阅读说明：本技术 一种支持数字人民币支付的智能公交车车载终端 (Intelligent bus vehicle-mounted terminal supporting digital RMB payment ) 是由 张世强 孙宏飞 钱贵涛 赵岩 王金刚 于 2021-06-22 设计创作，主要内容包括：本发明公开了一种支持数字人民币支付的智能公交车车载终端,通过实时与远程支付控制中心通信进行支付确认,以提高公交车乘车支付的安全性。远程支付控制中心,包括：多个区域验证服务器以及总端验证服务器；区域验证服务器用于在给定的通讯距离内与车载支付终端进行实时通讯,并对车载支付终端上传的生物特征识别支付信息进行乘客身份验证；验证通过后,再将乘客的生物特征识别支付信息和一次验证成功信息发送总端验证服务器进行二次验证。必须两次验证都通过才能对乘客账户进行扣费,从而提高了远程验证支付的安全性。(The invention discloses an intelligent bus-mounted terminal supporting digital RMB payment, which is communicated with a remote payment control center in real time to confirm payment so as to improve the safety of bus payment. A remote payment control center comprising: a plurality of regional authentication servers and a head end authentication server; the regional verification server is used for carrying out real-time communication with the vehicle-mounted payment terminal within a given communication distance and carrying out passenger identity verification on the biological characteristic identification payment information uploaded by the vehicle-mounted payment terminal; after the verification is passed, the biometric feature identification payment information of the passenger and the information of successful primary verification are sent to a main verification server for secondary verification. The passenger account can be deducted only by passing through two times of verification, so that the safety of remote verification payment is improved.)

1. The utility model provides a support intelligent bus car vehicle-mounted terminal of payment of digital RMB, reminds terminal, on-vehicle dispatch operation terminal and on-vehicle payment terminal including on-vehicle arrival, its characterized in that: through communicating in real time with a remote payment control center for payment confirmation, the remote payment control center comprising: a plurality of regional authentication servers and a head end authentication server;

the area verification server is used for carrying out real-time communication with the vehicle-mounted payment terminal within a given communication distance, analyzing the encrypted and packaged second passenger payment data packet uploaded by the vehicle-mounted payment terminal and verifying the passenger identity information; after the verification is passed, the second passenger payment data packet and the primary verification success information are sent to the main terminal verification server, the passenger binding account is deducted through a deduction module according to the secondary verification success information sent by the main terminal verification server, and meanwhile, the payment information is sent to the vehicle-mounted payment terminal and the main terminal verification server; the second payment information is biological characteristic identification payment information; the passenger binding account is a digital RMB account;

and the main terminal verification server is used for decrypting the second passenger payment data packet by using the server identity verification code corresponding to the area verification server and then carrying out secondary identity verification, if the second passenger payment data packet passes the verification, sending verification success information to the area verification server, and classifying and storing the payment information returned by the area verification server.

2. The intelligent bus-mounted terminal supporting digital RMB payment as claimed in claim 1, wherein the bus-mounted payment terminal comprises a first payment acquisition device, a second payment acquisition device and a main control unit;

the first payment acquisition equipment is used for acquiring passenger payment information in an acquisition mode of automatic coin feeding payment, card swiping payment and code scanning payment;

the second payment acquisition equipment is used for acquiring passenger payment information in a biometric identification payment acquisition mode; the biometric payment comprises fingerprint recognition payment and face recognition payment;

the main control unit is used for sending vehicle-mounted identity identification information to the main terminal verification server, calling a preset vehicle-mounted terminal shift schedule to determine the regional verification server of the vehicle-mounted terminal circuit path after the vehicle-mounted identity verification is successful, and informing the main terminal verification server to configure payment deduction operation environments of the first payment acquisition equipment and the second payment acquisition equipment for the vehicle-mounted terminal respectively.

3. The intelligent bus-mounted terminal supporting digital RMB payment as claimed in claim 2, wherein the head end verification server is further configured to periodically determine whether the communication between the head end verification server and each of the regional verification servers is abnormal or not while acquiring payment information and classifying and storing the payment information after decrypting the second passenger payment data packet by using the server authentication code corresponding to the regional verification server, and alarm if the communication is abnormal.

