The human fingertip is an exquisitely powerful bio-tactile sensor in perceiving different materials based on various highly-sensitive mechanoreceptors distributed all over the skin. The tactile perception of surface roughness and material hardness can be estimated by skin vibrations generated during a fingertip stroking of a surface instead of being maintained in a static position. Moreover, reciprocating sliding with increasing velocities and pressures are two common behaviors in humans to discriminate different materials, but the question remains as to what the correlation of the sliding velocity and normal load on the tactile perceptions of surface roughness and hardness is for material discrimination. In order to investigate this correlation, a finger-inspired crossed-I beam structure tactile tester has been designed to mimic the anthropic tactile discrimination behaviors. A novel method of characterizing the fast Fourier transform integral (FFT) slope of the vibration acceleration signal generated from fingertip rubbing on surfaces at increasing sliding velocity and normal load, respectively, are defined as kv and kw, and is proposed to discriminate the surface roughness and hardness of different materials. Over eight types of materials were tested, and they proved the capability and advantages of this high tactile-discriminating method. Our study may find applications in investigating humanoid robot perceptual abilities.