Medium-free transaction authentication system and method

Abstract

The invention discloses a medium-free transaction authentication system and method, and the system comprises a 3D structured light camera module which is used for supporting the precise capture in a viewing angle range of + / -30 degrees; the living body detection unit is used for integrating blink, head shaking and mouth opening triple verification; the cross-age face recognition algorithm is used for processing appearance change scenes for more than 5 years; the access permission block chain evidence is used for supporting permission change tracing; the dual-mode authentication fusion module is used for supporting face and fingerprint mixed verification; according to the method, the cross-age identification accuracy can be improved, and accurate authentication of the appearance change of 15 years at most is supported; the comprehensive false rejection rate of living body detection is low, the transaction success rate is improved through dual-mode authentication fusion, and the response time is shortened; an abnormal transaction interception mechanism reduces the fraud loss rate; the federated learning mechanism reduces the risk of user privacy disclosure when the model is updated; the method supports transverse expansion, is high in daily average processing capability, and provides a complete biological characteristic life cycle management function.

Description

Technical Field

[0001] The present invention relates to the technical field of self-service terminals, and in particular to a medium-free transaction authentication system and method. Background Art

[0002] Traditional self-service terminals rely on physical media such as magnetic cards / QR codes, which pose risks of loss, forgery, and theft. Existing facial recognition systems are affected by factors such as lighting, posture, and occlusion, with a rejection rate of 18%-25%. Liveness detection based on monocular cameras is easily cracked by attacks using high-definition photos / videos, and lacks security. The plaintext storage of transaction data leads to the risk of privacy leakage, making it difficult to meet regulatory requirements such as GDPR. Summary of the Invention

[0003] The object of the present invention is to provide a medium-free transaction authentication system and method to address the above-mentioned problems in the prior art, thereby solving all or one of the above-mentioned problems in the prior art.

[0004] In order to solve the above technical problems, the specific technical solutions of the present invention are as follows: In one aspect, the present invention provides a medium-free transaction authentication system, comprising: 3D structured light camera module, used to support accurate capture within a ±30° viewing angle; Liveness detection unit, used to integrate triple verification of blinking, shaking head, and opening mouth; Cross-age face recognition algorithm, used to handle scenarios where appearance changes over more than 5 years; Blockchain evidence of access rights is used to support the traceability of permission changes; Dual-mode authentication fusion module, used to support mixed face and fingerprint verification.

[0005] As an improved solution, the liveness detection unit is further used to: use optical flow analysis to detect the authenticity of facial micro-expressions; use infrared thermal imaging technology to eliminate planar image attacks; and use dynamic challenge response to require users to complete randomly specified actions.

[0006] As an improved solution, the cross-age recognition algorithm includes: Generative adversarial networks, used to generate simulated portraits after age transfer; Temporal feature alignment module, used to eliminate feature offset caused by aging; Multi-scale feature fusion module is used to combine local features with global contour information.

[0007] As an improved solution, the blockchain evidence storage unit is also used to: automatically record operation hash values; distinguish between the roles of administrators, operators and auditors; and use the national secret SM2 signature algorithm for data encryption and transmission.

[0008] As an improved solution, the dual-mode authentication fusion module is also used to: use a weighted fusion algorithm to define face weights and fingerprint weights; use a fault switching mechanism to automatically enable a backup channel when any module fails; and use an authentication failure self-learning strategy to continuously optimize threshold parameters.

[0009] On the other hand, the present invention also provides a medium-free transaction authentication method, comprising the following steps: Collect user's facial depth information through 3D structured light camera; Combined with infrared thermal imaging for liveness detection to exclude non-biological attacks; Extracting robust biometric features from cross-age face recognition models; Blockchain nodes verify the validity of user permissions; The dual-mode authentication fusion module generates a comprehensive trust score; Trigger transaction instructions and encrypt and transmit them to the backend system; Return transaction results and update blockchain evidence; Generate biometric authentication audit reports regularly; Update the global biometric model through federated learning; The sound and light alarm device is activated when an abnormal transaction is triggered.

[0010] As an improved solution, the cross-age recognition algorithm includes: age-invariant feature extraction based on triplet loss; strengthening the weights of key facial areas based on the temporal attention mechanism; and eliminating feature deviations under different lighting conditions based on domain adaptation technology.

