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CN103679456A - System and method for trading based on signature information - Google Patents

System and method for trading based on signature information Download PDF

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Publication number
CN103679456A
CN103679456A CN201210346034.7A CN201210346034A CN103679456A CN 103679456 A CN103679456 A CN 103679456A CN 201210346034 A CN201210346034 A CN 201210346034A CN 103679456 A CN103679456 A CN 103679456A
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Prior art keywords
signature information
value
preset
picture
pixel
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万四爽
刘国宝
何朔
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China Unionpay Co Ltd
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China Unionpay Co Ltd
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Priority to CN201210346034.7A priority Critical patent/CN103679456A/en
Priority to PCT/CN2013/083360 priority patent/WO2014044145A1/en
Publication of CN103679456A publication Critical patent/CN103679456A/en
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    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06V—IMAGE OR VIDEO RECOGNITION OR UNDERSTANDING
    • G06V40/00—Recognition of biometric, human-related or animal-related patterns in image or video data
    • G06V40/30—Writer recognition; Reading and verifying signatures
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L9/00—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
    • H04L9/32—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials
    • H04L9/3226—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials using a predetermined code, e.g. password, passphrase or PIN
    • H04L9/3231—Biological data, e.g. fingerprint, voice or retina
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07C—TIME OR ATTENDANCE REGISTERS; REGISTERING OR INDICATING THE WORKING OF MACHINES; GENERATING RANDOM NUMBERS; VOTING OR LOTTERY APPARATUS; ARRANGEMENTS, SYSTEMS OR APPARATUS FOR CHECKING NOT PROVIDED FOR ELSEWHERE
    • G07C9/00—Individual registration on entry or exit
    • G07C9/20—Individual registration on entry or exit involving the use of a pass
    • G07C9/22—Individual registration on entry or exit involving the use of a pass in combination with an identity check of the pass holder
    • G07C9/24—Individual registration on entry or exit involving the use of a pass in combination with an identity check of the pass holder by means of a handwritten signature
    • G07C9/247—Individual registration on entry or exit involving the use of a pass in combination with an identity check of the pass holder by means of a handwritten signature electronically, e.g. by comparing signal of hand-writing with a reference signal from the pass
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L2209/00—Additional information or applications relating to cryptographic mechanisms or cryptographic arrangements for secret or secure communication H04L9/00
    • H04L2209/56—Financial cryptography, e.g. electronic payment or e-cash

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  • Computer Security & Cryptography (AREA)
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  • General Health & Medical Sciences (AREA)
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  • Signal Processing (AREA)
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  • Collating Specific Patterns (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

本发明公开一种基于签名信息的交易系统和方法，该系统包括账户存储设备，该设备存储预置签名信息，签名装置，用于接收现场签名信息，账户信息读取设备，该设备用于从账户存储设备读取预置签名信息，以及从签名装置读取现场签名信息，其中，账户信息读取设备被配置成根据读取的预置签名信息和现场签名信息，来判断是否进行交易。

Figure 201210346034

The invention discloses a transaction system and method based on signature information. The system includes an account storage device, which stores preset signature information, a signature device, which is used to receive on-site signature information, and an account information reading device, which is used to read from The account storage device reads the preset signature information, and reads the on-site signature information from the signature device, wherein the account information reading device is configured to determine whether to conduct a transaction according to the read preset signature information and on-site signature information.

Figure 201210346034

Description

A kind of transaction system and method based on signing messages
Technical field
the present invention relates to the user identification confirmation technology in transaction, and relate in particular to a kind of transaction system and method based on signing messages.
Background technology
in the process of for example using credit card to pay, whether operator is conventionally by checking signature behind of signature in payment receipt and credit card (comprise name conforms to completely substantially conform to person's handwriting), legal to confirm user identity.Yet after losing credit card, its card signature behind is often imitated by people, so that operator's indistinguishable person's handwriting is true and false.
for example, in other payment process in the prior art (, near field payment, network payment, mobile phone mobile payment), not yet there is identifying with signing messages at present the technical scheme of user identity.
therefore, need a kind of transaction system and method based on signing messages, make the process of transaction safer.
