Business processing method and device, card object, storage medium and program product

Abstract

The embodiment of the invention provides a business processing method and device, a card object, a storage medium and a program product. The service processing method comprises the steps that service processing information input to a card object is received, the service processing information comprises a service processing instruction and biological characteristics, and the service processing instruction is used for indicating a service requested to be executed; responding to a card swiping operation executed on the card object on the card swiping equipment; and if the service processing information meets the service processing condition, triggering the card swiping equipment to execute the service. By adopting the embodiment of the invention, the security of service execution can be improved.

Description

Technical Field

[0001] The present application relates to the field of computer technology, and in particular to a business processing method, a business processing device, a card object, a computer-readable storage medium, and a computer program product. Background Art

[0002] Card objects can be used to execute services. Specifically, services can be triggered by swiping a card object. Currently, it is difficult to ensure the security of services triggered by swiping a card. This is because when a card object is lost, the card object may be illegally swiped. The card swipeer who swiped the card object is not the same person as the owner of the card object, resulting in illegal execution of services. Therefore, how to improve the security of service execution has become a current research hotspot. Summary of the invention

[0003] The embodiments of the present application provide a business processing method, device, card object, storage medium, and program product, which can improve the security of business execution.

[0004] On the one hand, an embodiment of the present application provides a service processing method, the service processing method comprising:

[0005] Receiving business processing information input to the card object, the business processing information includes business processing instructions and biometric features, the business processing instructions are used to indicate the business requested to be executed;

[0006] In response to a card swipe operation performed on a card object on a card swipe device;

[0007] If the business processing information meets the business processing conditions, the card swiping device is triggered to execute the business.

[0008] Accordingly, an embodiment of the present application provides a service processing device, the service processing device comprising:

[0009] A receiving unit, used to receive business processing information input to the card object, the business processing information includes business processing instructions and biometric features, and the business processing instructions are used to indicate the business requested to be executed;

[0010] The processing unit is used to respond to the card swiping operation performed on the card object on the card swiping device, and if the business processing information meets the business processing conditions, trigger the card swiping device to execute the business.

[0011] In one implementation, the card object includes an information collection module; a receiving unit, which is used to receive business processing information input to the card object, and is specifically used to perform the following steps:

[0012] Receive business processing information input into the information collection module in the card object.

[0013] In one implementation, the information collection module includes a sound signal collection submodule and a voiceprint recognition submodule, and the business processing instruction is a sound instruction; the receiving unit is used to receive the business processing information input to the information collection module in the card object, and is specifically used to perform the following steps:

[0014] Receiving a sound instruction input to a sound signal acquisition submodule in a card object;

[0015] The biometric feature is the voiceprint feature obtained by extracting the voiceprint of the voice command through the voiceprint recognition submodule.

[0016] In one implementation, the information collection module includes a sound signal collection submodule and a biometric feature collection submodule, and the business processing instruction is a sound instruction; the receiving unit is used to receive the business processing information input to the information collection module in the card object, and is specifically used to perform the following steps:

[0017] Receiving a sound instruction input to a sound signal acquisition submodule in a card object;

[0018] Receive biometrics input to the biometrics collection submodule in the card object.

[0019] In one implementation, the information collection module includes a sound signal collection submodule, a voiceprint recognition submodule and a biometric feature collection submodule, the business processing instruction is a sound instruction, and the biometric feature includes a first biometric feature and a second biometric feature; the receiving unit is used to receive the business processing information input to the information collection module in the card object, and is specifically used to perform the following steps:

[0020] Receive the voice command input to the voice signal acquisition submodule in the card object; the first biometric feature is the voiceprint feature obtained by extracting the voiceprint of the voice command through the voiceprint recognition submodule;

[0021] A second biometric feature input to a biometric feature collection submodule in the card object is received, where the second biometric feature is a type of biometric feature other than the voiceprint feature.

[0022] In one implementation, the receiving unit is used to receive the sound instruction input to the sound signal collection submodule in the card object, and is specifically used to perform the following steps:

[0023] The sound signal collection submodule includes a sound signal collection switch and a sound signal receiver; receives an on operation of the sound signal collection switch, and triggers receiving a sound instruction input to the sound signal receiver; receives an off operation of the sound signal collection switch, and triggers stopping receiving a sound instruction input to the sound signal receiver;

[0024] Alternatively, in response to a start collection signal input to the sound signal collection submodule, a sound instruction input to the sound signal collection submodule is received, and in response to a stop collection signal input to the sound signal collection submodule, receiving the sound instruction input to the sound signal collection submodule is stopped.

[0025] In one implementation, the information collection module includes an instruction input module and a biometric feature collection submodule; the receiving unit is used to receive the business processing information input to the information collection module in the card object, and is specifically used to perform the following steps:

[0026] Receiving a business processing instruction input into an instruction input module in a card object, the business processing instruction including at least one of the following: a text instruction, a graphic instruction, a symbol instruction, a digital instruction, and a gesture instruction;

[0027] Receive biometrics input to the biometrics collection submodule in the card object.

[0028] In one implementation, the business processing information satisfies the business processing condition, including at least one of the following:

[0029] The biometric feature meets the feature condition; the biometric feature meets the feature condition means that the biometric feature matches the input feature;

[0030] The business processing instruction meets the instruction condition.

[0031] In one implementation, the service processing instruction satisfies the instruction condition, including at least one of the following:

[0032] The operation key in the business processing instruction meets the key condition; the operation key meeting the key condition means that the operation key is the same as the preset key; the preset key is set in the management client of the card object; the operation key includes any of the following: a single-time valid key, a multi-time valid key, a short-term valid key, and a permanent valid key;

[0033] The business operation information in the business processing instruction satisfies the operation information condition; the business operation information satisfies the operation information condition means that the business operation information matches the operation information of the card swiping operation;

[0034] The operation time interval satisfies the time threshold condition; the operation time interval satisfies the time threshold condition means that the operation time interval is within the interval threshold, and the operation time interval refers to the time interval between the reception time of the business processing instruction and the card swiping time corresponding to the card swiping operation;

[0035] The payment resource amount in the business processing instruction meets the payment conditions.

[0036] In one implementation, the payment resource amount satisfies the payment condition including any one of the following:

[0037] The payment resource volume is the rated payment resource volume; the service payment resource volume corresponding to the service is less than or equal to the rated payment resource volume; the service payment resource volume refers to the resource volume required to execute the service;

[0038] The payment resource amount is the business payment resource amount corresponding to the business operation; the business payment resource amount is less than or equal to the remaining payment resource amount of the owner of the card object.

[0039] In one implementation, the service processing instruction includes a service type; and a processing unit, which is used to trigger the card swiping device to execute the service, is specifically used to execute the following operations:

[0040] Trigger the card swiping device to execute the business corresponding to the business type;

[0041] The services include any of the following: payment service, access control service, and attendance service.

[0042] In one implementation, the processing unit is further configured to perform the following steps:

[0043] Perform resource recharge operations on the card object.

[0044] In one implementation, the processing unit is configured to perform a resource recharge operation on the card object, including any of the following:

[0045] In response to a card swiping operation performed on a card object on a card swiping device, triggering a management client of the card swiping device to perform a resource recharging operation on the card object;

[0046] In response to a card swiping operation performed on a card object on a card swiping device, a resource recharging operation is triggered to be performed on the card object in a management client of the card object.

[0047] In one implementation, the processing unit is further configured to perform the following steps:

[0048] Compare the biometric features with the recorded features;

[0049] If the biometric feature matches the input feature, it is determined that the business processing information meets the feature condition in the business processing condition.

[0050] In one implementation, the biometric feature includes feature values ​​under one or more biometric feature types, and the recorded feature includes the recorded value under each biometric feature type; the processing unit is used to compare the biometric feature with the recorded feature, specifically to perform the following steps:

[0051] Compare the feature value of each biometric feature type with the input value of the corresponding biometric feature type;

[0052] If the feature value under each biometric feature type matches the input value under the corresponding biometric feature type, it is determined that the biometric feature matches the input feature;

[0053] If the biometric feature is a voiceprint feature, the biometric feature types included in the voiceprint feature include any one or more of the following: spectrum feature, resonance peak, pitch, volume, and accent.

[0054] Accordingly, an embodiment of the present application provides a card object, which includes:

[0055] An information collection module, used to receive business processing information input to a card object, the business processing information includes business processing instructions and biometric features, and the business processing instructions are used to indicate the business requested to be executed;

[0056] An access control module, for checking the business processing information based on the business processing condition in response to a card swiping operation performed on a card object on a card swiping device;

[0057] The communication module is used to trigger the card swiping device to execute the service if the service processing information meets the service processing conditions.

[0058] Accordingly, an embodiment of the present application provides a computer-readable storage medium, which stores a computer program. When the computer program is read and executed by a processor of a computer device, the computer device executes the above-mentioned business processing method.

[0059] Accordingly, an embodiment of the present application provides a computer program product, which includes a computer program stored in a computer-readable storage medium. A processor of a computer device reads the computer program from the computer-readable storage medium, and the processor executes the computer program, so that the computer device executes the above-mentioned business processing method.

[0060] In the embodiment of the present application, the business processing information input into the card information may include business processing instructions and biometrics. The business processing instructions may be used to indicate the business requested to be executed. In response to the card swiping operation performed on the card object on the card swiping device, if the business processing information meets the business processing conditions, the card swiping device may be triggered to execute the business. It can be seen that in the embodiment of the present application, the business processing information (including business processing execution and biometrics) needs to meet the business processing conditions before the business can be executed. The biometrics can be used to confirm the identity of the card swiper. The collection of biometrics effectively avoids the problem of illegal card swiping operations on the card object after the card object is lost, thereby improving the security of business execution. BRIEF DESCRIPTION OF THE DRAWINGS

[0061] In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the drawings required for use in the embodiments or the description of the prior art will be briefly introduced below. Obviously, the drawings described below are only some embodiments of the present application. For ordinary technicians in this field, other drawings can be obtained based on these drawings without paying creative work.

