Payment authentication method based on fingerprints and finger veins

A payment authentication and finger vein technology, applied in the payment system, payment system structure, fingerprint/palmprint acquisition/organization, etc., can solve the problems of fingerprint information being stolen, copied and forged, security is difficult to meet, and security level is improved. Achieve the effect of saving verification times, convenient use, and improving verification efficiency

Inactive Publication Date: 2014-04-02
CHINA UNIONPAY
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0004]In the prior art, finger vein recognition and fingerprint recognition are also used in the field of financial payment, but both exist in a single information authentication method and are stored in a single point On the one hand, there are hidden risks of fingerprint information being stolen, copied and forged, and the security is difficult to meet; on the other hand, there are certain hidden risks in single-information authentication and single-point storage. security issues follow
[0005]In addition, in security, sec

Method used

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  • Payment authentication method based on fingerprints and finger veins
  • Payment authentication method based on fingerprints and finger veins
  • Payment authentication method based on fingerprints and finger veins

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Experimental program
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no. 1 approach

[0037] The present invention aims to propose a two-factor identity authentication method based on fingerprints and finger veins. At the same time, fingerprint information and finger vein information are used for authentication, which can fully ensure the accuracy of cardholder identity authentication results, effectively reduce the false recognition rate, and effectively Avoid possible hidden risks in various links such as terminal entry, card storage, information transmission, and system storage, and are suitable for transaction scenarios with large amounts and high risks.

[0038]The implementation method of the fingerprint and finger vein-based authentication payment method in the first embodiment of the present invention is roughly as follows: 1) In the cardholder registration step, the cardholder’s fingerprint information and finger vein information are obtained by opening the device, and the finger vein template and finger vein template are generated. Fingerprint template...

no. 2 approach

[0053] The payment authentication method based on fingerprints and finger veins of the second embodiment of the present invention is the same as the above-mentioned first embodiment in that the fingerprint template and the finger vein template are stored in the IC card and the background system respectively, and the difference is that In the second embodiment, the fingerprint template and the finger vein template are further encrypted, and the encrypted fingerprint template and the finger vein template are respectively stored in the IC card and the background system.

[0054] The following describes the payment authentication method based on fingerprints and finger veins according to the second embodiment of the present invention, mainly focusing on the differences from the first embodiment.

[0055] The payment authentication method based on fingerprints and finger veins in the second embodiment of the present invention mainly includes the following steps:

[0056] Registrati...

no. 3 approach

[0068] The fingerprint and finger vein-based payment authentication method of the third embodiment of the present invention is the same as the above-mentioned second embodiment in that the fingerprint template and the finger vein template are encrypted and stored in the IC card and the background system respectively. The difference The reason is that in the third embodiment, when performing the comparison, instead of decrypting the fingerprint template and the finger vein template as in the second embodiment and then comparing them, the on-site payment fingerprint information and the on-site payment finger After the vein information is encrypted according to the same encryption algorithm as the fingerprint template and the finger vein template, the encrypted on-site payment fingerprint information and the on-site payment finger vein information are compared with the encrypted fingerprint template and the finger vein template.

[0069] The following describes the payment authent...

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PUM

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Abstract

The invention relates to an integrated circuit (IC) card payment authentication method based on fingerprints and finger veins. The method comprises the following steps: registration: a registered terminal acquires registration finger vein information and registration fingerprint information of a cardholder to generate a finger vein template and a fingerprint template, stores the fingerprint template in an IC card and the finger vein template in a background system; trading: a payment terminal obtains site payment fingerprint information and site payment finger vein information acquired when the cardholder pays at site, compares the site payment fingerprint information with the fingerprint template stored in the IC card, if the comparison fails, trading is refused, if the comparison succeeds, the background system compares the site payment finger vein information with the finger vein template stored in the background system, if the comparison fails, the trading is refused, if the comparison succeeds, the trading is authenticated. By adopting the method, the identity authentication security level can be effectively improved.

Description

technical field [0001] The invention relates to a payment authentication method. More specifically, it relates to a payment authentication method for authentication based on human biometrics. Background technique [0002] The so-called human biometric identification technology is to use the inherent physiological characteristics of the human body (such as fingerprints, face images, finger veins, iris, etc.) (such as handwriting, voice, gait, etc.) for personal identification. Since the biological characteristics of the human body are inherently unique and cannot be copied, these biological characteristic keys generally cannot be copied, stolen or forgotten. Utilizing biometric identification technology, various human biometric systems such as fingerprint identification, speech recognition, iris identification, vein identification and facial feature identification have been developed. These systems can well solve the hidden dangers of traditional security protection method...

Claims

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Application Information

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IPC IPC(8): G06Q20/40G06Q20/34
CPCG06Q20/3415G06Q20/40145G06V40/1365G06V40/45
Inventor 才华何朔鲁志军
Owner CHINA UNIONPAY
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