CN111754234A - Air banking business processing method and device - Google Patents
Air banking business processing method and device Download PDFInfo
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Abstract
The invention discloses an air banking business processing method and device, wherein the method comprises the following steps: receiving a service processing request submitted by a user, and acquiring a face feature image, identity document information and an electronic identity identifier eID of a citizen network of the user; authenticating the face characteristic image and the identity document information of the user to obtain a first identity authentication result; uploading the eID and identity document information of the user to an eID system of a public security department for authentication, and acquiring a second identity authentication result; and if the first identity authentication result and the second identity authentication result are both authenticated, matching a corresponding seat end for the user to process the service processing request according to the service type corresponding to the service processing request. The invention can remotely handle various services under the condition of confirming the reliable identity of the user, solves the problem that the client can handle complex services only in a bank outlet and greatly limits the timeliness and the convenience of the client, and further improves the user experience.
Description
Technical Field
The invention relates to the technical field of data communication, in particular to an air banking business processing method and device.
Background
This section is intended to provide a background or context to the embodiments of the invention that are recited in the claims. The description herein is not admitted to be prior art by inclusion in this section.
Traditional banks are gradually merged with internet business modes by means of some scientific and technical modes, and most of banks already provide services for customers by means of mobile internet and website transaction modes for some traditional conventional businesses, such as life payment, financial management and purchasing, convenient travel and the like. However, some complicated services, such as KYC (knowledgebase Customer, who knows your customers fully), double-recording, real-name signature, etc., of large deposits, loans, and funds, must be achieved by a professional bank worker to communicate with the Customer fully and then confirm that the user identity is reliable.
Among the services currently provided by banks, telephone banks, online services and mobile phone banks can provide remote services to customers through different connection modes, but the above method can only provide business services with limited functions based on the security of user information. Although mobile banking can identify biological information (such as fingerprints and face information) of a user, the reliability of the identity of the user cannot be guaranteed, and thus complex services such as loan handling and the like which can be handled only by identity authentication before being checked cannot be supported.
Some current banks also have VTMs (remote video Teller machines), though the equipment can handle deposit, loan and other businesses which originally need to be handled by facing the counter remotely, the counter business is replaced, the business pressure of the counter of the bank is released, and counter staff is shunted, so that the bank can transfer to a light-weight network. However, from the perspective of the client, since the VTM is located at the bank outlets, the client still needs to go to the bank outlets to handle the business, the timeliness and convenience of the client are greatly limited, and the requirement of the client on time fragmentation in the internet background cannot be met.
In summary, the current bank cannot provide a method for remotely handling various services for the client under the condition of confirming the reliable identity of the user.
Disclosure of Invention
The embodiment of the invention provides an air banking business processing method, which is used for realizing remote business handling under the condition of ensuring reliable user identity and comprises the following steps:
receiving a service processing request submitted by a user, and acquiring a face feature image, identity document information and an electronic identity identifier eID (electronic identity) of the user;
authenticating the face characteristic image and the identity document information of the user to obtain a first identity authentication result;
uploading the eID and identity document information of the user to an eID system of a public security department for authentication, and acquiring a second identity authentication result;
and if the first identity authentication result and the second identity authentication result are both authenticated, matching a corresponding seat end for the user to process the service processing request according to the service type corresponding to the service processing request.
The embodiment of the invention also provides an identity authentication device for air bank, which is used for realizing remote transaction service under the condition of ensuring reliable user identity, and comprises the following components:
the service processing request receiving module is used for receiving a service processing request submitted by a user;
the information acquisition module is used for acquiring a face feature image, identity document information and an electronic identity identifier eID of a citizen network of a user;
the first authentication module is used for authenticating the face characteristic image and the identity document information of the user and acquiring a first identity authentication result;
the second authentication module uploads the eID and identity document information of the user to an eID system of a public security department for authentication to obtain a second identity authentication result;
and the service processing module is used for matching a corresponding seat end for the user to process the service processing request according to the service type corresponding to the service processing request if the first identity authentication result and the second identity authentication result are both authenticated.
The embodiment of the invention also provides computer equipment which comprises a memory, a processor and a computer program which is stored on the memory and can run on the processor, wherein the processor realizes the air banking business processing method when executing the computer program.
