阅读说明：本技术 一种基于ipv6和生物识别技术的金融科技应用系统和方法 (Financial science and technology application system and method based on IPV6 and biological recognition technology ) 是由 王永勤 其他发明人请求不公开姓名 于 2018-05-22 设计创作，主要内容包括：本发明专利技术涉及金融科技领域,公开了一种基于IPV6和生物识别技术的金融云系统和方法,通过基于IPV6和云技术的应用,融合对用户特有的生物特征码信息进行金融业务方面的应用；本发明利用IPV6网络、生物识别技术、大数据、人工智能技术；这是一个多元融合系统,一种多种技术融合的方法；本发明可以解决金融科技应用的安全问题,在金融业务的多种场景下应用,解决了金融业务最关心的信任问题；这是一个利用IPV6码、生物识别码、用户密码以及动态密码通过哈希算法进行数据处理的应用于金融业务的方法,这种方法可以应用到所有金融科技支持的互联网金融业务案例中,同样这种方法也可以应用到其他需要安全认证问题的业务中。(The patent technology of the invention relates to the field of financial science and technology, and discloses a financial cloud system and a method based on IPV6 and a biological recognition technology, which are used for fusing the application of financial business to the unique biological feature code information of a user through the application based on IPV6 and the cloud technology; the invention utilizes IPV6 network, biological recognition technology, big data and artificial intelligence technology; the method is a multi-element fusion system, a method for fusing multiple technologies; the invention can solve the safety problem of financial science and technology application, is applied in various scenes of financial business, and solves the trust problem most concerned by the financial business; the method is a method for processing data by utilizing IPV6 code, biological identification code, user password and dynamic password through a hash algorithm and is applied to financial services, the method can be applied to all internet financial service cases supported by financial technology, and the method can also be applied to other services requiring security authentication.)

1. the invention relates to the field of internet finance, in particular to a distributed financial technology application system and a distributed financial technology application method based on an IPV6 network and a biometric identification technology.

2. The invention provides a brand-new authentication method and system by combining the Internet IPV6 protocol technology with the user biological feature code technology, and completes the authentication between the user and the terminal and between the user and the authentication server by incomplete storage and transmission of the terminal equipment pre-bound by the user and the user biological feature code information specific to the user, thereby not only accelerating the safety authentication between two communication parties, but also ensuring the information safety problem caused by the leakage of the user information due to the server, ensuring the benefit of the user and the authenticity of the operation request sent by the user, and ensuring the uniqueness of the address code of the user terminal equipment due to the adoption of the IPV6 technology.

3. aiming at the problems of the traditional storage authentication mode, the invention provides a distributed authentication system and a distributed authentication method based on IPV6 technology and user biological characteristic code synthesis, which finish the authentication between a user and a terminal and between the user and an authentication server by accurately identifying a terminal device address code pre-bound by the user and incompletely storing and transmitting user biological characteristic code information specific to the user, thereby not only accelerating the safety authentication between two communication parties, but also ensuring that the information safety problem caused by the leakage of the server of the user information can not occur, and ensuring the authenticity of user requirements and operation.

4. The invention relates to a distributed financial science and technology application system and a method based on an IPV6 network and a biological identification technology, wherein the technologies used by the invention comprise an internet technology, an IPV6 technology, a biological identification technology, a synthesis technology, a big data technology, an artificial intelligence technology and a financial science and technology system engineering technology, and the system is a multi-element fusion system and a technical method.