[0011] As an improved solution, the blockchain evidence storage includes: anchoring the hash value of the permission change event to the main chain; associating the transaction flow with the zero-knowledge proof of biometric data; and desensitizing and storing sensitive data that supports the national encryption SM4 algorithm.

[0012] As an improved solution, the dual-mode authentication fusion module adopts a dynamic weight allocation strategy to adjust the modal weight according to the environmental noise; adopts a fault injection test mechanism to verify the reliability of the backup channel; and adopts a user behavior portrait library to record historical authentication trajectories.

[0013] As an improved solution, the abnormal transaction response includes: using voiceprint mutation detection to identify the voice characteristics of non-personal operations; using operation trajectory deviation analysis to detect abnormal operation patterns; and intercepting high-risk transactions in real time and triggering manual review.

[0014] The beneficial effects of the technical solution of the present invention are: 1. The media-free transaction authentication system described in the present invention can achieve improved cross-age recognition accuracy through the mutual cooperation of system modules, supporting accurate authentication of facial changes of up to 15 years; the overall false rejection rate of liveness detection is low, and the fusion of dual-mode authentication increases transaction success rate and shortens response time; the abnormal transaction interception mechanism reduces the fraud loss rate; the federated learning mechanism reduces the risk of user privacy leakage during model updates; it supports horizontal expansion, has a high average daily processing capacity, and provides complete biometric lifecycle management functions.

[0015] 2. The medium-free transaction authentication method of the present invention can call system modules in an orderly manner, thereby realizing the system logic of the medium-free transaction authentication system of the present invention. BRIEF DESCRIPTION OF THE DRAWINGS

[0016] In order to more clearly illustrate the specific embodiments of the present invention or the technical solutions in the prior art, the following briefly introduces the drawings required for use in the specific embodiments or the description of the prior art. Obviously, the drawings described below are some embodiments of the present invention. For ordinary technicians in this field, other drawings can be obtained based on these drawings without paying any creative work.

[0017] Figure 1 Schematic diagram of the architecture of the medium-free transaction authentication system according to Example 1 of the present invention; Figure 2 This is a flowchart of the medium-free transaction authentication method described in Example 2 of the present invention. DETAILED DESCRIPTION

[0018] The preferred embodiments of the present invention are described in detail below with reference to the accompanying drawings so that the advantages and features of the present invention can be more easily understood by those skilled in the art, thereby making a clearer and more precise definition of the protection scope of the present invention.

[0019] In the description of the present invention, it should be noted that the embodiments described in the present invention are only part of the embodiments of the present invention, rather than all of the embodiments; based on the embodiments of the present invention, all other embodiments obtained by ordinary technicians in this field without making any creative work are within the scope of protection of the present invention.

[0020] The terms "first," "second," and the like in the specification and claims herein and in the accompanying drawings are used to distinguish similar objects and are not necessarily used to describe a particular order or precedence. It should be understood that the terms used in this manner are interchangeable where appropriate so that the embodiments of the present invention described herein can be implemented in orders other than those illustrated or described herein. In addition, the terms "including" and "having," and any variations thereof, are intended to cover non-exclusive inclusions. For example, a process, method, apparatus, product, or device comprising a series of steps or units is not necessarily limited to those steps or units explicitly listed, but may include other steps or units not explicitly listed or inherent to such process, method, product, or device. Example 1

[0021] This embodiment provides a medium-free transaction authentication system. Figure 1 As shown, including: 3D structured light camera module, used to support accurate capture within a ±30° viewing angle; Liveness detection unit, used to integrate triple verification of blinking, shaking head, and opening mouth; Cross-age face recognition algorithm, used to handle scenarios where appearance changes over more than 5 years; Blockchain evidence of access rights is used to support the traceability of permission changes; Dual-mode authentication fusion module, used to support mixed face and fingerprint verification.

[0022] As an improved solution, the liveness detection unit is further used to: use optical flow analysis to detect the authenticity of facial micro-expressions; use infrared thermal imaging technology to eliminate planar image attacks; and use dynamic challenge response to require users to complete randomly specified actions.

[0023] As an improved solution, the cross-age recognition algorithm includes: Generative adversarial networks, used to generate simulated portraits after age transfer; Temporal feature alignment module, used to eliminate feature offset caused by aging; Multi-scale feature fusion module is used to combine local features with global contour information.

