CN106296185A - A kind of high-security mobile payment terminal being combined circumstantial evidence based on biological characteristic - Google Patents

Abstract

The present invention relates to a high-security mobile payment terminal based on biometric compound circumstantial evidence. In recent years, mobile payment has developed rapidly. Although a certain biometric identity verification has improved security, it still cannot meet the needs of small payments at the same time. It is suitable for users who have relatively high requirements for mobile payment security, and it is flexible and easy to use. It can flexibly use various mobile payment methods according to the payment amount, so it is also suitable for ordinary mobile payment users. Including microprocessor module, NFC module, PROM and encrypted biometric verification module, fingerprint feature collection module, ECG feature collection module, camera and facial feature capture module, digital signal processing module, human-computer interaction module, mobile communication module, positioning Module, power module, capacitive screen, button (on/off), USB interface, power interface, camera, LED light source, non-slip back cover, fingerprint button, ECG signal acquisition electrode.

Description

A high-security mobile payment terminal based on biometric compound circumstantial evidence

Technical field

The invention relates to a high-security mobile payment terminal based on biometric composite circumstantial evidence.

Background technique

In recent years, mobile payment has developed rapidly, but there are still some problems such as terminal loss, false use, too small payment amount, and low security level. Although the simple use of a certain biometric identity verification has improved security, It is still unable to meet the needs of small, medium, and large mobile payments at the same time, and there is an urgent need for a high-security mobile payment terminal based on biometric composite circumstantial evidence to improve mobile payment security and user trust without compromising user experience. .

Contents of the invention

The technical problem to be solved by the present invention is to provide a high-security mobile payment terminal based on biometric composite circumstantial evidence, which is suitable for users who have relatively high requirements for mobile payment security, and is flexible and easy to use, and can be flexibly used according to the payment amount. It is a mobile payment method, so it is also suitable for ordinary mobile payment users.

The solution of the present invention to solve the above-mentioned technical problems is as follows: a high-security mobile payment terminal based on biometric composite circumstantial evidence; including a microprocessor module (1), an NFC module (2), a PROM and an encrypted biometric verification module (3) , fingerprint feature collection module (4), ECG feature collection module (5), camera and facial feature capture module (6), digital signal processing module (7), human-computer interaction module (8), mobile communication module (9) , positioning module (10), power module (11), capacitive screen (12), button (on/off) (13), USB interface (14), power interface (15), camera (16), LED light source (17) ), non-slip back cover (18), fingerprint button (19), ECG signal collection electrodes (20)

Described microprocessor module (1), is at core, connects following all modules: NFC module (2), PROM and encrypted biometric verification module (3), fingerprint feature acquisition module (4), electrocardiographic feature acquisition module ( 5), camera and facial feature capture module (6), digital signal processing module (7), human-computer interaction module (8), mobile communication module (9), positioning module (10), power supply module (11).

On the basis of the above technical solutions, the present invention can also be improved as follows.

Further, the ECG feature acquisition module (5) includes ECG signal acquisition electrodes (20), which can detect and collect real-time ECG signals of users, and send the collected signals to the digital signal processing module (7) .

The digital signal processing module (7) starts after the fingerprint feature collection module collects the fingerprint of the terminal owner, amplifies, filters, and A/D converts the signal sent by the electrocardiographic feature collection module (5) to obtain heart rate and The dynamic waveform signal is verified with the stored heart rate and dynamic waveform signal characteristics of the owner in the PROM and the encrypted biometric verification module (3). If it does not match, the mobile payment process will be suspended, and if it matches, a confirmation message will be sent.

Described fingerprint feature collection module (4), contains fingerprint button (19), is made up of fingerprint sensor, sapphire panel, silver ring-shaped cover plate, temperature sensor, starts when meeting the following two conditions at the same time namely camera and face The feature capture module (6) successfully recognizes and verifies the facial features of the terminal owner, and the temperature sensor senses the temperature of the user's finger and confirms that the temperature is stable at 37 degrees (plus or minus 5 degrees), collects the user's fingerprint data, and stops the movement if it does not match Payment process, if match will send confirmation message.