5. the technical scheme adopted by the invention is a distributed authentication method based on an internet IPV6 technology and a user biological feature code technology, wherein a four-time synthesis encryption method is carried out, S101, partial extraction processing is carried out on biological identification data acquired by a terminal for the first time, wherein the biological identification data refers to user biological feature code information, can be and is not limited to any one of fingerprint information, voiceprint information and face information or any combination of the fingerprint information, the voiceprint information and the face information, the first user data encryption is finished, and the partial extraction is carried out to prevent the user feature information safety problem caused by the fact that biological identification is leaked; s102, extracting the IPV6 address of the terminal equipment for the second time, and carrying out synthesis algorithm (Hash algorithm) processing on the extracted address and the first biometric encrypted data to generate a second encrypted code, wherein the second encrypted code is used for binding the user and the specified equipment address in advance, the second encrypted code comprises but is not limited to the IPV6 address of the terminal used and preset by the user, and the second encrypted code mainly solves the authentication problem between the user and the terminal; s103, for the third time, the first encryption code, the second encryption code, the password set by the user and the address of the financial cloud service platform are synthesized and encrypted to generate a third encryption code, the third encryption code is stored in a server of the financial service system, so that the system can be used for authenticating the terminal and the server, and the password is placed in the server of the financial service system; s104, the fourth encryption is to synthesize and encrypt the third password and the dynamic password which is required to be input by the financial business system and input by the user, the password is mainly used for dealing with the problem of illegal system automatic trial password, the financial business system automatically compares the passwords, and the fourth encryption is the main innovation point of the invention, so that the problems of uniqueness of biological characteristics of the financial business system user, uniqueness of equipment scenes, undeniable user operation and authenticity of man-machine interaction are solved.

6. The technical scheme adopted by the invention is that four times of synthetic encryption method processing is carried out, S101, the first time is to carry out partial extraction processing on biological identification data acquired by a terminal, wherein the biological identification data refers to user biological feature code information and can be any one or any combination of fingerprint information, voiceprint information and face information, the first time of user data encryption is finished, and the partial extraction is carried out to prevent the safety problem of user feature information caused by the fact that biological identification is leaked; secondly, extracting the IPV6 address of the terminal equipment, and carrying out synthesis algorithm processing on the extracted address and the first biometric encrypted data to generate a second encrypted code S201, wherein the password is used for binding the user and the specified equipment address in advance, the password comprises but is not limited to the IPV6 address of the user preset for using the terminal, and can also be bound in various scenes, and the password mainly solves the authentication problem between the user and the terminal; the third time, the first encryption code, the second encryption code, the password set by the user and the address of the financial cloud service platform are synthesized and encrypted to generate a third encryption code, S301, the third encryption code is stored in a server of the financial service system so that the system can be used for authentication between the terminal and the server, and the password is placed in the server of the financial service system; the fourth encryption is to carry out composite encryption on the third password and a dynamic password which is required to be input by the financial business system and input by a user, and S401, the password is mainly used for dealing with the problem of illegal system automatic trial password, and the financial business system automatically carries out password comparison; the four times of synthetic encryption is a main innovation point of the invention, and solves the problems of uniqueness of biological characteristics and equipment scenes of financial business system users, undeniable user operation and authenticity of human-computer interaction.

7. The user information and the authentication information also comprise local equipment hardware IPV6 information, and the equipment hardware IPV6 information is transmitted to the authentication server, so that the equipment hardware IPV6 information can be used for authenticating between the terminal and the authentication server when the user and the authentication server are authenticated, and the safety of the authentication method is further improved.

8. the user biological feature code information refers to any one or any combination of fingerprint information, voiceprint information and face information; specifically, fingerprint information is collected by using a fingerprint scanning device, voiceprint information is collected by using a recording device, and face information is collected by using a camera device; the terminal is an electronic device equipped with a collection function, such as a smart phone, a smart watch, smart glasses or a tablet computer.

9. The binding refers to the preset device type and scene type of the user when the user registers in the financial service application system, and the preset device type and scene type can be one or more, and the preset device type and scene type can be preset according to the self condition of the user.

10. The technical scheme adopted by the invention provides a distributed financial science and technology application system based on an IPV6 network and a biometric identification technology, which comprises acquisition equipment, a first encryption algorithm, a second encryption algorithm, a third encryption algorithm, a fourth encryption algorithm, a financial cloud service platform storage server and a local authentication storage and financial service system authentication server.

