but such implementation decisions should not be interpreted as causing a departure from the scope of the present invention.
The above description is only for the preferred embodiment of the present invention and is not intended to limit the scope of the present invention. Various modifications may be made by those skilled in the art without departing from the spirit of the invention and the appended claims.
Claims (27)
1. A biometric matching based payment method, comprising:
a) transmitting the communication signal to the user terminal;
b) establishing communication connection with the user terminal;
c) collecting a first biological characteristic of a user;
d) and completing payment operation related to transaction information based on the fact that the first biological characteristics and second biological characteristics stored in the local end of the user terminal are determined to be in accordance with a matching expression.
2. The method of claim 1, further comprising:
after the communication connection is established, all the user terminals of the current connection are displayed for the user to select at least one of the user terminals.
3. The method of claim 1, wherein step d) comprises:
d1) providing the first biological characteristic to the user terminal;
d2) and acquiring a matching result of the first biological characteristic and the second biological characteristic from the user terminal.
4. The method of claim 3, wherein step d) further comprises:
and deleting the first biological characteristics at the acquisition end of the first biological characteristics.
5. The method of claim 1, wherein step d) comprises:
d1) instructing the user terminal to submit the second biometric;
d2) and matching the first biological characteristic with the second biological characteristic submitted by the user terminal.
6. The method of claim 5, wherein step d) further comprises:
deleting the first biological characteristics and the second biological characteristics at the acquisition end of the first biological characteristics.
7. The method of claim 1, wherein the matching expression comprises:
a similarity between a first element of the first biometric characteristic and a corresponding first element of the second biometric characteristic is greater than a first threshold;
a similarity between a second element of the first biometric and a corresponding second element of the second biometric is greater than a second threshold and less than a third threshold.
8. The method of claim 7, wherein the similarity comprises:
at least one statistic between pixel grayscales of different pixel sets.
9. The method of any one of claims 1 to 8, wherein the first and second biometric features comprise human face features.
10. The method of any of claims 1-8, wherein the communication signal comprises an ultra-wideband signal.
11. A biometric matching based payment device, comprising:
a broadcasting unit configured to transmit a communication signal to a user terminal;
a connection establishing unit configured to establish a communication connection with the user terminal;
the system comprises a characteristic acquisition unit, a characteristic acquisition unit and a characteristic acquisition unit, wherein the characteristic acquisition unit is configured to acquire a first biological characteristic of a user; and
and the payment unit is configured to complete payment operation related to transaction information based on the fact that the first biological characteristics and second biological characteristics stored in the local end of the user terminal are determined to be in accordance with a matching expression.
12. The payment apparatus of claim 11, wherein the payment apparatus further comprises an interaction unit configured to:
and displaying all the currently connected user terminals for the user to select at least one of the currently connected user terminals.
13. The payment device of claim 11, wherein the payment unit is configured to:
providing the first biometric characteristic to the user terminal;
and acquiring a matching result of the first biological characteristic and the second biological characteristic from the user terminal.
14. The payment device of claim 11, wherein the payment unit is configured to:
instructing the user terminal to submit the second biometric;
matching the first biometric with the second biometric.
15. The payment device of claim 11, wherein the payment unit is configured to:
deleting the first biometric and/or the second biometric from the payment device.
16. The payment apparatus of claim 11, wherein the payment unit comprises a matching expression unit configured to:
determining a first similarity between a first element of the first biometric and a corresponding first element of the second biometric;
determining a second similarity between a second element of the first biometric and a corresponding second element of the second biometric.
17. Payment apparatus according to claim 11, wherein the payment unit comprises a statistics unit configured to:
at least one statistical value between the pixel grayscales of the different pixel sets is calculated.
18. Payment apparatus according to any one of claims 11 to 17, wherein the broadcast unit is configured to transmit ultra-wideband signals.
19. Payment apparatus according to any one of claims 11 to 17, wherein the feature acquisition unit is configured to acquire at least one of the following features of a user:
human face features; iris features; and, an ocular feature.
20. A gate comprising a payment device as claimed in any one of claims 11 to 19.
21. A machine storage medium having stored thereon a collection of computer-executable instructions, wherein the computer-executable instructions, when executed by a processor, implement the method of any one of claims 1 to 10.
22. A computer control apparatus configured, when carrying out a batch of computer executable instructions, to perform the steps of the method of any one of claims 1 to 10.
23. A biometric matching based payment method, comprising:
a) receiving a communication signal from a biological characteristic acquisition device;
b) establishing communication connection with the biological characteristic acquisition device;
c) acquiring a first biological characteristic of a user from the biological characteristic acquisition device; and
d) and executing local-end payment operation related to the transaction information based on the fact that the first biological characteristics and the second biological characteristics stored in the local end are determined to be in accordance with the matching expression.
24. The method of claim 23, further comprising:
instructing the biometric acquisition device to delete the first and/or second biometric.
25. The method of claim 23, wherein the matching expression comprises:
a similarity between a first element of the first biometric characteristic and a corresponding first element of the second biometric characteristic is greater than a first threshold;
a similarity between a second element of the first biometric and a corresponding second element of the second biometric is greater than a second threshold and less than a third threshold.
26. The method of claim 23, wherein the communication signal comprises an ultra-wideband signal.
27. The method of any of claims 23-26, wherein the first biometric feature and the second biometric feature comprise facial features.
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