CN112435031A

CN112435031A - Data processing method and system based on user binding relationship

Info

Publication number: CN112435031A
Application number: CN202010783009.XA
Authority: CN
Inventors: 才华
Original assignee: China Unionpay Co Ltd
Current assignee: China Unionpay Co Ltd
Priority date: 2020-08-06
Filing date: 2020-08-06
Publication date: 2021-03-02
Also published as: JP7427089B2; JP2023504459A; WO2022027939A1; TWI826769B; TW202207063A

Abstract

The invention relates to a data processing method and a data processing system based on user binding relationship. The method comprises the following steps: associating the main user identification of the main user with the biological characteristic information of the auxiliary user and storing the user association relationship between the main user identification and the biological characteristic information of the auxiliary user; opening a pre-authorization transaction authority for the auxiliary user; acquiring biological characteristic information of a transaction occurrence object; acquiring transaction related data; and a data processing step of judging whether the user association relation judges whether the biological characteristic information of the transaction occurrence object has a corresponding main user identification in the user association relation, and performing pre-authorization to complete the transaction according to the transaction related data and the main user identification under the condition of judging that the corresponding main user identification exists. According to the invention, the payment function of the main user as the auxiliary user can be realized based on the user binding relationship.

Description

Data processing method and system based on user binding relationship

Technical Field

The invention relates to a computer technology, in particular to a data processing method and a data processing system based on a user binding relationship.

Background

At present, a common mode in a public transit subway passing brake scene is that a user obtains a two-dimensional code through an own intelligent terminal and scans the two-dimensional code for entering and leaving. However, in the prior art, the user acquires the two-dimensional code through the own intelligent terminal, and only single person code scanning is supported to take the subway, that is, each user needs to display the bus code of the user when entering the subway station, the user can enter the subway station after being recognized, the user needs to display the bus code of the user again when going out of the subway station, and the user can complete payment and exit after being recognized. In some special cases, for convenience, a user needs to use an intelligent terminal of the user to carry out replacement for payment for multiple persons, such as visiting relatives and friends or persons (old people, children over 130cm, and the like) who do not pay accounts.

As described above, according to the data processing method and the data processing system based on the user binding relationship of the present invention, the primary user can make a payment for the secondary user by using the user binding relationship between the primary user and the secondary user, and the secondary user does not need to have a payment account or a device such as a mobile terminal, and can realize a payment for the primary user only by using biometric information (e.g., a face, a fingerprint, an iris, etc.). Moreover, the data processing method and the data processing system based on the user binding relationship have wide use scenes and high acceptability, for example, people in the same row do not need to have a payment account or operate an intelligent terminal, and the data processing method and the data processing system are particularly suitable for the groups of the old, children and the like as the affiliated users.

Moreover, according to the data processing method and the data processing system based on the user binding relationship, the implementation mode is relatively simple, various private information of a main account or an auxiliary account or identity information (such as a name, an identity card number and the like) of a public security system is not required to be recorded during binding, and only the biological characteristic information of the auxiliary account and the account of the main user are simply bound and a pre-authorization transaction function is started, so that the primary payment of the main user to the auxiliary user can be realized through the combination of 'pre-authorization transaction + biological identification technology'.

Further, according to the data processing method and the data processing system based on the user binding relationship, when the auxiliary user generates the related consumption, for example, when the auxiliary user takes a subway or enters a venue, the auxiliary user does not need to accompany the auxiliary user, and the auxiliary payment function of the auxiliary user can be realized only by virtue of the biological characteristic information (such as the face, the fingerprint, the iris and the like).

Moreover, according to the data processing method and the data processing system based on the user binding relationship, when the user binding relationship is established, the payment password verification is required, the authorized function can be set to be valid at one time, and the user association relationship is immediately released after the user binding relationship is used, so that the potential safety hazard is effectively solved.

Disclosure of Invention

In view of the above problems, the present invention is directed to a data processing method based on a user binding relationship and a system thereof, which can implement a payment for another user (affiliated user) who does not hold a mobile terminal.

The data processing method based on the user binding relationship is characterized by comprising the following steps:

binding, namely associating the master user identification of the master user with the biological characteristic information of the auxiliary user and storing the user association relationship between the master user identification and the biological characteristic information of the auxiliary user;

pre-authorization step, opening pre-authorization trade authority for the auxiliary user;

a biological characteristic obtaining step of obtaining biological characteristic information of a transaction occurrence object;

a transaction data acquisition step for acquiring transaction related data; and

and a data processing step, namely judging whether the biological characteristic information has a corresponding main user identifier in the user association relation, and performing pre-authorization to complete the transaction according to the transaction related data and the main user identifier under the condition of judging that the corresponding main user identifier exists.

Optionally, in the pre-authorization step, an additional condition of the pre-authorization transaction right is further set, where the additional condition includes one or more of the following: pre-authorization deadline, pre-authorization limit, pre-authorization scenario.

Optionally, in the case that the master user identifier is a mobile terminal identifier, in the data processing step, a transaction is completed by performing pre-authorization based on a payment account corresponding to the mobile terminal identifier.

Optionally, in the case that the master user identifier is an application identifier, in the data processing step, a transaction is completed by performing pre-authorization based on a payment account corresponding to the application identifier.

Optionally, in the case that the primary user identifier is a payment account, in the data processing step, a transaction is completed by performing pre-authorization based on the payment account.