The described camera and facial feature capture module (6) can automatically capture the specific dynamic facial features of the user and send them to the PROM and the encrypted biometric verification module (3), and the PROM and the encrypted biometric verification module (3) can transfer their internal The encrypted and stored facial features of the terminal owner are compared with them. If they do not match, the mobile payment process will be terminated. If they match, an encrypted confirmation message will be sent.

Described PROM and encrypted biological feature verification module (3), it receives fingerprint feature acquisition module (4), ECG feature acquisition module (5), camera and facial feature capture module (6), digital signal processing module (7) The information sent is compared with the biometrics of the terminal owner that is written once and cannot be modified in its internal encrypted storage. Since the biological characteristics of the terminal owner are all written once and cannot be modified, it prevents illegal users from modifying and bypassing verification. Possibility, if there is no match, the mobile payment process will be aborted, and if there is a match, an encrypted confirmation message will be sent.

The NFC module (2), when the payment amount is less than the default value MIN of the terminal owner, can pay without biometric circumstantial evidence verification, and when the payment amount is greater than the preset value MIN of the terminal owner but less than the preset value MAX, it can The circumstantial evidence verification of a certain biometric feature must be carried out. When the payment amount is greater than the preset value MAX, the biometric compound circumstantial evidence verification must be carried out.

Compared with the prior art, the embodiment of the present invention has the following innovations. When the payment amount is less than the terminal owner's preset value MIN, payment can be made without biometric circumstantial evidence verification; when the payment amount is greater than the terminal owner's preset value MIN but less than the preset value At MAX, circumstantial verification of a certain biometric feature can be performed according to the preset value. When the payment amount is greater than the preset value MAX, biometric compound circumstantial verification must be performed; small payment is convenient and fast without verification, and medium payment Safety and convenience are both safe and convenient; the identity verification process for large-amount payments is interlocking and needs to be activated by specific dynamic facial expressions of the end user, and then the temperature of the user's finger is required to confirm that the temperature is stable at 37 degrees (plus or minus 5 degrees), and the user is collected Fingerprint data, the ECG feature acquisition module (5) and digital signal processing module (7) can be activated only after the verification is passed, and the heart rate and dynamic waveform signal are obtained and compared with the heart rate stored by the terminal owner in the PROM and encrypted biometric verification module (3) and dynamic waveform signal feature verification, if they do not match, the mobile payment process will be suspended, and if they match, a confirmation message will be sent, which effectively avoids the security problems when the terminal user is unconscious, has no vital signs, and fingerprints are stolen, and solves problems such as terminal loss and impersonation. The problems of low usage, small payment amount, and low security level also solve the problem that simple use of a certain type of biometric identity verification can improve security but still cannot meet small, medium, and large-amount mobile payments at the same time. It is necessary to improve mobile payment security and user trust without compromising user experience.

Description of drawings

FIG. 1 is a schematic diagram of a high-security mobile payment terminal module based on biometric composite circumstantial evidence according to the present invention.

Fig. 2 is a front view of a high-security mobile payment terminal based on biometric composite circumstantial evidence according to the present invention.

Fig. 3 is a rear view of a high-security mobile payment terminal based on biometric composite circumstantial evidence according to the present invention.

Fig. 4 is a side view of a high-security mobile payment terminal based on biometric composite circumstantial evidence according to the present invention.