Technical Field

The invention relates to the field of internet finance, in particular to a distributed financial technology application system and a distributed financial technology application method based on an IPV6 network and a biometric identification technology.

background

In order to ensure the safety of financial services, the financial service application system needs to perform identity information authentication or user scenario information authentication on a user who sends a service request before operating the service, so as to confirm the legitimacy and safety of the other party. The traditional identity information authentication mode is mainly a storage authentication mode, namely, a service provider establishes a corresponding relation between user information and account information when a user registers, then the user information and the account information are respectively stored in corresponding servers, and the user can realize the safety authentication of the service provider on the user by correctly inputting the account information on electronic equipment such as a computer and the like, and then business operation is carried out. However, if information leakage occurs in the server at the service provider side, serious consequences of account theft and user information leakage can occur, and the legal benefit of the user is damaged, so that the traditional storage authentication mode cannot well guarantee the benefit of the user. Aiming at the problems of the traditional storage authentication mode, a brand-new authentication method and a brand-new authentication system are provided by combining an internet IPV6 protocol technology with a user biological feature code technology, and authentication between a user and a terminal and between the user and an authentication server is completed by incomplete storage and transmission of terminal equipment pre-bound by the user and user biological feature code information specific to the user, so that not only can the safety authentication between two communication parties be accelerated, but also the information safety problem caused by leakage of the server can be ensured, and the benefit of the user and the authenticity of an operation request sent by the user can be ensured. The uniqueness of the address code of the user terminal equipment can be ensured by adopting the IPV6 technology.

Aiming at the problems of the traditional storage authentication mode, the invention provides a distributed authentication system and a distributed authentication method based on IPV6 technology and user biological characteristic code synthesis, which finish the authentication between a user and a terminal and between the user and an authentication server by accurately identifying a terminal device address code pre-bound by the user and incompletely storing and transmitting user biological characteristic code information specific to the user, thereby not only accelerating the safety authentication between two communication parties, but also ensuring that the information safety problem caused by the leakage of the server of the user information can not occur, and ensuring the authenticity of user requirements and operation.

disclosure of Invention

the invention discloses a distributed financial technology application system and a distributed financial technology application method based on an IPV6 network and a biometric identification technology. The technology used by the invention comprises an internet technology, an IPV6 technology, a biological identification technology, a synthesis technology, a big data technology, an artificial intelligence technology and a financial science and technology system engineering technology, which are a multivariate fusion system and a technical method. The Internet technology is the basis, the IPV6 technology is a new mode, the biological identification technology is the key, the synthesis technology is the innovation of the invention, the big data technology is the main component, and the artificial intelligence technology and the financial science and technology system engineering technology are methods. It is a multi-element fusion system and new technical method.

The technical scheme adopted by the invention is a distributed authentication method based on an internet IPV6 technology and a user biological feature code technology, wherein a four-time synthesis encryption method is carried out, S101, partial extraction processing is carried out on biological identification data acquired by a terminal for the first time, wherein the biological identification data refers to user biological feature code information, can be and is not limited to any one of fingerprint information, voiceprint information and face information or any combination of the fingerprint information, the voiceprint information and the face information, the first user data encryption is finished, and the partial extraction is carried out to prevent the user feature information safety problem caused by the fact that biological identification is leaked; s102, extracting the IPV6 address of the terminal equipment for the second time, and carrying out synthesis algorithm (Hash algorithm) processing on the extracted address and the first biometric encrypted data to generate a second encrypted code, wherein the second encrypted code is used for binding the user and the specified equipment address in advance, the second encrypted code comprises but is not limited to the IPV6 address of the terminal used and preset by the user, and the second encrypted code mainly solves the authentication problem between the user and the terminal; s103, extracting the first encryption code, the second encryption code, the password set by the user and the address of the financial cloud service platform for the third time, synthesizing and encrypting to generate a third encryption code, storing the third encryption code in a server of the financial service system so that the system can be used for authenticating the terminal and the server, and placing the password in the server of the financial service system; s104, the fourth encryption is to carry out composite encryption on the third password and the dynamic password which is required to be input by the financial service system and input by the user, the interactive processing process is realized, the password is judged and processed by a person and is mainly used for solving the problem of trial password of illegal systems, and the financial service system automatically carries out password comparison. The four times of synthetic encryption is the main innovation point of the invention, thus solving the problems of uniqueness of biological characteristics, uniqueness of equipment scenes, undeniable user operation and authenticity of man-machine interaction of financial business system users.