Summary of the invention
According to one object of the present invention, a kind of transaction system based on signing messages is disclosed, comprise, account memory device, the preset signing messages of this device storage, signature apparatus, for receiving on-the-spot signing messages, accounts information fetch equipment, this equipment is used for reading preset signing messages from account memory device, and reads on-the-spot signing messages from signature apparatus, wherein, accounts information fetch equipment is configured to, according to the preset signing messages and the on-the-spot signing messages that read, judge whether to conclude the business.
Preferably, accounts information fetch equipment comprises signature verification module, preset signing messages and on-the-spot signing messages are stored with the form of picture, this signature verification module is for the preset signing messages that reads described in calculating and the similarity of on-the-spot signing messages, accounts information fetch equipment is configured to, according to described similarity, judge whether to conclude the business.
Preferably, 3. transaction system as claimed in claim 2, the picture of preset signing messages and the picture of on-the-spot signing messages have identical size, pixel distribution and total number of pixels, this signature verification module is configured to: calculate the gray-scale value of each pixel of picture of preset signing messages and the correlative value that the average gray value of all pixels is compared and obtained, wherein, when the gray-scale value of a pixel is greater than or equal to described average gray value, the correlative value corresponding with this pixel arranged to the first value, otherwise the second value is set, calculate the gray-scale value of each pixel of picture of on-the-spot signing messages and the correlative value that the average gray value of described pixel is compared and obtained, wherein, when the gray-scale value of a pixel is greater than or equal to described average gray value, the correlative value corresponding with this pixel arranged to the first value, otherwise the second value is set, whether the correlative value of pixel of relevant position that judges the picture of preset signing messages and the picture of on-the-spot signing messages is identical, and calculate the number of identical correlative value, calculating described similarity is the ratio of number with total number of pixels of described identical correlative value.
Preferably, accounts information fetch equipment is configured to, and when described similarity is less than preset value, refusal is concluded the business.
Preferably, accounts information fetch equipment is configured to, when described similarity is greater than or equal to preset value, by the Image Display of the picture of preset signing messages and on-the-spot signing messages on display.
Preferably, preset signing messages and on-the-spot signing messages are stored with the form of character, whether this signature verification module is also consistent with on-the-spot signing messages for the preset signing messages reading described in judging, if inconsistent, accounts information fetch equipment is configured to refusal and concludes the business.
Preferably, accounts information fetch equipment is further configured to the preset signing messages reading and on-the-spot signing messages to be presented on display.
Preferably, described account memory device is bank card or the mobile communication equipment that loads financial function.
Preferably, described accounts information fetch equipment is POS terminal.
According to one object of the present invention, a kind of method of commerce based on signing messages is disclosed, comprise the following steps, first step: accounts information fetch equipment reads preset signing messages from account memory device, and read on-the-spot signing messages, second step from signature apparatus: accounts information fetch equipment judges whether to conclude the business according to the preset signing messages and the on-the-spot signing messages that read.
Preferably, preset signing messages and on-the-spot signing messages are stored with the form of picture, in described second step: be arranged on preset signing messages that signature verification module in accounts information fetch equipment reads described in calculating and the similarity of on-the-spot signing messages, accounts information fetch equipment judges whether to conclude the business according to described similarity.