4. The intelligent bus-mounted terminal supporting digital RMB payment as claimed in claim 3, wherein said fee deduction module comprises a first fee deduction sub-module and a second fee deduction sub-module;

the first fee deduction submodule is used for automatically deducting fees under the payment fee deduction operating environment of the passenger adopting the first payment acquisition equipment;

and the second payment deduction sub-module is used for automatically deducting the fee under the payment deduction operating environment of the passenger adopting the second payment acquisition equipment.

5. The intelligent bus-mounted terminal supporting digital RMB payment as claimed in claim 4, wherein said automatic payment under the payment deduction operation environment of the passenger using said first payment collecting device comprises:

identifying whether the payment mode of the passenger belongs to card swiping payment or code scanning payment; if the payment is card swiping payment, determining whether the current passenger bus card information is matched with certain registered information in the fee deduction list or not based on a preset fee deduction list, and automatically deducting the fee in a background if the current passenger bus card information is matched with the certain registered information in the fee deduction list; if the payment belongs to code scanning payment, starting a correlation program to communicate with each large payment platform, determining whether code scanning information provided by a user is matched with information in a user list of any payment platform, and automatically deducting the fee if the code scanning information provided by the user is matched with the information in the user list of any payment platform;

the passenger adopts the automatic deduction is carried out under the payment deduction operation environment of second payment collection equipment, include:

fingerprint identification payment and face identification payment information of passengers are collected at the same time, and a user identity identification information data packet is generated based on the fingerprint identification payment and the face identification payment information; respectively checking whether the fingerprint information and the face information are legal users of equipment authentication; if so, determining that the user information is correct and authorizing to carry out payment settlement; otherwise, prompting that the verification fails and the subsequent payment settlement can not be continued, wherein the settlement mode adopts a digital RMB form.

6. The intelligent bus-mounted terminal supporting digital RMB payment as claimed in any one of claim 5, wherein said checking whether the fingerprint information and the face information are both legal users of the equipment authentication comprises:

communicating with the area verification server to determine whether the currently uploaded fingerprint information can be found in the fingerprint information database, and if so, determining that the verification is passed;

judging whether the currently uploaded fingerprint information can be found in a fingerprint information database through an equation (1);

where o is the currently uploaded fingerprint information and p_iIs the ith fingerprint in the fingerprint information database, t represents the total number of fingerprints in the fingerprint information database, 1<＝i<＝t，l_n(. indicates the features extracted using the twin network trained with contrast loss, f_o(v) de-noising the fingerprint information, o', p_i' represents the fingerprint information after binarization; fa represents the maximum similarity between the currently uploaded fingerprint and the fingerprint in the fingerprint information database, and if the similarity is greater than a threshold value, the currently uploaded fingerprint information can be found in the fingerprint information database;

communicating with the regional verification server to determine whether the currently uploaded face information can be found in the face information database, and if so, determining that the verification is passed;

judging whether the currently uploaded face information can be found in a face information database or not through an equation (2);

where r is the currently uploaded face information, b_jIs the j-th individual face in the face information database, s represents the total number of faces in the face information database, 1<＝j<＝s，l_m(. indicates the features extracted using the twin network trained with contrast loss, f_r(. X) represents extraction of five-sense features, r', b, using a cross entropy trained convolution network_i' represents the serialized face information; rl represents the maximum similarity between the currently uploaded face and the face in the face information database, and if the similarity is greater than a threshold value, the currently uploaded face information can be found in the face information database.

7. The intelligent bus-mounted terminal supporting digital RMB payment as claimed in claim 6, wherein the process of encrypting and packaging the second passenger payment data packet comprises:

encrypting the second payment information, the time when uploading and the position information into encrypted information of a fixed number of bits based on a first encryption algorithm; encrypting the vehicle-mounted identity recognition information into encrypted information of a fixed number of bits based on a second encryption algorithm; the two pieces of encrypted information form a complete information;

the first encryption algorithm has a higher level of confidentiality than the second encryption algorithm; a decryption algorithm of the first encryption algorithm and a decryption algorithm of the second encryption algorithm are built in the corresponding area verification server;

and configuring the second encryption algorithm or the third encryption algorithm to encrypt the area authentication service identity verification code.

