CN105654372A - Identity recognition method for remote account opening and server and system - Google Patents
Identity recognition method for remote account opening and server and system Download PDFInfo
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- CN105654372A CN105654372A CN201510974238.9A CN201510974238A CN105654372A CN 105654372 A CN105654372 A CN 105654372A CN 201510974238 A CN201510974238 A CN 201510974238A CN 105654372 A CN105654372 A CN 105654372A
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- G06V—IMAGE OR VIDEO RECOGNITION OR UNDERSTANDING
- G06V40/00—Recognition of biometric, human-related or animal-related patterns in image or video data
- G06V40/10—Human or animal bodies, e.g. vehicle occupants or pedestrians; Body parts, e.g. hands
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Abstract
The invention discloses an identity recognition method for remote account opening. The identity recognition method comprises the following steps that account opening application personal information inputted by a user through a client side is acquired and user information scanned by the client side is received; when the account opening application personal information and the user information are consistent, a user face image photographed by the client side through starting a camera is acquired and the user face image is compared with a target image and identified, and a similarity score is calculated through combination of a live detection technology; and when the similarity score is within a first preset range, a video conversation mode with the client side is started, the target image is updated and a high-definition image database is established so that the user face image is enabled to be identified through comparison with the updated target image when the user face image is acquired again. The invention also discloses a server and a system. Passing rate of remote account opening of the user can be enhanced so that user experience can be enhanced.
Description
Technical field
The present invention relates to communication technical field, particularly relate to a kind of long-range personal identification method, server and system opened an account.
Background technology
Domestic bank's industry takes the mode that face, cabinet face is signed under line usually, opens an account business for client handles bank card face-to-face by banking business personnel, but owing to handling the problems such as long flow path under site resource shortage, line under bank's line, easily makes troubles to client. For addressing this is that, existing scheme takes the long-range mode opened an account to improve efficiency of opening an account, but carry out in the long-range process opened an account user, the face picture retained in People's Bank of China's (being called for short Central Bank) or the Ministry of Public Security taken from usually by the first ownership goal picture for comparison, and unintelligible or outmoded phenomenon may be there is in the face picture that certain customers retain in Central Bank or the Ministry of Public Security, recognition of face is caused not passed through, thus reduce the long-range percent of pass opened an account of user, and then reduce Consumer's Experience.
Foregoing, only for the auxiliary technical scheme understanding the present invention, does not represent and admits that foregoing is prior art.
Summary of the invention
The main purpose of the present invention is to provide a kind of long-range personal identification method, server and system opened an account, it is intended to solve the problem that the recognition of face that the problems such as photo that certain customers retain such as Central Bank or the Ministry of Public Security due to Identification platform is unintelligible or outmoded cause is not passed through when long-range opening an account, to improve the long-range percent of pass opened an account of user, and then improve Consumer's Experience.
For achieving the above object, a kind of long-range personal identification method opened an account provided by the invention, the described long-range personal identification method opened an account comprises the following steps:
Obtain the user profile of open an account application personal information and reception client scan that user is inputted by client terminal;
When described application personal information of opening an account is consistent with described user profile, obtain user's face picture that described client terminal obtains by opening camera shooting;
Described user's face picture and Target Photo are compared identification, and obtain similarity score in conjunction with In vivo detection technique computes;
When described similarity score is in the first pre-determined range, start the video conversation pattern between described client terminal, upgrade described Target Photo and set up high definition picture data storehouse, when again obtaining described user's face picture, again the described Target Photo of described user's face picture and renewal is identified.
, for achieving the above object, in addition the present invention also provides a kind of server, and described server comprises:
First receiver module, for obtaining the user profile of open an account application personal information and reception client scan that user is inputted by client terminal;
First acquisition module, for when described application personal information of opening an account is consistent with described user profile, obtaining user's face picture that described client terminal obtains by opening camera shooting;
Calculate module, for identification of described user's face picture and Target Photo being compared, and obtain similarity score in conjunction with In vivo detection technique computes;
Set up module, for when described similarity score is in the first pre-determined range, start the video conversation pattern between described client terminal, upgrade described Target Photo and set up high definition picture data storehouse, when again obtaining described user's face picture, again the described Target Photo of described user's face picture and renewal is identified.
In addition, for achieving the above object, the present invention also provides a kind of long-range account opening system, comprises client terminal and server as above,
Described client terminal comprises:
2nd acquisition module, for obtaining the user profile of open an account application personal information and the scanning of user's input;
By described opening an account, first sending module, for applying for that personal information and user profile are sent to described server;
Taking module, for when application personal information of opening an account described in the confirmation of described server is consistent with described user profile, opening camera and take the user's face video obtained;
2nd sending module, for being sent to described server by described user's face video.