In the accompanying drawings, the modules and components represented by each label are listed as follows:

1. Microprocessor module, 2. NFC module, 3. PROM and encrypted biometric verification module, 4. Fingerprint feature collection module, 5. ECG feature collection module, 6. Camera and facial feature capture module, 7. Digital signal Processing module, 8. Human-computer interaction module, 9. Mobile communication module, 10. Positioning module, 11. Power module, 12. Capacitive screen, 13. Button (on/off), 14. USB interface, 15. Power interface , 16. Camera, 17. LED light source, 18. Non-slip back cover, 19. Fingerprint button, 20. ECG signal acquisition electrode

detailed description

The principles and features of the present invention will be further described below in conjunction with the accompanying drawings of the embodiments. The examples given are only used to explain the present invention, and are not intended to limit the scope of the present invention.

As shown in Figures 1, 2, 3, and 4, this embodiment relates to a high-security mobile payment terminal based on biometric compound circumstantial evidence, including a microprocessor module (1), an NFC module (2), a PROM, and an encrypted biometric Feature verification module (3), fingerprint feature collection module (4), ECG feature collection module (5), camera and facial feature capture module (6), digital signal processing module (7), human-computer interaction module (8), Mobile communication module (9), positioning module (10), power module (11), capacitive screen (12), button (on/off) (13), USB interface (14), power interface (15), camera (16) ), LED light source (17), non-slip back cover (18), fingerprint button (19), ECG signal collection electrode (20)

As shown in Fig. 1, 2, 3, 4, in the present embodiment, described microprocessor module (1), is at core, connects following all modules: NFC module (2), PROM and encryption biometric verification module ( 3), fingerprint feature collection module (4), ECG feature collection module (5), camera and facial feature capture module (6), digital signal processing module (7), human-computer interaction module (8), mobile communication module ( 9), positioning module (10), power supply module (11).

In this embodiment, the electrocardiographic feature collection module (5) includes electrocardiographic signal collection electrodes (20), which can detect and collect real-time electrocardiographic signals of users, and send the collected signals to the digital signal processing module (7).

In this embodiment, the digital signal processing module (7) starts after the fingerprint feature collection module collects the fingerprint of the terminal owner, and amplifies, filters, and A/D the signal sent by the ECG feature collection module (5). Convert to obtain the heart rate and dynamic waveform signal, and verify with the heart rate and dynamic waveform signal characteristics stored by the owner in the PROM and encrypted biometric verification module (3), if they do not match, the mobile payment process will be terminated, and if they match, a confirmation message will be sent .

In this embodiment, the fingerprint feature collection module (4) includes a fingerprint button (19), and is composed of a fingerprint sensor, a sapphire panel, a silver ring cover plate, and a temperature sensor. When the following two conditions are met at the same time Start the camera and facial feature capture module (6) to successfully identify and verify the facial features of the terminal owner, the temperature sensor senses the temperature of the user's finger and confirms that the temperature is stable at 37 degrees (plus or minus 5 degrees), collects the user's fingerprint data, if If it does not match, the mobile payment process will be terminated, and if it matches, a confirmation message will be sent.

In the present embodiment, the described camera and facial feature capture module (6) can automatically capture the user's specific dynamic facial features and send them to PROM and encrypted biometric verification module (3), PROM and encrypted biometric verification module (3) ) can compare the facial features of the terminal owner stored in its internal encryption with it, and if it does not match, the mobile payment process will be terminated, and if it matches, an encrypted confirmation message will be sent.

In the present embodiment, the PROM and the encrypted biometric verification module (3) receive the fingerprint feature acquisition module (4), the electrocardiographic feature acquisition module (5), the camera and the facial feature capture module (6), digital signal The information sent by the processing module (7) is compared with the biological characteristics of the terminal owner whose internal encrypted storage is one-time writing and cannot be deleted. Since the biological characteristics of the terminal owner are all one-time writing and cannot be deleted, illegal users are prevented. Possibility of censoring to bypass verification, aborting the mobile payment process if there is no match, and sending an encrypted confirmation message if there is a match.

