US 11,599,882 B2Granted

Data processing method, apparatus, and system

AssigneeChina Unionpay Co., Ltd.

InventorsYu Chen, Jien Zhou, Yimeng Lv, Lei He, Yuan Gao, Yisheng Fu, Xiufeng Hu, Longchao Li

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Abstract

A data processing method, apparatus and system, for improving the security and accuracy in the data processing process. The method comprises: receiving target biometric information and verification password information of a target object sent by an acquisition institution server; recognizing, from registered biometric information of a plurality of objects, the registered biometric information matching the target biometric information; determining target account information of the target object according to the recognized registered biometric information; and sending a data processing request to a card issuing institution server corresponding to the target account information, the data processing request comprising the target account information and the verification password information, so that the card issuing institution server performs verification using the verification password information and performs data processing according to the target account information after the verification is passed.

Claims16

Dependent claims

A data processing method, comprising:

receiving target biometric information and verification password information of a target object sent by an acquirer server;
recognizing matched registered biometric information, matched with the target biometric information, from registered biometric information of a plurality of objects, wherein registered biometric information of any of the objects and registered account information of the any object are associatively stored;
determining target account information of the target object according to the matched registered biometric information;
and
sending a data processing request to a card issuer server corresponding to the target account information, wherein the data processing request comprises the target account information and the verification password information, so that the card issuer server performs verification through the verification password information and performs data processing according to the target account information after the verification is passed;
wherein the recognizing matched registered biometric information, matched with the target biometric information, from registered biometric information of a plurality of objects comprises:
determining partition biometric information from the registered biometric information of the plurality of objects, wherein the partition biometric information is registered biometric information stored in association with the verification password information;
determining a main recognition algorithm and an auxiliary recognition algorithm corresponding to the verification password information;
recognizing the matched registered biometric information, matched with the target biometric information, from the partition biometric information corresponding to the verification password information through the main recognition algorithm;
and
verifying a recognition result of the main recognition algorithm through the auxiliary recognition algorithm.

8 more elements

A data processing apparatus, comprising:

a transceiving component, configured to receive target biometric information and verification password information of a target object sent by an acquirer server;
a recognition component, configured to recognize matched registered biometric information, matched with the target biometric information, from registered biometric information of a plurality of objects, wherein registered biometric information of any of the objects and registered account information of the any object are associatively stored;
and
a determining component, configured to determine target account information of the target object according to the matched recognized registered biometric information;
wherein
the transceiving component is further configured to send a data processing request to a card issuer server corresponding to the target account information, wherein the data processing request comprises the target account information and the verification password information, so that the card issuer server performs verification through the verification password information and performs data processing according to the target account information after the verification is passed;
wherein the recognition component is configured to:
determine partition biometric information from the registered biometric information of the plurality of objects, wherein the partition biometric information is registered biometric information stored in association with the verification password information;
determine a main recognition algorithm and an auxiliary recognition algorithm corresponding to the verification password information;
recognize the matched registered biometric information, matched with the target biometric information, from the partition biometric information corresponding to the verification password information through the main recognition algorithm;
and
verify a recognition result of the main recognition algorithm through the auxiliary recognition algorithm.

9 more elements

Dependencies are inferred from the claim text.

Facts

Application: 17/624,983Filed 20 Jul 2020
Priority: CN 201911419394.331 Dec 2019
Published: US 2022/0292514 A115 Sep 2022
Granted: 7 Mar 2023
Term ends: Not estimatedThe source records don’t support an estimate.

Classification18 codes

G06Q 20/40145
Identity check for transactions: biometric identity checks
H04L 63/102
For controlling access to devices or network resources: entity profiles
G06Q 20/102
Specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems: bill distribution or payments
G06Q 20/202
Point-of-sale [POS] network systems: interconnection or interaction of plural electronic cash registers [ECR] or to host computer, e.g. network…