Preferably, the picture of preset signing messages and the picture of on-the-spot signing messages have identical size, pixel distribution and total number of pixels, in described second step: this signature verification module is calculated the gray-scale value of each pixel of picture of preset signing messages and the correlative value that the average gray value of all pixels is compared and obtained, wherein, when the gray-scale value of a pixel is greater than or equal to described average gray value, the correlative value corresponding with this pixel arranged to the first value, otherwise the second value is set, this signature verification module is calculated the gray-scale value of each pixel of picture of on-the-spot signing messages and the correlative value that the average gray value of described pixel is compared and obtained, wherein, when the gray-scale value of a pixel is greater than or equal to described average gray value, the correlative value corresponding with this pixel arranged to the first value, otherwise the second value is set, and this signature verification module judges that whether the correlative value of pixel of relevant position of the picture of preset signing messages and the picture of on-the-spot signing messages is identical, and calculate the number of identical correlative value, this signature verification module is calculated the ratio that described similarity is number with total number of pixels of described identical correlative value.
Preferably, in described second step: accounts information fetch equipment judges when described similarity is less than preset value, refuses to conclude the business.
Preferably, in described second step: accounts information fetch equipment judges when described similarity is greater than or equal to preset value, by the Image Display of the picture of preset signing messages and on-the-spot signing messages on display.
Preferably, preset signing messages and on-the-spot signing messages are stored with the form of character, in described second step: whether this signature verification module is consistent with on-the-spot signing messages for the preset signing messages reading described in judging, if inconsistent, accounts information fetch equipment refusal is concluded the business.
Preferably, the method also comprises, third step, and in this step, accounts information fetch equipment is also presented at the preset signing messages reading and on-the-spot signing messages on display.
Accompanying drawing explanation
After having read the specific embodiment of the present invention with reference to accompanying drawing, those skilled in the art will become apparent various aspects of the present invention.One skilled in the art will appreciate that these accompanying drawings are only for coordinating embodiment that technical scheme of the present invention is described, and be not intended to protection scope of the present invention to be construed as limiting.
Fig. 1 is an example according to the transaction system based on signing messages of the embodiment of the present invention.
Fig. 2 is according to the structural representation of the transaction system based on signing messages of the embodiment of the present invention.
Fig. 3 is according to the step schematic diagram of the method for commerce based on signing messages of the embodiment of the present invention.
Embodiment
With reference to the accompanying drawings, the specific embodiment of the present invention is described in further detail.In the following description, for the object of explaining, state many details to the thorough understanding to one or more aspects of embodiment is provided.Yet, can it is evident that for those skilled in the art, less degree that can these details is put into practice one or more aspects of each embodiment.In addition, although can be only about one in some embodiments special characteristic or aspect that discloses embodiment, but can be for any given or specifically apply desiredly and favourable, this feature or aspect can be combined with a kind of or a plurality of other features or the aspect of other embodiments.Therefore the description below is not regarded as circumscribed, but limits protection domain by claims.
Fig. 1 is an example according to the transaction system based on signing messages of the embodiment of the present invention.As shown in the figure, store preset signing messages in bank card 1, this signing messages is user's correct signing messages.When using bank card 1 to pay by POS terminal 2, user is required signature in electronic signature plate 3.Then, POS terminal 2 reads preset signing messages and on-the-spot signing messages from bank card 1 and electronic signature plate 3 respectively, and comparison result information is outputed in report 4.In figure, report 4 shows the similarity of dealing money, exchange hour and signature comparison.In this example, preset signing messages is directly stored in bank card 1 rather than background system, and therefore, POS terminal 2 need not be obtained preset signature by long-range connection background system, and need not in background system, carry out the retrieval of preset signature, can improve like this timeliness and the accuracy of signature verification.In optional example, preset signature also can be stored in background system, in this example, POS terminal 2 reads preset signing messages and on-the-spot signing messages from background system (not shown) and electronic signature plate 3 respectively, and comparison result information is outputed in report 4.In this example, preset signing messages and on-the-spot signing messages are stored with picture form, and as shown in the figure, POS terminal 2 will be calculated the similarity (90%) of preset signing messages and on-the-spot signing messages, and by this comparison result shows in report.Be understandable that, the content in report 4 can be selected.In optional example, POS terminal 2 can be by comparison result shows on extra display.In another optional example, POS terminal 2 can directly allow to conclude the business or directly refusal transaction based on comparison result, for example, when similarity is during lower than preset value, POS terminal 2 can be configured to directly refusal transaction, in the situation that preset signing messages and on-the-spot signing messages are character, when preset signing messages and on-the-spot signing messages are when inconsistent, POS terminal 2 also can be configured to directly refusal transaction, now can output report list 4 also output report list 4 not.
