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NL2019978B1 - Payment System with Multi-Biometric Composite Authentication and Crossvalidation - Google Patents

Payment System with Multi-Biometric Composite Authentication and Crossvalidation Download PDF

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Publication number
NL2019978B1
NL2019978B1 NL2019978A NL2019978A NL2019978B1 NL 2019978 B1 NL2019978 B1 NL 2019978B1 NL 2019978 A NL2019978 A NL 2019978A NL 2019978 A NL2019978 A NL 2019978A NL 2019978 B1 NL2019978 B1 NL 2019978B1
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Netherlands
Prior art keywords
fingerprint
finger vein
information
customer
finger
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NL2019978A
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Dutch (nl)
Inventor
Wang Yinguo
Luo Bojun
Wang Lu
Chang Yi
Li Yonghu
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Wang Yinguo
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Priority to NL2019978A priority Critical patent/NL2019978B1/en
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Publication of NL2019978B1 publication Critical patent/NL2019978B1/en

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    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • G06Q20/40145—Biometric identity checks
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/409—Device specific authentication in transaction processing
    • G06Q20/4097—Device specific authentication in transaction processing using mutual authentication between devices and transaction partners

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  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Finance (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Security & Cryptography (AREA)
  • Measurement Of The Respiration, Hearing Ability, Form, And Blood Characteristics Of Living Organisms (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The invention discloses a payment system with multi-biometric composite authentication and cross-validation. Firstly, biometric authentication is employed to solve the inconvenience that consumers have to carry a bank card and enter a password for payment. Secondly, through composite authentication and cross-validation technologies allow consumers to accurately identify the legality ofPOS (point of sales) transaction equipment, creating safer and more convenient financial service for consumers and continuously improving customer experience. Thirdly, dustproof measures are adopted to well protect the sensors of payment device so as to prolong the service life and reduce the failure rate of equipment.

Description

Technical field
The invention relates to a payment authentication system, in particular to a payment system with multi-biometric composite authentication and cross-validation.
Background art
In recent years, with the high-speed increasing of China economy and continuous improvement of people’s living level, financial consumption payment means are more and more diverse, but generally, payment by using POS devices is still the mainstream payment means currently.
When customers use POS devices, the customers mainly use bank cards and passwords for payment. As bank cards need to be carried and might be forgotten or lost, and the payment passwords are usually composed of a string of simple digits that are low in safety coefficient, thus any unnecessary loss will be caused to bank customers once the payment passwords are divulged. For another, despite the current POS devices have adopted biological feature technologies like finger recognition, and authentication assisting means are added, the risk that fingerprint information may be stolen due to the fact that the customers cannot recognize fake POS or fraud POS exists, hence the safety still needs to be improved. In addition, the sensors of existing POS devices with a fingerprint recognition function are exposed outside and may be exposed to scratching or dust pollution, so that it will affect the bank cards service life and cause an increase of failure rate to a certain degree.
Therefore, banks need a payment device and system with multi-bio metric composite authentication and cross-validation. Firstly, biometric authentication is employed to solve the inconvenience that consumers have to carry a bank card and enter a password for payment. Secondly, through composite authentication and cross-validation technologies allow consumers to accurately identify the legality of POS (point of sales) transaction equipment, creating safer and more convenient financial service for consumers and continuously improving customer experience. Thirdly, dustproof measures are adopted to well protect the sensors of payment device so as to prolong the service life and reduce the failure rate of equipment.
Invention content
The invention discloses a payment system with multi-biometric composite authentication and cross-validation. Firstly, biometric authentication is employed to solve the inconvenience that consumers have to carry a bank card and enter a password for payment. Secondly, through composite authentication and cross-validation technologies allow consumers to accurately identify the legality of POS (point of sales) transaction equipment, creating safer and more convenient financial service for consumers and continuously improving customer experience. Thirdly, dustproof measures are adopted to well protect the sensors of payment device so as to prolong the service life and reduce the failure rate of equipment.
In order to solve the technical problems mentioning above, the invention adopts the following technical scheme:
The invention discloses a payment system with multi-biometric composite authentication and cross-validation. The payment system includes a payment device, which comprises a main control unit, a display unit, a keypad unit, a communication unit, a fingerprint recognition unit, a finger vein recognition unit, and a dustproof unit; the display unit, the keypad unit, the communication unit, the fingerprint recognition unit, the finger vein recognition unit and the dustproof unit are electrically connected with the main control unit.
The main control unit can process operation requests of the merchant and the customer, handle in real time according to the related business process. It communicates with, controls the wrork of, receives, processes, encrypts and decrypts of related information of the display unit, the keypad unit, the communication unit, the fingerprint recognition unit, the finger vein recognition unit, and the dustproof unit.
The display unit comprises an LCD screen and can be controlled by the main control unit to display numbers and Chinese character information.
The keypad unit comprises a digital functional keypad composed of a plurality of keys and can accept input of digits (1-9, 0, 00, decimal point) and functional keys (confirmation, cancellation and return) information and transmit the information to the main control unit.
The communication device is composed of an external antenna and a 2G/3G/4G module, and the main control unit communicates with the transaction server of the bank through the 2G/3G/4G module.
The finger recognition unit adopts a fingerprint recognition module with capacitive semiconductor sensor technology and is composed of a recognition chip, a semiconductor component and a fingerprint recognition LED indicator lamp.
The semiconductor component is mainly composed of a capacitive semiconductor sensor; a finger is fitted on a flat plate where thousands of semiconductor devices are integrated to form the other face of a capacitor, the finger plane is uneven, actual distances when convex points and concave points of the finger contact with the flat plate are different, and numerical values of formed capacitance are also different, so that according to this principle, collection of fingerprint images is completed by gathering different collected numerical values.
The recognition chip is responsible for fingerprint recognition, to be specific, subjecting the collected fingerprint images to following preprocessing including image quality judgment, image enhancement, fingerprint area detection, fingerprint direction diagram and frequency estimation, image binarization (setting gray value of each pixel point in the fingerprint images to be 0 or 255) and image refining. Regression line data of fingerprints are acquired from the preprocessed image above, feature point information needed for fingerprint recognition is extracted from the above regression line data of the fingerprints, transmitted to the main control unit and then matched with fingerprint feature information stored in a database of the transaction server system one by one to judge whether the fingerprints are same or not.
The fingerprint recognition LED indicator lamp is a monochromatic LED which is controlled to be on and off by the recognition chip. Specifically, the fingerprint recognition LED indicator lamp is turned on to remind the customer of finger vein collection, continuously flickers in the process of collection and turned off after collection is finished and maintained in a normally-off state.
The finger vein recognition unit is a finger vein recognition module utilizing a CCD camera to acquire finger vein images through near-infrared irradiation and is composed of a recognition chip, a finger groove component, an infrared module, an imaging module and a finger vein recognition LED indicator lamp.
The finger groove component is used for guiding the customer to correctly put in the finger to be collected, infrared modules are arranged on two sides of the finger groove component, and the imaging module is arranged at the bottom of the finger groove component. After the customer puts the finger in the finger groove component, the infrared modules emit near infrared to penetrate the finger, and collection of finger vein images is completed by photographing through the CCD camera of the imaging module to obtain vein images.
The recognition chip is responsible for finger vein recognition, to be specific, applying advanced filtering, image binarization and refining means to extract features from digital images of the collected finger vein images to extract feature value information needed for finger vein recognition. The above feature value information is transmitted to the main control unit and then matched with finger vein feature information stored in the database of the transaction server system one by one, and identity of the customer is authenticated and confirmed.
The finger vein recognition LED indicator lamp is a monochromatic LED and controlled to be on and off by the recognition chip. Specifically, the finger vein recognition LED indicator lamp is turned on to remind the customer of finger vein collection, continuously flickers in the process of collection and is turned off after collection is finished and maintained in a normally-off state.
The dustproof unit is composed of a dustproof cover plate, a rocker arm, a driving motor and a gear set (a main driving gear and a driven gear), wherein the driving motor is connected with the main control unit, the main control unit controls the driving motor to start working to drive the rocker arm and the dustproof cover plate connected to the rocker arm to rotate through the main driving gear and the driven gear. The main control unit opens and closes the dustproof cover plate by controlling forward or backward rotation of the driving motor. The exposed sensor and the camera of the fingerprint recognition unit and the finger vein recognition unit can be protected from being exposed to dust pollution and scratching of outside environment.