The technical scheme adopted by the invention is that four times of synthetic encryption method processing is carried out, S101, the first time is to carry out partial extraction processing on biological identification data acquired by a terminal, wherein the biological identification data refers to user biological feature code information and can be any one or any combination of fingerprint information, voiceprint information and face information, the first time of user data encryption is finished, and the partial extraction is carried out to prevent the safety problem of user feature information caused by the fact that biological identification is leaked; secondly, extracting the IPV6 address of the terminal equipment, and carrying out synthesis algorithm processing on the extracted address and the first biometric encrypted data to generate a second encrypted code S201, wherein the password is used for binding the user and the specified equipment address in advance, the password comprises but is not limited to the IPV6 address of the user preset for using the terminal, and can also be bound in various scenes, and the password mainly solves the authentication problem between the user and the terminal; the third time, the first encryption code, the second encryption code, the password set by the user and the address of the financial cloud service platform are synthesized and encrypted to generate a third encryption code, S301, the third encryption code is stored in a server of the financial service system so that the system can be used for authentication between the terminal and the server, and the password is placed in the server of the financial service system; the fourth encryption is to carry out composite encryption on the third password and the dynamic password which is required to be input by the financial business system and input by the user, and S401, the password is mainly used for dealing with the problem of illegal system automatic trial password, and the financial business system automatically carries out password comparison. The four times of synthetic encryption is a main innovation point of the invention, and solves the problems of uniqueness of biological characteristics and equipment scenes of financial business system users, undeniable user operation and authenticity of human-computer interaction.

the user information and the authentication information also include local device hardware IPV6 information. By transmitting the device hardware IPV6 information to the authentication server, it is possible to authenticate the terminal and the authentication server using the device hardware IPV6 information when authenticating the user and the authentication server, thereby further improving the security of the authentication method.

Specifically, the user biometric code information refers to any one or any combination of fingerprint information, voiceprint information and face information.

specifically, fingerprint information is collected by using a fingerprint scanning device, voiceprint information is collected by using a recording device, and face information is collected by using a camera device.

the terminal is an electronic device with a collection function, such as a smart phone, a smart watch, smart glasses or a tablet computer.

Specifically, the binding refers to one or more preset device types and scene types of the user when the user registers in the financial service application system, which are preset according to the user's own condition.

According to the technical scheme, on the other hand, the invention also provides a distributed financial science and technology application system based on the IPV6 network and the biometric identification technology, which comprises acquisition equipment, a first encryption algorithm, a second encryption algorithm, a third encryption algorithm, a fourth encryption algorithm, a financial cloud service platform storage server and a local authentication storage and financial service system authentication server.

In summary, the distributed financial technology application system and method based on the IPV6 network and the biometric identification technology provided by the present invention have the following beneficial effects:

(1) the security authentication between two communication parties can be accelerated by the distributed financial technology application system and method based on the IPV6 network and the biological identification technology; (2) the information of the user biological feature code is transmitted and encrypted for storage in a non-integral way in the authentication process, so that the information safety problem caused by the leakage of the server of the user information can be avoided, and the benefit of the user is guaranteed; (3) when the user is authenticated with the authentication server, the equipment hardware IPV6 information is used for authenticating the terminal with the authentication server, and the security of the authentication method can be further improved.

description of the drawings:

to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, and the drawings in the following description are only some embodiments of the present invention.

FIG. 1 is a financial services system based on IPV6 and biometric identification technology.

FIG. 2 is a financial transaction flow based on IPV6 and biometric identification technology.

Fig. 3 is a financial cloud service platform composition based on IPV6 and biometric technology.