[0062] Figure 1 is a schematic diagram of a card swiping operation provided in an embodiment of the present application;

[0063] Figure 2 This is a schematic diagram of a card object usage architecture provided in an embodiment of the present application;

[0064] Figure 3 It is a schematic diagram of the architecture of a business processing system provided in an embodiment of the present application;

[0065] Figure 4 This is a schematic diagram of a setting interface for a preset key provided in an embodiment of the present application;

[0066] Figure 5 This is a schematic diagram of a card payment scenario provided in an embodiment of the present application;

[0067] Figure 6 It is a flowchart of a business processing method provided by an embodiment of the present application;

[0068] Figure 7 is a schematic diagram of an input structure of a card object provided in an embodiment of the present application;

[0069] Figure 8 is a schematic diagram of an input structure of another card object provided in an embodiment of the present application;

[0070] Fig. 9 This is a schematic diagram of an input structure of another card object provided in an embodiment of the present application;

[0071] Fig.10 is a schematic diagram of an input structure of another card object provided in an embodiment of the present application;

[0072] Fig.11 is a schematic diagram of an input structure of another card object provided in an embodiment of the present application;

[0073] Fig.12 It is a schematic diagram of inputting different types of business processing instructions provided in an embodiment of the present application;

[0074] Fig.13 This is a technical flow diagram of a card recharge provided by an embodiment of the present application;

[0075] Fig.14This is a technical flow diagram of a card swiping execution service provided in an embodiment of the present application;

[0076] Fig.15 This is a schematic diagram of transmission and verification of an operation key provided in an embodiment of the present application;

[0077] Fig.16 is a structural diagram of a card object provided in an embodiment of the present application;

[0078] Fig.17 It is a structural diagram of an information collection module in a card object provided in an embodiment of the present application;

[0079] Fig.18 It is a structural diagram of an information collection module in another card object provided in an embodiment of the present application;

[0080] Fig.19 is a structural diagram of an information collection module in another card object provided in an embodiment of the present application;

[0081] Fig. 20 is a structural diagram of an information collection module in another card object provided in an embodiment of the present application;

[0082] Fig.21 is a schematic diagram of the structure of an access control module in a card object provided in an embodiment of the present application;

[0083] Fig. 22 It is a structural diagram of a business processing device provided in an embodiment of the present application. DETAILED DESCRIPTION

[0084] The following will be combined with the drawings in the embodiments of the present application to clearly and completely describe the technical solutions in the embodiments of the present application. Obviously, the described embodiments are only part of the embodiments of the present application, not all of the embodiments. Based on the embodiments in the present application, all other embodiments obtained by ordinary technicians in this field without creative work are within the scope of protection of this application.

[0085] The present application embodiment relates to a card object, which refers to a device that triggers the execution of a service by swiping a card. The device here specifically refers to a smart card that uses NFC (Near Field Communication) technology (the card device can also be called an NFC hardware wallet), or specifically refers to a mobile terminal that uses NFC technology. Figure 1As shown, it refers to the operation of bringing the card object into contact with the card swiping device within a preset distance, and the contact may include zero-distance contact or close contact; the so-called zero-distance contact refers to the direct contact between the card object and the card swiping device; the so-called close contact refers to the proximity of the card object and the card swiping device but not contact, and the distance between the card object and the card swiping device during close contact does not exceed the preset distance. The types of services triggered by the card swiping operation may include but are not limited to any of the following: payment services (for example, payment, payment of membership points, and swiping cards to ride, etc.), access control services, and attendance services.

[0086] The overall structure of the card object during use is as follows Figure 2 As shown, the overall architecture may include a card object, a card swiping device, a management platform, and a management client. Among them: ① In the security module of the card object, the card object can communicate with the card swiping device through a communication protocol, and the communication protocol may include, for example, the 7816 protocol (a communication protocol for card objects), a single-line protocol, and a human-computer interaction protocol, etc.; the card object can also control the communication between the card object and the card swiping device through the access control rules in the access control module. When the card object is connected to multiple services, the card object may also include a multi-service operation management environment for managing multiple services. ② The card swiping terminal can communicate with the card object through CLF (Contactless Front-End). ③ The management platform can be used to access different services (for example, public transportation, banking, electronic tickets, membership cards, etc.), and provide management functions for different services, and can also provide management functions for the security module of the card object. ④ The management client can provide management functions for different services and management functions for card objects.

[0087] Based on the above introduction to the card object, in order to avoid the problem that the card object is illegally swiped and the service is illegally executed after the card object is lost, which affects the security of service execution, the embodiment of the present application creatively proposes a card object and a service processing method based on the card object, which can improve the security of service execution. Specifically:

[0088] For the card object: the original card object includes a hardware chip, which contains a digital certificate. On this basis, the embodiment of the present application adds an information collection module to the card object, which can be used to receive business processing instructions and biometrics. Correspondingly, a biometric comparison submodule and an instruction verification submodule are added to the access control module of the card object. The biometric comparison submodule can be used to verify the biometrics, and the instruction verification submodule can be used to verify the business processing instructions.

[0089] For the business processing method based on the card object: the original verification method in the card object is to verify the digital certificate in the hardware information to verify the validity of the card swiping operation. On this basis, the embodiment of the present application combines the verification of the digital certificate with the verification of the business processing instruction and the verification of the biometrics to verify the validity of the card swiping operation. Among them, the verification of the biometrics can include comparing the collected biometrics with the biometrics entered when the card object is opened to verify whether the card swiper is the owner of the card object, which effectively avoids the problem of illegal execution of the business due to the illegal execution of the card swiping operation after the card object is lost. Verification of business processing instructions may include verification of information carried in the business processing instructions, for example, may include: comparing the operation key carried in the business processing instruction with a preset key (the preset key is set by the owner of the card object) to verify whether the card swiper is the owner of the card object; comparing the business processing time carried in the business processing instruction with the card swiping time, and comparing the business processing location carried in the business processing instruction with the card swiping location. This verification method can be used as an anti-replay mechanism when the business processing instruction is a sound instruction to prevent the business processing instruction from being recorded and played back; and a payment verification mechanism that verifies the amount of payment resources carried in the business processing execution to verify the legitimacy of the payment resource amount; and so on.

[0090] It can be seen that the embodiment of the present application can effectively avoid the problem of illegal card swiping operations on the card object and the illegal execution of business after the card object is lost by improving the card object and the verification method in the card object, and can improve the security of business execution. In addition, the embodiment of the present application improves the card object without making major adjustments to the overall architecture of the card object during use, thereby improving the compatibility of the card object.

[0091] It should be noted that the relevant data collection (for example, the collection of business processing instructions and the collection of biometrics) and processing (for example, the verification of business processing instructions and the verification of biometrics, etc.) in this application should be strictly in accordance with the requirements of relevant laws and regulations when applied in instances, and the informed consent or separate consent of the personal information subject (or a legal basis) should be obtained, and subsequent data use and processing should be carried out within the scope of authorization of laws and regulations and the personal information subject.

[0092] The following is an introduction to the business processing system to which the card object belongs.

[0093] like Figure 3 As shown, the business processing system may include a card object 301, a card swiping device 302, a card object management client 303, and a business backend 304. Among them:

[0094] Card object 301: The card object may include an information collection module and an access control module, and the access control module may include a biometric feature comparison submodule and an instruction verification submodule. The information collection module may be used to receive business processing instructions and biometric features, the biometric feature comparison submodule may be used to verify the biometric features, and the instruction verification submodule may be used to verify the business processing instructions.

[0095] Card swiping device 302: The card swiping device may include any of the following: a POS (Point of Sales) machine, a mobile payment terminal, a cash register, and the like.

[0096] Card object management client 303: The card object management client can be used to manage the card object. The management here may include at least one of the following: setting a preset key of the card object in the card object management client, recharging resources of the card object in the card object management client, and managing the services supported by the card object (for example, adding, editing or deleting services supported by the card object), etc. The card object management client can run in the terminal.

[0097] Business backend 304: The business backend is a backend server that can be used to provide technical service support for the process of triggering the execution of business through card swiping operations. The technical service support provided by the business backend may include, for example, writing the recharged resource amount in the account corresponding to the card object after recharging the card object; performing auxiliary verification on the card object, for example, comparing the operation key carried in the business processing instruction with the preset key; deducting the paid resource amount from the account corresponding to the card object; and so on.

[0098] It should be noted that the terminal mentioned in the embodiments of the present application may be a smart phone, a tablet computer, a laptop computer, a desktop computer, an intelligent voice interaction device, a smart watch, a vehicle terminal, a smart home appliance, an aircraft, etc., but is not limited thereto. The backend server may be a separate physical server, or a server cluster or distributed system consisting of multiple physical servers, or a cloud server that provides basic cloud computing services such as cloud services, cloud databases, cloud computing, cloud functions, cloud storage, network services, cloud communications, middleware services, domain name services, security services, CDN (Content Delivery Network), and big data and artificial intelligence platforms, etc., which are described here. The client mentioned in the embodiments of the present application may include any of the following: applications, applets, and web (World Wide Web) applications, etc.

[0099] The following is an introduction to the business processing flow of the business processing system:

[0100] 1. Card recharge process:

[0101] Performing a card swiping operation on the card object on the card swiping device triggers the card swiping device to send a recharge request to the business backend. The business backend can respond to the recharge request and control the card swiping device to store the recharge data into the card object through the recharge instruction.

[0102] The card swiping device here can be a merchant's card swiping device, that is, the card object can be recharged through the merchant's card swiping device. In detail, the owner of the card object can perform a card swiping operation on the card object on the merchant's card swiping device, communicate with the merchant about the recharge amount, and pay the corresponding amount to the merchant. The merchant's card swiping device can send a recharge request to the business backend; the business backend can respond to the recharge request and control the card swiping device to store the recharge data into the card object through a recharge instruction.