According to thought of the present invention, above-mentioned example can have various modification.
In one example, can adopt the mobile communication terminal agent bank card that loads financial function, preset signing messages can be stored in advance in the correlation module of mobile communication terminal.
In one example, can adopt card reader special to replace POS terminal to read preset signing messages.
In one example, can adopt papery signature plate to replace the plate that signs electronically, the in the situation that of papery signature plate, accounts information fetch equipment can be taken a picture or scan to obtain on-the-spot signing messages the papery plate of signing, and the in the situation that of electronic signature plate, card reader special or POS terminal can be by obtaining on-the-spot signing messages with being electrically connected to of plate of electronic signature.Those skilled in the art will appreciate that and can adopt various means to identify and store on-the-spot signing messages.
In the present invention, preset signing messages and on-the-spot signing messages can be stored in the form of picture or character accounts information fetch equipment.As hereinafter described, accounts information fetch equipment (for example, card reader special or POS terminal) to the picture of the signing messages calculating similarity of comparing, or carries out comparison of coherence to the signing messages of character style by example as shown in Figure 1.
Fig. 2 is according to the structural representation of the transaction system based on signing messages of the embodiment of the present invention.Transaction system based on signing messages comprises account memory device 100, signature apparatus 200, accounts information fetch equipment 300.Wherein, the preset signing messages of account memory device 100 storage, is to be understood that account memory device also stores other for completing the information of transaction, but these information and theme of the present invention be not closely related, so will omit this description in this article.Signature apparatus 200 is for receiving on-the-spot signing messages.Accounts information fetch equipment 300 is for reading preset signing messages from account memory device 100, and read on-the-spot signing messages from signature apparatus 200, wherein, accounts information fetch equipment 300 is configured to, according to the preset signing messages and the on-the-spot signing messages that read, judge whether to conclude the business.Be to be understood that accounts information fetch equipment 300 also will read other for completing the information of transaction from account memory device 100.
In one embodiment, accounts information fetch equipment 300 comprises signature verification module (Fig. 2 is not shown), preset signing messages and on-the-spot signing messages are stored with the form of picture, this signature verification module is for the preset signing messages that reads described in calculating and the similarity of on-the-spot signing messages, accounts information fetch equipment 300 is configured to, according to described similarity, judge whether to conclude the business.
In a more detailed embodiment, the picture of preset signing messages and the picture of on-the-spot signing messages have identical size, pixel distribution and total number of pixels.This signature verification module is configured to:
Calculate the gray-scale value of each pixel of picture of preset signing messages and the correlative value that the average gray value of all pixels is compared and obtained, wherein, when the gray-scale value of a pixel is greater than or equal to described average gray value, the correlative value corresponding with this pixel arranged to the first value, otherwise the second value is set
Calculate the gray-scale value of each pixel of picture of on-the-spot signing messages and the correlative value that the average gray value of described pixel is compared and obtained, wherein, when the gray-scale value of a pixel is greater than or equal to described average gray value, the correlative value corresponding with this pixel arranged to the first value, otherwise the second value is set
Whether the correlative value of pixel of relevant position that judges the picture of preset signing messages and the picture of on-the-spot signing messages is identical, and calculates the number of identical correlative value,
Calculating described similarity is the ratio of number with total number of pixels of described identical correlative value.