An embodiment of the present invention further provides a computer-readable storage medium, where a computer program for executing the above-mentioned air banking business processing method is stored in the computer-readable storage medium.
In the embodiment of the invention, a business processing request submitted by a user is received, and a face characteristic image, identity document information and an electronic identity identifier eID of a citizen network of the user are acquired; authenticating the face characteristic image and the identity document information of the user to obtain a first identity authentication result; uploading the eID and identity document information of the user to an eID system of a public security department for authentication, and acquiring a second identity authentication result; compared with the prior art that the current bank cannot provide a scheme for remotely handling various services under the condition of confirming the reliable user identity for the client, the invention can accurately identify the user identity by performing authentication through eID, face characteristic images and identity document information; in addition, if the first identity authentication result and the second identity authentication result are both authenticated, the service processing request is processed by matching a corresponding seat end for the user according to the service type corresponding to the service processing request; the identity of the user is authenticated in two different modes, and the transaction can be carried out only by the user through the two types of authentication at the same time, so that the unreliability of identity authentication by using the biological characteristics of the user singly is avoided, the remote handling of various services under the condition of confirming the reliability of the identity of the user is realized, the problems that the client needs to handle complex services at a bank outlet, the timeliness and the convenience of the client are greatly limited are solved, and the user experience is improved.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts. In the drawings:
FIG. 1 is a flow chart illustrating a method for processing an air banking transaction in an embodiment of the present invention;
FIG. 2 is a diagram illustrating an embodiment of an over-the-air banking process method of FIG. 1;
FIG. 3 is a diagram illustrating another exemplary embodiment of the method for processing an over-the-air banking transaction of FIG. 1 according to the present invention;
FIG. 4 is a schematic diagram of an embodiment of an air banking device of the present invention;
FIG. 5 is a diagram illustrating an exemplary embodiment of the over-the-air banking device of FIG. 4 in accordance with the present invention;
FIG. 6 is a diagram illustrating another exemplary embodiment of the air banking device of FIG. 4 according to the present invention;
FIG. 7 is a diagram of an exemplary application of an air banking apparatus according to an embodiment of the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the embodiments of the present invention more apparent, the embodiments of the present invention are further described in detail below with reference to the accompanying drawings. The exemplary embodiments and descriptions of the present invention are provided to explain the present invention, but not to limit the present invention.
The embodiment of the invention provides an air banking business processing method which is used for realizing remote business handling under the condition of ensuring reliable user identity. Fig. 1 is a flow chart illustrating an air banking processing method according to an embodiment of the present invention. As shown in fig. 1, the method according to the embodiment of the present invention may include:
103, uploading the eID and identity document information of the user to an eID system of a public security department for authentication, and acquiring a second identity authentication result;
and step 104, if the first identity authentication result and the second identity authentication result are both authenticated, matching a corresponding seat end for the user to process the service processing request according to the service type corresponding to the service processing request.
As can be known from the process shown in fig. 1, in the embodiment of the present invention, a service processing request submitted by a user is received, and a face feature image, identity document information, and an electronic identity identifier eID of a public network of the user are obtained; authenticating the face characteristic image and the identity document information of the user to obtain a first identity authentication result; uploading the eID and identity document information of the user to an eID system of a public security department for authentication, and acquiring a second identity authentication result; compared with the prior art that the current bank cannot provide a scheme for remotely handling various services under the condition of confirming the reliable user identity for the client, the invention can accurately identify the user identity by performing authentication through eID, face characteristic images and identity document information; in addition, if the first identity authentication result and the second identity authentication result are both authenticated, the service processing request is processed by matching a corresponding seat end for the user according to the service type corresponding to the service processing request; the identity of the user is authenticated in two different modes, and the transaction can be carried out only by the user through the two types of authentication at the same time, so that the unreliability of identity authentication by using the biological characteristics of the user singly is avoided, the remote handling of various services under the condition of confirming the reliability of the identity of the user is realized, the problems that the client needs to handle complex services at a bank outlet, the timeliness and the convenience of the client are greatly limited are solved, and the user experience is improved.