FIG. 4 is a financial services platform configuration based on IPV6 and biometric identification technology.

Fig. 5 is a financial cloud service application case based on IPV6 and biometric technology.

Fig. 6 is a flow chart of an application case for making a large payment using a mobile phone.

Fig. 7 is a flowchart of an application case of transmitting and receiving financial data using a mobile phone.

FIG. 8 is a summary illustration of a financial transaction system based on IPV6 and biometric identification technology.

Detailed Description

the distributed financial technology application system and method based on IPV6 network and biometric technology provided in the present invention will be described in detail below by way of example with reference to the accompanying drawings. It should be noted that the description of the embodiments is provided to help understanding of the present invention, but the present invention is not limited thereto.

The various techniques described herein may be used in, but are not limited to, the field of financial technology, but may also be used in other similar fields.

FIG. 1 shows a schematic diagram of a financial transaction flow based on IPV6 and biometric identification technology provided by the present invention.

description of the financial business process of fig. 1 based on IPV6 and biometric identification technology:

1. the user refers to a person who puts forward a service demand;

2. the biometric identification code is user biometric feature code information, can be and is not limited to any one or any combination of fingerprint information, voiceprint information and face information, the first encryption code generated by encrypting the user data for the first time is generated, and partial extraction is carried out to prevent the user feature information safety problem caused by the fact that biometric identification is leaked;

3. The user password is extracted from the IPV6 address of the terminal equipment, and is processed with the first biometric encryption data by a synthesis algorithm (hash algorithm) to generate a second encryption code, the password is used for binding the user and the specified equipment address in advance, the password contains but is not limited to the IPV6 address of the terminal used and preset by the user, and the password mainly solves the authentication problem between the user and the terminal;

4. The financial cloud platform code is obtained by extracting a first encryption code, a second encryption code, a password set by a user and a financial cloud service platform address, synthesizing and encrypting to generate a third encryption code, wherein the third encryption code is stored in a server of a financial service system so that the system can be used for authenticating a terminal and the server, and the password is placed in the server of the financial service system;

5. the user dynamic password is synthesized and encrypted by the third password and the dynamic password which is required to be input by the financial service system and input by the user, the interactive processing process is realized, the password is judged and processed by a person and is mainly used for dealing with the problem of illegal system automatic trial password, and the financial service system automatically compares the passwords to generate a fourth encrypted code.

6. The Hash algorithm processing is a safety processing method for synthesizing the encryption code to be transmitted and extracting part of the code, and the data processing is irreversible;

7. The financial business system is a business application system for the user to provide the service required by the user and is used for finishing the user requirement;

8. The system biometric identification library is a financial cloud system user identification system based on IPV6 and is used for checking whether the user is a financial cloud system user;

9. wherein;

s101, partial extraction processing is carried out on biological identification data acquired by a terminal, wherein the biological identification data refers to user biological feature code information and can be any one or any combination of fingerprint information, voiceprint information and face information, the first user data encryption is completed, a first encryption code is generated, and partial extraction is carried out to prevent the user feature information safety problem caused by the fact that biological identification is leaked;

S102, extracting an IPV6 address of the terminal equipment, and carrying out synthesis algorithm (Hash algorithm) processing on the extracted IPV6 address and the first biometric encrypted data to generate a second encrypted code, wherein the second encrypted code is used for binding the user and the specified equipment address in advance, the second encrypted code comprises but is not limited to an IPV6 address which is preset by the user and used for using the terminal, and the second encrypted code mainly solves the authentication problem between the user and the terminal;

s103, extracting the first encryption code, the second encryption code, the password set by the user and the address of the financial cloud service platform, synthesizing and encrypting to generate a third encryption code, storing the third encryption code in a server of the financial service system so that the system can be used for authenticating the terminal and the server, and placing the password in the server of the financial service system;

s104, the third password and the dynamic password required to be input by the financial service system input by the user are subjected to synthesis encryption, the interactive processing process is realized, the password is judged and processed by a person and is mainly used for dealing with the problem of illegal system automatic trial passwords, and the financial service system automatically performs password comparison to generate a fourth encryption code. The four times of synthetic encryption is the main innovation point of the invention, thus solving the problems of uniqueness of biological characteristics, uniqueness of equipment scenes, undeniable user operation and authenticity of man-machine interaction of financial business system users.

