Title:
PAYMENT AUTHENTICATION METHOD AND AUTHENTICATION SYSTEM BASED ON FACE RECOGNITION AND HCE
Document Type and Number:
WIPO Patent Application WO/2017/167037
Kind Code:
A1
Abstract:
The present invention relates to a payment authentication method and payment authentication system based on face recognition and HCE. The method comprises: an information registration step, in which user information, face image information, and bank card information are acquired, binding of the acquired user information, the face image information, and the bank card information is performed, and an association table is generated from the binding relationship and stored in a back-end system; and a payment authentication step, in which a mobile terminal acquires a random verification code from the back-end system, a merchant terminal acquires face image information of a user, the merchant terminal sends to the back-end system the acquired face image information, the random verification code acquired by the mobile terminal, and transaction information as a transaction request to perform verification, and the back-end system performs verification on the basis of the association table, and forwards, if the verification passes, to a bank card system the transaction request to complete the transaction. The authentication payment method and authentication payment system in the present invention provide convenience and effective guarantee of security.
Inventors:
CAI HUA (CN)
Application Number:
PCT/CN2017/077223
Publication Date:
October 05, 2017
Filing Date:
March 20, 2017
Export Citation:
Assignee:
CHINA UNIONPAY CO LTD (CN)
International Classes:
G06Q20/32
Foreign References:
| CN103049850A | 2013-04-17 | |||
| CN104484804A | 2015-04-01 | |||
| CN104715372A | 2015-06-17 | |||
| CN202120367U | 2012-01-18 | |||
| CN105809447A | 2016-07-27 |
Attorney, Agent or Firm:
CHINA PATENT AGENT (HK)LTD. (CN)
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