METHOD AND SYSTEM FOR VERIFYING IDENTITIES

• US 20150347857A1
• Filed: 05/27/2015
• Published: 12/03/2015
• Est. Priority Date: 06/03/2014
• Status: Active Grant

• Current Assignee: Advanced New Technologies Company Limited (Ant Group Co., Ltd.)
• Original Assignee: Alibaba Group Holding Ltd.
• Inventors: Li, Lizhong
• Granted Patent: US 9,704,051 B2
• Time in Patent Office: Days
• US Class Current: 1/1
• CPC Class Codes: G06F 18/256 of results relating to different input data, e.g. multimodal recognition
• CPC Class Codes: G06F 2218/08 Feature extraction
• CPC Class Codes: G06Q 20/40145 Biometric identity checks
• CPC Class Codes: G06V 10/811 the classifiers operating on different input data, e.g. multi-modal recognition
• CPC Class Codes: G06V 30/248 involving plural approaches, e.g. verification by template match; Resolving confusion among similar patterns, e.g. "O" versus "Q" G06V30/242 takes precedence
• CPC Class Codes: G06V 40/1359 Extracting features related to ridge properties; Determining the fingerprint type, e.g. whorl or loop
• CPC Class Codes: G06V 40/1365 Matching; Classification
• CPC Class Codes: G06V 40/1376 Matching features related to ridge properties or fingerprint texture
• CPC Class Codes: G06V 40/197 Matching; Classification
• CPC Class Codes: G06V 40/70 Multimodal biometrics, e.g. combining information from different biometric modalities

Abstract

Verifying identities includes obtaining feature point information based at least in part on biometric information collected from a to-be-verified user to form a to-be-verified feature point information set, the to-be-verified feature point information set identifying the to-be-verified user, comparing the to-be-verified feature point information set with preset feature point information sets that were stored in advance, and in the event that a degree of match between the to-be-verified feature point information set and a preset feature point information set is less than a first predetermined threshold value, and is greater than a second predetermined threshold value: receiving verification data entered by the to-be-verified user, comparing the verification data with preset data corresponding to the preset feature point information set, and in the event that the verification data and the preset data are the same, verifying the to-be-verified user.

Claims

1. A method, comprising:

obtaining feature point information based at least in part on biometric information collected from a to-be-verified user to form a to-be-verified feature point information set, the to-be-verified feature point information set identifying the to-be-verified user;

comparing the to-be-verified feature point information set with preset feature point information sets that were stored in advance; and

in the event that a degree of match between the to-be-verified feature point information set and a preset feature point information set is less than a first predetermined threshold value, and is greater than a second predetermined threshold value;

receiving verification data entered by the to-be-verified user;

comparing the verification data with preset data corresponding to the preset feature point information set; and

in the event that the verification data and the preset data are the same, verifying the to-be-verified user.

2. The method as described in claim 1, wherein in the event that the degree of match is greater than the first predetermined threshold value, verifying the to-be-verified user.

3. The method as described in claim 1, wherein:

the biometric information of the to-be-verified user is determined by at least;

collecting, via a user terminal, the biometric information;

sending, via the user terminal, a message to a server, the message including the biometric information; and

receiving, via the server, the biometric information;

the obtaining of the feature point information from the biometric information comprises extracting, via the server, the feature point information from the biometric information to form the to-be-verified feature point information set;

the comparing of the to-be-verified feature point information set with the preset feature point information sets that were stored in advance comprises comparing, via the server, the to-be-verified feature point information set with the preset feature point information sets that were stored in advance;

the receiving of the verification data entered by the to-be-verified user comprises receiving, via the server, the verification data entered by the to-be-verified user;

the comparing of the verification data with the preset data comprises comparing, via the server, the verification data with the preset data corresponding to the preset feature point information set; and

the verifying of the to-be-verified user comprises verifying, via the server, the to-be-verified user.