8. The intelligent bus-mounted terminal supporting digital RMB payment as claimed in claim 7, wherein said user ID information data packet comprises: fingerprint information, face information, and user information-temporary id;

after verifying that the fingerprint information and the face information are legal users authenticated by equipment, determining the user information-temporary id as user authorized information and authorizing to carry out payment settlement; otherwise, prompting that the verification fails and the subsequent payment settlement can not be continued.

9. The intelligent bus-mounted terminal supporting digital RMB payment as claimed in claim 8, wherein said determining said user information-temporary id as user authorized information and authorizing payment settlement comprises:

replacing the user information-temporary id with user authorized information, wherein the user authorized information is verification information generated after the fingerprint information and the face information are combined and encrypted;

and searching whether the information matched with the verification information exists in the authorization information database, and determining that the payment settlement can be authorized when the matching degree is consistent.

Technical Field

The invention relates to the technical field of intelligent bus taking payment, in particular to an intelligent bus-mounted terminal supporting digital RMB payment.

Background

With the continuous development of information network technology, people have more and more scenes of applying digital RMB in life, at present, the main mode of using the digital RMB is to scan a two-dimensional code and pay through a bound bank account, and the mode of scanning the code and paying can be applied to bus taking payment of public transport and subway, but the operation of opening the two-dimensional code still needs to be carried out by a mobile phone every time of taking a bus, so that the operation is not convenient enough; meanwhile, the recognition rate of the two-dimensional code recognition device on the existing bus is general, and the phenomenon that the passengers getting on the bus behind the bus are affected due to the fact that the passengers getting on the bus are blocked at the bus door due to code scanning failure often occurs. In addition, the bus passengers also comprise a large number of special passengers, including the old, children, soldiers, disabled people and the like, and the riding treatment of the special passengers is different, so that the preferential treatment of riding enjoyment through two-dimensional code payment cannot be realized.

In other prior patents and academic articles, bus taking payment methods using face recognition and fingerprint recognition are proposed, most of the bus taking payment methods are realized by connecting a bus terminal with a payment server, but the remote payment verification has a large payment risk.

Disclosure of Invention

The invention provides an intelligent bus-mounted terminal supporting digital RMB payment, which aims to overcome the technical problem.

The invention discloses an intelligent bus vehicle-mounted terminal supporting digital RMB payment, which comprises a vehicle-mounted arrival reminding terminal, a vehicle-mounted scheduling operation terminal and a vehicle-mounted payment terminal, wherein the vehicle-mounted arrival reminding terminal, the vehicle-mounted scheduling operation terminal and the vehicle-mounted payment terminal are communicated with a remote payment control center in real time to confirm payment, and the remote payment control center comprises: a plurality of regional authentication servers and a head end authentication server; the area verification server is used for carrying out real-time communication with the vehicle-mounted payment terminal within a given communication distance, analyzing the encrypted and packaged second passenger payment data packet uploaded by the vehicle-mounted payment terminal and verifying the passenger identity information; after the verification is passed, the second passenger payment data packet and the primary verification success information are sent to the main terminal verification server, the passenger binding account is deducted through a deduction module according to the secondary verification success information sent by the main terminal verification server, and meanwhile, the payment information is sent to the vehicle-mounted payment terminal and the main terminal verification server; the second payment information is biological characteristic identification payment information; the passenger binding account is a digital RMB account; and the main terminal verification server is used for decrypting the second passenger payment data packet by using the server identity verification code corresponding to the area verification server and then carrying out secondary identity verification, if the second passenger payment data packet passes the verification, sending verification success information to the area verification server, and classifying and storing the payment information returned by the area verification server.