The long-range personal identification method opened an account provided by the invention, server and long-range account opening system, first obtain the user profile of open an account application personal information and reception client scan that user is inputted by client terminal, when described application personal information of opening an account is consistent with described user profile, obtain user's face picture that described client terminal obtains by opening camera shooting, then described user's face picture and Target Photo are compared identification, and obtain similarity score in conjunction with In vivo detection technique computes, wherein, when described similarity score is in the first pre-determined range, start the video conversation pattern between described client terminal, upgrade described Target Photo and set up high definition picture data storehouse, with when again obtaining described user's face picture, again the described Target Photo of described user's face picture and renewal is identified. like this, it is possible to the problem that the recognition of face that solution certain customers cause due to problems such as Identification platform are as unintelligible or outmoded in the photo of Central Bank or Ministry of Public Security's retention when long-range opening an account is not passed through, to improve the long-range percent of pass opened an account of user, and then Consumer's Experience is improved.
Accompanying drawing explanation
Fig. 1 is the schematic flow sheet of long-range personal identification method first embodiment opened an account of the present invention;
Fig. 2 is the schematic flow sheet of the present invention's long-range personal identification method opened an account the 2nd embodiment;
Fig. 3 be in Fig. 1 or Fig. 2 step when similarity score is in the first pre-determined range, start the video conversation pattern between client terminal, upgrade Target Photo and set up high definition picture data storehouse, when again obtaining user's face picture, again the Target Photo of user's face picture and renewal is carried out the refinement schematic flow sheet identified;
Fig. 4 is the schematic flow sheet of the present invention's long-range personal identification method opened an account the 3rd embodiment;
Fig. 5 is the schematic flow sheet of the present invention's long-range personal identification method opened an account the 4th embodiment;
Fig. 6 is the high-level schematic functional block diagram of server first embodiment of the present invention;
Fig. 7 is the high-level schematic functional block diagram of server of the present invention 2nd embodiment;
Fig. 8 is the refinement high-level schematic functional block diagram setting up module in Fig. 6 or Fig. 7;
Fig. 9 is the high-level schematic functional block diagram of server of the present invention 3rd embodiment;
Figure 10 is the high-level schematic functional block diagram of server of the present invention 4th embodiment;
Figure 11 is the high-level schematic functional block diagram of the present invention's long-range account opening system one embodiment;
Figure 12 is the refinement high-level schematic functional block diagram of client terminal in Figure 11.
The realization of the object of the invention, functional characteristics and advantage will in conjunction with the embodiments, are described further with reference to accompanying drawing.
Embodiment
It is to be understood that specific embodiment described herein is only in order to explain the present invention, it is not intended to limit the present invention.
The long-range personal identification method opened an account that one embodiment of the invention provides, with reference to Fig. 1, the described long-range personal identification method opened an account comprises the following steps:
Step S101, obtains the user profile of open an account application personal information and reception client scan that user is inputted by client terminal;
In the present embodiment, described client terminal can be the various mobile terminals such as mobile phone terminal, notebook computer, panel computer, portable electric appts, it is possible to thinks PC fixed terminal, and the present embodiment is preferably mobile terminal of mobile telephone. It should be appreciated that the long-range application program of opening an account that described client terminal is loaded on the equipment such as described mobile phone terminal under can also being. Described application personal information of opening an account at least comprises: name, certificate type, mobile phone number etc. Described user's certificate can be various types of certificates such as identity card, passport, army's testimony of a witness, residence booklet, residence permit, People's Armed Police's identity card, the pass, temporary residency card.
It is understandable that, client terminal can by starting long-range program of opening an account, user is pointed out to carry out certificate information scanning, for identity card, specifically can first scan identity document front, then scan identity document reverse side, and automatically by scanning recognition system of real name key message, comprise following information: name, sex, nationality, date of birth, address, passport NO., photo, licence issuing authority and validity period etc., the above real name information after scanning recognition is sent to server by client terminal.
In the present embodiment, described server has huge user social contact data (such as micro-letter, hand Q etc.), based on user's reference model, it is possible to filter out qualified target user, and invites the application function that it opens bank electronic account.
Step S102, when described application personal information of opening an account is consistent with described user profile, obtains user's face picture that described client terminal obtains by opening camera shooting;
In the present embodiment, when described application personal information of opening an account is consistent with described user profile, feedback identification check is successfully pointed out, for improving safety performance further, by opening camera, in real time or with the front face video of predetermined frequency shooting user, server intercepts user's face picture to client terminal from face video. It should be appreciated that in shooting process, in order to carry high safety grade, prevent other people from palming off, it is also possible to require that user is with reading by prompting random information. And when open an account application personal information and described user profile are inconsistent, do not mate with name such as user's identification card number or situation that identification card number does not exist, feed back identification check and unsuccessfully point out.
Step S103, identification that described user's face picture and Target Photo are compared, and obtain similarity score in conjunction with In vivo detection technique computes;
In the present embodiment, described user's face picture and described user profile are carried out contrast and identify by described server, obtain the identification score between described user's face picture and described user profile, and, add In vivo detection technology, in conjunction with picture comparing result and In vivo detection result, calculate described similarity score, to improve security.