Only before starting to collect the fingerprints of the customer, the main control unit controls the driving motor to start working and opens the dustproof cover plate. The dustproof cover plate is maintained open in the whole process of fingerprint recognition and finger vein recognition. After the transaction is closed, the main control unit controls the driving motor to start working, closes the dustproof cover plate and maintains the closed state till collecting the fingerprints of the customer next time, in other words, the dustproof cover plate is maintained closed when being in a non-working state.
Preferably, in order to further expand equipment using scenes, adding a twodimensional code scanning module can be taken into consideration, and twodimensional codes can be used for payment operation.
The appearance structure of the payment device of the payment system is composed of a shell, the LCD screen, the keys, the external antenna, the fingerprint recognition semiconductor component and LED indicator lamp thereof, a finger vein recognition finger groove component and finger vein recognition indicator lamp thereof, a dustproof cover plate, a first rocker arm, a second rocker arm and a dustproof sealing strip.
The first rocker arm and the second rocker arm are arranged at two ends of the dustproof cover plate, and the first rocker arm is close to the keys while the rocker arm is close to the shell.
When in a non-working state, the dustproof cover plate is maintained closed, and the periphery of the dustproof cover plate closely contacts with the dustproof sealing strip to avoid dust entering.
Before starting to collect the fingerprints of the customer, the dustproof cover plate will open for the convenience of the customer to put fingers on the recognition unit.
The recognition unit is placed in a groove, and for easiness in the collection, at a height where the fingers are put, the fingerprint recognition semiconductor component is arranged on a small platform at a proper height to be on a same horizontal position with the finger vein recognition finger groove component.
The external antenna can be rotated and stored in the back of the shell.
The dustproof cover plate can be arranged to be semi-transparent frosted organic glass for the benefit of checking the inside of the recognition unit.
The dustproof unit is mainly composed of a dustproof cover plate, a first rocker arm, a second rocker arm, a driving motor, a gear set (main driving gear and driven gear) and a fixed shaft; the driving motor and the gear set (main driving gear and driven gear) are arranged on one side, close to the keypad, inside the shell. The main driving shaft is arranged on the driving motor and connected with the driven gear, which is connected writh the first rocker arm and arranged on the rotating shaft. The second rocker arm is arranged on one side, close to the outer wall, inside the shell and arranged on the rotating shaft and can rotate freely around the rotating shaft. The first rocker arm and the second rocker arm are arranged at two ends of the dustproof cover plate.
After the work started, the driving motor drives the main driving gear and the driven gear to be in linkage rotating, and the first rocker arm rotates around the rotating shaft clockwise or anticlockwise and drives the dustproof cover plate and the second rocker arm to rotate to realize opening and closing of the dustproof cover plate. The number of teeth of the main driving gear and the driven gear can be set to be different and appropriate, to lower rotating of the first rocker arm to a suitable speed so as to realize slow opening and closing of the dustproof cover plate.
The payment device communicates with and transmits information to the transaction server through the communication unit, and the payment device has already registered in the transaction server to be legal.
The whole transaction authentication process is controlled through composite authentication realized through fingerprint and finger vein technology and crossvalidation realized through reserved information means.
After the payment device 1 initiates a payment transaction, starting authentication 101. Step 1, performing the fingerprint authentication process 102: the fingerprint collection process 611 of the payment device 1 includes that the fingerprint recognition unit 6 collects fingerprints of the customer, extracts feature information, encrypts and transmits the feature information to the transaction server 9;
After the transaction server 9 decrypts the feature information, the feature information is matched with fingerprint feature information stored in the fingerprint repository 91 to judge whether the fingerprints are the same or not. After the fingerprints are matched, the fingerprint authentication process is completed.
Step 2, performing the cross-validation process 103: the reserved information of the corresponding customer is extracted from the reserved information repository 93 according to the customer ID corresponding to the matched fingerprints, encrypted and then transmitted back to the payment device 1;
The payment device 1 decrypts and controls the display unit 3 to display the reserved information;
The display unit 3 will prompt to press down the confirmation key to complete the cross-validation process only after the customer confirmed the reserved information is correct.
Step 3, performing the finger vein authentication process 104; the finger vein collection process 711 of the payment device 1 includes that the finger vein recognition device 7 collects finger veins of the customer, extracts feature information, encrypts and transmits the feature information to the transaction server 9;
After the transaction server 9 decrypts the feature information, the feature information is matched with finger vein feature information stored in the finger vein repository 91 to judge whether the finger veins are same or not.
After the finger veins are matched, whether the customer ID corresponding to the matched finger veins is consistent with the customer ID corresponding to the matched fingerprints or not to complete the finger vein authentication process.
Step 4, finishing authentication 104;
After successful authentication, the transaction server 9 extracts bank card information of the corresponding customer from the card information repository 94 according to the corresponding customer ID, deducts the money and transmits the transaction result back to the payment device 1.
The payment device controls the display device 3 to display the transaction result information.
The payment business flowchart of the payment system is specifically described as follows:
Explanation is made as follows by taking the business process for transaction payment by a customer through the payment device:
Step 201: The payment device accepts a business request;
Step 202: The merchant inputs transaction information, including the amount, and then presses a confirmation key for confirmation;
Step 203: The payment device starts fingerprint authentication. The dustproof cover is opened, the fingerprint recognition LED indicator lamp is turned on, and the display screen prompts the customer for fingerprint collection;
Step 204: The payment device collects fingerprints of customer, extracts feature codes, encrypts and transmits the feature codes to the transaction server;
Step 205: The transaction server matches fingerprint information in a fingerprint repository;
Step 206: Judge whether fingerprint matching is successful or not; if yes, go to Step 207, and if not, go to Step 216;
Step 207: The reserved information of the corresponding customer is extracted from a reserved information repository according to the customer ID corresponding to the successfully authenticated and matched fingerprints, encrypted and then transmitted back to the payment device;
Step 208: The payment device decrypts and displays the reserved information, and will proceed to customer authentication;
Step 209: Judge whether the reserved information is correct or not; if yes, go to Step 210, and if not, go to Step 217;
Step 210: After the reserved information is judged to be correct by the customer, the customer selects to continue authentication, and the payment device starts finger vein authentication; the finger vein recognition LED indicator lamp is turned on, and the display screen prompts the customer for finger vein collection;
Step 211: The payment device collects finger vein information of the customer, extracts feature codes, encrypts and transmits the feature codes to the transaction server;
Step 212: The transaction server matches finger vein information in a finger vein repository and judges whether the customer ID corresponding to the matched finger vein is consistent with the customer ID corresponding to the matched fingerprints or not after the finger vein is matched successfully;
Step 213: Judge whether finger vein matching is successful or not; if yes, go to Step 214, and if not, go to Step 218;
Step 214: The transaction server extracts bank card information of the corresponding customer from a card information repository according to the corresponding customer ID, deducts money and transmits the transaction result back to the payment device;
Step 215: The payment device displays transaction result information and complete the transaction;
Step 216: The transaction server transmits prompting information of unsuccessful fingerprint matching back to the payment device, aborts the transaction and then goes to Step 201;
Step 217: After the customer judges that the reserved information is incorrect, the customer can press the cancel key to cancel the transaction, and then go to Step 201;
Step 218: The transaction server transmits prompting information of unsuccessful finger vein matching back to the payment device, aborts the transaction and then goes to Step 201.
According to the payment system, primary authentication is realized through fingerprint authentication, secondary cross-validation is realized by using the reserved information of the customer after passing the primary authentication, cross-validation is confirmed by the customer, and after confirmation, the customer realizes final authentication through finger vein authentication to complete the whole transaction authentication process.
During primary authentication, due to low authentication requirements and the characteristics of authentication modes of the equipment, the customer can use uncommon fingerprints (such as a middle finger or ring finger) for authentication to prevent the risk that fingerprints of common fingers are stolen.
The customer can restore to use finger veins of the common fingers for final transaction authentication after passing the cross-validation.
At the moment, the customer may only lose fingerprints of an uncommon finger, and when this circumstance appears, the customer can select response measures like alarming.
The reserved information of the customer needs to be transmitted back in the process of secondary authentication, if fraud equipment is used, the fraud equipment cannot know the content of information which is transmitted back in advance and can only display random information which is completely different from the reserved information of the customer, and the customer can recognize it easily, in this way, the illegality of the equipment can be judged, and subsequently stop the final authentication.
A conventional identity authentication method includes identity articles (like keys, papers, and ATM cards) and identity knowledge (such as usernames and passwords), but this method mainly depends on external objects, once the identity objects and information that proving identity are stolen or forgotten, identity of the customer is prone to other people to pretend or replace easily.