The data processing method based on the user binding relationship is characterized by being realized by a mobile terminal, an industry terminal and a background system, and comprises the following steps:

the mobile terminal acquires biological characteristic information of an auxiliary user and sends a main user identification of a main user and the biological characteristic information of the auxiliary user to a background system;

the background system associates the master user identification with the biological characteristic information of the auxiliary user and stores the user association relationship between the master user identification and the biological characteristic information of the auxiliary user, and opens a pre-authorization transaction authority for the auxiliary user;

the method comprises the following steps that an industry terminal obtains biological characteristic information of a transaction occurrence object and transmits transaction related data to a background system; and

and the background system judges whether the biological characteristic information of the transaction occurrence object has a corresponding main user identifier in the user association relation, and performs pre-authorization to complete the transaction according to the transaction related data and the main user identifier under the condition of judging that the corresponding main user identifier exists.

an acquisition step, in which the biological characteristic information of an accessory user is acquired;

a request step of sending a binding request to the outside based on a main user identification of a main user and the biological characteristic information of the auxiliary user so as to enable the main user identification and the biological characteristic information of the auxiliary user to be associated to form a user association relationship and enable the auxiliary user to be set with the authority of pre-authorized transaction; and

and a receiving step of receiving information based on a pre-authorization transaction result from the outside, wherein the pre-authorization transaction result information represents a result of judging whether the acquired biological characteristic information has a corresponding main user identifier based on the user association relation and pre-authorizing according to transaction related data and the main user identifier to complete a transaction if the acquired biological characteristic information has the corresponding main user identifier.

Optionally, the pre-authorized transaction right further comprises additional conditions, the additional conditions comprising one or more of the following: pre-authorization deadline, pre-authorization limit, pre-authorization scenario.

Optionally, the primary user account is any one of a mobile terminal identifier, an application identifier, and a payment account.

a data receiving step, namely receiving a main user identification of a main user and biological characteristic information of an auxiliary user;

a pre-authorization step, wherein the master user identification and the biological characteristic information of the auxiliary user are correlated and the user correlation relationship between the master user identification and the biological characteristic information of the auxiliary user is stored, and a pre-authorization transaction authority is opened for the auxiliary user; and

and a data processing step, namely receiving the biological characteristic information of the transaction occurrence object and transaction related data, judging whether the biological characteristic information of the transaction occurrence object has a corresponding main user identifier in the user association relation, and performing pre-authorization to complete the transaction based on the transaction related data and the main user identifier under the condition of judging that the corresponding main user identifier exists.

Optionally, in the case that the master user identifier is an application identifier, in the data processing step, a transaction is completed by performing pre-authorization based on a payment account bound by the application identifier.

Optionally, the data processing step includes:

receiving first biological characteristic information of a transaction occurrence object and first transaction related data;

judging whether a corresponding main user identification exists in the user association relationship of the first biological characteristic information of the transaction occurrence object, recording the first transaction related data and sending a first action instruction under the condition of judging that the corresponding main user identification exists;

receiving second biological characteristic information of a transaction occurrence object and second transaction related data;

judging whether a corresponding main user identification exists in the user association relationship of second biological characteristic information of the transaction occurrence object, recording the second transaction related data and sending a second action instruction under the condition of judging that the corresponding main user identification exists; and

and performing pre-authorization according to the first transaction related data, the second transaction related data and the main user identification to complete the transaction.

The data processing method based on the user binding relationship is characterized by being realized by a mobile terminal, an industry background and a background system, and comprises the following steps:

the mobile terminal acquires biological characteristic information of an auxiliary user and sends a main user identification and the biological characteristic information of the auxiliary user to a background system;

the method comprises the following steps that an industry terminal obtains biological characteristic information of a transaction occurrence object and sends the biological characteristic information to a background system; and

the background system judges whether the biological characteristic information of the transaction occurrence object has a corresponding main user identification in the user association relation and sends a judgment result to an industry background;

under the condition that the judgment result is that the corresponding main user identification exists in the user association relationship, the industry background records transaction related data and sends an action instruction, and sends the transaction related data to a background system; and

and the background system pre-authorizes the transaction according to the transaction related data and the main user identification.

The data processing method based on the user binding relationship in one aspect of the invention is characterized in that,

a data receiving step, namely receiving biological characteristic information of a main user identification and an auxiliary user;

and a data processing step, namely receiving the biological characteristic information of the transaction occurrence object and transaction related data, judging whether the biological characteristic information of the transaction occurrence object has a corresponding main user identifier in the user association relation, sending an action instruction under the condition of judging that the corresponding main user identifier exists, and performing pre-authorization to complete the transaction based on the transaction related data and the main user identifier.

Optionally, the data processing step includes:

receiving first biological characteristic information and first transaction related data of a transaction occurrence object, judging whether the first biological characteristic information of the transaction occurrence object has a corresponding main user identifier in the user association relation, and recording the first transaction related data to send a first action instruction under the condition that the corresponding main user identifier is judged to exist;

receiving second biological characteristic information and second transaction related data of a transaction occurrence object, judging whether the second biological characteristic information of the transaction occurrence object has a corresponding main user identifier in the user association relation, and recording the second transaction related data and sending a second action instruction under the condition that the corresponding main user identifier is judged to exist; and

and performing pre-authorization to complete the transaction according to the first transaction related data, the second transaction related data and the main user identification.

The data processing system based on the user binding relationship in one aspect of the present invention is characterized by comprising:

the binding module is used for associating the master user identification with the biological characteristic information of the auxiliary user and storing the user association relationship between the master user identification and the biological characteristic information of the auxiliary user;

the preauthorization module is used for opening preauthorization transaction authority for the auxiliary user;

the biological characteristic acquisition module is used for acquiring biological characteristic information of a transaction occurrence object and transaction related data; and

and the data processing module is used for judging whether the biological characteristic information of the transaction occurrence object has a corresponding main user identification based on the user association relation, and carrying out pre-authorization to complete the transaction according to the transaction related data and the main user identification under the condition of judging that the corresponding main user identification exists.