In one embodiment, when user opens an account for the first time, server obtains the identity card head portrait of user to Central Bank's network verification system, and the similarity of comparison identity card head portrait and user's face picture.
In another embodiment, when server does not get the identity card head portrait of user from Central Bank's network verification system, server sends user's core body request to Ministry of Public Security's system, the user's identity picture prestored by the system comparison Ministry of Public Security of the Ministry of Public Security and the similarity of user's face picture.
Step S104, when described similarity score is in the first pre-determined range, start the video conversation pattern between described client terminal, upgrade described Target Photo and set up high definition picture data storehouse, when again obtaining described user's face picture, again the described Target Photo of described user's face picture and renewal is identified.
In the present embodiment, described similarity score M is divided into three pre-determined ranges, first pre-determined range is 60��M��90,2nd pre-determined range is M > 90,3rd pre-determined range is M < 60, certainly, other embodiments specifically can be arranged according to practical situation, is not limited to the present embodiment. When described 60��M��90, show in face recognition process, the Target Photo similarity of user video picture and Central Bank or Ministry of Public Security's retention is lower, possible cause is that the Target Photo retained is unintelligible, or user's face of the remote past there occurs change, now, it is necessary to again obtain the Target Photo of high definition, to facilitate user to re-start identification.
The long-range personal identification method opened an account provided by the invention, first the user profile of open an account application personal information and reception client scan that user is inputted is obtained by client terminal, when described application personal information of opening an account is consistent with described user profile, obtain user's face picture that described client terminal obtains by opening camera shooting, then described user's face picture and Target Photo are compared identification, and obtain similarity score in conjunction with In vivo detection technique computes, wherein, when described similarity score is in the first pre-determined range, start the video conversation pattern between described client terminal, upgrade described Target Photo and set up high definition picture data storehouse, with when again obtaining described user's face picture, again the described Target Photo of described user's face picture and renewal is identified. like this, it is possible to the problem that the recognition of face that solution certain customers cause due to problems such as Identification platform are as unintelligible or outmoded in the photo of Central Bank or Ministry of Public Security's retention when long-range opening an account is not passed through, to improve the long-range percent of pass opened an account of user, and then Consumer's Experience is improved.
In one embodiment, as shown in Figure 2, on the basis of the embodiment of above-mentioned Fig. 1, also comprise before described step S102:
Step S105, receives the random information generation request instruction that described client terminal sends;
Step S106, generates request instruction according to described random information and generates random information;
In the present embodiment, user end to server sends random information and generates request instruction, in this preferred embodiment, described server, after receiving described request instruction, generates the random information comprising any one or more combination of numeral, letter, Chinese character, symbol or more according to special algorithm. For string number, the camera of client terminal is in the process of shooting user, namely Arabic numerals are shown to user at random every a second, and user need at the uniform velocity read aloud the numeral of display, the complete video of recording is uploaded onto the server by client terminal, it should be appreciated that described video file should be encrypted in transmitting procedure.
Wherein, described step S102 comprises further:
When described application personal information of opening an account is consistent with described user profile, receives described mobile terminal and record the audio/video information that user reads described random information, and from described audio/video information, extract described user's face picture according to preset rules.
In the present embodiment, described audio/video information comprises audio frequency and the dynamic video of lip that user reads described random information, server extracts multiple user's face picture at random from described audio/video information, and filter out suitable user's face picture according to sharpness, static state degree, to preserve as the Target Photo upgraded.
In the present embodiment, as shown in Figure 3, on the basis of the embodiment of above-mentioned Fig. 1 or Fig. 2, described step S104 comprises:
S1041, when described similarity score is in the first pre-determined range, starts the video conversation pattern between described client terminal;
In the present embodiment, when described 60��M��90, show in face recognition process, the Target Photo similarity of user video picture and Central Bank or Ministry of Public Security's retention is lower, it is possible to reason is that the Target Photo retained is unintelligible, or user's face of the remote past there occurs change, now, need the video conversation pattern started between described client terminal, again obtain the Target Photo of high definition, to facilitate user to re-start identification.
S1042, confirms described user profile by described video conversation pattern to user;
In the present embodiment, described video conversation pattern is video pattern one to one, is that user carries out identity information confirmation by the customer service of server, specifically comprises the personal information such as name, identification card number, licence issuing authority, identity card validity period.
S1043, when described user profile confirms errorless, intercepts described user's face picture, to set up high definition picture data storehouse.
In the present embodiment, when user profile confirms errorless, it is possible to the random face picture intercepted or intercept user according to budget rule, using this as the Target Photo upgraded, to set up high definition picture data storehouse.
In the present embodiment, as shown in Figure 4, on the basis of the embodiment of above-mentioned Fig. 1, also comprise after described step S103:
Step S107, when described similarity score is in the 2nd pre-determined range, opens the first electronic account with card number, and opens an account to the transmission of described client terminal and successfully notify.