Biological recognition technology is safer, more confidential and more convenient than conventional identity authentication methods. The biological feature recognition technology has the advantages of being less prone to being forgotten, high in antifalsification performance, difficult to forge or steal, portable and usable at any time and anywhere. The biological recognition technology mainly refers to a technology for identity authentication through human biological features, and the human biological features usually have the advantages of being unique, measurable or automatically recognizable or authenticable, heritable or unchangeable in one’s whole life, so that the biological recognition authentication technology is more advantageous than conventional authentication technologies. The biological recognition technology refers to closely combining the computer with high-tech means like optics, acoustics, biosensors and biological statistics principles and utilizing inherent human physiological characteristics (like fingerprints, face shapes and iris and behavior features (like handwriting, voice and gait) for authentication of personal identity.
The biological recognition system samples biological features, extracts unique features, converts the unique features into digital codes and further compose these codes into a feature template. As the cost of microprocessors and various electronic devices have been constantly decreasing and gradually increased in accuracy, the biological recognition system has been gradually applied in the field of commercial authorization control such as access control, enterprise attendance management systems and consumption safety authentication. Biological features used for biological recognition include hand shapes, fingerprints, face shapes, iris, retina, pulse, auricle and veins, and behavior features include signature, voice and button pressing strength. Based on these features, people have already developed various biological recognition technologies such as hand shape recognition, fingerprint recognition, facial recognition, voice recognition, iris recognition, signature recognition and vein recognition.
Human body features are inherent, non-duplicable and unique for human bodies, and this biological secret key cannot be copied, stolen or forgotten, so that it is safe, reliable and accurate to utilize biological recognition technology for identity authentication. Unlike human body features, the common words of command, IC cards, barcodes, magnetic cards or keys have many unfavorable factors such as being lost, forgotten, copied or stolen, therefore by adopting the biological key, people need neither to carry a bunch of keys nor to try to memorize or change passwords. System managers will not be at a loss what to do because of forgetting passwords. Biological recognition technology products are all realized with the help of modem computer technology, thereby being quite easy to be integrated with computers and safe, monitoring and management systems for automated management.
Specifically, for fingerprint recognition, there are various methods to achieve. Wherein some methods imitate the conventional methods used by the public security department by comparing local details of fingerprints; some methods realize recognition directly through all features; some methods are more unique, such as wave edge mode and an ultrasonic wave of fingerprints. Some equipment can measure fingerprints in real time while others cannot. In all biological recognition technologies, fingerprint recognition is most widely used currently.
In addition, for biological recognition technology, vein recognition is a recognition technology by using near-infrared to read the vein mode and comparing the vein mode with stored vein mode for oneself recognition. The working principle includes that according to the characteristic that blood flowing in human fingers can absorb light with specific wavelength, clear images of finger veins can be acquired by using the light with the specific wavelength to irradiate the fingers. By utilizing this inherent scientific feature, acquired images can be analyzed and processed to acquire biological features of the finger veins, and then acquired finger vein feature information is compared with finger vein features registered in advance to confirm identity of a login person.
The vein recognition system works by acquiring a personal vein distribution diagram through a vein recognizer, extract feature values from the vein distribution diagram according to a special comparison algorithm, acquiring images of finger, palm and back of hand veins through an infrared CCD camera, storing digital images of the veins into a computer system and storing the feature values. During vein comparison, the vein diagrams are collected in real time, the feature values are extracted, advanced filtering, image binarizing and refining means are applied to extract features from the digital images, the features are compared with vein feature values stored in the host, and a complex matching algorithm is adopted to match the vein features so as to authenticate personal identity to confirm identity. Finger vein recognition technology belongs to in-vivo recognition technology, vein image features cannot be acquired from in-vitro fingers, and copying or forging cannot be realized by recognizing information inside the fingers, so that the finger vein recognition technology is high in safety and anti-falsification performance.
The invention has the following advantages: The invention discloses a payment system with multi-biometric composite authentication and cross-validation. Firstly, biometric authentication is employed to solve the inconvenience that consumers have to cany a bank card and enter a password for payment. Secondly, through composite authentication and cross-validation technologies allow consumers to accurately identify the legality of POS (point of sales) transaction equipment, creating safer and more convenient financial service for consumers and continuously improving customer experience. Thirdly, dustproof measures are adopted to well protect the sensors of payment device so as to prolong the service life and reduce the failure rate of equipment.
Furthermore, the payment system also has the following advantages of:
(1) High functionality: through reserved information cross-validation mode, the customer is enabled to recognize the legality of the transaction equipment. Through fingerprint and finger vein multi-biometric composite authentication technology, achieve a more convenient, quicker, and safer medium-free and password-free payment.
(2) High practicability: by adopting the dustproof measures, the sensor of the payment device is protected well, the service life of the equipment is prolonged, and the failure rate is lowered.
Description of Drawings
Figure 1 is a connecting relation diagram of units of the payment system.
Figure 2 is a connecting relation diagram of the units and the insides of the units of the payment system.
Figure 3 is an appearance structural diagram when the dustproof cover of the payment device of the payment system is closed.
Figure 4 is an appearance structure diagram when the dustproof cover of the payment device of the payment system is open.
Figure 5 (A) is a structural diagram of the dustproof unit of the payment device of the payment system.
Figure 5 (B) is a structure diagram after the driving motor of the dustproof unit of the payment device of the payment system is started.
Figure 6 is the payment transaction authentication process flowchart of the payment system.
Figure 7 is a connecting relation diagram of the payment device of the payment system and a transaction server system.
Figure 8 is the payment business flowchart of the payment system.

Claims (6)

Embodiments It’s important to note that the following embodiments are not used for limiting the protection range of the invention, the technical personnel in the field can conduct equal or equivalent modification, replacement or alternation within the purpose and the range of the invention, and the protection range of the invention is limited by the Claims. A payment system with multi-biometric composite authentication and cross-validation comprises a payment device 1, a payment device body 1 comprises a main control unit 2, a display unit 3, a keypad unit 4, a communication unit 5, a fingerprint recognition unit 6, a finger vein recognition unit 7 and a dustproof unit 8; the display unit 3, the keypad unit 4, the communication unit 5, the fingerprint recognition unit 6, the finger vein recognition unit 7 and the dustproof unit 8 are electrically connected with the main control unit 2. The main control unit 2 can process operation requests of the merchant and the customer, handle in real time according to the related business process. It communicates with, control the work of, receives, processes, encrypts and deciypts of related information of the display unit 3, the keypad unit 4, the communication unit 5 , the fingerprint recognition unit 6, the finger vein recognition unit 7 and the dustproof unit 8. The display unit 3 comprises an LCD screen 31 and can be controlled by the main control unit 2 to display numbers and Chinese character information. The keypad unit 4 comprises a digital functional keypad composed of a plurality of keys 41 and can accept input of digits (1-9, 0, 00, decimal point) and functional keys (confirmation, cancellation and return) information and transmit the information to the main control unit 2. The communication device 5 is composed of an external antenna 51 and a 2G/3G/4G module 52, and the main control unit 2 communicates with the bank transaction server through the 2G/3G/4G module 52. The fingerprint recognition unit 6 is a finger recognition module adopting capacitive semiconductor sensor technology and is composed of a recognition chip 61, a semiconductor component 62 and a fingerprint recognition LED indicator lamp 63. The semiconductor component 62 is mainly composed of a capacitive semiconductor sensor, a finger is fitted on a flat plate where thousands of semiconductor devices are integrated to form the other face of a capacitor, the finger plane is uneven, actual distances when convex points and concave points of the finger contact with the flat plate