Optionally, in the pre-authorization module, an additional condition of the pre-authorization transaction right is further set, where the additional condition includes one or more of the following: pre-authorization deadline, pre-authorization limit, pre-authorization scenario.

Optionally, the primary user identifier is any one of a mobile terminal identifier, an application identifier, and a payment account.

A mobile terminal according to an aspect of the present invention includes:

the acquisition module acquires the biological characteristic information of the affiliated user;

the request module is used for sending a binding request to an external system based on the master user identification of the master user and the biological characteristic information of the auxiliary user so as to enable the master user identification and the biological characteristic information of the auxiliary user to be correlated and form a user association relation; and

and the result receiving module is used for receiving pre-authorization transaction result information from the outside, wherein the pre-authorization transaction result information represents a result that whether the corresponding main user identification exists or not is judged for the acquired biological characteristic information based on the user association relation, and the transaction is completed by pre-authorization according to the transaction related data and the main user identification under the condition that the corresponding main user identification exists.

A background system according to an aspect of the present invention is characterized by including:

the data receiving module is used for receiving the biological characteristic information of the main user identification and the auxiliary user;

the database is used for storing the main user identification and the biological characteristic information of the auxiliary user in a correlation manner and storing the user correlation relationship of the main user identification and the biological characteristic information of the auxiliary user;

the setting module is used for opening pre-authorization transaction authority for the auxiliary user; and

and the data processing module is used for receiving the biological characteristic information of the transaction occurrence object and the transaction related data, judging whether the biological characteristic information of the transaction occurrence object has a corresponding main user identifier in the user association relation stored in the database, and performing pre-authorization to complete the transaction based on the transaction related data and the main user identifier under the condition of judging that the corresponding main user identifier exists.

Optionally, the setting module further sets an additional condition of the pre-authorized transaction right,

the additional conditions include one or more of: pre-authorization deadline, pre-authorization limit, pre-authorization scenario.

Optionally, the data processing module performs the following actions:

receiving first biological characteristic information and first transaction related data of a transaction occurrence object, judging whether the first biological characteristic information of the transaction occurrence object has a corresponding main user identifier in the user association relation, and recording the first transaction related data and sending a first action instruction under the condition that the corresponding main user identifier is judged to exist;

receiving second biological characteristic information and second transaction related data of a transaction occurrence object, judging whether the second biological characteristic information of the transaction occurrence object has a corresponding main user identifier in the user association relation, and recording the second transaction related data and sending a second action instruction under the condition of judging that the corresponding main user identifier exists; and

A background system according to an aspect of the present invention includes:

and the data processing module is used for receiving the biological characteristic information of the transaction occurrence object, judging whether the biological characteristic information of the transaction occurrence object has a corresponding main user identifier in the user association relation stored in the database, and performing pre-authorization to complete the transaction based on the received transaction related data and the main user identifier under the condition of judging that the corresponding main user identifier exists.

Optionally, the setting module further sets additional conditions of the pre-authorized transaction right, the additional conditions including one or more of the following: pre-authorization deadline, pre-authorization limit, pre-authorization scenario.

Optionally, the data processing module performs the following actions:

receiving first biological characteristic information of a transaction occurrence object, judging whether the first biological characteristic information of the transaction occurrence object has a corresponding main user identifier in the user association relation, and sending a first action instruction under the condition that the corresponding main user identifier is judged to exist;

receiving second biological characteristic information of a transaction occurrence object, judging whether the second biological characteristic information of the transaction occurrence object has a corresponding main user identifier in the user association relation, and sending a second action instruction under the condition that the corresponding main user identifier is judged to exist; and

receiving transaction related data and pre-authorizing completion of a transaction based on the transaction related data and the primary user identification.

A computer-readable medium of an aspect of the invention, on which a computer program is stored, is characterized in that,

the computer program realizes the data processing method based on the user binding relationship when being executed by a processor.

The computer device in one aspect of the present invention includes a storage module, a processor, and a computer program stored on the storage module and executable on the processor, where the processor implements the data processing method based on the user binding relationship when executing the computer program.

Drawings

FIG. 1 is a flow chart illustrating a method for data processing based on user binding in accordance with an aspect of the present invention.

FIG. 2 is a schematic block diagram of a user binding based data processing system in accordance with an aspect of the present invention.

Fig. 3 is a schematic diagram illustrating a specific flow of the data processing method based on the user binding relationship according to the first embodiment.

Fig. 4 is a block diagram showing a configuration of a data processing system based on a user binding relationship according to the first embodiment.

Fig. 5 is a schematic diagram showing a specific flow of the data processing method based on the user binding relationship according to the second embodiment.

FIG. 6 is a block diagram showing a configuration of a data processing system based on a user binding relationship according to a second embodiment.

Detailed Description

The following description is of some of the several embodiments of the invention and is intended to provide a basic understanding of the invention. It is not intended to identify key or critical elements of the invention or to delineate the scope of the invention.

For the purposes of brevity and explanation, the principles of the present invention are described herein with reference primarily to exemplary embodiments thereof. However, those skilled in the art will readily recognize that the same principles are equally applicable to all types of user binding relationship based data processing methods and data processing systems, and that these same principles can be implemented therein, as well as any such variations, without departing from the true spirit and scope of the present patent application.