Further, the vehicle-mounted payment terminal comprises a first payment acquisition device, a second payment acquisition device and a main control unit;

the first payment acquisition equipment is used for acquiring passenger payment information in an acquisition mode of automatic coin feeding payment, card swiping payment and code scanning payment;

the second payment acquisition equipment is used for acquiring passenger payment information in a biometric identification payment acquisition mode; the biometric payment comprises fingerprint recognition payment and face recognition payment;

the main control unit is used for sending vehicle-mounted identity identification information to the main terminal verification server, calling a preset vehicle-mounted terminal shift schedule to determine the regional verification server of the vehicle-mounted terminal circuit path after the vehicle-mounted identity verification is successful, and informing the main terminal verification server to configure payment deduction operation environments of the first payment acquisition equipment and the second payment acquisition equipment for the vehicle-mounted terminal respectively.

Further, the head end verification server is further configured to periodically determine whether communication between the head end verification server and each of the area verification servers is abnormal or not while decrypting the second passenger payment data packet with the server identity verification code corresponding to the area verification server and obtaining payment information and classifying and storing the payment information, and alarm if the communication between the head end verification server and each of the area verification servers is abnormal.

Further, the fee deduction module comprises a first fee deduction submodule and a second fee deduction submodule; the first fee deduction submodule is used for automatically deducting fees under the payment fee deduction operating environment of the passenger adopting the first payment acquisition equipment; and the second payment deduction sub-module is used for automatically deducting the fee under the payment deduction operating environment of the passenger adopting the second payment acquisition equipment.

Further, the automatic deduction is carried out in the payment deduction operation environment of the passenger adopting the first payment collection device, and the method comprises the following steps: identifying whether the payment mode of the passenger belongs to card swiping payment or code scanning payment; if the payment is card swiping payment, determining whether the current passenger bus card information is matched with certain registered information in the fee deduction list or not based on a preset fee deduction list, and automatically deducting the fee in a background if the current passenger bus card information is matched with the certain registered information in the fee deduction list; if the payment belongs to code scanning payment, starting a correlation program to communicate with each large payment platform, determining whether code scanning information provided by a user is matched with information in a user list of any payment platform, and automatically deducting the fee if the code scanning information provided by the user is matched with the information in the user list of any payment platform;

the passenger adopts the automatic deduction is carried out under the payment deduction operation environment of second payment collection equipment, include: fingerprint identification payment and face identification payment information of passengers are collected at the same time, and a user identity identification information data packet is generated based on the fingerprint identification payment and the face identification payment information; respectively checking whether the fingerprint information and the face information are legal users of equipment authentication; if so, determining that the user information is correct and authorizing to carry out payment settlement; otherwise, prompting that the verification fails and the subsequent payment settlement can not be continued, wherein the settlement mode adopts a digital RMB form.

Further, the verifying whether the fingerprint information and the face information are both legal users of the device authentication includes: communicating with the area verification server to determine whether the currently uploaded fingerprint information can be found in the fingerprint information database, and if so, determining that the verification is passed;

judging whether the currently uploaded fingerprint information can be found in a fingerprint information database through an equation (1);

where o is the currently uploaded fingerprint information and p_iIs the ith fingerprint in the fingerprint information database, t represents the total number of fingerprints in the fingerprint information database, 1<＝i<＝t，l_n(. indicates the features extracted using the twin network trained with contrast loss, f_o(v) de-noising the fingerprint information, o', p_i' represents the fingerprint information after binarization; fa represents the maximum similarity between the currently uploaded fingerprint and the fingerprint in the fingerprint information database, and if the similarity is greater than a threshold value, the currently uploaded fingerprint information can be found in the fingerprint information database;

communicating with the regional verification server to determine whether the currently uploaded face information can be found in the face information database, and if so, determining that the verification is passed;

judging whether the currently uploaded face information can be found in a face information database or not through an equation (2);

where r is the currently uploaded face information, b_jIs the j-th individual face in the face information database, s represents the total number of faces in the face information database, 1<＝j<＝s，l_m(. indicates the features extracted using the twin network trained with contrast loss, f_r(. X) represents extraction of five-sense features, r', b, using a cross entropy trained convolution network_i' represents the serialized face information; rl denotes the current uploadThe maximum similarity between the face and the face in the face information database is greater than the threshold value, and the similarity indicates that the currently uploaded face information can be found in the face information database.