[0103] Alternatively, the card swiping device may be a terminal operated by the management client of the card object, that is, the card object can be recharged through the management client of the card object. Specifically, the owner of the card object can perform a card swiping operation on the card object at the terminal operated by the management client of the card object, and after paying the corresponding amount in the management client of the card object, the management client of the card object can send a recharge request to the business backend; the business backend can respond to the recharge request and control the terminal operated by the management client of the card object through a recharge instruction to store the recharge data into the card object.

[0104] It should be noted that the card recharge process is consistent with the traditional card object in terms of interaction, but there are differences in the underlying technology. The difference is that what is stored in the card object is not the recharged resources, but a payment voucher; in the business background, the payment voucher is associated with the account corresponding to the card object, and the payment amount can be deducted from the corresponding account according to the payment voucher when the card is paid later. Storing payment vouchers instead of resources in the card object can improve the security of the resources.

[0105] 2. Setting process of preset key:

[0106] Before triggering the execution of a service by swiping a card, you can set a preset key, such as Figure 4 As shown, the owner of the card object can set a preset key similar to the payment password in the management client of the card object (for example, the management application or the card owner information and management background). Generally, the preset key can be set after the resource is recharged. The preset key can be used to compare with the operation key carried in the business processing instruction when the business is triggered by the subsequent card swiping operation. The preset key is similar to the password, such as Figure 4As shown, some easy-to-remember settings can be set (for example, Figure 4 The preset key is "Open Sesame" and a personalized sentence with personal characteristics is used as the preset key, making it difficult to crack the key. The preset key is personalized content and can be changed at any time, which can ensure the security of the card swiping operation to trigger the execution of the business.

[0107] 3. Process of swiping card to execute business:

[0108] Take the example of triggering payment service by swiping a card. The process of swiping a card to execute the service is as follows: Figure 5 As shown, the following (1)-(4) may be included:

[0109] (1) The card swiper (for example, a consumer) can input a service processing instruction and a biometric feature into the card object's information collection device. For example, the service processing instruction can be a voice instruction, and the information carried in the voice instruction can include: operation key (for example, open sesame) + service processing time (for example, time 1) + service type (for example, payment) + payment resource amount (for example, 50 yuan), that is, the voice instruction can be "open sesame time 1 pay 50 yuan"; the biometric feature can be a voiceprint feature obtained by extracting features from the voice instruction.

[0110] (2) The card object can compare whether the operation key carried in the voice command matches the preset key, check whether the business processing time carried in the voice command is correct (specifically, check whether the business processing time is consistent with the card swiping time), whether the voice command is issued by the owner of the card object (specifically, check whether the voiceprint feature identified from the voice command matches the voiceprint feature entered by the owner of the card object when the card object is activated), and use the payment resource amount as the payment limit to control the resource amount of subsequent card swiping payments.

[0111] (3) If the operation key in the voice command matches the preset key, the business processing time is correct (specifically, the business processing time is consistent with the card swiping time), and the voice command is issued by the owner of the card object (specifically, the voiceprint feature identified from the voice command matches the voiceprint feature entered by the owner of the card object when the card is activated), then if the card swipeer performs a card swipe operation on the card object on the card swiping device within the interval threshold (for example, the interval threshold is 20 seconds) after entering the voice command, and the amount of resources to be paid is within the payment limit, then this card swipe operation is valid and the payment process can be entered. The payment process refers to the card swiping device requesting the business backend to deduct the amount of resources to be paid from the account corresponding to the card object based on the payment voucher.

[0112] (4) If any of the following situations exists: the operation key in the voice command does not match the preset key, the business processing time is wrong (specifically, the business processing time is inconsistent with the card swiping time, which may be recorded and replayed), the voice command is not issued by the owner of the card object himself (specifically, the voiceprint feature identified from the voice command does not match the voiceprint feature entered by the owner of the card object when the card is activated), the operation times out (specifically, the time interval between the time of inputting the voice command and the time of executing the card swiping operation exceeds the interval threshold), and the limit is exceeded (specifically, the amount of resources to be paid exceeds the payment limit), then the card object will not communicate with the card swiping device, the card swiping operation is invalid, and the card swiping payment fails.

[0113] It can be seen that based on the business processing system, by comparing the biometrics and the operation key in the business processing instruction, it can be determined whether the card swipeer is the owner of the card object, which can improve the security of business execution. Furthermore, by checking whether the business processing time is correct, even after determining that the card swipeer is the owner of the card object, it can still be determined whether the business processing instruction is the card swipeer replaying the recording of the instruction to the owner of the card object, which can further improve the security of business execution. In addition, by carrying the payment amount in the business processing instruction, it can avoid the problem of large amount of payment resources being wrongly deducted due to incorrect input of large amount of payment resources, which can improve resource security.

[0114] It can be understood that the business processing system described in the embodiment of the present application is for the purpose of more clearly illustrating the technical solution of the embodiment of the present application, and does not constitute a limitation on the technical solution provided in the embodiment of the present application. It is known to those skilled in the art that with the evolution of the system architecture and the emergence of new business scenarios, the technical solution provided in the embodiment of the present application is also applicable to similar technical problems.

[0115] Next, the business processing method provided in the embodiment of the present application is introduced in detail.

[0116] The embodiment of the present application provides a business processing method, which is executed by a card object. The content of the business processing method includes: different input methods of business processing instructions and biometrics, conditions for valid card swiping operations, and card swiping recharge scenarios. Figure 6 As shown, the business processing method may include but is not limited to the following steps S601 to S603:

[0117] S601, receiving business processing information input to a card object, where the business processing information includes business processing instructions and biometric features, and the business processing instructions are used to indicate a business request to be executed.

[0118] In step S601, the card object may include an information collection module, which may receive business processing information input by the card swiper into the information collection module in the card object. The business processing information may include business processing instructions and biometric features. The business processing instructions may be used to indicate the business requested to be executed.

[0119] The following introduces different ways of inputting business processing information (i.e., business processing execution and biometrics). The way of inputting business processing information (i.e., business processing execution and biometrics) may include any of the following:

[0120] The first method is to input voice commands and extract voiceprint features.

[0121] In this business processing information input method, the business processing instruction is a voice instruction; the information collection module may include a voice signal collection submodule and a voiceprint recognition submodule. The voice instruction input to the voice signal collection submodule in the card object may be received; the biometric feature may be a voiceprint feature obtained by extracting the voice instruction through the voiceprint recognition submodule.

[0122] Furthermore, the voice command input method may include any of the following ① and ②:

[0123] ① Input method 1 of voice command: The voice signal collection submodule may include a voice signal collection switch and a voice signal receiver; it may receive an on operation of the voice signal collection switch, and trigger receiving a voice command input to the voice signal receiver; it may receive an off operation of the voice signal collection switch, and trigger stopping receiving a voice command input to the voice signal receiver.

[0124] The card object in the voice command input method is as follows Figure 7 As shown, the card object may include a sound signal collection switch (for example, Figure 7 microphone switch in the Figure 7 The microphone in the Figure 7 After pressing the microphone switch, the voice command from the microphone is received, the voiceprint recognition chip is started, and begins to extract the voiceprint features from the voice command; the microphone switch can be released to stop receiving the voice command from the microphone.

[0125] ② The second input method of sound instructions: in response to the start collection signal input to the sound signal collection submodule, the sound instruction input to the sound signal collection submodule can be received, and in response to the stop collection signal input to the sound signal collection submodule, the sound instruction input to the sound signal collection submodule can be stopped.

[0126] The card object in the voice command input method is as follows Figure 8 As shown, the card object may include a sound signal acquisition submodule (for example, Figure 8 The microphone in the Figure 8 The voiceprint recognition chip in the microphone). After detecting a start collection signal in the microphone, the voice command in the microphone can be received, and the voiceprint recognition chip starts to extract the voiceprint features in the voice command; after detecting a stop collection signal in the microphone, the voice command in the microphone can be stopped.

[0127] The second method is to input voice commands + input biometrics.

[0128] In this business processing information input mode, the business processing instruction is a sound instruction; the information collection module may include a sound signal collection submodule and a biometric feature collection submodule. The sound instruction input to the sound signal collection submodule in the card object may be received; and the biometric feature input to the biometric feature collection submodule in the card object may be received.

[0129] In the input mode of the business processing information, the input mode of the voice command is the same as the input mode of the voice command in the first business processing information input mode, and will not be repeated here. Taking the voice signal acquisition submodule including the voice signal acquisition switch and the voice signal receiver as an example, the card object in the input mode of the business processing information is as follows: Fig. 9 As shown, the card object may include a sound signal collection switch (for example, Fig. 9 microphone switch in the Fig. 9 The microphone in the Fig. 9 The fingerprint collector in the device). After pressing the microphone switch, the user can receive voice commands from the microphone. The user can release the microphone switch to stop receiving voice commands from the microphone. The user can place a finger on the fingerprint collector to collect fingerprint features.

[0130] The third method is to input voice commands + extract voiceprint features + input other biometric features.

[0131] In this business processing information input method, the business processing instruction is a sound instruction; the biometric feature may include a first biometric feature and a second biometric feature; the information collection module may include a sound signal collection submodule, a voiceprint recognition submodule and a biometric feature collection submodule. The sound instruction input to the sound signal collection submodule in the card object may be received; the first biometric feature may be a voiceprint feature obtained by extracting the voiceprint of the sound instruction through the voiceprint recognition submodule; the second biometric feature input to the biometric feature collection submodule in the card object may be received, and the second biometric feature may be a type of biometric feature other than the voiceprint feature.

[0132] In the input mode of the business processing information, the input mode of the voice command is the same as the input mode of the voice command in the first business processing information input mode, and will not be repeated here. Taking the voice signal acquisition submodule including the voice signal acquisition switch and the voice signal receiver as an example, the card object in the input mode of the business processing information is as follows: Fig.10 As shown, the card object may include a sound signal collection switch (for example, Fig.10 microphone switch in the Fig.10 The microphone in the voiceprint recognition submodule (for example, Fig.10 The voiceprint recognition chip in the Fig.10 After pressing the microphone switch, the voice command from the microphone is received, the voiceprint recognition chip is started, and the voiceprint features in the voice command are extracted; the microphone switch can be released to stop receiving the voice command from the microphone; the finger can be placed on the fingerprint collector, and the fingerprint collector collects the fingerprint features.

