Payment authentication method based on fingerprints and finger veins

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...

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, security inspection and other fields that require high-accuracy identification, there are also identity authentication methods that use fingerprints and faces or a combination of other two biometric technologies , but it is basically a simple superposition of two biometric technologies, or a small-scale access control application. For example, both biometric technologies are matched at the terminal or both biometric technologies are matched in the background system. Superposition cannot fundamentally improve the security level

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