Mobile equipment, system and method for carrying out banking business transaction on the basis of palmprint recognition

Abstract

The invention provides mobile equipment, a system and a method for carrying out banking business transaction on the basis of palmprint recognition. A palmprint acquisition prompt module in the mobile equipment is firstly adopted to prompt a user that the user needs to collect a verification palmprint used for verification; after the user carries out confirmation, a palmprint acquisition module in the mobile terminal collects the characteristic information of the verification palmprint; after the characteristic information is processed by a transaction processing module in the mobile equipment, the characteristic information is sent into a receiving and dispatching module of the mobile equipment and is sent to a bank transaction server; after the bank transaction server decrypts the received information, the obtained characteristic information of the verification palmprint and user identity information are transmitted to a bank verification server and are stored; subsequently, when a transaction applicant initiates a transaction request, the transaction processing module encrypts transaction request information, the characteristic information of the transaction palmprint and the identity information of the transaction applicant and sends the encrypted information to the bank transaction server; the bank transaction server processes the transaction information of the transaction applicant on the basis of a verification result of the verification server so as to guarantee transaction safety.

Description

technical field [0001] The invention relates to the field of banking transactions, in particular to a mobile device, system and method for performing banking transactions based on palmprint recognition. Background technique [0002] With the rapid development of e-commerce, more and more users begin to shop through the Internet. Since the Internet is an open and public network, there is no special organization to manage it. Therefore, the security of Internet-based transactions become the focus of attention of all parties. [0003] At this stage, hardware-based security authentication methods such as SMS dynamic verification code, OTP dynamic token, and secure SD card are generally used in mobile banking, or signature information and fingerprint identification information are used for identity authentication. [0004] For example, in the Chinese patent document with the application number 201210059410.4, a system and method for ensuring the security of network transactions ...

AI Technical Summary

Problems solved by technology

[0008] 1. Once the user's password is stolen, it is difficult to effectively protect the fund security of the user account;

[0009] 2. Since it is impossible to determine whether the operator who provided the password information of the user account is the owner of the account during the transaction process, it is difficult to confirm whether the person responsible for the negligent handling of the account is the bank or the merchant or the user himself;

[0011] 4. Inconvenient collection of fingerprint information

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