are different, and numerical values of formed capacitance are also different, so that according to this principle, collection of fingerprint images is completed by gathering different collected numerical values. The recognition chip 61 is responsible for fingerprint recognition, to be specific, subjecting the collected fingerprint images to following preprocessing including image quality judgment, image enhancement, fingerprint area detection, fingerprint direction diagram and frequency estimation, image binarization (setting gray value of each pixel point in the fingerprint images to be 0 or 255) and image refining. Regression line data of fingerprints are acquired from the preprocessed image above, feature point information needed for fingerprint recognition is extracted from the above regression line data of the fingerprints, transmitted to the main control unit and then matched with fingerprint feature information stored in a database of the transaction server system one by one to judge whether the fingerprints are same or not. The fingerprint recognition LED indicator lamp 63 is a monochromatic LED and is controlled to be on and off by the recognition chip 61. Specifically, the fingerprint recognition LED indicator lamp is turned on to remind the customer of finger vein collection, continuously flickers in the process of collection and is turned off after collection is finished and maintained in a normally-off state. The finger vein recognition unit 7 is a finger vein recognition module utilizing a CCD camera to acquire finger vein images through near-infrared irradiation and is composed of a recognition chip 71, a finger groove component 72, infrared modules 73, an imaging module 74 and a finger vein recognition LED indicator lamp 75. The finger groove component 72 is used for guiding the customer to correctly put in the finger to be collected. The infrared modules 73 are arranged on two sides, and the imaging module 74 is arranged at the bottom. After the customer puts the finger in the finger groove component 72, the infrared module 73 emits near-infrared to penetrate the finger, and collection of finger vein images is completed by photographing through the CCD camera of the imaging module 74 to obtain vein images. The recognition chip 71 is responsible for finger vein recognition, to be specific, applying advanced filtering, image binarization and refining means to extract features from digital images of the collected finger vein images to extract feature value information needed for finger vein recognition. The above feature value information is transmitted to the main control unit 2 and then matched with finger vein feature information stored in the database of the transaction server system one by one, and identity of the customer is authenticated and confirmed. The finger vein recognition LED indicator lamp 75 is a monochromatic LED and is controlled to be on and off by the recognition chip 71. Specifically, the finger vein recognition LED indicator lamp is turned on to remind the customer of finger vein collection, continuously flickers in the process of collection and is turned off after collection is finished and maintained in a normally-off state. The dustproof unit 8 is composed of a dustproof cover plate 81, a rocker arm 82, a driving motor 83 and a gear set (a main driving gear 84 and a driven gear 85), wherein the driving motor 83 is connected to the main control unit 2, the main control unit 2 controls the driving motor 83 to start working to drive the rocker arm 82 and the dustproof cover plate 81 connected with the rocker arm to rotate through the main driving gear 84 and the driven gear 85. The main control unit 2 opens and closes the dustproof cover plate 81 by controlling forward or backward rotation of the driving motor 83. The exposed sensor and the camera of the fingerprint recognition unit 6 and the finger vein recognition unit 7 can be protected from being exposed to dust pollution and scratching of outside environment. The main control unit 2 will only control the driving motor 83 to start working and opens the dustproof cover plate 81 before starting to collect the fingerprints of the customer. The dustproof cover plate 81 is maintained open in the whole process of fingerprint recognition and finger vein recognition. After the transaction is closed, the main control unit 2 controls the driving motor 83 to start working, closes the dustproof cover plate 81 and maintains the closed state till collecting the fingerprints of the customer next time, in other words, the dustproof cover plate 81 is maintained closed when being in a non-working state. The appearance structure of the payment device of the payment system is composed of a shell 11, the LCD screen 31, the keys 41, the external antenna 51, the fingerprint recognition semiconductor component 62 and LED indicator lamp 63 thereof, a finger vein recognition finger groove component 72 and finger vein recognition indicator lamp 75 thereof, a dustproof cover plate 81, a rocker arm 821, a rocker arm 822 and a dustproof sealing strip 86. The rocker arm 821 and the rocker arm 822 are arranged at both ends of the dustproof cover plate 81, and the rocker arm 821 is close to the keys 41 while the rocker arm 822 is close to the shell 11. When in a non-working state, the dustproof cover plate 81 is maintained closed, and the periphery of the dustproof cover plate closely contacts with the dustproof sealing strip 12 to avoid dust entering. Before starting to collect the fingerprints of the customer, the dustproof cover plate 81 will open for the convenience of the customer to put fingers on the recognition unit. The recognition unit is placed in a groove, and for easiness in the collection, at a height wrhere the fingers are put, the fingerprint recognition semiconductor component 62 is arranged on a small platform at a proper height to be on a same horizontal position with the finger vein recognition finger groove component 72. The external antenna 51 can be rotated and stored in the back of the shell 11. The dustproof cover plate 81 can be arranged to be semi-transparent frosted organic glass for the benefit of checking the inside of the recognition unit. The dustproof unit 8 is mainly composed of a dustproof cover plate 81, a rocker arm 821, a rocker arm 822, a driving motor 83, a gear set (main driving gear 84 and driven gear 85) and a fixed shaft 86; the driving motor 83 and the gear set (main driving gear 84 and driven gear 85) are arranged on one side, close to the keypad, inside the shell 11. The main driving shaft 84 is arranged on the driving motor 83 and connected with the driven gear 85 which is connected with the rocker arm 821 and arranged on the rotating shaft 851. The rocker arm 822 is arranged on one side, close to the outer wall, inside the shell 11 and arranged on the rotating shaft 86 and can rotate freely around the rotating shaft 86. The rocker arm 821 and the rocker arm 822 are arranged at two ends of the dustproof cover plate 81. After the work started, the driving motor 83 drives the main driving gear 84 and the driven gear 85 to be in linkage rotating, and the rocker arm 821 rotates around the rotating shaft 851 clockwise or anticlockwise and drives the dustproof cover plate 81 and the rocker arm 822 to rotate to realize opening and closing of the dustproof cover plate 81. The number of teeth of the main driving gear 84 and the driven gear 85 can be set to be different and appropriate, to lower rotating of the rocker arm 821 to a suitable speed so as to realize slow opening and closing of the dustproof cover plate 81. The payment business flowchart of the payment system is specifically described as follows: Explanation is made as follows by taking the business process for transaction payment by a customer through the payment device: Step 201: The payment device accepts a business request; Step 202: The merchant inputs transaction information, including the amount, and then presses a confirmation key for confirmation; Step 203: The payment device starts fingerprint authentication. The dustproof cover is opened, the fingerprint recognition LED indicator lamp is turned on, and the display screen prompts the customer for fingerprint collection; Step 204: The payment device collects fingerprints of customer, extracts feature codes, encrypts and transmits the feature codes to the transaction server; Step 205: The transaction server matches fingerprint information in a fingerprint repository; Step 206: Judge whether fingerprint matching is successful or not; if yes, go to Step 207, and if not, go to Step 216; Step 207: The reserved information of the corresponding customer is extracted from a reserved information repository according to the customer ID corresponding to the successfully authenticated and matched fingerprints, encrypted and then transmitted back to the payment device; Step 208: The payment device decrypts and displays the reserved information, and will proceed to customer authentication; Step 209; Judge whether the reserved information is correct or not; if yes, go to Step 210, and if not, go to Step 217; Step 210: After the reserved information is judged to be correct by the customer, the customer selects to continue authentication, and the payment device starts finger vein authentication; the finger vein recognition LED indicator lamp is turned on, and the display screen prompts the customer for finger vein collection; Step 211: The payment device collects finger vein information of the customer, extracts feature codes, encrypts and transmits the feature codes to the transaction server; Step 212; The transaction server matches finger vein information in a finger vein repository and judges whether the customer ID corresponding to the matched finger vein is consistent with the customer ID corresponding to the matched fingerprints or not after the finger vein is matched successfully; Step 213: Judge whether finger vein matching is successful or not; if yes, go to Step 214, and if not, go to Step 218; Step 214: The transaction server extracts bank card informat ion of the corresponding customer from a card information repository according to the corresponding customer ID, deducts money and transmits the transaction result back to the payment device; Step 215: The payment device displays transaction