S101, for the first time, carrying out partial extraction processing on biological identification data acquired by a terminal, wherein the biological identification data refers to user biological feature code information and can be any one or any combination of fingerprint information, voiceprint information and face information, the first user data encryption is completed, a first encryption code is generated, and the partial extraction is carried out to prevent the safety problem of user feature information caused by the fact that biological identification is leaked; s201, extracting the IPV6 address of the terminal equipment for the second time, and carrying out synthesis algorithm processing on the extracted address and the first biometric encrypted data to generate a second encrypted code, wherein the second encrypted code is used for binding the user and the specified equipment address in advance, the second encrypted code comprises but is not limited to the IPV6 address of the user preset for using the terminal, and can also be bound in various scenes, and the second encrypted code mainly solves the authentication problem between the user and the terminal; s301, for the third time, the first encryption code, the second encryption code, the password set by the user and the address of the financial cloud service platform are synthesized and encrypted to generate a third encryption code, the third encryption code is stored in a server of the financial service system, so that the system can be used for authentication between the terminal and the server, and the password is placed in the server of the financial service system; s401, the fourth encryption is to carry out composite encryption on the third password and a dynamic password which is input by a financial business system and required by a user, the password is mainly used for solving the problem of illegal system automatic trial password, and the financial business system carries out password comparison automatically. The four-time synthetic encryption is a main innovation point of the invention, and solves the problems of uniqueness of biological characteristics and equipment scenes of financial business system users, undeniable user operation and authenticity of human-computer interaction;

FIG. 2 shows a schematic structural diagram of a financial cloud service platform based on IPV6 and biometric identification technology provided by the invention

Description about the schematic diagram of the structure of the financial cloud service platform based on the IPV6 and the biometric technology in fig. 2:

The user refers to a client of the financial business system or an operator of the financial business system;

the intelligent terminal refers to various terminal devices (such as a mobile phone and a mobile payment tool) used when a user demands;

The financial cloud platform biological identification server is a financial cloud service platform based on IPV6 and biological identification technology, the Internet cloud IPV6 is a network communication protocol standard and a foundation adopted by the financial cloud service platform, and under an IPv6 network, IPv6 nodes in the Internet adopt a unified IPv6 protocol and can perform point-to-point communication, which is a standard and direction of future Internet technology development and is an international standard actively participating in China and widely popularized and applied, the financial business system 1 is various users in the financial cloud service system, and the financial business system N is various users in the financial cloud service system.

FIG. 3 shows the composition of the financial cloud service platform based on IPV6 and biometric identification technology provided by the invention

description of the composition of the financial cloud service platform based on IPV6 and biometric technology in fig. 3:

the user 1 and the user N refer to various users in the financial cloud service system.

The intelligent terminal refers to various terminal devices (such as a mobile phone and a mobile payment tool) used when a user demands, the financial cloud service platform refers to a financial cloud service platform based on the IPV6 and the biometric identification technology, and the distributed financial service system 1 and the distributed financial service system N refer to various financial service application systems distributed in various units of each party on the financial cloud service platform.