Further, the process of the second passenger payment data packet being encrypted and packaged comprises: encrypting the second payment information, the time when uploading and the position information into encrypted information of a fixed number of bits based on a first encryption algorithm; encrypting the vehicle-mounted identity recognition information into encrypted information of a fixed number of bits based on a second encryption algorithm; the two pieces of encrypted information form a complete information; the first encryption algorithm has a higher level of confidentiality than the second encryption algorithm; a decryption algorithm of the first encryption algorithm and a decryption algorithm of the second encryption algorithm are built in the corresponding area verification server; and configuring the second encryption algorithm or the third encryption algorithm to encrypt the area authentication service identity verification code.

Further, the user identification information data packet includes: fingerprint information, face information, and user information-temporary id; after verifying that the fingerprint information and the face information are legal users authenticated by equipment, determining the user information-temporary id as user authorized information and authorizing to carry out payment settlement; otherwise, prompting that the verification fails and the subsequent payment settlement can not be continued.

Further, the determining that the user information-temporary id is user authorized information and authorizing payment settlement includes: replacing the user information-temporary id with user authorized information, wherein the user authorized information is verification information generated after the fingerprint information and the face information are combined and encrypted; and searching whether the information matched with the verification information exists in the authorization information database, and determining that the payment settlement can be authorized when the matching degree is consistent.

The invention carries out payment confirmation by communicating with the remote payment control center in real time so as to improve the safety of bus taking payment. A remote payment control center comprising: a plurality of regional authentication servers and a head end authentication server; the regional verification server is used for carrying out real-time communication with the vehicle-mounted payment terminal within a given communication distance and carrying out passenger identity verification on the biological characteristic identification payment information uploaded by the vehicle-mounted payment terminal; after the verification is passed, the biometric feature identification payment information of the passenger and the information of successful primary verification are sent to a main verification server for secondary verification. The passenger account can be deducted only by passing through two times of verification, so that the safety of remote verification payment is improved.

Drawings

In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings needed to be used in the description of the embodiments or the prior art will be briefly introduced below, and it is obvious that the drawings in the following description are some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to these drawings without creative efforts.

Fig. 1 is a schematic structural diagram of an intelligent bus-mounted terminal supporting digital rmb payment according to the present invention.

Detailed Description

In order to make the objects, technical solutions and advantages of the embodiments of the present invention clearer, the technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are some, but not all, embodiments of the present invention. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.

As shown in fig. 1, the embodiment provides an intelligent bus vehicle-mounted terminal supporting digital rmb payment, which includes a vehicle-mounted arrival reminding terminal, a vehicle-mounted dispatching operation terminal, and a vehicle-mounted payment terminal (the vehicle-mounted arrival reminding terminal and the vehicle-mounted dispatching operation terminal belong to the existing prior art, and are not related to the invention, and will not be described in detail here). Through communicate in real time with remote payment control center in order to carry out payment confirmation, remote payment control center includes: a plurality of regional authentication servers and a head end authentication server;

the system comprises a plurality of regional verification servers, a payment verification system, a biological characteristic verification system, a user account database and a biological characteristic database, wherein the regional verification servers are distributed in each bus route region of a city and comprise the payment verification system, the biological characteristic verification system, the user account database and the biological characteristic database. The user logs in a bus service system in advance before taking a bus, and the bus service system is connected with the area verification server. The user needs to input personal basic information and personal bank card information, and binds the bank card recharge amount, and the information is stored in the user account database. Then inputting personal biological characteristic information, wherein the biological characteristic information comprises face information and fingerprint information, and can also input information such as iris, voiceprint and the like, and the personal biological characteristic information is stored in a biological characteristic database.