result information and complete the transaction; Step 216: The transaction server transmits prompting information of unsuccessful fingerprint matching back to the payment device, aborts the transaction, and then goes to Step 201; Step 217: After the customer judges that the reserved information is incorrect, the customer can press the cancel key to cancel the transaction, and then go to Step 201; Step 218: The transaction server transmits prompting information of unsuccessful finger vein matching back to the payment device, aborts the transaction, and then goes to Step 201. According to the payment system, the payment device 1 communicates with and transmits information to the transaction server 8 through the communication unit 5, which the payment device 1 has already registered in the transaction server 8 to be legal. The whole transaction authentication process is controlled through composite authentication realized through fingerprint and finger vein technology and crossvalidation realized through reserved information means. After the payment device 1 initiates a payment transaction, starting authentication 101. Step 1, performing the fingerprint authentication process 102: the fingerprint collection process 611 of the payment device 1 includes that the fingerprint recognition unit 6 collects fingerprints of the customer, extracts feature information, encrypts and transmits the feature information to the transaction server 9; After the transaction server 9 decrypts the feature information, the feature information is matched with fingerprint feature information stored in the fingerprint repository 91 to judge whether the fingerprints are the same or not. After the fingerprints are matched, the fingerprint authentication process is completed. Step 2, performing the cross-validation process 103: the reserved information of the corresponding customer is extracted from the reserved information repository 93 according to the customer ID corresponding to the matched fingerprints, encrypted and then transmitted back to the payment device 1; The payment device 1 decrypts and controls the display unit 3 to display the reserved information; The display unit 3 will prompt to press down the confirmation key to complete the cross-validation process only after the customer confirmed the reserved information is correct. Step 3, performing the finger vein authentication process 104: the finger vein collect ion process 711 of the payment device 1 includes that the finger vein recognition device 7 collects finger veins of the customer, extracts feature information, encrypts and transmits the feature information to the transaction server 9; After the transaction server 9 decrypts the feature information, the feature information is matched with finger vein feature information stored in the finger vein repository 91 to judge whether the finger veins are same or not. After the finger veins are matched, whether the customer ID corresponding to the matched finger veins is consistent with the customer ID corresponding to the matched fingerprints or not to complete the finger vein authentication process. Step 4, finishing authentication 104; After successful authentication, the transaction server 9 extracts bank card information of the corresponding customer from the card information repository 94 according to the corresponding customer ID, deducts the money and transmits the transaction resultEmbodiments It's important to note that the following are not used for limiting the protection range of the invention, the technical personnel in the field can conduct equal or equivalent modification, replacement or alternation within the purpose and the range of the invention, and the protection range of the invention is limited by the Claims. A payment system with multi-biometric composite authentication and cross-validation comprises a payment device 1, a payment device body 1 comprises a main control unit 2, a display unit 3, a keypad unit 4, a communication unit 5, a fingerprint recognition unit 6, a finger vein recognition unit 7 and a dustproof unit 8; the display unit 3, the keypad unit 4, the communication unit 5, the fingerprint recognition unit 6, the finger vein recognition unit 7 and the dustproof unit 8 are electrically connected to the main control unit 2. The main control unit 2 can process operation requests from the merchant and the customer, handle in real time according to the related business process. It communicates with, control the work of, receives, processes, encrypts and deciypts or related information of the display unit 3, the keypad unit 4, the communication unit 5, the fingerprint recognition unit 6, the finger vein recognition unit 7 and the dustproof unit 8. The display unit 3 comprises an LCD screen 31 and can be controlled by the main control unit 2 to display numbers and Chinese character information. The keypad unit 4 comprises a digital functional keypad composed of a variety of keys 41 and can accept input or digits (1-9, 0, 00, decimal point) and functional keys (confirmation, cancellation and return) information and transmit the information to the main control unit 2. The communication device 5 is composed of an external antenna 51 and a 2G / 3G / 4G module 52, and the main control unit 2 communicates with the bank transaction server through the 2G / 3G / 4G module 52. The fingerprint recognition unit 6 is a finger recognition module adopting capacitive semiconductor sensor technology and is composed of a recognition chip 61, a semiconductor component 62 and a fingerprint recognition LED indicator lamp 63. The semiconductor component 62 is mainly composed of a capacitive semiconductor sensor, a finger is fitted on a flat plate where thousands of semiconductor devices are integrated to form the other face or capacitor, the finger plane is uneven, actual distances when convex points and concave points of the finger contact with the flat plate are different, and numerical values of formed capacitance are also different, so according to this principle, collection of fingerprint images is completed by gathering different collected numerical values. The recognition chip 61 is responsible for fingerprint recognition, to be specific, subjecting the collected fingerprint images to following preprocessing including image quality judgment, image enhancement, fingerprint area detection, fingerprint direction diagram and frequency estimation, image binarization (setting gray value of each pixel) point in the fingerprint images to be 0 or 255) and image refining. Regression line data or fingerprints are acquired from the preprocessed image above, feature point information needed for fingerprint recognition is extracted from the above regression line data or fingerprints, sent to the main control unit and then matched with fingerprint feature information stored in a database or the transaction server system one by one to judge whether the fingerprints are the same or not. The fingerprint recognition LED indicator lamp 63 is a monochromatic LED and is controlled to be on and off by the recognition chip 61. Specifically, the fingerprint recognition LED indicator lamp is turned on to remind the customer of finger vein collection, continuously flickers in the process or collection and has been turned off after collection has been finished and maintained in a normally-off state. The finger vein recognition unit 7 is a finger vein recognition module utilizing a CCD camera to acquire finger vein images through near-infrared irradiation and is composed of a recognition chip 71, a finger groove component 72, infrared modules 73, an imaging module 74 and a finger vein recognition LED indicator lamp 75. The finger groove component 72 is used for guiding the customer to correctly put in the finger to be collected. The infrared modules 73 are arranged on two sides, and the imaging module 74 is arranged at the bottom. After the customer puts the finger in the finger groove component 72, the infrared module 73 emits near-infrared to penetrate the finger, and collection of finger vein images is completed by photographing through the CCD camera or the imaging module 74 to obtain vein images. The recognition chip 71 is responsible for finger vein recognition, to be specific, applying advanced filtering, image binarization and refining means to extract features from digital images or the collected finger vein images to extract feature value information needed for finger vein recognition. The above feature value information is sent to the main control unit 2 and then matched with finger vein feature information stored in the database of the transaction server system one by one, and identity of the customer is authenticated and confirmed. The finger vein recognition LED indicator lamp 75 is a monochromatic LED and is controlled to be on and off by the recognition chip 71. Specifically, the finger vein recognition LED indicator lamp is turned on to remind the customer of finger vein collection, continuously flickers in the process of collection and is turned off after collection is finished and maintained in a normally-off state. The dustproof unit 8 is composed of a dustproof cover plate 81, a rocker arm 82, a driving motor 83 and a gear set (a main driving gear 84 and a driven gear 85), where the driving motor 83 is connected to the main control unit 2, the main control unit 2 controls the driving motor 83 to start working to drive the rocker arm 82 and the dustproof cover plate 81 connected to the rocker arm to rotate through the main driving gear 84 and the driven gear 85. The main control unit 2 opens and closes the dustproof cover plate 81 by controlling forward or backward rotation of the driving motor 83. The exposed sensor and the camera of the fingerprint recognition unit 6 and the finger vein recognition unit 7 can be protected from being exposed to dust pollution and scratching or outside environment. The main control unit 2 will only control the driving motor 83 to start working and opens the dustproof cover plate 81 before starting to collect the fingerprints of the customer. The dustproof cover plate 81 is maintained open in the whole process of fingerprint recognition and finger vein recognition. After the transaction is closed, the main control unit 2 controls the driving motor 83 to start working, closes the