The picture of preset signing messages and the picture of on-the-spot signing messages can just have identical size, pixel distribution and total number of pixels when generating.Or, can carry out pre-service to the picture of the picture of preset signing messages and on-the-spot signing messages, make it have identical size, pixel distribution and total number of pixels in one example, can standardization signature map chip size.For example, signature picture can be narrowed down to the size of 8x8,64 pixels altogether, remove other details of picture, only retain the essential informations such as structure, light and shade, abandon thus the picture difference that different size, ratio bring.Also for example, the picture after can just dwindling, transfers 64 grades of gray scales to.That is to say, all pixels only have 64 kinds of colors altogether.In this case, calculate the average gray of all 64 pixels, and by the gray scale of each pixel, compare with average gray, be more than or equal to mean value, be designated as 1; Be less than mean value, be designated as 0.Subsequently, by the comparative result of previous step, combine, can form the gray scale of pixel of 64 and the correlative value sequence (forming by 0 or 1) that average gray compares.The picture of the picture of preset signing messages and on-the-spot signing messages is carried out to identical calculating, thereby obtain two sequences.Finally, the number of different figure places on 64 bit sequences that obtain by technology two pictures, (1 – is isotopic number number/64 not) are similarity.
In one embodiment, accounts information fetch equipment 300 is configured to, and when described similarity is less than preset value, refusal is concluded the business.Alternatively, when described similarity is less than preset value, this similarity as a result of can be exported, refusal is concluded the business simultaneously.Again alternatively, when described similarity is less than preset value, can be by the Image Display of the picture of preset signing messages and on-the-spot signing messages on display, refusal is concluded the business simultaneously.
In one embodiment, accounts information fetch equipment is configured 300 one-tenth, when described similarity is greater than or equal to preset value, by the Image Display of the picture of preset signing messages and on-the-spot signing messages on display.Alternatively, this similarity can be presented on display together as comparison result.
In one embodiment, preset signing messages and on-the-spot signing messages are stored with the form of character, whether this signature verification module is also consistent with on-the-spot signing messages for the preset signing messages reading described in judging, if inconsistent, accounts information fetch equipment 300 is configured to refuse to conclude the business.For example, when the name that is identified as character and the name in preset signing messages of user input is inconsistent, accounts information fetch equipment 300 these users of judgement are not real user, thereby refusal is concluded the business.
In one embodiment, accounts information fetch equipment is further configured to the preset signing messages reading and on-the-spot signing messages to be presented on display.
Fig. 3 is according to the step schematic diagram of the method for commerce based on signing messages of the embodiment of the present invention.As shown in the figure, the method for commerce based on signing messages comprises the following steps,
First step: accounts information fetch equipment reads preset signing messages from account memory device, and read on-the-spot signing messages from signature apparatus,
Second step: accounts information fetch equipment judges whether to conclude the business according to the preset signing messages and the on-the-spot signing messages that read.
In one embodiment, preset signing messages and on-the-spot signing messages are stored with the form of picture, in described second step:
Be arranged on preset signing messages that signature verification module in accounts information fetch equipment reads described in calculating and the similarity of on-the-spot signing messages,
Accounts information fetch equipment judges whether to conclude the business according to described similarity.
In one embodiment, the picture of preset signing messages and the picture of on-the-spot signing messages have identical size, pixel distribution and total number of pixels, in described second step:
This signature verification module is calculated the gray-scale value of each pixel of picture of preset signing messages and the correlative value that the average gray value of all pixels is compared and obtained, wherein, when the gray-scale value of a pixel is greater than or equal to described average gray value, the correlative value corresponding with this pixel arranged to the first value, otherwise the second value is set
This signature verification module is calculated the gray-scale value of each pixel of picture of on-the-spot signing messages and the correlative value that the average gray value of described pixel is compared and obtained, wherein, when the gray-scale value of a pixel is greater than or equal to described average gray value, the correlative value corresponding with this pixel arranged to the first value, otherwise the second value is set, and
This signature verification module judges that whether the correlative value of pixel of relevant position of the picture of preset signing messages and the picture of on-the-spot signing messages is identical, and calculates the number of identical correlative value,
This signature verification module is calculated the ratio that described similarity is number with total number of pixels of described identical correlative value.