[0133] The fourth method is to enter other instructions + enter biometrics.

[0134] In this business processing information input method, the information collection module may include an instruction input module and a biometric feature collection submodule. A business processing instruction input to the instruction input module in the card object may be received, and a biometric feature input to the biometric feature collection submodule in the card object may be received. The business processing instruction may include at least one of the following: a text instruction, a graphic instruction, a digital instruction, a symbol instruction, and a gesture instruction. Among them, a text instruction refers to a business processing instruction in the form of text; a graphic instruction refers to a business processing instruction in the form of a graphic, and different graphics represent different business processing instructions; a digital instruction refers to a business processing instruction in the form of a number, and different numbers represent different business processing instructions; a symbol instruction refers to a business processing instruction in the form of a symbol, and different symbols represent different business processing instructions; a gesture instruction refers to a business processing instruction in the form of a gesture, and different gestures represent different business processing instructions.

[0135] The card object in the input method of the business processing information is as follows Fig.11 As shown, the card may include an instruction input module (e.g., Fig.11 Input Panel in ) and Biometric Capture Submodule (e.g. Fig.11 Fingerprint collector in ). Fig.11 Taking inputting a text instruction in the instruction input module as an example, the input text instruction is "Open Sesame time 1 pay 50 yuan"; the finger can be placed on the fingerprint collector, and the fingerprint collector collects fingerprint features.

[0136] like Fig.12 As shown, it is also possible to enter the command input module (for example, Fig.12 ) in the Input Panel (for example, Fig.12 The graphic instruction input in (a) is "square", representing payment business), symbol instruction (for example, Fig.12 In (b), the symbolic instruction entered is "P", which stands for payment service), digital instructions (for example, Fig.12 The digital instruction entered in (c) is "50", which means to pay 50 yuan or the payment amount is 50 yuan) or gesture instructions (for example, Fig.12 The gesture command input in (d) is "index finger long press input panel", representing payment service). In addition, different types of service processing commands can also be combined, such as Fig.12 As shown, "symbol instruction + digital instruction" is input as the business processing instruction (for example, Fig.12 The “P50” in (e) means payment of 50 yuan).

[0137] It should be noted that Fig. 9 , Fig.10 and Fig.11 The example in which the biometric feature collection module is a fingerprint collector is used for illustration. The embodiment of the present application does not limit the type of the biometric feature collection module. For example, the biometric feature collection module may also be a face collector or an iris collector, etc. The biometric features collected by the face collector are face features, and the biometric features collected by the iris collector are iris features.

[0138] It can be seen that step S601 provides a variety of input methods for business processing information. In the first input method of business processing information, biometrics can be directly extracted from voice instructions, reducing the cost of collecting biometrics separately; in the second input method of business processing information, biometrics are collected separately, which can avoid the problem of voice instructions being recorded and played back. When the voice instructions are recorded and played back, the comparison results of voiceprint features are unreliable; in the third input method of business processing information, multiple biometrics are input, which can improve the credibility of the biometric comparison results; in the fourth input method of business processing information, the input form of business processing instructions is not limited to voice form, which can better adapt to different users of card objects (for example, text instructions, graphic instructions, digital instructions, symbol instructions, and gesture instructions are more suitable for users who cannot issue voice instructions).

[0139] S602, responding to a card swiping operation performed on a card object on a card swiping device.

[0140] In step S602, the card swiping operation refers to an operation of making contact with the card swiping device within a preset distance. In the embodiment of the present application, the execution order between the card swiping operation and the receiving of business processing information is not limited. In one implementation, the card object may first receive the business processing information input to the card object, and then respond to the card swiping operation performed on the card object on the card swiping device. That is, the card swiper may first input the business processing information to the card object, and then perform the card swiping operation. Step S601 is performed before step S602. In another implementation, the business processing information input to the card object may be received in the process of responding to the card swiping operation performed on the card object on the card swiping device. That is, the card swiper inputs the business execution information to the card object in the process of performing the card swiping operation. Step S601 is performed during the execution of step S602.

[0141] S603: If the business processing information meets the business processing conditions, the card swiping device is triggered to execute the business.

[0142] In step S603, the business processing information satisfies the business processing condition, which may include at least one of the following:

[0143] 1. The biometric features meet the feature conditions.

[0144] The biometric characteristic meets the characteristic condition, which means that the biometric characteristic matches the input characteristic; the input characteristic refers to the biometric characteristic input by the owner of the card object when the card object is activated. It can be seen that when the biometric characteristic meets the characteristic condition, it can be guaranteed that the card swipeer and the owner of the card object are the same person, which can improve the security of triggering the business execution through the card swiping operation.

[0145] 2. The business processing instruction meets the instruction conditions.

[0146] The business processing instruction satisfies the instruction conditions, including at least one of the following (1)-(4):

[0147] (1) The operation key in the business processing instruction meets the key condition.

[0148] The operation key satisfies the key condition, which means that the operation key is the same as the preset key. Figure 4As shown, the preset key can be set in the management client of the card object. The operation key can include any of the following: a one-time key, a multiple-time key, a short-term key, and a permanent key. Among them, a one-time key refers to a one-time key, which becomes invalid after being used once. This ensures that if a malicious third party obtains the operation key in the voice command, it cannot be reused; a multiple-time key refers to a key with a specified number of uses, and the multiple-time key becomes invalid after being used the specified number of times; a short-term key refers to a key with a specified validity period, and the short-term key becomes invalid after the specified validity period; a permanent key refers to a permanently valid key.

[0149] (2) The business operation information in the business processing instruction meets the operation information condition.

[0150] The business operation information satisfies the operation information condition, which means that the business operation information matches the operation information of the card swiping operation. In detail, the business operation information may include at least one of the following: business processing time and business processing location; correspondingly, the operation information of the card swiping operation includes at least one of the following: card swiping time and card swiping location; the business operation information matches the operation information of the card swiping operation, including at least one of the following: the business processing time is the same as the card swiping time, and the business processing location is the same as the card swiping location. For example, if the business processing time carried in the business processing instruction is "time 1" and the card swiping time is "time 1", it can be determined that the business processing time is the same as the card swiping time; if the business processing location carried in the business processing instruction is "location 1" and the card swiping location is "location 1", it can be determined that the business processing time is the same as the card swiping time; thus, it can be determined that the business operation information satisfies the operation information condition.

[0151] It can be seen that by carrying the business processing time and / or business processing location in the business processing instruction and verifying the business processing time and / or business processing location, the card object has an anti-replay mechanism. The anti-replay mechanism is to prevent the business processing instruction from being recorded and replayed. The business processing time and / or business processing location in the business processing that is recorded and replayed is usually different from the card swiping time and / or card swiping location.

[0152] (3) The operation time interval meets the time threshold condition.

[0153] The operation time interval meeting the time threshold condition means that the operation time interval is within the interval threshold; the operation time interval refers to the time interval between the time of receiving the business processing instruction and the card swiping time corresponding to the card swiping operation. In particular, the judgment of the time threshold condition is applicable to the case where the card swiper inputs the business processing information to the card object. Before the card swiper performs the card swiping operation, the time interval can be a shorter time interval, such as 20 seconds, so as to prevent a malicious third party from obtaining the card object for which the business processing instruction has been input and being unable to use it within a short time.

[0154] (4) The payment resource amount in the business processing instruction meets the payment conditions.

[0155] The payment resource amount that satisfies the payment conditions may include any of the following:

[0156] The first type is that the payment resource amount is the rated payment resource amount; the business payment resource amount corresponding to the business is less than or equal to the rated payment resource amount; the business payment resource amount refers to the amount of resources required to execute the business. For example, in the business of paying for the purchase of goods, the card user sets the rated payment amount as 50 yuan in the business processing instruction. If the merchant enters the purchase cost as 40 yuan, which is less than the rated payment amount, it can be determined that the payment conditions are met; if the merchant mistakenly enters the purchase cost as 60 yuan, which is greater than the rated payment amount, it can be determined that the payment conditions are not met and the card payment is invalid. It can be seen that by setting the rated payment resource amount in the business processing instruction, it can be ensured that the resource amount of the card payment is within the rated payment resource amount, and the card payment exceeding the rated payment resource amount is invalid, which can improve the security of the card payment.

[0157] The second type is that the payment resource amount is the business payment resource amount corresponding to the business operation; the business payment resource amount is less than or equal to the remaining payment resource amount of the owner of the card object. For example, the card swipe user sets the payment amount to 50 yuan in the business processing instruction. If the balance in the account corresponding to the card object is greater than or equal to 50 yuan, the card payment is valid; if the balance in the account corresponding to the card object is less than 50 yuan, the card payment is invalid. It can be seen that by setting the payment resource amount in the business processing instruction and checking whether the remaining payment resource amount in the account corresponding to the card object is sufficient for the card payment, the accuracy of the card payment can be guaranteed.

[0158] In step S603, if the business processing information meets the business processing conditions, the card swiping device can be triggered to perform the business. In detail, the business processing instruction can include a business type, which can trigger the card swiping device to perform the business corresponding to the business type. The business type can include any of the following: payment type, access control type, attendance type; correspondingly, the business can include any of the following: payment business, access control business, attendance business. Among them, the card swiping device performing the payment business can mean that the card swiping device (or the card swiping device requests the business backend) transfers the business payment resource amount from the account corresponding to the card object to the merchant account (for example, pays the business payment resource amount to the merchant), or the card swiping device (or the card swiping device requests the business backend) requests the business backend to deduct the business payment resource amount from the account corresponding to the card object (for example, deducts the number of rides). The card swiping device performing the access control business can mean that the card swiping device (or the card swiping device requests the access control device (for example, door lock)) opens the access control. The card swiping device performing the attendance business can mean that the card swiping device records attendance.