dustproof cover plate 81 and maintains the closed state until collecting the fingerprints of the customer next time, in other words, the dustproof cover plate 81 is maintained closed when being in a non-working state. The appearance structure of the payment device or the payment system is composed of a shell 11, the LCD screen 31, the keys 41, the external antenna 51, the fingerprint recognition semiconductor component 62 and LED indicator lamp 63, a finger vein recognition finger groove component 72 and finger vein recognition indicator lamp 75 nam, a dustproof cover plate 81, a rocker arm 821, a rocker arm 822 and a dustproof sealing strip 86. The rocker arm 821 and the rocker arm 822 are arranged at both ends of the dustproof cover plate 81, and the rocker arm 821 is close to the keys 41 while the rocker arm 822 is close to the shell 11. When in a non-working state, the dustproof cover plate 81 is maintained closed, and the periphery of the dustproof cover plate close contact with the dustproof sealing strip 12 to avoid dust entering. Before starting to collect the fingerprints of the customer, the dustproof cover plate 81 will be open for the convenience of the customer to put fingers on the recognition unit. The recognition unit is placed in a groove, and for easiness in the collection, at a height wrhere the fingers are put, the fingerprint recognition semiconductor component 62 is arranged on a small platform at a proper height to be on the same horizontal position with the finger vein recognition finger groove component 72. The external antenna 51 can be rotated and stored in the back of the shell 11. The dustproof cover plate 81 can be arranged to be semi-transparent frosted organic glass for the benefit of checking the inside of the recognition unit. The dustproof unit 8 is mainly composed of a dustproof cover plate 81, a rocker arm 821, a rocker arm 822, a driving motor 83, a gear set (main driving gear 84 and driven gear 85) and a fixed shaft 86; the driving motor 83 and the gear set (main driving gear 84 and driven gear 85) are arranged on one side, close to the keypad, inside the shell 11. The main driving shaft 84 is arranged on the driving motor 83 and connected with the driven gear 85 which is connected with the rocker arm 821 and arranged on the rotating shaft 851. The rocker arm 822 is arranged on one side, close to the outer wall, inside the shell 11 and arranged on the rotating shaft 86 and can rotate freely around the rotating shaft 86. The rocker arm 821 and the rocker arm 822 are arranged at two ends of the dustproof cover plate 81. After the work started, the driving engine 83 drives the main driving gear 84 and the driven gear 85 to be in linkage rotating, and the rocker arm 821 rotates around the rotating shaft 851 clockwise or anticlockwise and drives the dustproof cover plate 81 and the rocker arm 822 to rotate to realize opening and closing of the dustproof cover plate 81. The number of teeth of the main drivin g gear 84 and the driven gear 85 can be set to be different and appropriate, to lower rotating of the rocker arm 821 to a suitable speed so as to realize slow opening and closing of the dustproof cover plate 81. The payment business flowchart of the payment system is specifically described as follows: Explanation is made as follows by taking the business process for transaction payment by a customer through the payment device: Step 201: The payment device accepts a business request; Step 202: The merchant inputs transaction information, including the amount, and then presses a confirmation key for confirmation; Step 203: The payment device starts fingerprint authentication. The dustproof cover has been opened, the fingerprint recognition LED indicator lamp has been turned on, and the display screen prompts the customer for fingerprint collection; Step 204: The payment device collects fingerprints of customer, extracts feature codes, encrypts and transmits the feature codes to the transaction server; Step 205: The transaction server matches fingerprint information in a fingerprint repository; Step 206: Judge whether fingerprint matching is successful or not; if yes, go to Step 207, and if not, go to Step 216; Step 207: The reserved information or corresponding customer is extracted from a reserved information repository according to the customer ID corresponding to the successfully authenticated and matched fingerprints, encrypted and then sent back to the payment device; Step 208: The payment device decrypts and displays the reserved information, and will proceed to customer authentication; Step 209; Judge whether the reserved information is correct or not; if yes, go to Step 210, and if not, go to Step 217; Step 210: After the reserved information is judged to be correct by the customer, the customer selects to continue authentication, and the payment device starts finger vein authentication; the finger vein recognition LED indicator lamp is turned on, and the display screen prompts the customer for finger vein collection; Step 211: The payment device collects finger information from the customer, extracts feature codes, encrypts and transmits the feature codes to the transaction server; Step 212; The transaction server matches finger vein information in a finger vein repository and judges whether the customer ID corresponding to the matched finger vein is consistent with the customer ID corresponding to the matched fingerprints or not after the finger vein is matched successfully; Step 213: Judge or finger vein matching is successful or not; if yes, go to Step 214, and if not, go to Step 218; Step 214: The transaction server extracts bank card information or the corresponding customer from a card information repository according to the corresponding customer ID, deducts money and transmits the transaction result back to the payment device; Step 215: The payment device displays transaction result information and complete the transaction; Step 216: The transaction server transmits prompting information or unsuccessful fingerprint matching back to the payment device, aborts the transaction, and then goes to Step 201; Step 217: After the customer judges that the reserved information is incorrect, the customer can press the cancel key to cancel the transaction, and then go to Step 201; Step 218: The transaction server transmits prompting information of unsuccessful finger vein matching back to the payment device, aborts the transaction, and then goes to Step 201. According to the payment system, the payment device 1 communicates with and transmits information to the transaction server 8 through the communication unit 5, which the payment device 1 has already been registered in the transaction server 8 to be legal. The whole transaction authentication process is controlled through composite authentication realized through fingerprint and finger vein technology and cross validation realized through reserved information means. After the payment device 1 initiates a payment transaction, starting authentication 101. Step 1, performing the fingerprint authentication process 102: the fingerprint collection process 611 or the payment device 1 includes that the fingerprint recognition unit 6 collects fingerprints of the customer, extracts feature information , encrypts and transmits the feature information to the transaction server 9; After the transaction server 9 decrypts the feature information, the feature information is matched with fingerprint feature information stored in the fingerprint repository 91 to judge whether the fingerprints are the same or not. After the fingerprints are matched, the fingerprint authentication process is completed. Step 2, performing the cross-validation process 103: the reserved information or the corresponding customer is extracted from the reserved information repository 93 according to the customer ID corresponding to the matched fingerprints, encrypted and then sent back to the payment device 1; The payment device 1 decrypts and controls the display unit 3 to display the reserved information; The display unit 3 will prompt to press down the confirmation key to complete the cross-validation process only after the customer confirmed the reserved information is correct. Step 3, performing the finger vein authentication process 104: the finger vein collect ion process 711 of the payment device 1 includes that the finger vein recognition device 7 collects finger veins of the customer, extracts feature information, encrypts and transmits the feature information to the transaction server 9; After the transaction server 9 decrypts the feature information, the feature information is matched with finger vein feature information stored in the finger vein repository 91 to judge whether the finger veins are the same or not. After the finger veins are matched, whether the customer ID corresponds to the matched finger veins is consistent with the customer ID corresponding to the matched fingerprints or not to complete the finger vein authentication process. Step 4, finishing authentication 104; After successful authentication, the transaction server 9 extracts bank card information of the corresponding customer from the card information repository 94 according to the corresponding customer ID, deducts the money and transmits the transaction result 1. Een betaalsamenstel met meerdere biometrische samengestelde authenticate en kruisverificatie dat wordt gekenmerkt doordat het betaaisamenste! een betaalinrichting heeft welke een hoofdstuurinrichting, een weergave-inrichting, een toetsenbordinrichting, een communicatie-inrichting, een vingerafdruk Identificatie inrichting, een vingerader identificatie inrichting en een stofdichte inrichting omvat; waarbij de weergave-inrichting, de toetsenbordinrichting, de communicatie Inrichting, de vingerafdruk identificatie Inrichting, de vingerader Identificatie inrichting en de stofdichte inrichting elektronisch verbonden zijn met. de hoofdstuurinrichting; de hoofdstuurinrichting communiceert' met, stuurt de werking aan van, ontvangt, verwerkt, versleutelt en ontcijfert gerelateerde gegevens van de weergave-inrichting, de toetsenbordinrichting, de communicatie-inrichting, de vingerafdruk identificatie inrichting, de vingerader identificatie inrichting en de stofdichte inrichting; de weergave-inrichting omvat een