In one embodiment, in described second step:
Accounts information fetch equipment judges when described similarity is less than preset value, refuses to conclude the business.
In one embodiment, in described second step:
Accounts information fetch equipment judges when described similarity is greater than or equal to preset value, by the Image Display of the picture of preset signing messages and on-the-spot signing messages on display.
In one embodiment, preset signing messages and on-the-spot signing messages are stored with the form of character, in described second step:
Whether this signature verification module is consistent with on-the-spot signing messages for the preset signing messages reading described in judging,
If inconsistent, accounts information fetch equipment refusal is concluded the business.
In one embodiment, the present invention also comprises third step, and in this step, accounts information fetch equipment is also presented at the preset signing messages reading and on-the-spot signing messages on display.Owing to preset signing messages and on-the-spot signing messages can being simultaneously displayed on display, it shows that result can also be used for further judging by operator, and the security of transaction is further enhanced.
By the description of above embodiment, those skilled in the art can understand, and without departing from the spirit and scope of the present invention in the situation that, can also do various changes and replacement to the specific embodiment of the present invention.These changes and replacement all drop in the claims in the present invention book limited range.

Claims (18)

1.一种基于签名信息的交易系统，其特征在于，包括， 1. A transaction system based on signature information, characterized in that it includes, 账户存储设备，该设备存储预置签名信息， Account storage device, which stores preset signature information, 签名装置，用于接收现场签名信息， Signature device for receiving on-site signature information, 账户信息读取设备，该设备用于从账户存储设备读取预置签名信息，以及从签名装置读取现场签名信息， an account information reading device, which is used to read preset signature information from an account storage device, and read on-site signature information from a signature device, 其中，账户信息读取设备被配置成根据读取的预置签名信息和现场签名信息，来判断是否进行交易。 Wherein, the account information reading device is configured to judge whether to conduct a transaction according to the read preset signature information and on-site signature information. 2.如权利要求1所述的交易系统，其特征在于， 2. The trading system according to claim 1, wherein: 账户信息读取设备包括签名验证模块， The account information reading device includes a signature verification module, 预置签名信息和现场签名信息以图片的形式被存储， The preset signature information and on-site signature information are stored in the form of pictures, 该签名验证模块用于计算所述读取的预置签名信息和现场签名信息的相似度， The signature verification module is used to calculate the similarity between the read preset signature information and the on-site signature information, 账户信息读取设备被配置成根据所述相似度，来判断是否进行交易。 The account information reading device is configured to determine whether to conduct a transaction according to the similarity. 3.如权利要求2所述的交易系统，其特征在于， 3. The trading system as claimed in claim 2, characterized in that, 预置签名信息的图片和现场签名信息的图片具有相同的尺寸、像素分布和总像素个数， The picture of preset signature information and the picture of on-site signature information have the same size, pixel distribution and total number of pixels, 该签名验证模块被配置成： The signature verification module is configured to: 计算预置签名信息的图片的每一个像素的灰度值与所有像素的平均灰度值相比较得到的对比值，其中，当一个像素的灰度值大于或者等于所述平均灰度值时，将与该一个像素对应的对比值设置第一值，否则设置第二值， Calculate the contrast value obtained by comparing the gray value of each pixel of the picture with preset signature information and the average gray value of all pixels, wherein, when the gray value of a pixel is greater than or equal to the average gray value, Set the contrast value corresponding to the one pixel to the first value, otherwise set the second value, 