4. The method as described in claim 1, wherein:

the biometric information of the to-be-verified user is determined by at least;

collecting, via a user terminal, the biometric information;

the obtaining of the feature point information from the biometric information comprises;

extracting, via the user terminal, feature point information from the biometric information to form the to-be-verified feature point information set;

sending, via the user terminal, a message to a server, the message including the to-be-verified feature point information set; and

receiving, via the server, the to-be-verified feature point information set;

the comparing of the to-be-verified feature point information set with the preset feature point information sets that were stored in advance comprises comparing, via the server, the to-be-verified feature point information set with the preset feature point information sets that were stored in advance;

the receiving of the verification data entered by the to-be-verified user comprises receiving, via the server, the verification data entered by the to-be-verified user;

the comparing of the verification data with the preset data comprises comparing, via the server, the verification data with the preset data corresponding to the preset feature point information set; and

the verifying of the to-be-verified user comprises verifying, via the server, the to-be-verified user.

5. The method as described in claim 3, further comprising:

in the event that the degree of match is greater than the first predetermined threshold value;

acquiring, via the server, location information of a predetermined positioning terminal of the to-be-verified user;

determining whether the predetermined positioning terminal and the user terminal that collected the biometric information of the to-be-verified user are in a same location; and

in the event that the predetermined positioning terminal and the user terminal are not in the same location, receiving, via the server, the verification data entered by the to-be-verified user, comprising;

comparing, via the server, the verification data with the preset data corresponding to the preset feature point information set; and

in the event that the verification data and the preset data are the same, verifying, via the server, to-be-verified user.

6. The method as described in claim 5, further comprising:

in the event that the predetermined positioning terminal and the user terminal are in the same location, verifying the to-be-verified user.

7. The method as described in claim 5, wherein the message includes location information of the user terminal.

8. The method as described in claim 1, further comprising:

receiving business data entered by the to-be-verified user;

in the event that the degree of match is greater than the first predetermined threshold value, comparing the business data with a preset rule; and

in the event that the business data does not comply with the preset rule;

receiving the verification data entered by the to-be-verified user;

comparing the verification data with the preset data corresponding to the preset feature point information set; and

in the event that the verification data and the preset data are the same, verifying the to-be-verified user.

9. The method as described in claim 8, wherein:

the business data includes a spending amount; and

the preset rule corresponds to a spending amount interval determined based on an analysis of historical spending records of the to-be-verified user, the business data being required to fall within the spending amount interval.

10. The method as described in claim 8, wherein:

the business data is a spending amount;

the preset rule corresponds to a mean or average spending value determined based on an analysis of the historical spending records of the to-be-verified user; and

the business data is to be less than a multiple of the mean or average spending value.

12. The system as described in claim 10, wherein in the event that the degree of match is greater than the first predetermined threshold value, verify the to-be-verified user.

13. The system as described in claim 10, wherein:

the biometric information of the to-be-verified user is determined by at least;

collect, via a user terminal, the biometric information;

send, via the user terminal, a message to a server, the message including the biometric information; and

receive, via the server, the biometric information;

the obtaining of the feature point information from the biometric information comprises extract, via the server, the feature point information from the biometric information to form the to-be-verified feature point information set;

the comparing of the to-be-verified feature point information set with the preset feature point information sets that were stored in advance comprises compare, via the server, the to-be-verified feature point information set with the preset feature point information sets that were stored in advance;

the receiving of the verification data entered by the to-be-verified user comprises receive, via the server, the verification data entered by the to-be-verified user;

the comparing of the verification data with the preset data comprises compare, via the server, the verification data with the preset data corresponding to the preset feature point information set; and

the verifying of the to-be-verified user comprises verify, via the server, the to-be-verified user.