In the present embodiment, when M > 90, show the face picture of user and the similarity height of Target Photo, now, the first electronic account with card number can be found, and open an account to the transmission of described client terminal and successfully notify. Described first electronic account is the electronic account opened for client after identity information verification, recognition of face, In vivo detection etc. more advanced secure authentication, after user opens the first electronic account, generally must associate a card number interchanger number of 62 dops (can) for the electronic account of user, can but be not necessary for user and allot entity card (containing the intelligence integrated card of device chip, i.e. IC-card), this jig is for the main function of bank settlement account, it is provided that account inquiry and management, investment financing, individual loan, transfer accounts, payment and settlement etc. serves.
In other embodiments, when the Target Photo itself that Central Bank or the Ministry of Public Security retain is clear and when user successfully opens an account, for promoting security and the preciseness of server, asynchronous examination & verification mechanism can also be added: whether the audio/video information uploaded by customer service artificial congnition is user, and several key factors of artificial congnition are: whether mask zone after user successfully opens an account for some time; Whether it is photo, video; Whether it is other animals etc.
In the present embodiment, as shown in Figure 4, on the basis of the embodiment of above-mentioned Fig. 1, also comprise after described step S103:
Step S108, when described similarity score is in the 3rd pre-determined range, sends the notice refusing to open an account to described client terminal.
In the present embodiment, when M < 60, showing that the similarity between user's face picture and described Target Photo is lower, now, server can directly refuse the request that user opens the first electronic account with card number.
In the present embodiment, as shown in Figure 5, on the basis of the embodiment of above-mentioned Fig. 1, also comprise before described step S102:
Step S109, is verified described application personal information of opening an account by note, described application personal information of opening an account is carried out identity card networking simultaneously and verifies checking;
In the present embodiment, the forms such as passport NO. that user is filled in by server, mobile phone number are verified, after checking is errorless, the mobile phone number filled in user sends short message verification code, to complete verifying dynamic password. Meanwhile, server needs in real time the name of user and passport NO. to be carried out identity networking and verifies, and judges name, identity document number whether with reserved consistent of the Ministry of Public Security.
Step S110, arranges trading password when by verifying;
In the present embodiment, verifying dynamic password and subscriber identity information are audited by rear, user need to read and agree to " electronic account open an account agreement ", and the digital trading password that predetermined number is 6 is set online, certainly, in other embodiments, trading password is not limited in the present embodiment number and type.
Step S111, opens the 2nd electronic account with card number.
In the present embodiment, user is bid to host through real-name authentication, taking card number as the 2nd electronic account indicated by online, described 2nd electronic account is Simple electronic account, it is provided that the service such as my account transfer of the same name, loan origination account etc. after account inquiry and management, investment financing, binding.
In the present embodiment, as shown in Figure 5, on the basis of the embodiment of above-mentioned Fig. 1, also comprise after described step S110:
S112, according to described application personal information of opening an account, the bank card that binding is of the same name with user.
In the present embodiment, by user by client terminal fill in I under one's name other bank card card number of the same name and he manage it after reserved cell-phone number, server fill in user he manage it reserved cell-phone number and send short message verification code, complete verifying dynamic password. Meanwhile, server can dock Central Bank's account verification system or Unionpay's system etc., judges whether name, card number and reserved cell-phone number retain the consistent of information with Central Bank's system or Unionpay's system etc., if unanimously, then completes the binding between the bank card that user is of the same name.
As shown in Figure 6, another embodiment of the present invention provides a kind of server 1, and described server 1 comprises:
First receiver module 101, for obtaining the user profile of open an account application personal information and reception client scan that user is inputted by client terminal;
In the present embodiment, described client terminal can be the various mobile terminals such as mobile phone terminal, notebook computer, panel computer, portable electric appts, it is possible to thinks PC fixed terminal, and the present embodiment is preferably mobile terminal of mobile telephone.It should be appreciated that the long-range application program of opening an account that described client terminal is loaded on the equipment such as described mobile phone terminal under can also being. Described application personal information of opening an account at least comprises: name, certificate type, mobile phone number etc. Described user's certificate can be various types of certificates such as identity card, passport, army's testimony of a witness, residence booklet, residence permit, People's Armed Police's identity card, the pass, temporary residency card.
It is understandable that, client terminal can by starting long-range program of opening an account, user is pointed out to carry out certificate information scanning, for identity card, specifically can first scan identity document front, then scan identity document reverse side, and automatically by scanning recognition system of real name key message, comprise following information: name, sex, nationality, date of birth, address, passport NO., photo, licence issuing authority and validity period etc., the above real name information after scanning recognition is sent to server 1 by client terminal.
In the present embodiment, described server 1 has huge user social contact data (such as micro-letter, hand Q etc.), based on user's reference model, it is possible to filter out qualified target user, and invites the application function that it opens bank electronic account.