计算现场签名信息的图片的每一个像素的灰度值与所述像素的平均灰度值相比较得到的对比值，其中，当一个像素的灰度值大于或者等于所述平均灰度值时，将与该一个像素对应的对比值设置第一值，否则设置第二值， Calculate the contrast value obtained by comparing the gray value of each pixel of the picture of the on-site signature information with the average gray value of the pixel, wherein, when the gray value of a pixel is greater than or equal to the average gray value, Set the contrast value corresponding to the one pixel to the first value, otherwise set the second value, 判断预置签名信息的图片和现场签名信息的图片的相应位置的像素的对比值是否相同，并计算相同对比值的个数， Judging whether the comparison values of the corresponding pixels of the picture of the preset signature information and the picture of the on-site signature information are the same, and calculating the number of the same comparison values, 计算所述相似度为所述相同对比值的个数与总像素个数之比。 The similarity is calculated as a ratio of the number of the same contrast value to the total number of pixels. 4.如权利要求3所述的交易系统，其特征在于， 4. The transaction system according to claim 3, wherein: 账户信息读取设备被配置成，当所述相似度小于预设值时，拒绝进行交易。 The account information reading device is configured to refuse to conduct a transaction when the similarity is less than a preset value. 5.如权利要求4所述的交易系统，其特征在于， 5. The trading system as claimed in claim 4, characterized in that, 账户信息读取设备被配置成，当所述相似度大于或者等于预设值时，将预置签名信息的图片和现场签名信息的图片显示在显示器上。 The account information reading device is configured to display the picture of the preset signature information and the picture of the on-site signature information on the display when the similarity is greater than or equal to a preset value. 6.如权利要求2所述的交易系统，其特征在于， 6. The trading system as claimed in claim 2, characterized in that, 预置签名信息和现场签名信息以字符的形式被存储， The preset signature information and on-site signature information are stored in the form of characters, 该签名验证模块还用于判断所述读取的预置签名信息和现场签名信息是否一致， The signature verification module is also used to judge whether the read preset signature information is consistent with the on-site signature information, 若不一致，则账户信息读取设备被配置成拒绝进行交易。 If inconsistent, the account information reading device is configured to refuse to carry out the transaction. 7.如权利要求1所述的交易系统，其特征在于， 7. The transaction system according to claim 1, wherein: 账户信息读取设备进一步被配置成能够将读取的预置签名信息和现场签名信息显示在显示器上。 The account information reading device is further configured to display the read preset signature information and on-site signature information on the display. 8.如权利要求1所述的交易系统，其特征在于， 8. The transaction system according to claim 1, wherein: 所述账户存储设备是银行卡或者加载金融功能的移动通信设备。 The account storage device is a bank card or a mobile communication device loaded with financial functions. 9.如权利要求1所述的交易系统，其特征在于， 9. The transaction system according to claim 1, wherein: 所述账户信息读取设备是POS终端。 The account information reading device is a POS terminal. 10.一种基于签名信息的交易方法，其特征在于，包括以下步骤， 10. A transaction method based on signature information, comprising the following steps, 第一步骤：账户信息读取设备从账户存储设备读取预置签名信息，以及从签名装置读取现场签名信息， The first step: the account information reading device reads the preset signature information from the account storage device, and reads the on-site signature information from the signature device, 第二步骤：账户信息读取设备根据读取的预置签名信息和现场签名信息来判断是否进行交易。 The second step: the account information reading device judges whether to conduct a transaction according to the read preset signature information and on-site signature information. 11.如权利要求10所述的交易方法，其特征在于， 11. The transaction method according to claim 10, characterized in that, 预置签名信息和现场签名信息以图片的形式被存储， The preset signature information and on-site signature information are stored in the form of pictures, 在所述第二步骤中： In said second step: 设置在账户信息读取设备中的签名验证模块计算所述读取的预置签名信息和现场签名信息的相似度， The signature verification module set in the account information reading device calculates the similarity between the read preset signature information and the on-site signature information, 账户信息读取设备根据所述相似度来判断是否进行交易。 The account information reading device judges whether to conduct a transaction according to the similarity. 12.