Moreover, in the following description, reference is made to the accompanying drawings that illustrate certain exemplary embodiments. Electrical, mechanical, logical, and structural changes may be made to these embodiments without departing from the spirit and scope of the invention. In addition, while a feature of the invention may have been disclosed with respect to only one of several implementations/embodiments, such feature may be combined with one or more other features of the other implementations/embodiments as may be desired and/or advantageous for any given or identified function. The following description is, therefore, not to be taken in a limiting sense, and the scope of the present invention is defined by the appended claims and their equivalents.

Terms such as "comprising" and "comprises" mean that, in addition to having elements (modules) and modules directly and explicitly stated in the description and claims, the solution of the invention does not exclude the presence of other elements (modules) and modules not directly or explicitly stated.

First, an outline of the data processing method and the data processing system according to the present invention based on the user binding relationship will be described.

In the following description, the data processing method and the data processing system based on the user binding relationship are mainly described by taking the application to a subway scene as an example, but the present invention is not limited to the subway scene, and may also be applied to other various scenes, for example, charging scenes for buses, ships, magnetic levitation, etc., and also charging for users entering a venue, charging for users using devices, etc., which are not listed here, and the scheme of realizing modern payment through the user binding relationship belongs to the category of the data processing method and the data processing system based on the user binding relationship, which are applied by the present invention.

First, the technical concepts of the data processing method based on the user binding relationship and the data processing system based on the user binding relationship of the present invention will be explained. The data processing method based on the user binding relationship and the data processing system based on the user binding relationship aim at enabling related transaction data generated by an auxiliary user to be settled by a payment account corresponding to a main user by binding the auxiliary user and the main user.

As shown in fig. 1, a data processing method based on a user binding relationship according to an aspect of the present invention includes the following steps:

a binding step S100: the method comprises the steps of correlating a master user identification with biological characteristic information of an auxiliary user needing to be bound with the master user and storing the user association relationship of the master user identification and the auxiliary user, wherein the biological characteristic information can be a human face, a fingerprint, an iris and the like, and for simplifying description, the following description mainly takes the human face as an example;

pre-authorization step S200: opening a pre-authorization transaction authority for the auxiliary user;

biometric acquisition step S300: obtaining biometric information of a transaction occurrence object (e.g., an affiliated user who is to generate relevant transaction data);

a transaction data acquisition step S400 of acquiring transaction related data; and

data processing step S500: and judging whether the biological characteristic information of the transaction occurrence object has a corresponding main user identification or not based on the user association relation, and performing pre-authorization to complete the transaction according to the main user identification and the transaction related data under the condition of judging that the corresponding main user identification exists.

In the pre-authorization step S200, additional conditions of the pre-authorization transaction right are further set, for example, the additional conditions include: pre-authorization terms, pre-authorization limits, pre-authorization scenarios, and so on. For example, the pre-authorization may be set to be valid for one time, or the validity period of the pre-authorization may be set to be one day or one week, or the highest quota of the pre-authorization may be set, or the pre-authorization may be set to be valid only in certain situations

The master user identification can be a mobile terminal identification, an application identification, a payment account or the like, and any identification which can uniquely identify a master user and can correspond to the master user account can be used as the master user identification. For example, in the case that the master user identifier is a mobile terminal identifier, in the data processing step, a transaction is completed by performing pre-authorization based on a payment account corresponding to the mobile terminal identifier. And under the condition that the master user identification is the application identification, in the data processing step, performing pre-authorization to complete the transaction based on the payment account corresponding to the application identification. And under the condition that the main user identification is the application identification, in the data processing step, performing pre-authorization to complete the transaction based on the payment account bound by the application identification.

Although the biometric information acquisition step S300 and the transaction data acquisition step S400 are described as two steps, as a variation, they may be implemented in the same step, and therefore, in the present invention, it is not necessary to distinguish whether or not the biometric information and the transaction-related data are acquired in the same step.

As shown in FIG. 2, a data processing system 10 based on user binding in one aspect of the present invention includes:

the binding module 11 is used for associating the master user identification of the master user with the biological characteristic information of the auxiliary user and storing the user association relationship between the master user identification and the biological characteristic information of the auxiliary user;

the preauthorization module 12 is used for opening preauthorization transaction authority for the affiliated user;

a biological characteristic obtaining module 13, configured to obtain biological characteristic information of a transaction occurrence object;

a transaction data acquisition module 14 for acquiring transaction related data by a user; and

and the data processing module 15 is configured to determine whether the biometric information of the transaction occurrence object has a corresponding main user identifier based on the user association relationship, and perform pre-authorization to complete the transaction according to the transaction related data and the main user identifier when determining that the corresponding main user identifier exists.

Wherein, in the pre-authorization module 12, an additional condition of the pre-authorization transaction right is further set, and the additional condition includes one or more of the following: pre-authorization deadline, pre-authorization limit, pre-authorization scenario.

The master user identifier may be any one of a mobile terminal identifier, an application identifier, a payment account, and the like.

Thus, according to the data processing method and system based on the user binding relationship in one aspect of the present invention, the biometric information (such as human face, fingerprint, iris, etc.) of the dependent user is bound with the primary user identifier, and the pre-authorization limit is given to the dependent user, so that when the dependent user generates the transaction-related fee, the transaction-related data generated by the dependent user can be settled by the payment account corresponding to the primary user identifier.

As an application scenario, for example, the data processing method based on the user binding relationship in one aspect of the present invention is applied to a scenario in which a subway enters, and by combining pre-authorization transaction and biometric feature recognition (e.g., face recognition), it can support an affiliated user (e.g., fellow officer) to purchase a subway ticket instead, so that a function of a master user using an own intelligent terminal to perform a payment-for-another for the affiliated user (e.g., fellow officer) without a payment account is realized, the whole process does not require the affiliated user (e.g., fellow officer) to use the intelligent terminal to participate, the affiliated user (e.g., fellow officer) can be correctly recognized during riding, and corresponding pre-authorization is completed to complete a transaction, and identity correspondence of the.