First acquisition module 102, for when described application personal information of opening an account is consistent with described user profile, obtaining user's face picture that described client terminal obtains by opening camera shooting;
In the present embodiment, when described application personal information of opening an account is consistent with described user profile, feedback identification check is successfully pointed out, for improving safety performance further, by opening camera, in real time or with the front face video of predetermined frequency shooting user, server intercepts user's face picture to client terminal from face video. It should be appreciated that in shooting process, in order to carry high safety grade, prevent other people from palming off, it is also possible to require that user is with reading by prompting random information. And when open an account application personal information and described user profile are inconsistent, do not mate with name such as user's identification card number or situation that identification card number does not exist, feed back identification check and unsuccessfully point out.
Calculate module 103, for identification of described user's face picture and Target Photo being compared by described Identification platform, and obtain similarity score in conjunction with In vivo detection technique computes;
In the present embodiment, described user's face picture and described user profile are carried out contrast and identify by described server 1, obtain the identification score between described user's face picture and described user profile, and, add In vivo detection technology, in conjunction with picture comparing result and In vivo detection result, calculate described similarity score, to improve security.
In one embodiment, when user opens an account for the first time, server 1 obtains the identity card head portrait of user to Central Bank's network verification system, and the similarity of comparison identity card head portrait and user's face picture.
In another embodiment, when server 1 does not get the identity card head portrait of user from Central Bank's network verification system, server 1 sends user's core body request to Ministry of Public Security's system, the user's identity picture prestored by the system comparison Ministry of Public Security of the Ministry of Public Security and the similarity of user's face picture.
Set up module 104, for when described similarity score is in the first pre-determined range, start the video conversation pattern between described client terminal, upgrade described Target Photo and set up high definition picture data storehouse, when again obtaining described user's face picture, again the described Target Photo of described user's face picture and renewal is identified.
In the present embodiment, described similarity score M is divided into three pre-determined ranges, first pre-determined range is 60��M��90,2nd pre-determined range is M > 90,3rd pre-determined range is M < 60, certainly, other embodiments specifically can be arranged according to practical situation, is not limited to the present embodiment.When described 60��M��90, show in face recognition process, the Target Photo similarity of user video picture and Central Bank or Ministry of Public Security's retention is lower, possible cause is that the Target Photo retained is unintelligible, or user's face of the remote past there occurs change, now, it is necessary to again obtain the Target Photo of high definition, to facilitate user to re-start identification.
Server 1 provided by the invention, first the user profile of open an account application personal information and reception client scan that user is inputted is obtained by client terminal, when described application personal information of opening an account is consistent with described user profile, obtain user's face picture that described client terminal obtains by opening camera shooting, then described user's face picture and Target Photo are compared identification, and obtain similarity score in conjunction with In vivo detection technique computes, wherein, when described similarity score is in the first pre-determined range, start the video conversation pattern between described client terminal, upgrade described Target Photo and set up high definition picture data storehouse, with when again obtaining described user's face picture, again the described Target Photo of described user's face picture and renewal is identified. like this, it is possible to the problem that the recognition of face that solution certain customers cause due to problems such as Identification platform are as unintelligible or outmoded in the photo of Central Bank or Ministry of Public Security's retention when long-range opening an account is not passed through, to improve the long-range percent of pass opened an account of user, and then Consumer's Experience is improved.
In one embodiment, as shown in Figure 7, on the basis of the embodiment of above-mentioned Fig. 6, described server 1 also comprises:
2nd receiver module 105, the random information sent for receiving described client terminal generates request instruction;
Generation module 106, generates random information for generating request instruction according to described random information;
In the present embodiment, user end to server 1 sends random information and generates request instruction, in this preferred embodiment, described server, after receiving described request instruction, generates the random information comprising any one or more combination of numeral, letter, Chinese character, symbol or more according to special algorithm. For string number, the camera of client terminal is in the process of shooting user, namely Arabic numerals are shown to user at random every a second, and user need at the uniform velocity read aloud the numeral of display, the complete video of recording is uploaded onto the server 1 by client terminal, it should be appreciated that described video file should be encrypted in transmitting procedure.
Wherein, described first acquisition module 102 is further used for:
Receive described mobile terminal and record the audio/video information that user reads described random information, and from described audio/video information, extract described user's face picture according to preset rules.
In the present embodiment, described audio/video information comprises audio frequency and the dynamic video of lip that user reads described random information, server 1 extracts multiple user's face picture at random from described audio/video information, and filter out suitable user's face picture according to sharpness, static state degree, to preserve as the Target Photo upgraded.
In one embodiment, as shown in Figure 8, on the basis of the embodiment of above-mentioned Fig. 6 or 7, described module 104 of setting up comprises:
Start unit 1041, for when described similarity score is in the first pre-determined range, starting the video conversation pattern between described client terminal;
In the present embodiment, when described 60��M��90, show in face recognition process, the Target Photo similarity of user video picture and Central Bank or Ministry of Public Security's retention is lower, it is possible to reason is that the Target Photo retained is unintelligible, or user's face of the remote past there occurs change, now, need the video conversation pattern started between described client terminal, again obtain the Target Photo of high definition, to facilitate user to re-start identification.