[0024] As an improved solution, the blockchain evidence storage unit is also used to: automatically record operation hash values; distinguish between the roles of administrators, operators and auditors; and use the national secret SM2 signature algorithm for data encryption and transmission.

[0025] As an improved solution, the dual-mode authentication fusion module is also used to: use a weighted fusion algorithm to define face weights and fingerprint weights; use a fault switching mechanism to automatically enable a backup channel when any module fails; and use an authentication failure self-learning strategy to continuously optimize threshold parameters.

[0026] It should be noted that the examples herein are only for explaining the present invention and are not intended to limit the scope of protection of the present invention. Example 2

[0027] This embodiment is based on the same inventive concept as the medium-free transaction authentication system described in Example 1, and provides a medium-free transaction authentication method. Figure 2 As shown, the following steps are included: Collect user's facial depth information through 3D structured light camera; Combined with infrared thermal imaging for liveness detection to exclude non-biological attacks; Extracting robust biometric features from cross-age face recognition models; Blockchain nodes verify the validity of user permissions; The dual-mode authentication fusion module generates a comprehensive trust score; Trigger transaction instructions and encrypt and transmit them to the backend system; Return transaction results and update blockchain evidence; Generate biometric authentication audit reports regularly; Update the global biometric model through federated learning; The sound and light alarm device is activated when an abnormal transaction is triggered.

[0028] As an improved solution, the cross-age recognition algorithm includes: age-invariant feature extraction based on triplet loss; strengthening the weights of key facial areas based on the temporal attention mechanism; and eliminating feature deviations under different lighting conditions based on domain adaptation technology.

[0029] As an improved solution, the blockchain evidence storage includes: anchoring the hash value of the permission change event to the main chain; associating the transaction flow with the zero-knowledge proof of biometric data; and desensitizing and storing sensitive data that supports the national encryption SM4 algorithm.

[0030] As an improved solution, the dual-mode authentication fusion module adopts a dynamic weight allocation strategy to adjust the modal weight according to the environmental noise; adopts a fault injection test mechanism to verify the reliability of the backup channel; and adopts a user behavior portrait library to record historical authentication trajectories.

[0031] As an improved solution, the abnormal transaction response includes: using voiceprint mutation detection to identify the voice characteristics of non-personal operations; using operation trajectory deviation analysis to detect abnormal operation patterns; and intercepting high-risk transactions in real time and triggering manual review.

[0032] It should be understood that in the various embodiments of this document, the size of the serial numbers of the above-mentioned processes does not mean the order of execution. The execution order of each process should be determined by its function and internal logic, and should not constitute any limitation on the implementation process of the embodiments of this document.

[0033] It should also be understood that in the embodiments herein, the term "and / or" merely describes an association between associated objects, indicating that three possible relationships exist. For example, "A and / or B" could represent: A alone, A and B simultaneously, or B alone. Furthermore, the character " / " in this document generally indicates an "or" relationship between the associated objects.

[0034] Those skilled in the art will appreciate that the units and algorithm steps of each example described in conjunction with the embodiments disclosed herein can be implemented in electronic hardware, computer software, or a combination of the two. In order to clearly illustrate the interchangeability of hardware and software, the above description has generally described the composition and steps of each example according to function. 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 beyond the scope of this document.

[0035] Those skilled in the art will clearly understand that, for the sake of convenience and brevity of description, the specific logical process of the method described above can refer to the corresponding working processes of the systems, devices and units in the aforementioned method embodiments, and will not be repeated here.

[0036] In the several embodiments provided herein, it should be understood that the disclosed systems, devices, and methods can be implemented in other ways. For example, the device embodiments described above are merely illustrative. For example, the division of the units is merely a logical function division. In actual implementation, there may be other division methods, such as multiple units or components can be combined or integrated into another system, or some features can be ignored or not executed. In addition, the mutual coupling or direct coupling or communication connection shown or discussed can be an indirect coupling or communication connection through some interfaces, devices, or units, or can be an electrical, mechanical, or other form of connection.

[0037] The units described as separate components may or may not be physically separate, and the components shown as units may or may not be physical units, that is, they may be located in one place or distributed across multiple network units. Some or all of the units may be selected according to actual needs to achieve the purpose of the embodiments herein.

[0038] In addition, the functional units in the various embodiments herein may be integrated into a single processing unit, each unit may exist physically separately, or two or more units may be integrated into a single unit. The aforementioned integrated units may be implemented in the form of hardware or software functional units.