Next, a scenario in which the data processing method based on the user binding relationship and the data processing system based on the user binding relationship of the present invention are specifically applied to subway ticket purchasing will be described.

First embodiment

The first embodiment is a data processing method based on a user binding relationship, and is mainly implemented by a mobile terminal of a master user, a subway gate (equivalent to an "industry terminal" in the claims), a subway background (equivalent to an "industry background" in the claims), and a background system.

The data processing method based on the user binding relationship according to the first embodiment may roughly include the following processes:

when a master user initiates to purchase a ticket for an auxiliary user, a mobile terminal of the master user prompts the master user to input a payment password to complete account authentication, the master user sends account information and the payment password to a background system after inputting the payment password into the mobile terminal, and the background system authenticates the received account information and the payment password (the step is a step for confirming the identity of the master user, and the function of the step is to improve the safety, and certainly, the step can be omitted).

After the verification of the background system is passed, the main user acquires the facial biological feature information of the auxiliary user (such as fellow persons and ticket purchasing persons) through a mobile terminal of the main user, the mobile terminal sends the acquired facial biological feature information of the auxiliary user and a user identification (such as riding APP account information) of the main user to the background system, the background system associates the main user identification with the facial biological feature information of the auxiliary user and stores the user association relationship between the main user identification and the auxiliary user, and stores the user association relationship and the facial biological feature information into a database;

after recording the user association relationship and the facial biological feature information of the accessory user, the background system opens a pre-authorization transaction for the accessory user and sets the maximum pre-deduction amount;

when an attached user as a passenger enters or exits the station, a face recognition device (which can be integrally formed with the subway gate or can be additionally provided) arranged on the subway gate collects the facial biological features of the passenger, and sends the acquired facial biological feature information to a background system;

after receiving the facial biological characteristic information identified and acquired by the subway gate, the background system confirms whether a binding account exists by comparing the facial biological characteristic information in the database, namely, whether the acquired facial biological characteristic information has a corresponding associated user is searched in the user association relationship, if so, transaction information is recorded aiming at the account of the associated user, and after the information of the inbound \ outbound station is recorded, the background system informs the subway gate to open the gate;

and after the subway gate receives the opening information, the gate is opened, after the auxiliary user exits through the gate, the background system calculates the section cost according to the recorded inbound/outbound station information, and simultaneously pre-authorizes the associated main user account according to the acquired facial biological characteristic information to complete the transaction and deduct the corresponding cost.

The specific flow of the data processing method based on the user binding relationship in the first embodiment can be roughly divided into three stages: an application stage, a use stage and a fee deduction stage. These three stages are explained below.

1. Application stage:

step S1: the master user opens a riding APP on the mobile terminal and clicks a ticket buying function for other people.

Step S2: the bus-taking APP prompts a user to input a payment password to verify an account, the master user inputs the payment password on the mobile terminal, and the bus-taking APP sends account information and the payment password of the master user to a background system (namely a background of the bus-taking APP of the mobile terminal) to verify.

Step S3: the background system verifies the payment password.

Step S4: after the background system passes through the verification, the mobile terminal is that the camera of cell-phone indicates the personnel that need the ticket purchase promptly to the peer, in order to obtain peer's facial biological characteristic information, the APP of taking a bus can discern the peer's facial biological characteristic information (also can discern facial biological characteristic information by the background system and the APP of taking a bus only realizes the transfer function) this moment, after the APP discernment of taking a bus acquires peer's facial biological characteristic information, with peer's facial biological characteristic information together with APP account information of taking a bus send to the background system. Although the "fellow passenger" does not actually need the "fellow passenger" in the subsequent "use stage", the passenger can go in and out of the subway gate independently without accompanying with the main user, and therefore the passenger is also referred to as "passenger" or "dependent user" directly hereinafter.

Step S5: and after the background system acquires the facial biological feature information of the auxiliary user, the account information of the main user is associated with the facial biological feature information of the auxiliary user, and the user association relationship between the account information of the main user and the facial biological feature information of the auxiliary user is stored in the database.

Step S6: and after the background system associates the account information of the main user with the facial biological characteristic information of the auxiliary user, opening the pre-authorization transaction authority for the auxiliary user and setting the maximum amount of the pre-authorization transaction.

2. The use stage is as follows:

step S7: when the fellow passenger enters the subway gate, the fellow passenger faces a face recognition device of the subway gate (the face recognition device can be arranged as a part of the subway gate or can be arranged additionally).

Step S8: the face recognition device recognizes the face of the passenger and obtains the facial biological feature information of the passenger, and the face recognition device sends the recognized facial biological feature to the background system.

Step S9: after receiving the facial biometric information, the background system compares the facial biometric information stored in the database to determine whether the account information of the primary user corresponding to the facial biometric information exists in the user association relationship, and if not, continues to step S10, and if so, continues to step S11.

Step S10: the user is prompted for an identification error.

Step S11: and recording the information of the station and informing the gate machine of the subway to open the gate through the background of the subway.

Step S12: and the subway gate opens the gate according to the notification.

Step S13: and the auxiliary user takes a car.

Step S14: and the face recognition device faces the subway gate when the subsidiary user finishes taking the bus and exits (exits) the station.

Step S15: the face recognition device recognizes the face of the accessory user, acquires the face biological feature information of the accessory user and uploads the face biological feature information to the background system.