Confirmation unit 1042, for confirming described user profile by described video conversation pattern to user;
In the present embodiment, described video conversation pattern is video pattern one to one, is that user carries out identity information confirmation by the customer service of server 1, specifically comprises the personal information such as name, identification card number, licence issuing authority, identity card validity period.
Interception unit 1043, for when described user profile confirms errorless, intercepting described user's face picture, to set up high definition picture data storehouse.
In the present embodiment, when user profile confirms errorless, it is possible to the random face picture intercepted or intercept user according to budget rule, using this as the Target Photo upgraded, to set up high definition picture data storehouse.
In the present embodiment, as shown in Figure 9, on the basis of the embodiment of above-mentioned Fig. 6, described server 1 also comprises:
First opens module 107, for when described similarity score is in the 2nd pre-determined range, opening the first electronic account with card number, and opens an account to the transmission of described client terminal and successfully notifies.
In the present embodiment, when M > 90, show the face picture of user and the similarity height of Target Photo, now, the first electronic account with card number can be found, and open an account to the transmission of described client terminal and successfully notify. Described first electronic account is the electronic account opened for client after identity information verification, recognition of face, In vivo detection etc. more advanced secure authentication, after user opens the first electronic account, generally must associate a card number interchanger number of 62 dops (can) for the electronic account of user, can but be not necessary for user and allot entity card (containing the intelligence integrated card of device chip, i.e. IC-card), this jig is for the main function of bank settlement account, it is provided that account inquiry and management, investment financing, individual loan, transfer accounts, payment and settlement etc. serves.
In other embodiments, when the Target Photo itself that Central Bank or the Ministry of Public Security retain is clear and when user successfully opens an account, for promoting security and the preciseness of server 1, asynchronous examination & verification mechanism can also be added: whether the audio/video information uploaded by customer service artificial congnition is user, and several key factors of artificial congnition are: whether mask zone after user successfully opens an account for some time; Whether it is photo, video; Whether it is other animals etc.
In the present embodiment, as shown in Figure 9, on the basis of the embodiment of above-mentioned Fig. 6, described server 1 also comprises:
Notification module 108, for when described similarity score is in the 3rd pre-determined range, sending the notice refusing to open an account to described client terminal.
In the present embodiment, when M < 60, showing that the similarity between user's face picture and described Target Photo is lower, now, server 1 can directly refuse the request that user opens the first electronic account with card number.
In one embodiment, as shown in Figure 10, on the basis of the embodiment of above-mentioned Fig. 6, described server 1 also comprises:
Authentication module 109, for described application personal information of opening an account being verified by note, is carried out identity card networking to described application personal information of opening an account simultaneously and verifies checking;
In the present embodiment, the forms such as passport NO. that user is filled in by server 1, mobile phone number are verified, after checking is errorless, the mobile phone number filled in user sends short message verification code, to complete verifying dynamic password. Meanwhile, server 1 needs in real time the name of user and passport NO. to be carried out identity networking and verifies, and judges name, identity document number whether with reserved consistent of the Ministry of Public Security.
Module 110 is set, for arranging trading password when by verifying;
In the present embodiment, verifying dynamic password and subscriber identity information are audited by rear, user need to read and agree to " electronic account open an account agreement ", and the digital trading password that predetermined number is 6 is set online, certainly, in other embodiments, trading password is not limited in the present embodiment number and type.
2nd opens module 111, for opening the 2nd electronic account with card number.
In the present embodiment, user is bid to host through real-name authentication, taking card number as the 2nd electronic account indicated by online, described 2nd electronic account is Simple electronic account, it is provided that the service such as my account transfer of the same name, loan origination account etc. after account inquiry and management, investment financing, binding.
In the present embodiment, as shown in Figure 10, on the basis of the embodiment of above-mentioned Fig. 6, described server 1 also comprises:
Binding module 112, for application personal information of opening an account described in basis, the bank card that binding is of the same name with user.
In the present embodiment, by user by client terminal fill in I under one's name other bank card card number of the same name and he manage it after reserved cell-phone number, server 1 fill in user he manage it reserved cell-phone number and send short message verification code, complete verifying dynamic password. Meanwhile, server 1 can dock Central Bank's account verification system or Unionpay's system etc., judges whether name, card number and reserved cell-phone number retain the consistent of information with Central Bank's system or Unionpay's system etc., if unanimously, then completes the binding between the bank card that user is of the same name.