14. The system as described in claim 10, wherein:

the biometric information of the to-be-verified user is determined by at least;

collect, via a user terminal, the biometric information;

the obtaining of the feature point information from the biometric information comprises;

extract, via the user terminal, feature point information from the biometric information to form the to-be-verified feature point information set;

send, via the user terminal, a message to a server, the message including the to-be-verified feature point information set; and

receive, via the server, the to-be-verified feature point information set;

the comparing of the to-be-verified feature point information set with the preset feature point information sets that were stored in advance comprises compare, via the server, the to-be-verified feature point information set with the preset feature point information sets that were stored in advance;

the receiving of the verification data entered by the to-be-verified user comprises receive, via the server, the verification data entered by the to-be-verified user;

the comparing of the verification data with the preset data comprises compare, via the server, the verification data with the preset data corresponding to the preset feature point information set; and

the verifying of the to-be-verified user comprises verify, via the server, the to-be-verified user.

15. The system as described in claim 13, wherein the at least one processor is further configured to:

in the event that the degree of match is greater than the first predetermined threshold value;

acquire, via the server, location information of a predetermined positioning terminal of the to-be-verified user;

determine whether the predetermined positioning terminal and the user terminal that collected the biometric information of the to-be-verified user are in a same location; and

in the event that the predetermined positioning terminal and the user terminal are not in the same location, receive, via the server, the verification data entered by the to-be-verified user, comprising;

compare, via the server, the verification data with the preset data corresponding to the preset feature point information set; and

in the event that the verification data and the preset data are the same, verify, via the server, to-be-verified user.

16. The system as described in claim 15, wherein the at least one processor is further configured to:

in the event that the predetermined positioning terminal and the user terminal are in the same location, verify the to-be-verified user.

17. The system as described in claim 15, wherein the message includes location information of the user terminal.

18. The system as described in claim 10, wherein the at least one processor is further configured to:

receive business data entered by the to-be-verified user;

in the event that the degree of match is greater than the first predetermined threshold value, compare the business data with a preset rule; and

in the event that the business data does not comply with the preset rule;

receive the verification data entered by the to-be-verified user;

compare the verification data with the preset data corresponding to the preset feature point information set; and

in the event that the verification data and the preset data are the same, verify the to-be-verified user.

19. The system as described in claim 18, wherein:

the business data includes a spending amount; and

the preset rule corresponds to a spending amount interval determined based on an analysis of historical spending records of the to-be-verified user, the business data being required to fall within the spending amount interval.

20. The system as described in claim 18, wherein:

the business data is a spending amount;

the preset rule corresponds to a mean or average spending value determined based on an analysis of the historical spending records of the to-be-verified user; and

the business data is to be less than a multiple of the mean or average spending value.

11. A system, comprising:

at least one processor configured to;

obtain feature point information based at least in part on biometric information collected from a to-be-verified user to form a to-be-verified feature point information set, the to-be-verified feature point information set identifying the to-be-verified user;

compare the to-be-verified feature point information set with preset feature point information sets that were stored in advance; and

in the event that a degree of match between the to-be-verified feature point information set and a preset feature point information set is less than a first predetermined threshold value, and is greater than a second predetermined threshold value;

receive verification data entered by the to-be-verified user;

compare the verification data with preset data corresponding to the preset feature point information set; and

in the event that the verification data and the preset data are the same, verify the to-be-verified user; and

a memory coupled to the at least one processor and configured to provide the at least one processor with instructions.

21. A computer program product being embodied in a tangible non-transitory computer readable storage medium and comprising computer instructions for:

obtaining feature point information based at least in part on biometric information collected from a to-be-verified user to form a to-be-verified feature point information set, the to-be-verified feature point information set identifying the to-be-verified user;

comparing the to-be-verified feature point information set with preset feature point information sets that were stored in advance; and

in the event that a degree of match between the to-be-verified feature point information set and a preset feature point information set is less than a first predetermined threshold value, and is greater than a second predetermined threshold value;

receiving verification data entered by the to-be-verified user;

comparing the verification data with preset data corresponding to the preset feature point information set; and

in the event that the verification data and the preset data are the same, verifying the to-be-verified user.