The regional verification server is used for carrying out real-time communication with the vehicle-mounted payment terminal within a given communication distance, analyzing the encrypted and packaged second passenger payment data packet uploaded by the vehicle-mounted payment terminal and verifying the passenger identity information; after the verification is passed, sending the second passenger payment data packet and the primary verification success information to a main verification server, deducting the passenger binding account through a deduction module according to the secondary verification success information sent by the main verification server, and sending the payment information to the vehicle-mounted payment terminal and the main verification server; the second payment information is biological characteristic identification payment information; the passenger binding account is a digital RMB account;

the main terminal verification server also comprises a payment verification system, a biological characteristic verification system, a user account database and a biological characteristic database. But the data in the biological characteristic database in the main terminal verification server is based on the biological characteristic data of the public security system, and the reliability and the recognition degree of the data are higher compared with those of the biological characteristic data in the regional verification server.

The function of the main terminal verification server is used for carrying out secondary identity verification after the second passenger payment data packet is decrypted by using the server identity verification code corresponding to the area verification server, if the second passenger payment data packet passes the verification, the successful verification information is sent to the area verification server, and the payment information returned by the area verification server is classified and stored.

In this embodiment, the vehicle-mounted payment terminal includes a first payment acquisition device, a second payment acquisition device and a main control unit;

the first payment acquisition equipment is used for acquiring passenger payment information in an acquisition mode of automatic coin feeding payment, card swiping payment and code scanning payment;

the second payment acquisition equipment is used for acquiring passenger payment information in a biometric identification payment acquisition mode; biometric payments include fingerprint payments and face payments. The second payment collection equipment, including face identification ware, fingerprint identification ware, two kinds at least in the iris recognizer, the voiceprint recognizer, adopt dual authentication's purpose, because some face identification equipment, the risk that B is discerned as A probably appears when facing masses face, the benefit of dual authentication is when reducing the risk, suitably reduces the equipment cost to face identification equipment's precision requirement.

In the embodiment, a biological feature recognition combination of a face recognizer and a fingerprint recognizer is adopted, after a passenger gets on a vehicle, the passenger looks at the face recognizer from the front, the face recognizer recognizes the face feature information of the first biological feature information, and the acquired face information is used for matching with the face feature information of the user stored in the biological feature server to obtain a matching degree result 1. The passenger inputs fingerprint information through the fingerprint recognizer, the fingerprint recognizer recognizes the fingerprint characteristic information of the second biological characteristic information, the collected fingerprint information is matched with the user fingerprint information stored in the biological characteristic server to obtain a matching degree result 2, and the user account information to which the biological characteristic information of the user belongs is called in the payment server according to the matching degree result to send a payment information confirmation instruction.

And the main control unit is used for sending the vehicle-mounted identity identification information to the master verification server, calling a preset vehicle-mounted terminal shift schedule to determine the area verification server of the vehicle-mounted terminal circuit path after the vehicle-mounted identity verification is successful, and informing the master verification server to configure payment deduction operation environments of the first payment acquisition equipment and the second payment acquisition equipment for the vehicle-mounted terminal respectively.

In this embodiment, the head end verification server is further configured to periodically determine whether communication between the head end verification server and each of the area verification servers is abnormal or not while decrypting the second passenger payment data packet with the server identity verification code corresponding to the area verification server and then obtaining payment information and storing the payment information in a classified manner, and alarm if the communication between the head end verification server and each of the area verification servers is abnormal.

In this embodiment, the fee deduction module includes a first fee deduction submodule and a second fee deduction submodule; the first fee deduction submodule is used for automatically deducting fees under the payment fee deduction operating environment that passengers adopt the first payment collection equipment; and the second payment deduction sub-module is used for automatically deducting the fee under the payment deduction operating environment that the passenger adopts the second payment acquisition equipment.