As shown in figure 11, another embodiment of the present invention also provides a kind of long-range account opening system 100, and described long-range account opening system 100 comprises client terminal 2 and server 1 as above,
As shown in figure 12, in one embodiment, described client terminal 2 comprises:
2nd acquisition module 201, for obtaining the user profile of open an account application personal information and the scanning of user's input;
In the present embodiment, described client terminal can be the various mobile terminals such as mobile phone terminal, notebook computer, panel computer, portable electric appts, it is possible to thinks PC fixed terminal, and the present embodiment is preferably mobile terminal of mobile telephone. It should be appreciated that the long-range application program of opening an account that described client terminal is loaded on the equipment such as described mobile phone terminal under can also being. Described application personal information of opening an account at least comprises: name, certificate type, mobile phone number etc. Described user's certificate can be various types of certificates such as identity card, passport, army's testimony of a witness, residence booklet, residence permit, People's Armed Police's identity card, the pass, temporary residency card.
By described opening an account, first sending module 202, for applying for that personal information and user profile are sent to described server 1;
It is understandable that, client terminal can by starting long-range program of opening an account, user is pointed out to carry out certificate information scanning, for identity card, specifically can first scan identity document front, then scan identity document reverse side, and automatically by scanning recognition system of real name key message, comprise following information: name, sex, nationality, date of birth, address, passport NO., photo, licence issuing authority and validity period etc., the above real name information after scanning recognition is sent to server 1 by client terminal.
Taking module 203, time consistent with described user profile for application personal information of opening an account described in confirming at described server 1, opens user's face video that camera shooting obtains;
In the present embodiment, when described application personal information of opening an account is consistent with described user profile, feedback identification check is successfully pointed out, for improving safety performance further, client terminal by opening camera in real time or take the front face video of user with predetermined frequency, from face video, intercept user's face picture. It should be appreciated that in shooting process, in order to carry high safety grade, prevent other people from palming off, it is also possible to require that user is with reading by prompting random information. And when open an account application personal information and described user profile are inconsistent, do not mate with name such as user's identification card number or situation that identification card number does not exist, feed back identification check and unsuccessfully point out.
2nd sending module 204, for being sent to described server 1 by described user's face picture.
Also it should be noted that, herein, term " comprises ", " comprising " or its any other variant are intended to contain comprising of nonexcludability, so that comprise the process of a series of key element, method, article or device not only comprise those key elements, but also comprise other key elements clearly do not listed, or also comprise the key element intrinsic for this kind of process, method, article or device. When not more restrictions, the key element limited by statement " comprising ... ", and be not precluded within process, method, article or the device comprising this key element and also there is other identical element.
Above-mentioned embodiment of the present invention sequence number, just to describing, does not represent the quality of embodiment.
Through the above description of the embodiments, the technician of this area can be well understood to above-described embodiment method and can realize by the mode that software adds required general hardware platform, hardware can certainly be passed through, but in a lot of situation, the former is better enforcement mode. Based on such understanding, the technical scheme of the present invention in essence or says that part prior art contributed can embody with the form of software product, this computer software product is stored in a storage media (such as ROM/RAM, magnetic disc, CD), comprise some instructions with so that a station terminal equipment (can be mobile phone, computer, server, or the network equipment etc.) perform the method described in each embodiment of the present invention.
These are only the preferred embodiments of the present invention; not thereby the patent scope of the present invention is limited; every utilize specification sheets of the present invention and accompanying drawing content to do equivalent structure or equivalence flow process conversion; or directly or indirectly it is used in other relevant technical fields, all it is included in the scope of patent protection of the present invention with reason.
Claims (16)
1. the long-range personal identification method opened an account, it is characterised in that, the described long-range personal identification method opened an account comprises the following steps:
Obtain the user profile of open an account application personal information and reception client scan that user is inputted by client terminal;
When described application personal information of opening an account is consistent with described user profile, obtain user's face picture that described client terminal obtains by opening camera shooting;
Described user's face picture and Target Photo are compared identification, and obtain similarity score in conjunction with In vivo detection technique computes;
When described similarity score is in the first pre-determined range, start the video conversation pattern between described client terminal, upgrade described Target Photo and set up high definition picture data storehouse, when again obtaining described user's face picture, again the described Target Photo of described user's face picture and renewal is identified.
2. the long-range personal identification method opened an account as claimed in claim 1, it is characterized in that, described when described application personal information of opening an account is consistent with described user profile, also comprise before obtaining the step of user's face picture that described client terminal is obtained by unlatching camera shooting:
Receive the random information generation request instruction that described client terminal sends;
Generate request instruction according to described random information and generate random information;
Wherein, the described client terminal of described acquisition comprises further by opening the step of user's face picture that camera shooting obtains:
Receive described mobile terminal and record the audio/video information that user reads described random information, and from described audio/video information, extract described user's face picture according to preset rules.
3. the long-range personal identification method opened an account as claimed in claim 2, it is characterised in that, described random information comprises any one or more combination of numeral, letter, Chinese character, symbol or more.