[0039] If the integrated unit is implemented in the form of a software functional unit and sold or used as an independent product, it can be stored in a computer-readable storage medium. Based on this understanding, the technical solution of this article is essentially or the part that contributes to the existing technology, or all or part of the technical solution can be embodied in the form of a software product, which is stored in a storage medium and includes several instructions for enabling a computer device (which can be a personal computer, server, or network device, etc.) to execute all or part of the steps of the method described in each embodiment of this article. The aforementioned storage medium includes: various media that can store program code, such as a USB flash drive, a mobile hard disk, a read-only memory (ROM), a random access memory (RAM), a magnetic disk or an optical disk.

[0040] The above descriptions are merely embodiments of the present invention and are not intended to limit the patent scope of the present invention. Any equivalent structure or equivalent process transformation made using the contents of the present invention's description and drawings, or directly or indirectly applied in other related technical fields, are also included in the patent protection scope of the present invention.

Claims

1. A medium-free transaction authentication system, characterized in that: include: 3D structured light camera module, used to support accurate capture within a ±30° viewing angle; Liveness detection unit, used to integrate triple verification of blinking, shaking head, and opening mouth; Cross-age face recognition algorithm, used to handle scenarios where appearance changes over more than 5 years; Blockchain evidence of access rights is used to support the traceability of permission changes; Dual-mode authentication fusion module, used to support mixed face and fingerprint verification.

2. The medium-free transaction authentication system according to claim 1, characterized in that: The liveness detection unit is further used to: use optical flow analysis to detect the authenticity of facial micro-expressions; use infrared thermal imaging technology to eliminate plane image attacks; and use dynamic challenge response to require users to complete randomly specified actions.

3. The medium-free transaction authentication system according to claim 1, wherein: The cross-age recognition algorithm includes: Generative adversarial networks, used to generate simulated portraits after age transfer; Temporal feature alignment module, used to eliminate feature offset caused by aging; Multi-scale feature fusion module is used to combine local features with global contour information.

4. The medium-free transaction authentication system according to claim 1, wherein: The blockchain evidence storage unit is also used to: automatically record operation hash values; distinguish between the roles of administrators, operators and auditors; and use the national secret SM2 signature algorithm for data encryption and transmission.

5. The medium-free transaction authentication system according to claim 1, characterized in that: The dual-mode authentication fusion module is also used to: use a weighted fusion algorithm to define face weights and fingerprint weights; use a fault switching mechanism to automatically enable a backup channel when any module fails; and use an authentication failure self-learning strategy to continuously optimize threshold parameters.

6. A medium-free transaction authentication method, characterized in that: The following steps are involved: The user's facial depth information is collected through a 3D structured light camera; infrared thermal imaging is combined with liveness detection to eliminate non-biological attacks; Extracting robust biometric features from cross-age face recognition models; The blockchain node verifies the validity of user permissions; the dual-mode authentication fusion module generates a comprehensive trust score; triggers transaction instructions and transmits them encrypted to the backend system; returns transaction results and updates blockchain evidence; Generate biometric authentication audit reports regularly; update the global biometric model through federated learning; activate the sound and light alarm device when abnormal transactions are triggered.

7. The medium-free transaction authentication method according to claim 6, characterized in that: The cross-age recognition algorithm includes: age-invariant feature extraction based on triplet loss; strengthening the weights of key facial areas based on a temporal attention mechanism; and eliminating feature deviations under different lighting conditions based on domain adaptation technology.

8. The medium-free transaction authentication method according to claim 6, wherein: The blockchain evidence storage includes: anchoring the hash value of the permission change event to the main chain; associating the transaction flow with the zero-knowledge proof of biometric data; and desensitizing and storing sensitive data that supports the national encryption SM4 algorithm.

9. The medium-free transaction authentication method according to claim 6, wherein: The dual-mode authentication fusion module adopts a dynamic weight allocation strategy to adjust the modal weight according to the environmental noise; adopts a fault injection test mechanism to verify the reliability of the backup channel; and adopts a user behavior portrait library to record historical authentication trajectories.

10. The medium-free transaction authentication method according to claim 6, characterized in that: The abnormal transaction response includes: using voiceprint mutation detection to identify the characteristics of non-personal operation voices; using operation trajectory deviation analysis to detect abnormal operation patterns; and intercepting high-risk transactions in real time and triggering manual review.

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