In this embodiment, the NFC module (2) can pay without biometric circumstantial evidence verification when the payment amount is less than the terminal owner's preset value MIN, and when the payment amount is greater than the terminal owner's preset value MIN but less than the preset value MAX , the circumstantial evidence verification of a certain biometric feature can be performed according to the preset value. When the payment amount is greater than the preset value MAX, the biometric compound circumstantial evidence verification must be performed before proceeding.

In this embodiment, the high-security mobile payment terminal based on biometric composite circumstantial evidence is convenient and fast for small-amount payments without verification, and medium-amount payments are both safe and convenient; the identity verification process for large-amount payments is interlocking. It needs to be activated by the specific dynamic facial expression of the end user, and then the temperature of the user's finger is required to confirm that the temperature is stable at 37 degrees (plus or minus 5 degrees), and the fingerprint data of the user is collected. After the verification is passed, the ECG feature collection module can be activated (5) and digital signal processing module (7), obtain heart rate and dynamic waveform signal and verify with the heart rate and dynamic waveform signal feature stored by the terminal owner in PROM and encrypted biometric verification module (3), if they do not match, stop the mobile payment process, If there is a match, a confirmation message will be sent, which effectively avoids the security problems when the terminal user is unconscious, has no vital signs, and fingerprints are stolen, and solves problems such as terminal loss, false use, too small payment amount, and low security level. It solves the problem that the simple use of a certain biometric identity verification can improve the security but still cannot meet the needs of small, medium and large mobile payments at the same time, and improves the security of mobile payment without compromising the user experience. and user trust.

In this embodiment, the microprocessor (1) can adopt Snapdragon 800, internally integrated 28nm ^HPm quad-core Krait 400CPU, Adreno 330GPU.

In this embodiment, the human-computer interaction module (8) consists of a capacitive screen (12), buttons (on/off) (13), and the capacitive screen (12) can be 80mm×110mm, 16 million colors 1280×800 Resolution TFT IPS capacitive screen.

In this embodiment, the camera and facial feature capture module (6) adopt LED light source (17) and high-definition camera (16), which can capture the user's facial features all-weather in complex situations such as day or night and flashing lights.

In this embodiment, the mobile communication module (9) includes but not limited to 2G, 3G, 4G communication chips.

In this embodiment, the power module (11) can meet the 240-hour standby requirement.

The above descriptions are only preferred embodiments of the present invention, and are not intended to limit the present invention. Any modifications, equivalent replacements, improvements, etc. made within the spirit and principles of the present invention shall be included in the protection of the present invention. within range.

Claims (9)

1. it is combined a high-security mobile payment terminal for circumstantial evidence based on biological characteristic, including microprocessor module (1), NFC Module (2), PROM and encryption biological characteristic validation module (3), fingerprint characteristic acquisition module (4), ecg characteristics collection Module (5), photographic head and facial characteristics capture module (6), digital signal processing module (7), human-computer interaction module (8), Mobile communication module (9), locating module (10), power module (11), capacitive screen (12), button (ON/OFF) (13), USB interface (14) power interface (15), photographic head (16), LED light source (17), anti-skidding bonnet (18), Fingerprint button (19), ecg signal acquiring electrode (20).

2. according to claim 1, described microprocessor module (1), it is in core, couples following all modules: NFC Module (2), PROM and encryption biological characteristic validation module (3), fingerprint characteristic acquisition module (4), ecg characteristics collection Module (5), photographic head and facial characteristics capture module (6), digital signal processing module (7), human-computer interaction module (8), Mobile communication module (9), locating module (10), power module (11).

3. according to claim 1, described ecg characteristics acquisition module (5), it is characterised in that containing ecg signal acquiring electrode (20), the heart real time signal gathering user can be detected, and the signal collected is sent to digital signal processing module (7)。

4. according to claim 1, described digital signal processing module (7), it is characterised in that at fingerprint characteristic acquisition module Collecting and start after terminal owner's fingerprint, the signal sending ecg characteristics acquisition module (5) is amplified, filters, A/D Conversion, obtains heart rate and dynamic waveform signal, and deposits with PROM and encryption biological characteristic validation module (3) interior owner The heart rate of storage and the checking of dynamic waveform signal characteristic, if not mating, stop mobile payment process, if coupling, will send really Recognize information.