Step S16: and after receiving the facial biological feature information obtained by identification, the background system identifies the facial biological feature by comparing the facial biological feature information in the database, confirms whether the account information of the main user corresponding to the facial biological feature information exists in the user association relationship, if not, continues to step S17, otherwise, continues to step S18.

Step S17: the user is prompted for an identification error.

Step S18: and recording the outbound station information aiming at the account, and informing the gate machine of the subway to open the gate through the subway background.

Step S19: and the subway gate opens the gate according to the notification.

Step S20: the vehicle occupant leaves through the gate and leaves.

3. And (3) fee deduction stage:

s21: after the passengers pass through the subway gate, the background system calculates the interval cost.

S22: and pre-authorizing the associated account according to the acquired facial biological characteristic information to complete the transaction, deducting corresponding fees, returning the rest fees, and automatically removing the binding relationship between the main account and the facial biological characteristic information after the deduction is finished under the condition that the pre-authorization is set to be effective once.

S23: after the transaction is completed, the main user is informed by a short message, for example, the user is prompted to pay a vehicle fee for others within XX time of XX month and XX day, and the total amount of XX elements is counted.

Next, a data processing system based on a user binding relationship according to a first embodiment will be described.

As shown in fig. 4, the data processing system based on the user binding relationship of the first embodiment includes: the system comprises a mobile terminal 100, a subway gate 200, a subway background 300 and a background system 400.

The mobile terminal 100 is configured to acquire biometric information of the secondary user and to transmit the primary user identification and the biometric information of the secondary user to the backend system 400, and to receive pre-authorization transaction result information from the backend system 400.

The background system 400 is configured to associate the master user identifier and the biometric information of the affiliated user and store the user association relationship between the master user identifier and the biometric information of the affiliated user, and open a pre-authorization transaction right for the affiliated user, on the other hand, when the transaction occurrence object (affiliated user) goes out/enters the station, the background system 400 determines whether the biometric information of the transaction occurrence object has a corresponding master user identifier in the user association relationship, records the station information of the transaction occurrence object (affiliated user) going out/entering the station under the condition that the corresponding master user identifier exists, and performs pre-authorization according to the transaction related data and the master user identifier after the transaction occurrence object (affiliated user) goes out/enters the station to complete the transaction.

The subway gate 200 is used to open or close the gate according to an action instruction transmitted from the back office system 400 through the subway back office 300, and the subway gate 200 is also configured to acquire biometric information of a transaction occurrence object and station access information (corresponding to "transaction-related data" in the claims) and transmit to the back office system 400 through the subway back office 300.

Wherein, the mobile terminal 100 includes:

an obtaining module 110, for obtaining the biological characteristic information of the affiliated user;

a request module 120, configured to send a binding request to a background system 400 based on a primary user identifier and biometric information of the secondary user, so that the primary user identifier and the biometric information of the secondary user are associated; and

the result receiving module 130 receives pre-authorized transaction result information from the backend system 400.

Wherein the backend system 400 comprises:

a data receiving module 410, configured to receive a main user identifier and biometric information of an auxiliary user;

the database 420 is used for storing the main user identification and the biological characteristic information of the auxiliary user in an associated manner and storing the user association relationship of the main user identification and the biological characteristic information of the auxiliary user;

a setting module 430, configured to open a pre-authorization transaction right for the affiliated user; and

the data processing module 440 is configured to receive the biometric information of the transaction occurrence object and the transaction related data, determine whether the biometric information of the transaction occurrence object has a corresponding primary user identifier in the user association relationship stored in the database 420, record the transaction related data (for example, record the outbound/inbound site information of the affiliated user as the transaction occurrence object) when determining that the corresponding primary user identifier exists, and perform pre-authorization to complete the transaction according to the transaction related data and the primary user identifier after the transaction occurrence object completes the outbound action.

The data processing module 440 performs the following actions:

receiving first biological characteristic information (for example, biological characteristic information of an auxiliary user at the time of entering) of a transaction occurrence object and first transaction related data (for example, inbound site information), judging whether the first biological characteristic information of the transaction occurrence object has a corresponding main user identifier in the user association relationship, and recording the first transaction related data and sending a first action instruction (for example, sending an action instruction for opening the subway gate 200 to the subway background 300) if the first biological characteristic information of the transaction occurrence object has the corresponding main user identifier;

receiving second biological characteristic information (biological characteristic information of an auxiliary user when the user leaves the station) of a transaction occurrence object and second transaction related data (such as station information of the station), judging whether the second biological characteristic information of the transaction occurrence object has a corresponding main user identifier in the user association relation, and recording the second transaction related data and sending a second action instruction (for example, sending an action instruction for opening the subway gate 200 to the subway background 300) under the condition that the corresponding main user identifier is judged to exist; and

and performing pre-authorization to complete the transaction according to the first transaction related data and the second transaction related data (such as inbound site information and outbound site information) and the primary user identification.

Second embodiment

The second embodiment is a data processing method based on a user binding relationship, and is mainly implemented by a mobile terminal of a master user, a subway gate (equivalent to an "industry terminal" in the claims), a subway background (equivalent to an "industry background" in the claims), and a background system. The second embodiment is different from the first embodiment in that recording inbound/outbound station information is performed by the subway background rather than by a background system.

The specific flow of the data processing method based on the user binding relationship in the second embodiment is also roughly divided into three stages: an application stage, a use stage and a fee deduction stage. These three stages are explained below.

1. Application stage:

step S51: the master user opens a riding APP on the mobile terminal and clicks a ticket buying function for other people.