4. the long-range personal identification method opened an account as claimed in claim 2 or claim 3, it is characterized in that, it is described when described similarity score is in the first pre-determined range, start the video conversation pattern between described client terminal, upgrade described Target Photo and set up high definition picture data storehouse, when again obtaining described user's face picture, again the step that the described Target Photo of described user's face picture and renewal carries out identifying is comprised:
When described similarity score is in the first pre-determined range, start the video conversation pattern between described client terminal;
Described user profile is confirmed to user by described video conversation pattern;
When described user profile confirms errorless, intercept described user's face picture, to set up high definition picture data storehouse.
5. the long-range personal identification method opened an account as claimed in claim 1, it is characterized in that, it is described when described similarity score is in the first pre-determined range, start the video conversation pattern between described client terminal, and set up high definition picture data storehouse, with when again obtaining described user's face picture, again also comprise after the step of described user's face picture and described user profile identification:
When described similarity score is in the 2nd pre-determined range, open the first electronic account with card number, and open an account to the transmission of described client terminal and successfully notify.
6. the long-range personal identification method opened an account as described in claim 1 or 5, it is characterized in that, it is described when described similarity score is in the first pre-determined range, start the video conversation pattern between described client terminal, upgrade described Target Photo and set up high definition picture data storehouse, when again obtaining described user's face picture, also to comprise after again the described Target Photo of described user's face picture and renewal being carried out the step identified:
When described similarity score is in the 3rd pre-determined range, send the notice refusing to open an account to described client terminal.
7. the long-range personal identification method opened an account as claimed in claim 1, it is characterised in that, also comprise before the step of the user profile of described reception client scan:
By note, described application personal information of opening an account is verified, described application personal information of opening an account is carried out identity card networking simultaneously and verify checking;
When by verifying, trading password is set;
Open the 2nd electronic account with card number.
8. the long-range personal identification method opened an account as claimed in claim 7, it is characterised in that, described in open and also comprise with before the step of the 2nd electronic account of card number:
According to described application personal information of opening an account, the bank card that binding is of the same name with user.
9. a server, it is characterised in that, described server comprises:
First receiver module, for obtaining the user profile of open an account application personal information and reception client scan that user is inputted by client terminal;
First acquisition module, for when described application personal information of opening an account is consistent with described user profile, obtaining user's face picture that described client terminal obtains by opening camera shooting;
Calculate module, for identification of described user's face picture and Target Photo being compared, and obtain similarity score in conjunction with In vivo detection technique computes;
Set up module, for when described similarity score is in the first pre-determined range, start the video conversation pattern between described client terminal, upgrade described Target Photo and set up high definition picture data storehouse, when again obtaining described user's face picture, again the described Target Photo of described user's face picture and renewal is identified.
10. server as claimed in claim 9, it is characterised in that, described server also comprises:
2nd receiver module, the random information sent for receiving described client terminal generates request instruction;
Generation module, generates random information for generating request instruction according to described random information;
Wherein, described first acquisition module is further used for:
Receive described mobile terminal and record the audio/video information that user reads described random information, and from described audio/video information, extract described user's face picture according to preset rules.
11. servers as claimed in claim 9, it is characterised in that, described module of setting up comprises:
Start unit, for when described similarity score is in the first pre-determined range, starting the video conversation pattern between described client terminal;
Confirmation unit, for confirming described user profile by described video conversation pattern to user;
Interception unit, for when described user profile confirms errorless, intercepting described user's face picture, to set up high definition picture data storehouse.
12. servers as claimed in claim 9, it is characterised in that, described server also comprises:
First opens module, for when described similarity score is in the 2nd pre-determined range, opening the first electronic account with card number, and opens an account to the transmission of described client terminal and successfully notifies.
13. servers as described in claim 9 or 12, it is characterised in that, described server also comprises:
Notification module, for when described similarity score is in the 3rd pre-determined range, sending the notice refusing to open an account to described client terminal.
14. servers as claimed in claim 9, it is characterised in that, described server also comprises:
Authentication module, for described application personal information of opening an account being verified by note, is carried out identity card networking to described application personal information of opening an account simultaneously and verifies checking;
Module is set, for arranging trading password when by verifying;
2nd opens module, for opening the 2nd electronic account with card number.
15. servers as claimed in claim 14, it is characterised in that, described server also comprises:
Binding module, for application personal information of opening an account described in basis, the bank card that binding is of the same name with user.
16. 1 kinds of long-range account opening systems, it is characterised in that, described long-range account opening system comprises client terminal and the server as according to any one of claim 9 to 15,
Described client terminal comprises:
2nd acquisition module, for obtaining the user profile of open an account application personal information and the scanning of user's input;
By described opening an account, first sending module, for applying for that personal information and user profile are sent to described server;
Taking module, for when application personal information of opening an account described in the confirmation of described server is consistent with described user profile, opening camera and take the user's face video obtained;
2nd sending module, for being sent to described server by described user's face video.
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| CN201510974238.9A CN105654372A (en) | 2015-12-22 | 2015-12-22 | Identity recognition method for remote account opening and server and system |
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| CN201510974238.9A CN105654372A (en) | 2015-12-22 | 2015-12-22 | Identity recognition method for remote account opening and server and system |
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