如权利要求11所述的交易方法，其特征在于，其中， 12. The transaction method according to claim 11, wherein, 预置签名信息的图片和现场签名信息的图片具有相同的尺寸、像素分布和总像素个数， The picture of preset signature information and the picture of on-site signature information have the same size, pixel distribution and total number of pixels, 在所述第二步骤中： In said second step: 该签名验证模块计算预置签名信息的图片的每一个像素的灰度值与所有像素的平均灰度值相比较得到的对比值，其中，当一个像素的灰度值大于或者等于所述平均灰度值时，将与该一个像素对应的对比值设置第一值，否则设置第二值， The signature verification module calculates the contrast value obtained by comparing the gray value of each pixel of the picture with preset signature information with the average gray value of all pixels, wherein, when the gray value of a pixel is greater than or equal to the average gray value When the degree value is higher, set the contrast value corresponding to the pixel to the first value, otherwise set the second value, 该签名验证模块计算现场签名信息的图片的每一个像素的灰度值与所述像素的平均灰度值相比较得到的对比值，其中，当一个像素的灰度值大于或者等于所述平均灰度值时，将与该一个像素对应的对比值设置第一值，否则设置第二值，以及 The signature verification module calculates the comparison value obtained by comparing the gray value of each pixel of the picture of the on-site signature information with the average gray value of the pixel, wherein, when the gray value of a pixel is greater than or equal to the average gray value degree value, set the contrast value corresponding to the one pixel to the first value, otherwise set the second value, and 该签名验证模块判断预置签名信息的图片和现场签名信息的图片的相应位置的像素的对比值是否相同，并计算相同对比值的个数， The signature verification module judges whether the comparison values of the corresponding pixels of the picture of the preset signature information and the picture of the on-site signature information are the same, and calculate the number of the same comparison values, 该签名验证模块计算所述相似度为所述相同对比值的个数与总像素个数之比。 The signature verification module calculates the similarity as the ratio of the number of the same comparison value to the total number of pixels. 13.如权利要求12所述的交易方法，其特征在于， 13. The transaction method according to claim 12, characterized in that, 在所述第二步骤中： In said second step: 账户信息读取设备判断所述相似度小于预设值时，拒绝进行交易。 When the account information reading device judges that the similarity is less than a preset value, it refuses to conduct the transaction. 14.如权利要求13所述的交易系统，其特征在于， 14. The transaction system according to claim 13, wherein: 在所述第二步骤中： In said second step: 账户信息读取设备判断所述相似度大于或者等于预设值时，将预置签名信息的图片和现场签名信息的图片显示在显示器上。 When the account information reading device determines that the similarity is greater than or equal to a preset value, it displays the picture of the preset signature information and the picture of the on-site signature information on the display. 15.如权利要求11所述的交易方法，其特征在于， 15. The transaction method according to claim 11, characterized in that, 预置签名信息和现场签名信息以字符的形式被存储， The preset signature information and on-site signature information are stored in the form of characters, 在所述第二步骤中： In said second step: 该签名验证模块用于判断所述读取的预置签名信息和现场签名信息是否一致， The signature verification module is used to judge whether the read preset signature information is consistent with the on-site signature information, 若不一致，则账户信息读取设备拒绝进行交易。 If inconsistent, the account information reading device refuses to perform the transaction. 16.如权利要求10所述的交易方法，其特征在于，该方法还包括， 16. The transaction method according to claim 10, further comprising: 第三步骤，在该步骤中，账户信息读取设备还将读取的预置签名信息和现场签名信息显示在显示器上。 The third step, in this step, the account information reading device also displays the read preset signature information and on-site signature information on the display. 17.如权利要求10所述的交易方法，其特征在于， 17. The transaction method according to claim 10, characterized in that, 所述账户存储设备是银行卡或者加载金融功能的移动通信设备。 The account storage device is a bank card or a mobile communication device loaded with financial functions. 18.如权利要求10所述的交易方法，其特征在于， 18. The transaction method according to claim 10, characterized in that, 所述账户信息读取设备是POS终端。 The account information reading device is a POS terminal.
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