Step S52: the bus-taking APP prompts a user to input a payment password to verify an account, the master user inputs the payment password on the mobile terminal, and the bus-taking APP sends account information and the payment password of the master user to a background system (namely a background of the bus-taking APP of the mobile terminal) to verify.

Step S53: the background system verifies the payment password.

Step S54: after the background system passes through the verification, the camera of the mobile terminal aligns with the fellow passenger (namely, the passenger who needs to purchase tickets) to obtain facial biological characteristic information of the fellow passenger, the passenger APP can identify the facial biological characteristic information of the fellow passenger at the moment (certainly, the passenger APP can identify the facial biological characteristic information by the background system and only realize the transfer function), and after the passenger APP identifies and obtains the facial biological characteristic information of the fellow passenger, the facial biological characteristic information of the fellow passenger and the passenger APP account information are sent to the background system.

Step S55: and after the background system acquires the facial biological feature information of the auxiliary user, the account information of the main user is associated with the facial biological feature information of the auxiliary user, and the user association relationship between the account information of the main user and the facial biological feature information of the auxiliary user is stored in the database.

Step S56: and after the background system associates the account information of the main user with the facial biological characteristic information of the auxiliary user, opening the pre-authorization transaction authority for the auxiliary user and setting the maximum amount of the pre-authorization transaction.

2. The use stage is as follows:

step S57: when the auxiliary user enters the train, the auxiliary user faces the face recognition device of the subway gate (the face recognition device can be arranged as a part of the subway gate or can be arranged additionally).

Step S58: the face recognition device recognizes the face of the passenger and obtains the facial biological feature information of the passenger, and the face recognition device sends the recognized facial biological feature to the background system.

Step S59: after receiving the facial biometric information, the background system compares the facial biometric information stored in the database to determine whether the account information of the primary user corresponding to the facial biometric information exists in the user association relationship, and if not, continues to step S60, and if so, continues to step S61.

Step S60: the user is prompted for an identification error.

Step S61: the background system informs the subway background to record the information of the station and informs the subway background to open the gate.

Step S62: and the subway gate opens the gate according to the notification.

Step S63: and the auxiliary user takes a car.

Step S64: and the face recognition device faces the subway gate when the subsidiary user finishes taking the bus and exits (exits) the station.

Step S65: the face recognition device recognizes the face of the accessory user, acquires the face biological feature information of the accessory user and uploads the face biological feature information to the background system.

Step S66: and after receiving the facial biological feature information obtained by identification, the background system identifies the facial biological feature by comparing the facial biological feature information in the database, confirms whether the account information of the main user corresponding to the facial biological feature information exists in the user association relationship, if not, continues to step S67, otherwise, continues to step S68.

Step S67: the user is prompted for an identification error.

Step S68: and the background system informs the subway background of recording the information of the outbound station aiming at the account, and the subway background informs the subway gate to open the gate.

Step S69: and the subway gate opens the gate according to the notification.

Step S70: the vehicle occupant leaves through the gate and leaves.

3. And (3) fee deduction stage:

s71: after the passengers pass through the subway gate, the subway system calculates the section cost and sends the section cost to the background system.

S72: and based on the calculated interval fee, the background system carries out pre-authorization on the associated account to complete the transaction, deducts corresponding fee, returns the residual fee, and automatically removes the binding relationship between the main account and the facial biological characteristic information after the deduction is finished under the condition that the pre-authorization is set to be effective once.

S73: after the transaction is completed, the main user is informed by a short message, for example, the user is prompted to pay a vehicle fee for others within XX time of XX month and XX day, and the total amount of XX elements is counted.

Next, a data processing system based on a user binding relationship according to a second embodiment will be described.

As shown in fig. 6, the data processing system based on the user binding relationship of the second embodiment includes: the system comprises a mobile terminal 500, a subway gate 700, a subway background 800 and a background system 900.

The mobile terminal 500 is used to acquire the biometric information of the accessory user and to transmit the primary user identification and the biometric information of the accessory user to the backend system 900, and to receive pre-authorized transaction result information from the backend system 900.

The background system 900 is configured to associate and store the biometric information of the primary user identifier and the secondary user in a user association relationship, and open a pre-authorization transaction authority for the secondary user, on the other hand, when a transaction occurrence object (secondary user) goes out of a station/enters the station, the background system 900 determines whether the biometric information of the transaction occurrence object has a corresponding primary user identifier in the user association relationship, and sends an action instruction to the subway background 800 when determining that the corresponding primary user identifier exists, and pre-authorizes the primary user identifier according to the interval fee from the subway background 800 to complete the transaction.

The subway gate 700 is used for opening or closing the gate according to the action instruction from the subway background 800, and the subway gate 700 is also configured to obtain the biometric information of the transaction occurrence object and send the biometric information to the background system 900 through the subway background 800.

The subway background 800 is used to record the inbound/outbound site information according to an instruction from the background system 900 and inform the subway gate 700 to open the gate after the recording of the inbound/outbound site information is completed, and the subway background 800 is used to calculate the section cost according to the inbound site information and the outbound site information.

Among them, the mobile terminal 500 includes:

an obtaining module 510 for obtaining biometric information of an affiliated user;

a request module 520, configured to send a binding request to the background system 900 based on the primary user identifier and the biometric information of the secondary user, so that the primary user identifier and the biometric information of the secondary user are associated; and

the result receiving module 530 receives pre-authorized transaction result information from the backend system 900.