[0159] Optionally, if the business processing information does not meet the business processing conditions, the card swiping device may be triggered to prompt that the card swiping failed. Business processing information not meeting the business processing conditions may include any of the following situations: the biometric feature does not match the input feature, the operation key is different from the preset key, the business operation information does not match the operation information of the card swiping operation, the operation time interval exceeds the interval threshold, and the payment resource amount does not meet the payment conditions (which may include the business payment resource amount being greater than the rated payment resource amount, or the business payment resource amount being greater than the remaining payment resource amount of the owner of the card object).

[0160] The above steps S601 to S603 introduce the process of swiping a card to perform a service. The following is an introduction to the card recharge process. You can perform resource recharge operations on a card object, which may include any of the following:

[0161] The first method is to trigger the management client corresponding to the card swiping device to perform a resource recharge operation on the card object in response to a card swiping operation performed on the card object on the card swiping device. In this case, the card swiping device can be a merchant's card swiping device, and the recharge resource amount can be entered in the management client of the card swiping device; the management client of the card swiping device can send a recharge request to the business backend, and the business backend can respond to the recharge request, increase the payment resource amount in the account corresponding to the card object, and control the card swiping device to store the recharge data (the recharge data is the payment voucher) into the card object through the recharge instruction.

[0162] The second method is to trigger the management client of the card object to perform a resource recharge operation on the card object in response to the card swiping operation performed on the card object on the card swiping device. In this case, the card swiping device can be the terminal of the owner of the card object, and the management client of the card object can be running in the terminal; the recharge resource amount can be input in the management client of the card object; the management client of the card object can send a recharge request to the business background, and the business background can respond to the recharge request, increase the payment resource amount in the account corresponding to the card object, and control the card swiping device (i.e., the terminal of the owner of the card object) through the recharge instruction to store the recharge data (the recharge data is the payment voucher) into the card object.

[0163] Optionally, similar to the scenario of swiping a card to execute a business, in a card swiping recharge scenario, recharge information can be received and input into the card object. The recharge information may include recharge instructions and biometric features. The recharge instructions can be used to indicate the amount of recharged resources. If the recharge information meets the recharge conditions, the resource recharge operation can be performed on the card object. If the recharge information does not meet the recharge conditions, the card swiping device can be triggered to prompt that the recharge failed.

[0164] Furthermore, the input method of the recharge information is the same as the input method of the business processing information, which will not be repeated here. The recharge information satisfies the recharge conditions, and may include at least one of the following: the biometric feature matches the input feature, the operation key carried in the recharge instruction is the same as the preset key, the business operation information carried in the recharge instruction (which may include the recharge time and / or the recharge location) matches the operation information of the card swiping operation (which may include the card swiping time and / or the card swiping location), and the operation time interval is within the interval threshold. The recharge information does not meet the recharge conditions, and may include any of the following: the biometric feature does not match the input feature, the operation key is not the same as the preset key, the business operation information does not match the operation information of the card swiping operation, and the operation time interval exceeds the interval threshold. It can be seen that by verifying the recharge information before recharging the resources, the security of card swiping recharge can be improved.

[0165] In the embodiment of the present application, by verifying the biometrics, it is possible to verify whether the card swipe user and the owner of the card object are the same person, thereby improving the security of card swipe execution services; by verifying the operation key in the business processing instruction, it is possible to verify whether the card swipe user and the owner of the card object are the same person, and by setting the operation key to a single valid key, it is possible to ensure that the operation key cannot be reused even after being maliciously acquired, thereby improving the security of card swipe execution services; by verifying the business processing time and / or business processing location in the business processing instruction, it is possible to prevent replay attacks on the business processing instruction, thereby improving the security of card swipe execution services; by limiting the time interval between the card swipe user inputting the business processing instruction and executing the card swipe operation, it is possible to ensure that the card object that has been maliciously acquired and has entered the business processing instruction cannot be used in a short time, thereby improving the security of card swipe execution services; by limiting the payment resources, the payment security and correctness can be improved. In addition, by verifying the recharge information before recharging the resources, the security of card swipe recharge can be improved.

[0166] The above introduces the scenarios of card recharge and card execution business. The following introduces the technical process of card recharge and card execution business.

[0167] 1. Technical process of card recharge:

[0168] The technical process of card recharge is as follows Fig.13 As shown, the following steps S1301 to S1308 may be included:

[0169] S1301: The card object contacts the card swiping device to perform a card swiping operation.

[0170] S1302, the card swiping device inputs the recharge resource amount.

[0171] S1303, the card swiping device sends a recharge request to the service backend.

[0172] S1304, the business backend responds to the recharge request, increases the payment resource amount in the account corresponding to the card object, and generates a payment voucher for the card object.

[0173] The business backend can associate the payment credentials of the card object with the account corresponding to the card object.

[0174] S1305, the business backend sends the payment voucher to the card swiping device.

[0175] S1306: The card swiping device performs a first verification on the payment credential.

[0176] The first check here refers to checking whether the payment voucher complies with the voucher specification.

[0177] S1307: The card swiping device writes the payment voucher into the card object.

[0178] S1308: The card object performs a second verification on the payment credential, and stores the payment credential after the verification passes.

[0179] The second verification here refers to verifying whether the payment voucher complies with the voucher specification.

[0180] exist Fig.13 In the technical process of card recharge shown in the figure, what is stored in the card object after recharge is not the specific recharge resource amount but the payment voucher, which can improve resource security. The payment voucher is associated with the account corresponding to the card object, and the resources can be deducted from the account corresponding to the card object according to the payment voucher during subsequent card payment.

[0181] 2. Technical process of card swiping:

[0182] Fig.14 Taking the card swiping operation as an example, the following situations are introduced: the biometric feature matches the input feature, the operation key is the same as the preset key, the business operation information matches the operation information of the card swiping operation, the operation time interval is within the interval threshold, and the business payment resource amount is less than or equal to the rated payment resource amount. Fig.14 As shown, the card swiping execution service may include the following steps S1401-S1412:

[0183] S1401, the card swiper inputs business processing information into the card object.

[0184] The service processing information may include service processing instructions and biometric features. The service processing instructions may be used to indicate the service requested to be executed.

[0185] S1402: The card object receives business processing information input into the card object.

[0186] When the business processing instruction is a voice instruction, the card object may also include a voice recognition chip, which can perform voice recognition on the voice instruction, obtain the text corresponding to the voice instruction, and extract operation keys, business operation information, business type, payment resource amount and other information from the text.

[0187] S1403, the card object checks whether the biometric feature meets the feature conditions.

[0188] The card object checks whether the biometric feature meets the feature condition means that the card object compares the biometric feature with the recorded feature; if the biometric feature matches the recorded feature, it can be determined that the biometric feature meets the feature condition; if the biometric feature does not match the recorded feature, it can be determined that the biometric feature does not meet the feature condition.

[0189] The biometric feature and the recorded feature can be compared according to the feature comparison rules. When the card object is activated, the biometric feature (i.e., the recorded feature) of the owner of the card object can be recorded, and the recorded feature can be stored in the card object. The biometric feature can include feature values ​​under one or more biometric feature types, and the recorded feature includes the recorded value under each biometric feature type.

[0190] The process of comparing the biometric feature with the input feature according to the feature comparison rule may include: comparing the feature value under each biometric feature type with the input value under the corresponding biometric feature type; if the feature value under each biometric feature type matches the input value under the corresponding biometric feature type, it can be determined that the biometric feature matches the input feature; if there is a biometric feature type whose feature value does not match the input value, it can be determined that the biometric feature does not match the input feature. The feature value matches the input value, which means that the difference between the feature value and the input value is less than the difference threshold; the feature value does not match the input value, which means that the difference between the feature value and the input value is greater than or equal to the difference threshold.

[0191] In particular, if the biometric feature is a voiceprint feature, the biometric feature types included in the voiceprint feature may include any one or more of the following: spectral features, formants, pitch, volume, and accent. Among them, spectral features may include, for example, inverse spectrum, spectral envelope, etc., which can be used to reflect the frequency distribution of voice instructions; formants refer to frequency points related to the shape of the vocal tract, which can be used to indicate the timbre of voice instructions; pitch (F0) refers to the frequency of vocal cord vibration, which can be used to indicate the pitch of voice instructions; volume refers to the loudness or intensity of voice instructions; accent can be used to indicate the pronunciation style of voice instructions. An exemplary voiceprint feature (the voiceprint feature includes voiceprint feature types of spectral features, formants and pitch) is shown in Table 1 below:

[0192] Table 1

[0193]

[0194] S1404: If the biometric feature meets the feature condition, the card object checks whether the business processing time in the business processing instruction is correct.

[0195] Checking whether the business processing time in the business processing instruction is correct means comparing the business processing time in the business processing execution with the card swiping time. If the business processing time is the same as the card swiping time, it can be determined that the business processing time is correct; if the business processing time is different from the card swiping time, it can be determined that the business processing time is incorrect.

[0196] Optionally, after determining that the business processing time is correct, it is also possible to check whether the business processing location in the business processing instruction is correct. If it is correct, it can trigger the execution of S1405. Checking whether the business processing location in the business processing instruction is correct means: comparing the business processing location in the business processing execution with the card swiping location. If the business processing location is the same as the card swiping location, it can be determined that the business processing location is correct; if the business processing location is different from the card swiping location, it can be determined that the business processing location is incorrect.

[0197] S1405, after performing a card swiping operation on the card object on the card swiping device, the card swiping device inputs the service payment resource amount and initiates a card swiping instruction.

[0198] S1406: After receiving the card swiping instruction, the card object checks whether the operation time interval has timed out.

[0199] The operation time interval refers to the time interval between the reception time of the business processing instruction and the card swiping time corresponding to the card swiping operation. Checking whether the operation time interval has timed out means: comparing the operation time interval with the interval threshold. If the operation time interval is within the interval threshold, it can be determined that the operation time interval has not timed out; if the operation time interval exceeds the interval threshold, it can be determined that the operation time interval has timed out.