FIG. 4 shows the construction of the financial service platform based on IPV6 and biometric identification technology provided by the invention

Description of the construction of the financial services platform based on IPV6 and biometric identification technology in fig. 4:

The IPV6 communication network technology refers to that a unified IPv6 protocol is adopted by nodes in an internet communication network, point-to-point communication can be carried out, which is a network communication protocol standard and a foundation adopted by a financial cloud service platform, is a standard and a direction of future internet technology development, is also an international standard actively participating in China and widely popularized and applied, a biological identification technology is a multimedia application technology supported by modern computer technology and is also a main characteristic technology of the invention, a synthesis technology is a computing technology method for processing and processing data by utilizing an algorithm and is also a core technology with the most innovative characteristic of the invention, a plurality of synthesis technology algorithms are available, different algorithms can be selected according to different system requirements, a database technology refers to a technology for managing large data of a computer, a database technology is also various, and the method is suitable for various databases, the block chain technology refers to a distributed electronic account management application system, which is widely applied to a financial system, and is also a main characteristic technology of the invention, many businesses on a financial science and technology service platform can realize decentralization and is a trend of development of many financial businesses, the artificial intelligence technology refers to an automatic processing technology which is completed by using computers, multimedia technologies and the like to realize replacement people, the financial science and technology system engineering technology refers to system management and services which are designed, developed and popularized and applied by using financial science and technology tools and methods to carry out overall planning on internet financial applications, for example, a financial cloud service platform system is a comprehensive financial science and technology system engineering which integrates various financial science and technology tools and services and financial products, and users refer to all financial service requests and requirements in the invention.

FIG. 5 shows a typical application case of the financial cloud service based on IPV6 and biometric identification technology provided by the invention

description of a typical application case of the financial cloud service based on IPV6 and biometric technology in fig. 5:

The user requirement refers to the proposal of a financial service operation request;

The artificial intelligence biological data acquisition refers to the biological data acquisition through an artificial intelligence terminal;

The biological identification data processing means that the biological identification data processing and comparison are carried out through the terminal equipment, and the next step is carried out if the biological identification data processing is successful; if the data processing is unsuccessful, returning to perform data processing again;

The data encryption and synthesis processing means that data encryption and synthesis processing is carried out on the biological identification data to form a biological identification code;

The database storage refers to storing and comparing the biological identification codes through an IPV 6-based communication network, comparing the newly generated identification codes, and if the comparison is successful, carrying out the next step, and transmitting the new identification codes to the financial cloud service platform through an IPV6 communication network;

The financial cloud service platform is used for sending the financial cloud identification code to a financial business service system through an IPV6 communication network after receiving the new identification code of the user;

the financial business service system receives a financial cloud identification code from a financial cloud service platform, compares the financial cloud identification code with a financial cloud identification code reserved and bound by the financial business system, and performs authorization processing business after the comparison is successful;

the IPV6 communication network refers to that nodes in the internet communication network adopt a uniform IPV6 protocol, and can perform point-to-point communication, which is a network communication protocol standard and basis adopted by a financial cloud service platform.

FIG. 6 is a flow chart of an application case for large payment by mobile phone according to the present invention

Description of the flow chart of the application case of fig. 6 for making a large payment using a mobile phone:

The user demands to put forward and utilize the mobile phone to transfer the account with the large amount of payment;

the smart phone data acquisition carries out biological identification data acquisition through mobile phone face identification;

The biological identification data processing module compares the acquired data, and if the acquired data is the user compliance data, the biological identification data processing module encrypts and synthesizes the data;

The data encryption and synthesis processing module encrypts the data and extracts user compliance data to encrypt the data to generate a new user demand data code, wherein the new user demand data code comprises a user name, a user password, a mobile phone identification code and an IPV6 address code, and the mobile phone identification code and the IPV6 address code are pre-bound by a user and are sent to an IPV6 financial cloud communication network;

the IPV6 financial cloud communication network means that a unified IPv6 protocol is adopted by nodes in the Internet communication network, and point-to-point communication can be carried out, which is the standard and basis of a network communication protocol adopted by a financial cloud service platform; the network node checks and compares the data codes after receiving the data codes required by the user, judges whether the data codes are users of the financial cloud service platform system, and if the data codes are users of the financial cloud service platform system, the data codes are sent to a related financial service system, and after the financial service system receives data information sent by the financial cloud service platform, the user legality is stored and compared in a user legality database in the system;

after the user validity database stores comparison rules, authorization processing judgment is carried out in the system, and if the user has an operation authority, authorization processing is carried out;

the authorization processing completes the related operation of the financial business service system, and the payment of the financial business service system is carried out;

the financial business service system completes the large payment transfer processing after payment;

The payment result is that the user can receive the prompt information sent by the financial business system on the mobile phone, and all the series of operations and processing are completed through mobile phone operation and automatic processing, so that the system is safe, quick, efficient, simple to operate, and even can be operated without hands and carries out interactive processing by voice.