Wherein the backend system 900 comprises:

a data receiving module 910, configured to receive a main user identifier and biometric information of an auxiliary user;

a database 920, configured to store the primary user identifier and the biometric information of the secondary user in an associated manner, and store a user association relationship between the primary user identifier and the biometric information of the secondary user;

a setting module 930, configured to open a pre-authorization transaction right for the affiliated user; and

the data processing module 940 is configured to receive biometric information of a transaction occurrence object, determine whether the biometric information of the transaction occurrence object has a corresponding primary user identifier in the user association relationship stored in the database 920, send an action instruction to the subway backend 800 when it is determined that the corresponding primary user identifier exists, and pre-authorize the primary user identifier based on the interval cost from the subway backend 800 to complete the transaction.

The data processing module 940 performs the following actions:

receiving first biological characteristic information (for example, biological characteristic information of an auxiliary user when the user enters the subway station) of a transaction occurrence object, judging whether the first biological characteristic information of the transaction occurrence object has a corresponding main user identifier in the user association relationship, and sending a first action instruction (for example, informing a subway background 800 to record first transaction related data and opening the subway station gate 700) when judging that the corresponding main user identifier exists;

receiving second biological characteristic information of a transaction occurrence object, judging whether the second biological characteristic information of the transaction occurrence object has a corresponding main user identifier in the user association relation, and sending a second action instruction (for example, informing a subway background 800 to record second transaction related data and opening the subway gate 700) under the condition that the corresponding main user identifier is judged to exist; and

transaction related data (e.g. first transaction related data and second transaction related data, or a difference thereof) is received and a pre-authorization to complete a transaction is performed based on the transaction related data and the primary user identification.

In addition, in the above description, the subway background and background system are separately described, and as a variation, the subway background and background system may be formed by one platform.

The present invention also provides a computer readable medium, on which a computer program is stored, which, when executed by a processor, implements the above-mentioned data processing method based on user binding relationship.

The invention also provides a computer device, which comprises a storage module, a processor and a computer program stored on the storage module and capable of running on the processor, wherein the processor executes the computer program, and the data processing method based on the user binding relationship is described above.

The above examples mainly illustrate the data processing method based on user binding relationship and the data processing system based on user binding relationship of the present invention. Although only a few embodiments of the present invention have been described in detail, those skilled in the art will appreciate that the present invention may be embodied in many other forms without departing from the spirit or scope thereof. Accordingly, the present examples and embodiments are to be considered as illustrative and not restrictive, and various modifications and substitutions may be made therein without departing from the spirit and scope of the present invention as defined by the appended claims.

Claims

1. A data processing method based on user binding relationship is characterized by comprising the following steps:

a transaction data acquisition step for acquiring transaction related data; and

2. The data processing method based on user binding relationship according to claim 1,

in the pre-authorization step, an additional condition of the pre-authorization transaction right is further set,

3. The data processing method based on user binding relationship according to claim 1,

and under the condition that the main user identification is the mobile terminal identification, in the data processing step, performing pre-authorization to complete the transaction based on the payment account corresponding to the mobile terminal identification.

4. The data processing method based on user binding relationship according to claim 1,

and under the condition that the master user identification is the application identification, in the data processing step, performing pre-authorization to complete the transaction based on the payment account corresponding to the application identification.

5. The data processing method based on user binding relationship according to claim 1,

and under the condition that the master user identification is a payment account, in the data processing step, performing pre-authorization based on the payment account to complete the transaction.

6. A data processing method based on user binding relationship is characterized by being realized by a mobile terminal, an industry terminal and a background system, and comprises the following steps:

7. A data processing method based on user binding relationship is characterized by comprising the following steps:

8. The data processing method based on user binding relationship according to claim 7,

the pre-authorized transaction right also includes additional conditions,

9. The data processing method based on user binding relationship according to claim 7,

the primary user account is any one of a mobile terminal identification, an application identification and a payment account.

10. A data processing method based on user binding relationship is characterized by comprising the following steps:

11. The data processing method based on user binding relationship of claim 10,

12. The data processing method based on user binding relationship of claim 10,

13. The data processing method based on user binding relationship of claim 10,

14. The data processing method based on user binding relationship of claim 10,

and under the condition that the main user identification is the application identification, in the data processing step, performing pre-authorization to complete the transaction based on the payment account bound by the application identification.

15. The data processing method based on user binding relationship of claim 10, wherein the data processing step comprises:

16. A data processing method based on user binding relationship is characterized by being realized by a mobile terminal, an industry background and a background system, and comprises the following steps:

17. A data processing method based on user binding relationship is characterized in that,

18. The user binding relationship-based data processing method of claim 17,

19. The user binding relationship-based data processing method of claim 17,

20. The user binding relationship-based data processing method of claim 17,

21. The user binding relationship-based data processing method of claim 17,

22. The data processing method based on user binding relationship of claim 10,

the data processing step includes:

23. A data processing system based on user binding relationships, comprising:

24. The user binding based data processing system of claim 23,

in the pre-authorization module, an additional condition of the pre-authorization transaction right is further set,

25. The user binding based data processing system of claim 23,

the master user identification is any one of a mobile terminal identification, an application identification and a payment account.

26. A mobile terminal, comprising:

27. A backend system, comprising:

28. The backend system of claim 27,

the setting module further sets additional conditions for the pre-authorized transaction right,

29. The backend system of claim 27,

the data processing module performs the following actions:

30. A backend system, comprising:

31. A backend system according to claim 30, comprising:

32. The backend system of claim 30,

the data processing module performs the following actions:

33. A computer-readable medium, having stored thereon a computer program,

the computer program, when executed by a processor, implements the data processing method based on user binding relationship of any one of claims 1 to 22.

34. A computer device comprising a storage module, a processor and a computer program stored on the storage module and executable on the processor, wherein the processor implements the data processing method based on the user binding relationship according to any one of claims 1 to 22 when executing the computer program.