[0200] S1407: If it has not timed out, the card object checks whether the service payment resource amount exceeds the rated payment resource amount in the service processing instruction.

[0201] S1408: If it does not exceed, the card object transmits the operation key in the business processing instruction to the card swiping device.

[0202] S1409, the card swiping device transparently transmits the operation key to the business backend.

[0203] S1410, the business background verifies whether the operation key is legal.

[0204] Verifying whether the operation key is legal means comparing the operation key with the preset key. If the operation key matches the preset key, it can be determined that the operation key is legal; if the operation key does not match the preset key, it can be determined that the operation key is illegal.

[0205] S1411, if the operation key is legal, the business background transmits the legal result to the card swiping device.

[0206] S1412, the card swiping device executes the service requested by the service processing instruction.

[0207] For example, if the service requested by the business processing instruction is a payment service, the card swiping device can submit the business payment resource amount and the payment certificate of the card object to the business background. The business background can determine the account of the card object based on the payment certificate of the card object and deduct the business payment resource amount from the account of the card object.

[0208] It should be noted that the transmission and verification process of the operation key is as follows Fig.15 As shown, Fig.15 The legitimacy of the operation key is verified by the business background because after the preset key is set in the management client of the card object, the preset key is uploaded to the business background for storage. Optionally, if after the preset key is set in the management client of the card object, the preset key is uploaded to the card object for storage, the legitimacy of the operation key can be verified by the card object.

[0209] exist Fig.14 In the technical process of card recharge shown, by verifying the instruction content in the business processing instruction and verifying the biometric features, the card object cannot be illegally swiped to trigger the execution of the business even if the card object is lost, which can improve the security of the card swiping business.

[0210] The structure of the card object provided in the embodiment of the present application is introduced below.

[0211] The present application embodiment provides a card object, such as Fig.16 As shown, the card object may include:

[0212] 1. Information collection module 1601:

[0213] The information collection module may be used to receive business processing information input into the card object. The business processing information may include business processing instructions and biometric features. The business processing instructions may be used to indicate the business requested to be executed.

[0214] Furthermore, the information collection module may include any of the following situations:

[0215] Case 1:

[0216] The service processing instruction can be a voice instruction. Fig.17 As shown, the information acquisition module 1601 may include a sound signal acquisition submodule 1601a (for example, Fig.17 The microphone in, or the sound signal collection submodule can be a microphone switch and a microphone) and a voiceprint recognition submodule 1601b (for example, Fig.17The voiceprint recognition chip in the voiceprint recognition module). The voice signal acquisition submodule 1601a can be used to receive voice commands; the voiceprint recognition submodule 1601b can be used to extract voiceprints from voice commands to obtain voiceprint features, and the biometric features can be voiceprint features.

[0217] Case 2:

[0218] The service processing instruction can be a voice instruction. Fig.18 As shown, the information acquisition module 1601 may include a sound signal acquisition submodule 1601a (for example, Fig.18 The microphone in the sound signal acquisition submodule may be a microphone switch and a microphone) and the biometric feature acquisition submodule 1601c (for example, Fig.18 The voice signal acquisition submodule 1601a can be used to receive voice commands; the biometric feature acquisition submodule 1601c can be used to receive biometric features (such as fingerprint features).

[0219] Case 3:

[0220] The service processing instruction may be a voice instruction, and the biometric feature may include a first biometric feature and a second biometric feature. Fig.19 As shown, the information acquisition module 1601 may include a sound signal acquisition submodule 1601a (for example, Fig.19 The microphone in, or the sound signal collection submodule can be a microphone switch and a microphone), a voiceprint recognition submodule 1601b (for example, Fig.19 The voiceprint recognition chip in the embodiment) and the biometric feature acquisition submodule 1601c (for example, Fig.18 The voice signal acquisition submodule 1601a can be used to receive voice commands; the voiceprint recognition submodule 1601b can be used to extract voiceprints from the voice commands to obtain a first biometric feature, which is a voiceprint feature; the biometric feature acquisition submodule 1601c can be used to receive a second biometric feature, which is a type of biometric feature other than a voiceprint feature.

[0221] Case 4:

[0222] like Fig. 20 As shown, the information acquisition module 1601 may include an instruction input submodule 1601d (for example, Fig. 20 ) and the biometrics acquisition submodule 1601c (e.g., Fig. 20 The instruction input submodule 1601d can be used to receive business processing instructions, which can include any of the following: text instructions, graphic instructions, digital instructions, symbol instructions, and gesture instructions; the biometric feature collection submodule 1601c can be used to receive biometric features.

[0223] It can be seen that the embodiments of the present application provide multiple structures of the information collection device. In the first structure of the information collection device (corresponding to the above-mentioned situation one), the biometric features can be directly extracted from the sound instructions, reducing the cost of collecting the biometric features separately; in the second structure of the information collection device (corresponding to the above-mentioned situation two), the biometric features are collected separately, which can avoid the problem that the sound instructions are recorded and played back. In the case where the sound instructions are recorded and played back, the comparison results of the voiceprint features are unreliable; in the third structure of the information collection device (corresponding to the above-mentioned situation three), multiple biometric features can be collected, which can improve the credibility of the biometric comparison results; in the fourth structure of the information collection device (corresponding to the above-mentioned situation four), the collection form of the business processing instructions is not limited to the sound form, and can better adapt to different users of the card object (for example, text instructions, graphic instructions, digital instructions, symbol instructions, and gesture instructions are more suitable for the deaf and dumb).

[0224] 2. Access control module 1602:

[0225] The access control module can be used to check the business processing information based on the business processing conditions in response to the card swiping operation performed on the card object on the card swiping device. The access control module can include at least one of the following submodules: a biometric feature comparison submodule and an instruction verification submodule. Fig.21 As shown, the access control module 1602 may include a biometric feature comparison submodule 1602a and an instruction verification submodule 1602b. Fig.21 As shown, the access control module may also include other control submodules 1602c.

[0226] Among them, the biometric feature comparison submodule may store input features, which can be used to compare the biometric features with the input features; in more detail, the biometric feature comparison submodule may also store feature comparison rules, and the biometric features can be compared with the input features according to the feature comparison rules. The instruction verification submodule may be used to verify the business processing instructions; in more detail, when the business processing instructions are sound instructions, the instruction verification submodule may include a voice recognition chip, and the instruction verification submodule may perform voice recognition processing on the sound instructions through the voice recognition chip to obtain the text corresponding to the sound instructions, and verify the text corresponding to the sound instructions. The business processing information satisfies the business processing conditions, and may include at least one of the following: the biometric features are consistent with the input features, and the business processing instructions meet the instruction conditions.

[0227] Furthermore, when the instruction verification submodule is used to verify the business processing instruction, it can be used to perform at least one of the following: comparing the operation key in the business processing instruction with the preset key; comparing the business operation information in the business processing instruction with the operation information of the card swiping operation; comparing the operation time interval with the interval threshold; verifying the payment resource amount in the business processing instruction. The business processing instruction meeting the instruction condition may include at least one of the following: the operation key is the same as the preset key, the business operation information matches the operation information of the card swiping operation, the operation time interval is within the interval threshold, and the payment resource amount meets the payment condition.

[0228] 3. Communication module 1603:

[0229] The communication module can be used to trigger the card swiping device to execute the service if the service processing information meets the service processing conditions. The communication module can specifically refer to a near field communication module, which can communicate with the card swiping device through a communication protocol. The communication protocol can include but is not limited to at least one of the following: 7816 protocol (a communication protocol for card objects), single-line protocol, and human-computer interaction protocol.

[0230] 4. Card data module 1604:

[0231] The card data module can be used to store payment credentials for card objects.

[0232] In an embodiment of the present application, business processing instructions and biometric features can be received through the information collection device in the card object; the biometric features can be verified by the biometric feature comparison submodule in the card object to verify whether the card swipeer and the owner of the card object are the same person, thereby improving the security of card swiping business operations; the operation key in the business processing instruction can be verified by the instruction verification submodule in the card object to verify whether the card swipeer and the owner of the card object are the same person; the business operation information in the business processing instruction can be verified by the instruction verification submodule in the card object to prevent replay attacks on the business processing instruction and improve the security of card swiping business operations; the time interval between the card swipeer inputting the business processing instruction and executing the card swiping operation is limited by the instruction verification submodule in the card object, thereby ensuring that the card object that has been maliciously obtained and has entered the business processing instruction cannot be used within a short period of time, thereby improving the security of card swiping business operations.

[0233] In order to facilitate better implementation of the above-mentioned business processing method of the embodiment of the present application, accordingly, the device of the embodiment of the present application is provided below.

[0234] See also Fig. 22 , Fig. 22It is a structural diagram of a business processing device provided in an embodiment of the present application. The business processing device can be set in the card object provided in the embodiment of the present application. Fig. 22 The service processing device shown may be a computer program running in a computer device, and the service processing device may be used to execute Figure 6 , Fig.13 or Fig.14 Some or all of the steps in the method embodiment shown. Fig. 22 , the service processing device may include the following units:

[0235] A receiving unit 2201 is used to receive business processing information input to a card object, where the business processing information includes a business processing instruction and a biometric feature, and the business processing instruction is used to indicate a business requested to be executed;

[0236] The processing unit 2202 is used to respond to the card swiping operation performed on the card object on the card swiping device, and if the business processing information meets the business processing conditions, trigger the card swiping device to execute the business.

[0237] In one implementation, the card object includes an information collection module; the receiving unit 2201 is used to receive the business processing information input to the card object, and is specifically used to perform the following steps:

[0238] Receive business processing information input into the information collection module in the card object.