FIG. 7 is a flowchart of an application case for receiving and transmitting financial data using a mobile phone according to the present invention

Fig. 7 is a flowchart illustrating an application case for transmitting and receiving financial data using a mobile phone:

The user demands to put forward and utilize the mobile phone to receive and send financial data;

the smart phone data acquisition carries out biological identification data acquisition through mobile phone face identification;

the biological identification data processing module compares the acquired data, and if the acquired data is the user compliance data, the biological identification data processing module encrypts and synthesizes the data;

the data encryption and synthesis processing module encrypts the data and extracts user compliance data to encrypt the data to generate a new user demand data code, wherein the new user demand data code comprises a user name, a user password, a mobile phone identification code and an IPV6 address code, and the mobile phone identification code and the IPV6 address code are pre-bound by a user and are sent to an IPV6 financial cloud communication network;

The IPV6 financial cloud communication network means that a unified IPv6 protocol is adopted by nodes in the Internet communication network, point-to-point communication can be carried out, the network communication protocol standard and the basis are adopted by a financial cloud service platform, the nodes check and compare data codes after receiving data codes required by a user, whether the data codes are users of the financial cloud service platform system is judged, if yes, the data codes are sent to a related financial service system, and after the financial service system receives data information sent by the financial cloud service platform, the user legality is stored and compared in a user legality database in the system;

after the user validity database stores comparison rules, authorization processing judgment is carried out in the system, and if the user has an operation authority, authorization processing is carried out;

the authorization processing completes the related operation of the financial business service system, and the financial data of the financial business service system is received and sent;

the financial business service system finishes receiving and sending financial data;

the financial data receiving and sending result is that the user A can see the financial data receiving and sending condition of the financial service system reported by the user N on the mobile phone, and all the series of operations and processing are completed through mobile phone operation and automatic processing, so that the method is safe, fast, efficient and simple to operate.

FIG. 8 shows a financial transaction system based on IPV6 and biometric identification technology provided by the invention

description of the financial transaction system based on IPV6 and biometric identification technology with respect to fig. 8:

This is a brief description of the summary of the financial transaction system based on IPV6 and biometric technology, in which:

The user requirements refer to various financial business requirements put forward by all users in the system, including but not limited to bank payment business requirements, credit inquiry, account management and other financial business requirements;

The biometric identification code is a group of codes generated by acquiring biometric information of a user through an intelligent terminal (such as a mobile phone) and processing the biometric information through a certain algorithm;

The identification number or organization code is a national standard personal identification number or a social organization uniform code;

The dynamic password is a password which is effectively and randomly generated within a certain time (short time) and is mastered by a user required in the financial business system, and the dynamic password is generated after the user communicates with the system, so that illegal persons can be prevented from guessing the password by using a computer;

the financial cloud service platform code is a code generated after the financial cloud platform address code is subjected to algorithm synthesis;

The IPV6 network refers to that nodes in a communication network adopt a uniform IPv6 protocol, and can carry out point-to-point communication, which is a network communication protocol standard and basis adopted by a financial cloud service platform and is a new network protocol;

financial services refer to user requirements for payment, credit, management and other financial aspects that users propose;

The synthesis of the invention refers to a process of generating a code by calculating the biological identification code and the user identification number through a certain algorithm.

As described above, the present invention can be preferably implemented, and it will be apparent to those skilled in the art that various forms of distributed authentication method, terminal and system based on user biometrics authentication codes can be designed without inventive effort according to the teachings of the present invention, and it is possible to change, modify, replace, integrate and modify the embodiments without departing from the principles and spirit of the present invention.