Wherein, the passenger adopts the process of carrying out automatic deduction under the payment deduction operational environment of first collection equipment of paying, includes: identifying whether the payment mode of the passenger belongs to card swiping payment or code scanning payment; if the payment is card swiping payment, determining whether the current passenger bus card information is matched with certain registered information in the fee deduction list or not based on a preset fee deduction list, and automatically deducting the fee in a background mode if the current passenger bus card information is matched with the certain registered information in the fee deduction list; if the payment belongs to code scanning payment, starting a correlation program to communicate with each large payment platform, determining whether code scanning information provided by a user is matched with information in a user list of any payment platform, and automatically deducting the fee if the code scanning information provided by the user is matched with the information in the user list of any payment platform;

the passenger adopts the process of carrying out automatic deduction under the payment deduction operational environment of second payment collection equipment, includes: fingerprint identification payment and face identification payment information of passengers are collected at the same time, and a user identity identification information data packet is generated based on the fingerprint identification payment and the face identification payment information; respectively checking whether the fingerprint information and the face information are legal users of equipment authentication; if so, determining that the user information is correct and authorizing to carry out payment settlement; otherwise, prompting that the verification fails and the subsequent payment settlement can not be continued, wherein the settlement mode adopts a digital RMB mode.

Wherein, the process of verifying whether the fingerprint information and the face information are legal users of the equipment authentication comprises the following steps: communicating with the area verification server, determining whether the currently uploaded fingerprint information can be found in the fingerprint information database, and if so, determining that the verification is passed;

judging whether the currently uploaded fingerprint information can be found in a fingerprint information database through an equation (1);

where o is the currently uploaded fingerprint information and p_iIs the ith fingerprint in the fingerprint information database, t represents the total number of fingerprints in the fingerprint information database, 1<＝i<＝t，l_n(. indicates the features extracted using the twin network trained with contrast loss, f_o(v) de-noising the fingerprint information, o', p_i' represents the fingerprint information after binarization; fa represents the maximum similarity between the currently uploaded fingerprint and the fingerprint in the fingerprint information database, and if the similarity is greater than a threshold value, the currently uploaded fingerprint information can be found in the fingerprint information database;

communicating with a regional verification server, determining whether the currently uploaded face information can be found in a face information database, and if so, determining that the verification is passed;

judging whether the currently uploaded face information can be found in a face information database or not through an equation (2);

where r is the currently uploaded face information, b_jIs the j-th individual face in the face information database, s represents the total number of faces in the face information database, 1<＝j<＝s，l_m(. indicates the features extracted using the twin network trained with contrast loss, f_r(. X) represents extraction of five-sense features, r', b, using a cross entropy trained convolution network_i' represents the serialized face information; rl represents the maximum similarity between the currently uploaded face and the face in the face information database, and if the similarity is greater than a threshold value, the currently uploaded face information can be found in the face information database.

In this embodiment, the process of encrypting and packaging the second passenger payment data packet includes: encrypting the second payment information, the time when uploading and the position information into encrypted information of a fixed number of bits based on a first encryption algorithm; encrypting the vehicle-mounted identity recognition information into encrypted information of a fixed number of bits based on a second encryption algorithm; the two pieces of encrypted information form a complete information; the first encryption algorithm has a higher security level than the second encryption algorithm; a decryption algorithm of the first encryption algorithm and a decryption algorithm of the second encryption algorithm are built in the corresponding area verification server; and configuring a second encryption algorithm or a third encryption algorithm to encrypt the area authentication service identity authentication code.

In this embodiment, the user identification information data packet includes: fingerprint information, face information, and user information-temporary id; after the fingerprint information and the face information are verified to be legal users of equipment authentication, determining that the user information-temporary id is user authorized information and authorizing to carry out payment settlement; otherwise, prompting that the verification fails and the subsequent payment settlement can not be continued.

The method for determining the temporary id as the user information-temporary id is authorized information of the user and authorizing payment settlement comprises the following steps: replacing the user information-temporary id with user authorized information, wherein the user authorized information is verification information generated after fingerprint information and face information are combined and encrypted; and searching whether the information matched with the verification information exists in the authorization information database, and determining that the payment settlement can be authorized when the matching degree is consistent.

Finally, it should be noted that: the above embodiments are only used to illustrate the technical solution of the present invention, and not to limit the same; while the invention has been described in detail and with reference to the foregoing embodiments, it will be understood by those skilled in the art that: the technical solutions described in the foregoing embodiments may still be modified, or some or all of the technical features may be equivalently replaced; and the modifications or the substitutions do not make the essence of the corresponding technical solutions depart from the scope of the technical solutions of the embodiments of the present invention.