[0239] In one implementation, the information collection module includes a sound signal collection submodule and a voiceprint recognition submodule, and the business processing instruction is a sound instruction; the receiving unit 2201 is used to receive the business processing information input to the information collection module in the card object, and is specifically used to perform the following steps:

[0240] Receiving a sound instruction input to a sound signal acquisition submodule in a card object;

[0241] The biometric feature is the voiceprint feature obtained by extracting the voiceprint of the voice command through the voiceprint recognition submodule.

[0242] In one implementation, the information collection module includes a sound signal collection submodule and a biometric feature collection submodule, and the business processing instruction is a sound instruction; the receiving unit 2201 is used to receive the business processing information input to the information collection module in the card object, and is specifically used to perform the following steps:

[0243] Receiving a sound instruction input to a sound signal acquisition submodule in a card object;

[0244] Receive biometrics input to the biometrics collection submodule in the card object.

[0245] In one implementation, the information collection module includes a sound signal collection submodule, a voiceprint recognition submodule and a biometric feature collection submodule, the business processing instruction is a sound instruction, and the biometric feature includes a first biometric feature and a second biometric feature; the receiving unit 2201 is used to receive the business processing information input to the information collection module in the card object, and is specifically used to perform the following steps:

[0246] Receive the voice command input to the voice signal acquisition submodule in the card object; the first biometric feature is the voiceprint feature obtained by extracting the voiceprint of the voice command through the voiceprint recognition submodule;

[0247] A second biometric feature input to a biometric feature collection submodule in the card object is received, where the second biometric feature is a type of biometric feature other than the voiceprint feature.

[0248] In one implementation, the receiving unit 2201 is used to receive the sound instruction input to the sound signal collection submodule in the card object, and is specifically used to perform the following steps:

[0249] The sound signal collection submodule includes a sound signal collection switch and a sound signal receiver; receives an on operation of the sound signal collection switch, and triggers receiving a sound instruction input to the sound signal receiver; receives an off operation of the sound signal collection switch, and triggers stopping receiving a sound instruction input to the sound signal receiver;

[0250] Alternatively, in response to a start collection signal input to the sound signal collection submodule, a sound instruction input to the sound signal collection submodule is received, and in response to a stop collection signal input to the sound signal collection submodule, receiving the sound instruction input to the sound signal collection submodule is stopped.

[0251] In one implementation, the information collection module includes an instruction input module and a biometric feature collection submodule; the receiving unit 2201 is used to receive the business processing information input to the information collection module in the card object, and is specifically used to perform the following steps:

[0252] Receiving a business processing instruction input into an instruction input module in a card object, the business processing instruction including at least one of the following: a text instruction, a graphic instruction, a symbol instruction, a digital instruction, and a gesture instruction;

[0253] Receive biometrics input to the biometrics collection submodule in the card object.

[0254] In one implementation, the business processing information satisfies the business processing condition, including at least one of the following:

[0255] The biometric feature meets the feature condition; the biometric feature meets the feature condition means that the biometric feature matches the input feature;

[0256] The business processing instruction meets the instruction condition.

[0257] In one implementation, the service processing instruction satisfies the instruction condition, including at least one of the following:

[0258] The operation key in the business processing instruction meets the key condition; the operation key meeting the key condition means that the operation key is the same as the preset key; the preset key is set in the management client of the card object; the operation key includes any of the following: a single-time valid key, a multi-time valid key, a short-term valid key, and a permanent valid key;

[0259] The business operation information in the business processing instruction satisfies the operation information condition; the business operation information satisfies the operation information condition means that the business operation information matches the operation information of the card swiping operation;

[0260] The operation time interval satisfies the time threshold condition; the operation time interval satisfies the time threshold condition means that the operation time interval is within the interval threshold, and the operation time interval refers to the time interval between the reception time of the business processing instruction and the card swiping time corresponding to the card swiping operation;

[0261] The payment resource amount in the business processing instruction meets the payment conditions.

[0262] In one implementation, the payment resource amount satisfies the payment condition including any one of the following:

[0263] The payment resource volume is the rated payment resource volume; the service payment resource volume corresponding to the service is less than or equal to the rated payment resource volume; the service payment resource volume refers to the resource volume required to execute the service;

[0264] The payment resource amount is the business payment resource amount corresponding to the business operation; the business payment resource amount is less than or equal to the remaining payment resource amount of the owner of the card object.

[0265] In one implementation, the service processing instruction includes a service type; the processing unit 2202 is used to trigger the card swiping device to execute the service, specifically to execute the following operations:

[0266] Trigger the card swiping device to execute the business corresponding to the business type;

[0267] The services include any of the following: payment service, access control service, and attendance service.

[0268] In one implementation, the processing unit 2202 is further configured to perform the following steps:

[0269] Perform resource recharge operations on the card object.

[0270] In one implementation, the processing unit 2202 is configured to perform a resource recharge operation on the card object, including any of the following:

[0271] In response to a card swiping operation performed on a card object on a card swiping device, triggering a management client of the card swiping device to perform a resource recharging operation on the card object;

[0272] In response to a card swiping operation performed on a card object on a card swiping device, a resource recharging operation is triggered to be performed on the card object in a management client of the card object.

[0273] In one implementation, the processing unit 2202 is further configured to perform the following steps:

[0274] Compare the biometric features with the recorded features;

[0275] If the biometric feature matches the input feature, it is determined that the business processing information meets the feature condition in the business processing condition.

[0276] In one implementation, the biometric feature includes feature values ​​under one or more biometric feature types, and the recorded feature includes the recorded value under each biometric feature type; the processing unit 2202 is used to compare the biometric feature with the recorded feature, specifically to perform the following steps:

[0277] Compare the feature value of each biometric feature type with the input value of the corresponding biometric feature type;

[0278] If the feature value under each biometric feature type matches the input value under the corresponding biometric feature type, it is determined that the biometric feature matches the input feature;

[0279] If the biometric feature is a voiceprint feature, the biometric feature types included in the voiceprint feature include any one or more of the following: spectrum feature, resonance peak, pitch, volume, and accent.

[0280] According to one embodiment of the present application, Fig. 22 The various units in the business processing device shown can be separately or completely combined into one or several other units to form, or one (some) of the units can be further divided into multiple smaller units in function to form, which can achieve the same operation without affecting the realization of the technical effects of the embodiments of the present application. The above-mentioned units are divided based on logical functions. In practical applications, the function of one unit can also be implemented by multiple units, or the functions of multiple units can be implemented by one unit. In other embodiments of the present application, the business processing device may also include other units. In practical applications, these functions can also be implemented with the assistance of other units, and can be implemented by the collaboration of multiple units.

[0281] According to another embodiment of the present application, the program can be executed by running on a general computing device such as a computer including a central processing unit (CPU), a random access memory medium (RAM), a read-only memory medium (ROM), and other processing elements and storage elements. Figure 6 , Fig.13 or Fig.14 A computer program for each step involved in part or all of the method shown in the figure is used to construct a computer program for each step involved in part or all of the method shown in the figure. Fig. 22 The business processing device shown in the embodiment of the present application is implemented by the business processing method of the embodiment of the present application. The computer program can be recorded on a computer-readable storage medium, for example, and loaded into the above-mentioned computing device through the computer-readable storage medium and run therein.

[0282] In the embodiment of the present application, the business processing information input into the card information may include business processing instructions and biometrics. The business processing instructions may be used to indicate the business requested to be executed. In response to the card swiping operation performed on the card object on the card swiping device, if the business processing information meets the business processing conditions, the card swiping device may be triggered to execute the business. It can be seen that in the embodiment of the present application, the business processing information (including business processing execution and biometrics) needs to meet the business processing conditions before the business can be executed. The biometrics can be used to confirm the identity of the card swiper. The collection of biometrics effectively avoids the problem of illegal card swiping operations on the card object after the card object is lost, thereby improving the security of business execution.

[0283] The embodiment of the present application also provides a computer program product, which includes a computer program stored in a computer-readable storage medium. The processor of the computer device reads the computer program from the computer-readable storage medium, and the processor executes the computer program, so that the computer device executes the above-mentioned business processing method.

[0284] Those of ordinary skill in the art will appreciate that the units and algorithm steps of each example described in conjunction with the embodiments disclosed in this application can be implemented in electronic hardware, or a combination of computer software and electronic hardware. Whether these functions are performed in hardware or software depends on the specific application and design constraints of the technical solution. Professional and technical personnel can use different methods to implement the described functions for each specific application, but such implementation should not be considered to be beyond the scope of this application.

[0285] In the embodiments of the present application, the term "module" or "unit" refers to a computer program or a part of a computer program with a predetermined function, and works together with other related parts to achieve a predetermined goal, and can be implemented in whole or in part by using software, hardware (such as processing circuits or memories) or a combination thereof. Similarly, a processor (or multiple processors or memories) can be used to implement one or more modules or units. In addition, each module or unit can be part of an overall module or unit that includes the function of the module or unit.

[0286] In the above embodiments, it can be implemented in whole or in part by software, hardware, firmware or any combination thereof. When implemented using software, it can be implemented in whole or in part in the form of a computer program product. The computer program product includes one or more computer instructions. When loading and executing computer program instructions on a computer, the process or function according to the embodiment of the present application is generated in whole or in part. The computer can be a general-purpose computer, a special-purpose computer, a computer network or other programmable device. The computer instructions can be stored in a computer-readable storage medium or transmitted by a computer-readable storage medium. The computer instructions can be transmitted from a website site, a computer, a server or a data center to another website site, a computer, a server or a data center by wired (e.g., coaxial cable, optical fiber, digital subscriber line (DSL)) or wireless (e.g., infrared, wireless, microwave, etc.) mode. The computer-readable storage medium can be any available medium that a computer can access or a data storage device such as a server, a data center, etc. that contains one or more available media integrated. The available medium can be a magnetic medium (e.g., a floppy disk, a hard disk, a tape), an optical medium (e.g., a DVD), or a semiconductor medium (e.g., a solid-state drive (SSD)), etc.