LCD-scherm; de toetsenbordinrichting omvat een numerieke en functietoetsen toetsenbord met toetsen en kan numerieke en functie informatie ontvangen en de informatie naar de hoofdstuurinrichting verzenden; de communicatie-inrichting is voorzien van een externe antenne ers een 2.G /36/ 4G-module, de hoofdstuurinrichting communiceert met de transactie server van een bank middels de 2G / 36 / 4G-modu!e; de vingerafdruk identificatie inrichting is voorzien van een vingerafdruk identificatie module met capacitieve halfgeieldersensortechnologle en is voorzien van een Identificatiechip, een halfgeleidercomponent en een vingerafdruk identificatie LED (licht emitterende diode) indicator lamp,1. A payment assembly with multiple biometric composite authentication and cross-verification that is characterized by the payment combination! has a payment device comprising a main control device, a display device, a keyboard device, a communication device, a fingerprint identification device, a finger vein identification device and a dustproof device; wherein the display device, the keyboard device, the communication device, the fingerprint identification device, the finger vein identification device and the dustproof device are electronically connected to. the main steering gear; the main control device communicates with, controls the operation of, receives, processes, encrypts and decodes related data from the display device, the keyboard device, the communication device, the fingerprint identification device, the finger vein identification device and the dustproof device; the display device comprises an LCD screen; the keyboard device comprises a numeric and function keys keyboard with keys and can receive numeric and function information and send the information to the main controller; the communication device is provided with an external antenna and a 2.G / 36 / 4G module, the main control device communicates with the transaction server of a bank through the 2G / 36 / 4G module; the fingerprint identification device is provided with a fingerprint identification module with capacitive semiconductor sensor technology and is provided with an identification chip, a semiconductor component and a fingerprint identification LED (light-emitting diode) indicator lamp, 2, Het betaalsamenstel met meerdere biometrische samengestelde authenticate en kruisverificatie volgens conclusie 1, gekenmerkt doordat de halfgeleidercomponent voorzien is van een capacitieve halfgeleidersensor; en de vingerafdruk identificatie LED indicator lamp een monochromatische LED is welke bestuurd word om aars en uit te gaan middels de identificatiechip.The payment assembly with a plurality of biometric composite authenticate and cross-verification according to claim 1, characterized in that the semiconductor component is provided with a capacitive semiconductor sensor; and the fingerprint identification LED indicator lamp is a monochromatic LED which is controlled to vent and go out via the identification chip. 3, Het betaaisamenstei met meerdere biometrische samengestelde authenticate en kruisverificatie volgens conclusie 1, gekenmerkt doordat de vlngerader identificatie inrichting een identificatiechip omvat, een vingergroef module, een infrarood module, een beeidvormingsmoduie en een vingeraderherkenning LED-indicator lamp, en de vlngerader identificatie inrichting gebruik maakt van een CCD (charge coupled device) camera om vlngerader beelden neemt door nabij-infrarode bestraling,The multi-biometric composite authenticate and cross-verification payment device according to claim 1, characterized in that the lower vein identification device comprises an identification chip, a finger groove module, an infrared module, a picture forming module and a finger vein recognition LED indicator lamp, and the lower vein identification device uses from a CCD (charge coupled device) camera to fader images taken by near infrared radiation, 4~~-J4 ~~ -J 56 55.56 55. Figure 5 (A)Figure 5 (A) Bi \4\ <Bi \ 4 \ < «r £X£ X -f'-f ' 4. Hef betaaisamenstei volgens conclusie 3, gekenmerkt doordat infrarood modules aangebracht zijn aan twee zijden van de vingergroef module; de beeidvormingsmoduie is aangebracht aan de onderkant van de vingergroef module, en de vlngerader identificatie Inrichting LED indicator lamp een monochromatische LED is en wordt bestuurd om aan en uit te zijn door de identificatiechip,The pay assembly according to claim 3, characterized in that infrared modules are arranged on two sides of the finger groove module; the image-forming module is arranged at the bottom of the finger-groove module, and the vlngerader identification Device LED indicator lamp is a monochromatic LED and is controlled to be on and off by the identification chip, 5!5! 12 (^/7¾12 (^ / 7 ¾ Figure 4 ukFigure 4 uk 5 Stap 215: De betaalinrichting geeft het transactie resultaat weer en voltooit de transactie;Step 215: The payment device displays the transaction result and completes the transaction; Stap 216: De transactie server zendt een bericht van niet-succesvolle vingerafdruk vergelijking terug naar de betaalinrichting, onderbreekt de transactie en gaat naar stap 201;Step 216: The transaction server sends a message of unsuccessful fingerprint comparison back to the payment device, interrupts the transaction and goes to step 201; 10 Stap 217: Nadat de cliënt oordeelt dat de vertrouwelijke Informatie onjuist is, drukt de cliënt op de annuieringstoets om de transactie te annuleren en gaat dan naar stap 201;Step 217: After the client judges that the Confidential Information is incorrect, the client presses the cancel button to cancel the transaction and then goes to step 201; Stap 218: De transactie server zendt bericht dat de vingerader vergelijking niet succesvol terug naar de betaalinrichting, breekt de transactie af, en gaat dan naarStep 218: The transaction server sends a message that the finger vein comparison is not successfully returned to the payment device, cancels the transaction, and then proceeds to 15 stap 201.Step 201. -o-o-o-o-o9.-o-o-o-o-o9. Figure 1Figure 1 __*_£. External . antenna __ * _ £. External. antenna / 5 £L / 5 £ L — - -rg' -rg " MU MU Display screen *....................5—1Display screen * ................... .5—1 □ □ 8 8 Semiconductor module Semiconductor module
2G/3G/4G module2G / 3G / 4G module Recognition chipRecognition chip 8Π8Π Communication unit \ ICommunication unit \ I \Π \ Π Dustproof cover plate Dustproof cover plate Rc Rc )cker arm group cker arm group Driving motor Driving motor c c Gear set Gear set 1 1 giDustproof unit giDustproof unit ΐί- -ί λ λ
Display unitDisplay unit Λ'Λ'Λ'Λ'Λ'Λ'Λ'Λ'Λ'Λ’Χ'.'Λ'ΛΛ'Λ'Λ'Λ'Λ'Λ'Λ'Λ'Λ'Λ'Χ '.' Λ'Χ Λ ^(Keypad unit i-uΛ ^ (Keypad unit i-u LEDLED Fingerprint recognition /:Fingerprint recognition /: Recognition [ ]l 1Tlaging module chip R”i ——ARecognition [] l 1Tla went module chip R ”i ——A LEDLED Finger vein recognition '5 unit UFinger vein recognition '5 unit U Figure 2Figure 2 5. Het betaaisamenstei volgens conclusie 1, gekenmerkt doordat de antidichte Inrichting een stofdichte dekplaat, een zwenkarm, een aandrljfmotor, en een overbrengirsgsset omvat, waarbij de aandrljfmotor is verbonden met de hoofdbesturingsinrichting, de hoofdbesturingsinrichting de aandrljfmotor bestuurt om het werk te starten en de zwenkarm in beweging te zetten est de stofdichte dekplaat verbonderi met de zwenkarm om te roteren door de hoofd aandrijftandwiel en een aangedrevest tandwiel, De hoofd stuurinrichting opent en sluit de stofdichte dekplaat door de voos'waartse of achterwaartse rotatie van de aandrljfmotor te sturen; de tandwseiset os-nvat de hoofdaandrsjftandwsei en het aangedreven tandwiel.The pay assembly according to claim 1, characterized in that the anti-tight device comprises a dust-tight cover plate, a pivot arm, a drive motor, and a transmission set, the drive motor being connected to the main control device, the main control device controlling the drive motor to start the work and the pivot arm to set in motion the dustproof cover plate with the pivot arm to rotate through the main drive gear and a driven gear. The main control device opens and closes the dustproof cover plate by controlling the forward or backward rotation of the drive motor; the gearbox set includes the main gear and the driven gear. 6. Het betaaisamenstei volgens conclusie 1, gekenmerkt doordat de betaalinrichting structureel omvat een behuizing, een LCD-scherm, de toetsen, de externe antenne, de vingerafdruk Identificatie halfgeleidercomponent est LED·· indicator lamp daarvoor, waarbij de vlngerader identificatie vingergroef module en vingerader identifies tie indicatorlamp daarvan, de stofdichte dekplaat, de eerste zwenkarm en tweede zwenkarm en een stofafdichte afdicht strip; de eerst zwenkarm en de tweede zwenkarm zijn aangebracht aan twee einden van de stofdichte dekplaat, en de eerste zwenkarm dichtbij de toetsen is en de tweede zwenkarm dicht bij de behuizing; waarbij de vingerafdruk identificatie halfgeleider component in dezelfde horizontale positie is met de vingerader identificatie vinger groef module middels een klein platform op een geschikte hoogte; de externe antenne kan roteren om te worden opgeslagen achter in de behuizing, de stofdichte dekplaat doorschijnende frosted organisch glas kan zijn.The payment device according to claim 1, characterized in that the payment device structurally comprises a housing, an LCD screen, the keys, the external antenna, the fingerprint Identification semiconductor component and LED ·· indicator lamp therefor, wherein the finger vein identification identifies finger groove module and finger vein indicator lamp thereof, the dust-tight cover plate, the first swivel arm and second swivel arm and a dust-tight sealing strip; the first swing arm and the second swing arm are provided at two ends of the dustproof cover plate, and the first swing arm is close to the keys and the second swing arm is close to the housing; wherein the fingerprint identification semiconductor component is in the same horizontal position with the finger vein identification finger groove module through a small platform at a suitable height; the external antenna can rotate to be stored in the back of the housing, the dustproof cover plate can be translucent frosted organic glass. De stofdichte plaat omvat in hoofdzaak een stofdichte dekplaat, een