5. according to claim 1, described fingerprint characteristic acquisition module (4), it is characterised in that containing fingerprint button (19), It is made up of fingerprint sensor, sapphire panel, the ring-like cover plate of silvery, temperature inductor, meets following two bar at the same time During part startup i.e. photographic head and facial characteristics capture module (6) terminal owner's facial characteristics identification is proved to be successful, temperature sense Answer device sense user finger temperature and confirm that temperature stabilization is in 37 degree (positive and negative 5 degree), gather user fingerprint number According to, if not mating, stopping mobile payment process, if coupling, confirmation will be sent.

6. according to claim 1, described photographic head and facial characteristics capture module (6), it is characterised in that can automatically catch PROM and encryption biological characteristic validation module (3), PROM and encryption biology it is sent to after user specific dynamic facial characteristics Terminal owner's facial characteristics that its internal cryptographic can be stored by signature verification module (3) in contrast, if not mating, stops Mobile payment process, if coupling, will send encrypted acknowledgment information.

7. according to claim 1, described PROM and encryption biological characteristic validation module (3), it is characterised in that it receives Fingerprint characteristic acquisition module (4), ecg characteristics acquisition module (5), photographic head and facial characteristics capture module (6), number The information that word signal processing module (7) sends, and store one-time write and the terminal master that can not revise with its internal cryptographic The each biological characteristic of people contrasts, and owing to each biological characteristic of terminal owner is all one-time write and can not revise, has stopped non- Method user revises the probability walking around checking, if not mating, stops mobile payment process, if coupling, by transmission encryption really Recognize information.

8. according to claim 1, described NFC module (2), it is characterised in that preset less than terminal owner paying amount The checking of biological characteristic circumstantial evidence can be exempted from during value MIN pay, pay amount more than terminal owner preset value MIN but less than pre- If during value MAX, amount can paid more than preset value according to the circumstantial evidence checking carrying out a certain item biological characteristic is previously set During MAX, it is necessary to carry out just carrying out after biological characteristic is combined circumstantial evidence checking.

9., according to claim 1, described a kind of high-security mobile payment terminal being combined circumstantial evidence based on biological characteristic, it is special Levy and be, the checking of biological characteristic circumstantial evidence can be exempted from when paying amount less than terminal owner preset value MIN and pay, pay When amount is more than terminal owner preset value MIN but is less than preset value MAX, a certain item biology spy can be carried out according to being previously set The circumstantial evidence checking levied, when paying amount more than preset value MAX, it is necessary to carries out biological characteristic and is combined ability after circumstantial evidence checking Carry out；Small amount payment laissezpasser is convenient and swift, and middle volume safety of payment has both with convenient；Wholesale pays authentication process itself ring Ring interlocks, and needs to be activated by the specific dynamic facial expression of terminal use, then needs user finger temperature and confirm temperature Stably it is in 37 degree (positive and negative 5 degree), gathers user finger print data, ecg characteristics collection after being verified, could be activated Module (5) and digital signal processing module (7), obtain heart rate and dynamic waveform signal spy biological with PROM and encryption Levying heart rate and the checking of dynamic waveform signal characteristic that authentication module (3) interior terminal owner has stored, if not mating, stopping to move Dynamic payment process, if coupling, will send confirmation, effectively prevent terminal use's stupor, absence of vital signs, fingerprint Safety problem when being stolen, solve such as terminal loss, assume another's name to use, amount paid spends little, security level not High problem, has promoted safety but nothing although also solving a certain biometric authentication of simple employing Method meets the problem of the needs of small amount, middle volume, wholesale mobile payment simultaneously, promotes in the case of not damaging Consumer's Experience Mobile payment security and users to trust degree.