[0287] The above is only a specific implementation of the present application, but the protection scope of the present application is not limited thereto. Any person skilled in the art who is familiar with the present technical field can easily think of changes or substitutions within the technical scope disclosed in the present application, which should be included in the protection scope of the present application. Therefore, the protection scope of the present application should be based on the protection scope of the claims.

Claims

1. A business processing method, characterized in that: include: Receiving business processing information input to the card object, the business processing information including business processing instructions and biometrics, the business processing instructions being used to indicate a business requested to be executed; In response to a card swiping operation performed on the card object on a card swiping device; If the service processing information meets the service processing conditions, the card swiping device is triggered to execute the service.

2. The method according to claim 1, characterized in that The card object includes an information collection module; the receiving of business processing information input to the card object includes: Receive business processing information input to the information collection module in the card object.

3. The method according to claim 2, characterized in that The information collection module includes a sound signal collection submodule and a voiceprint recognition submodule, and the business processing instruction is a sound instruction; the receiving of business processing information input to the information collection module in the card object includes: Receiving a sound instruction input to a sound signal acquisition submodule in the card object; The biological feature is a voiceprint feature obtained by extracting the voiceprint of the voice instruction through the voiceprint recognition submodule.

4. The method according to claim 2, characterized in that The information collection module includes a sound signal collection submodule and a biometric feature collection submodule, and the business processing instruction is a sound instruction; the receiving of business processing information input to the information collection module in the card object includes: Receiving a sound instruction input to a sound signal acquisition submodule in the card object; Receive the biometrics input into the biometrics collection submodule in the card object.

5. The method according to claim 2, characterized in that The information collection module includes a sound signal collection submodule, a voiceprint recognition submodule and a biometric feature collection submodule, the business processing instruction is a sound instruction, and the biometric feature includes a first biometric feature and a second biometric feature; The receiving of the business processing information input to the information collection module in the card object includes: receiving a voice command input to the voice signal acquisition submodule in the card object; the first biometric feature is a voiceprint feature obtained by extracting the voiceprint of the voice command by the voiceprint recognition submodule; A second biometric feature input into a biometric feature collection submodule in the card object is received, where the second biometric feature is a type of biometric feature other than the voiceprint feature.

6. The method according to any one of claims 3 to 5, characterized in that: The receiving of the sound instruction input to the sound signal acquisition submodule in the card object includes: The sound signal collection submodule includes a sound signal collection switch and a sound signal receiver; receiving an on operation of the sound signal collection switch, and triggering to receive a sound instruction input to the sound signal receiver; receiving an off operation of the sound signal collection switch, and triggering to stop receiving a sound instruction input to the sound signal receiver; or, In response to a start collection signal input to the sound signal collection submodule, a sound instruction input to the sound signal collection submodule is received; in response to a stop collection signal input to the sound signal collection submodule, receiving of the sound instruction input to the sound signal collection submodule is stopped.

7. The method according to claim 2, characterized in that The information collection module includes an instruction input module and a biometric feature collection submodule; The receiving of the business processing information input to the information collection module in the card object includes: Receiving a business processing instruction input into the instruction input module in the card object, the business processing instruction comprising at least one of the following: a text instruction, a graphic instruction, a symbol instruction, a digital instruction, and a gesture instruction; Receive the biometrics input into the biometrics collection submodule in the card object.

8. The method according to claim 1 or 2, characterized in that: The business processing information satisfies the business processing conditions, including at least one of the following: The biometric feature satisfies the feature condition; the biometric feature satisfies the feature condition means that the biometric feature matches the input feature; The business processing instruction meets the instruction condition.

9. The method according to claim 8, characterized in that The business processing instruction satisfies the instruction conditions, including at least one of the following: The operation key in the business processing instruction satisfies the key condition; the operation key satisfies the key condition means that the operation key is the same as the preset key; the preset key is set in the management client of the card object; the operation key includes any one of the following: a single-time valid key, a multi-time valid key, a short-term valid key, and a permanent valid key; The business operation information in the business processing instruction satisfies the operation information condition; the business operation information satisfies the operation information condition means that the business operation information matches the operation information of the card swiping operation; The operation time interval satisfies the time threshold condition; the operation time interval satisfies the time threshold condition means that the operation time interval is within the interval threshold, and the operation time interval refers to the time interval between the reception time of the business processing instruction and the card swiping time corresponding to the card swiping operation; The payment resource amount in the business processing instruction meets the payment condition.

10. The method according to claim 9, characterized in that The payment resource amount meets the payment conditions including any of the following: The payment resource amount is the rated payment resource amount; the service payment resource amount corresponding to the service is less than or equal to the rated payment resource amount; the service payment resource amount refers to the amount of resources required to pay for executing the service; The payment resource amount is the business payment resource amount corresponding to the business operation; the business payment resource amount is less than or equal to the remaining payment resource amount of the owner of the card object.

11. The method according to claim 1 or 2, characterized in that: The service processing instruction includes a service type; and the triggering of the card swiping device to execute the service includes: Triggering the card swiping device to execute the service corresponding to the service type; The service includes any of the following: payment service, access control service, and attendance service.

12. The method according to claim 1 or 2, characterized in that: The method further comprises: Perform a resource recharge operation on the card object.

13. The method according to claim 12, characterized in that The performing of a resource recharge operation on the card object includes any of the following: In response to a card swiping operation performed on the card object on the card swiping device, triggering a management client on the card swiping device to perform a resource recharging operation on the card object; In response to a card swiping operation performed on the card object on the card swiping device, a resource recharging operation is triggered to be performed on the card object in the management client of the card object.

14. The method according to claim 1 or 2, characterized in that: The method further comprises: Comparing the biometric features with the recorded features; If the biometric feature matches the input feature, it is determined that the business processing information satisfies the feature condition in the business processing condition.

15. The method according to claim 14, characterized in that The biometric feature includes feature values ​​of one or more biometric feature types, and the recorded feature includes recorded values ​​of each biometric feature type; and comparing the biometric feature with the recorded feature includes: Compare the feature value of each biometric feature type with the input value of the corresponding biometric feature type; If the feature value under each biometric feature type matches the input value under the corresponding biometric feature type, it is determined that the biometric feature matches the input feature; If the biometric feature is a voiceprint feature, the biometric feature types included in the voiceprint feature include any one or more of the following: spectrum feature, resonance peak, pitch, volume, and accent.

16. A card object, characterized in that: include: An information collection module, used to receive business processing information input to the card object, the business processing information includes business processing instructions and biometrics, the business processing instructions are used to indicate the business requested to be executed; An access control module, configured to check the business processing information based on a business processing condition in response to a card swiping operation performed on the card object on a card swiping device; The communication module is used to trigger the card swiping device to execute the service if the service processing information meets the service processing conditions.

17. The card object according to claim 16, characterized in that: The information collection module includes a sound signal collection submodule and a voiceprint recognition submodule; the business processing instruction is a sound instruction; The sound signal acquisition submodule is used to receive the sound command; The voiceprint recognition submodule is used to extract the voiceprint of the voice instruction to obtain a voiceprint feature, and the biometric feature is the voiceprint feature.

18. The card object according to claim 16, characterized in that: The information collection module includes a sound signal collection submodule and a biometric feature collection submodule; the business processing instruction is a sound instruction; The sound signal acquisition submodule is used to receive the sound command; The biometric feature collection submodule is used to receive the biometric feature.

19. The card object according to claim 16, characterized in that: The information collection module includes a sound signal collection submodule, a voiceprint recognition submodule and a biometric feature collection submodule; the business processing instruction is a sound instruction, and the biometric feature includes a first biometric feature and a second biometric feature; The sound signal acquisition submodule is used to receive the sound command; The voiceprint recognition submodule is used to extract the voiceprint of the voice instruction to obtain the first biological feature, where the first biological feature is a voiceprint feature; The biometric feature collection submodule is used to receive the second biometric feature, where the second biometric feature is a type of biometric feature other than the voiceprint feature.

20. The card object according to claim 16, characterized in that: The information collection module includes an instruction input submodule and a biometric feature collection submodule; The instruction input submodule is used to receive the business processing instruction, and the business processing instruction includes any one of the following: a text instruction, a graphic instruction, a digital instruction, a symbol instruction, and a gesture instruction; The biometric feature collection submodule is used to receive the biometric feature.

21. The card object according to claim 16, characterized in that: The access control module includes at least one of the following submodules: a biometric feature comparison submodule and an instruction verification submodule; The biometric feature comparison submodule is used to compare the biometric feature with the input feature; The instruction verification submodule is used to verify the business processing instruction; The business processing information satisfies the business processing condition, including at least one of the following: the biometric feature is consistent with the input feature, and the business processing instruction satisfies the instruction condition.

22. The card object according to claim 21, characterized in that: The instruction verification submodule is used to verify the business processing instruction and to perform at least one of the following: Comparing the operation key in the service processing instruction with the preset key; Comparing the business operation information in the business processing instruction with the operation information of the card swiping operation; Comparing the operation time interval with the interval threshold; the operation time interval refers to the time interval between the reception time of the business processing instruction and the operation time corresponding to the card swiping operation; Verifying the amount of payment resources in the business processing instruction; The business processing instruction satisfies the instruction condition including at least one of the following: the operation key is the same as the preset key, the business operation information matches the operation information of the card swiping operation, the operation time interval is within the interval threshold, and the payment resource amount satisfies the payment resource condition.

23. A service processing device, characterized in that: include: A receiving unit, used to receive business processing information input to the card object, wherein the business processing information includes a business processing instruction and a biometric feature, and the business processing instruction is used to indicate the business requested to be executed; The processing unit is used to respond to the card swiping operation performed on the card object on the card swiping device, and if the business processing information meets the business processing conditions, trigger the card swiping device to execute the business.

24. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores a computer program, and the computer program is suitable for being loaded by a processor and executing the business processing method according to any one of claims 1 to 15.

25. A computer program product, characterized in that The computer program product comprises a computer program, and when the computer program is executed by a processor, the service processing method according to any one of claims 1 to 15 is implemented.

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