eerste zwenkarm, een tweede zwenkarm, een aandrijfmotor, een tandwielset en een vaste as, waarbij de aandrijfmotor en de tandwielset zijn aangebracht aan een zijde dicht bij het toetsenbord, in de behuizing, het hoofd aandrijf tandwiel is voorzien op de aandrijfmotor en verbonden met het aangedreven tandwiel dat is verbonden met de eerste zwenkarm en aangebracht op een roterende as; en de tweede zwenkarm is aangebracht aan een zijde, dicht bij de buitnwand, in de behuizing en voorzien op de roterende as en kan vrij roteren om de roterende as. De eerste zwenkarm en de tweede zwenkarm zijn voorzien aan de twee einden van de stofdichte dekplaat, en de tandwielset omvat het hoofd aandrijftandwiel en het aangedreven tandwiel.The dustproof plate essentially comprises a dustproof cover plate, a first swing arm, a second swing arm, a drive motor, a gear set and a fixed shaft, the drive motor and the gear set being arranged on a side close to the keyboard, in the housing, the head drive gear is provided on the drive motor and connected to the driven gear connected to the first pivot arm and mounted on a rotating shaft; and the second pivotal arm is mounted on one side, close to the outer wall, in the housing and provided on the rotary axis and can rotate freely about the rotary axis. The first pivot arm and the second pivot arm are provided at the two ends of the dustproof cover plate, and the gear set includes the main drive gear and the driven gear. 7. Het betaalsamenstel volgens een der conclusie 1-6, gekenmerkt doordat het betaalproces omvat;The payment assembly according to any of claims 1-6, characterized in that the payment process comprises; Stap 201: De betaalinrichting accepteert een verzoek;Step 201: The payment device accepts a request; Stap 202: De handelaar voert transaetie-informatie in, omvattende het bedrag, en druk op een bevestlgingstoets ter bevestiging;Step 202: The merchant enters transactional information, including the amount, and press a confirmation key to confirm; Stap 203: De betaalinrichting start de vingerafdrukverificatie. De stofdichte dekplaat wordt geopend, de vingerafdruk identificatie LED-indicator lamp wordt aangezet, en de weergave-inrichting vraagt de cliënt voor opnemen van vingerafdruk;Step 203: The payment device starts the fingerprint verification. The dustproof cover plate is opened, the fingerprint identification LED indicator lamp is turned on, and the display device asks the client to record fingerprint; Stap 204: De betaaiinrichting verzamelt vingerafdrukken van de dient, extraheert de kenmerk codes, versleutelt en zendt de kenmerk codes naar de transactie server.Step 204: The pay device collects fingerprints from the client, extracts the feature codes, encrypts and sends the feature codes to the transaction server. Stap 205: De transactie server vergelijkt vingerafdrukinformatie uit in een vingerafdrukopsiag.Step 205: The transaction server compares fingerprint information in a fingerprint store. Stap 206: beoordeeld of vingerafdruk vergelijking succesvol is of niet; indien wel, dan wordt stap 207 uitgevoerd, indien niet succesvol, dan wordt stap 216 uitgevoerd;Step 206: assessed whether fingerprint comparison is successful or not; if so, then step 207 is performed, if not successful, then step 216 is performed; Stap 207: de bewaarde informatie van de overeenkomstige cliënt wordt opgehaald uit de vertrouwelijke informatie opslag in overeenstemming met de cliënt ID die overeenkomt met de succesvol geïdentificeerde en overeenkomende vingerafdrukken, versleuteld en dan teruggezonden naar de betaaHnrichting;Step 207: the stored information of the corresponding client is retrieved from the confidential information store in accordance with the client ID corresponding to the successfully identified and corresponding fingerprints, encrypted and then sent back to the payment device; Stap 208: De betaaiinrichting decodeert en toont de vertrouwelijke informatie en vervolgt met cliënt authentlcatie.Step 208: The payment device decodes and displays the confidential information and continues with client authentication. Stap 209: beoordeeld of de vertrouwelljke informatie correct Is of niet; Indien ja, ga naar stap 210, en Indien niet, ga naar stap 217;Step 209: assessed whether the confidential information is correct or not; If yes, go to step 210, and If not, go to step 217; Stap 210: Nadat de vertrouwelljke informatie door de cliënt beoordeeld is als zijnde correct, selecteert de cliënt om de authentlcatie te vervolgen, en start de betaaiinrichting vinger ader authentlcatie; de vingerader identificatie LED Indicator lamp wordt aangezet, en de weergave inrichting vraagt de cliënt om vingerader opnemen;Step 210: After the confidential information has been judged by the client to be correct, the client selects to continue the authentication, and starts the payment device under authentication; the finger vein identification LED Indicator lamp is turned on, and the display device asks the client to record finger vein; Stap 211; De betaaiinrichting verzamelt vingerader Informatie van de cliënt, extraheert kenmerk codes, versleuteld en zendt de kenmerk codes naar de transactie server;Step 211; The payment device collects finger vein Information from the client, extracts feature codes, encrypted and sends the feature codes to the transaction server; Stap 212: De transactie server vergelijkt vingerader informatie in een vingerader opslag en beoordeeld of de cliënt ID van de overeenkomstige vingerader wel of niet consistent is met de cliënt ID welke overeenkomt de overeenkomstige vingerafdruk nadat de vingerader succesvol vergeleken is;Step 212: The transaction server compares finger vein information in a finger vein store and judges whether or not the client ID of the corresponding finger vein is consistent with the client ID corresponding to the corresponding fingerprint after the finger vein has been successfully compared; Stap 213; beoordeeld of vingerader vergelijking succesvoi Is of niet; indien wel, ga naar stap 214, indien niet succesvoi, ga naar stap 218;Step 213; assessed whether finger vein comparison is successful or not; if yes, go to step 214, if not successful, go to step 218; Stap 214: De transactie server haalt rekening Informatie van de corresponderende cliënt op uit een rekening informatie opslag overeenkomstig de corresponderende cliënt ID, haait er geld vanaf en zendt het transactie resultaat terug naar de betaalinrichting;Step 214: The transaction server retrieves account information from the corresponding client from an account information store according to the corresponding client ID, shares money from it and sends the transaction result back to the payment device; 5 back to the payment device 1.5 back to the payment device 1. The payment device controls the display device 3 to display the transaction result information.The payment device controls the display device 3 to display the transaction result information. The invention involves a payment system with multi-biometric composite authentication and cross-validation. Firstly, biometric authentication is employed toThe invention involves a payment system with multi-biometric composite authentication and cross-validation. Firstly, biometric authentication is employed to 10 solve the inconvenience that consumers have to carry a bank card and enter a password for payment. Secondly, through composite authentication and cross-validation technologies allow consumers to accurately identify the legality of POS (point of sales) transaction equipment, creating safer and more convenient financial service for consumers and continuously improving customer experience. Thirdly, dustproof10 solve the inconvenience that consumers have to carry a bank card and enter a password for payment. Secondly, through composite authentication and cross-validation technologies allow consumers to accurately identify the legality of POS (point of sales) transaction equipment, creating safer and more convenient financial service for consumers and continuously improving customer experience. Thirdly, dustproof 15 measures are adopted to well protect the sensors of payment device so as to prolong the service life and reduce the failure rate of equipment.15 measures are adopted to well protect the sensors or payment device so as to prolong the service life and reduce the failure rate of equipment. ConclusiesConclusions -6·>· w-6 ·> · w ΠΒ v <::.<: iïk 64-5 >ΠΒ v <::. <: I 64-5> Figure 5 (B)Figure 5 (B) .............................<?. ............................. <?. .............................rT ............................. rT <^w <^ w J; Vj > J; Vj> Starting authentication Starting authentication CtXXXXXVVCCCCtVjj*.* CtXXXXXVVCCCCtVyy *. * Fingerprint authentication process Fingerprint authentication process kXXXXXXXXXXXVCC|gp kXXXXXXXXXXXVCC | gp Cross validation process Cross validation process νν»ν«ν«ν«ν«ν«νς^ νν »ν« ν «ν« ν «ν« νς ^ Finger vein authentication process Finger vein authentication process CkXXXXXXXXXXVkV^fp CkXXXXXXXXXXVkV ^ fp Finishing authentication Finishing authentication
Figure 6Figure 6 Figure 7Figure 7 Figure 8Figure 8
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Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20020111917A1 (en) * 1994-11-28 2002-08-15 Indivos Corporation, A Delaware Corporation Tokenless biometric electronic transactions using an audio signature to identify the transaction processor
US20030105725A1 (en) * 1994-11-28 2003-06-05 Ned Hoffman Tokenless identification system for authorization of electronic transactions and electronic transmissions
KR101792006B1 (en) * 2017-04-25 2017-11-21 주식회사 올아이티탑 System of certification card checking fingerprint and sensing a henatocele of finger

Patent Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20020111917A1 (en) * 1994-11-28 2002-08-15 Indivos Corporation, A Delaware Corporation Tokenless biometric electronic transactions using an audio signature to identify the transaction processor
US20030105725A1 (en) * 1994-11-28 2003-06-05 Ned Hoffman Tokenless identification system for authorization of electronic transactions and electronic transmissions
KR101792006B1 (en) * 2017-04-25 2017-11-21 주식회사 올아이티탑 System of certification card checking fingerprint and sensing a henatocele of finger

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