When the method is specifically implemented, firstly, a service processing request submitted by a user is received, and a face feature image, identity document information and a citizen network electronic identity identifier eID of the user are obtained.
In the embodiment, in order to obtain a face feature image, video stream data of a user can be obtained first; analyzing video stream data of a user to obtain a face feature image of the user; if the acquired face characteristic image is a face living body characteristic image, determining the face living body characteristic image as a face characteristic image to be authenticated; and if the acquired face characteristic image is not the face living characteristic image, refusing to process the service processing request.
In the embodiment, the video streaming data of the user can be analyzed through a video cloud node erected by a bank; the video streaming information can be rapidly processed through the video cloud node, and smooth user experience is provided for a user; meanwhile, the video cloud nodes erected by the bank are exclusive video cloud nodes of the bank, and the safety of user information can be guaranteed.
In the embodiment, in order to acquire the identity document information of the user, an identity document image of the user can be acquired firstly; and identifying the text content of the user identity document image to acquire the identity document information of the user. In an embodiment, the text content of the user identity document image may be specifically recognized through an OCR (Optical character recognition).
In specific implementation, after the face feature image and the identity document information of the user are acquired, the face feature image and the identity document information of the user can be authenticated to acquire a first identity authentication result.
When the method is specifically implemented, eID and identity document information of the user can be uploaded to an eID system of a public security department for authentication, and a second identity authentication result is obtained.
In the embodiment, reliable authentication provided by the eID system of the department of public security can be obtained by uploading the eID and identity document information of the user to the eID system of the department of public security, and a complicated offline authentication process can be further replaced.
In the embodiment, when the user identity reliability required by the service request is lower, the public key signature and the identity certificate information of the eID of the user can be acquired to authenticate the user; when the user identity reliability required by the service request is higher, the private key signature and the identity document information of the eID of the user can be acquired to authenticate the user.
In specific implementation, if both the first identity authentication result and the second identity authentication result pass authentication, the service processing request can be processed by matching a corresponding seat end for the user according to the service type corresponding to the service processing request.
In the embodiment, in order to further confirm the reliability of the identity of the user, if and only if the first identity authentication result and the second identity authentication result are both authenticated, the service can be transacted for the user, which is beneficial to avoiding the loss caused by the user identity authentication error.
Fig. 2 is a diagram illustrating an embodiment of the method for processing the air banking service illustrated in fig. 1 according to the present invention. As shown in fig. 2, in order to further facilitate the implementation of remote transaction and avoid the occurrence of fraud, the method for processing the air banking service in fig. 1 may further include:
step 201: when a service processing request is processed, recognizing the micro-expression and voice of a user according to the video stream data of the user; and when the micro expression and the voice of the user are analyzed through the machine learning model and the fraud risk of the user is determined, the service processing request is refused to be processed.
In the embodiment, the micro expression and the voice of the user are analyzed through machine learning, whether the user possibly has fraudulent behaviors is judged according to the micro expression and the voice of the user, and implementation of remote service handling is facilitated.
Fig. 3 is a diagram illustrating another embodiment of the method for processing the air banking service illustrated in fig. 1 according to the present invention. As shown in fig. 3, the method for processing an air banking service in fig. 1 may further include:
step 301: when the service processing request is processed, service processing confirmation information is sent to a user; and receiving an eID private key signature fed back by the user according to the business processing confirmation information, and confirming the business processing request according to the eID private key signature.
In the embodiment, when the service processing request is processed and the user is required to confirm the transaction and/or the service content, service processing confirmation information can be sent to the user; and after receiving the eID private key signature fed back by the user according to the business processing confirmation information, the user can be considered to have confirmed the contents of the transaction and/or the business. On one hand, the identity of the user can be authenticated again by obtaining the eID private key signature, and on the other hand, the situation that the user refuses to admit the transaction content and then repudiation occurs after the transaction is completed is avoided.
The embodiment of the invention also provides an air banking business processing device, which is described in the following embodiment. The principle of the device for solving the problems is similar to that of the air banking business processing method, so the implementation of the device can refer to the implementation of the air banking business processing method, and repeated parts are not described again.
Fig. 4 is a schematic structural diagram of an air banking processing device according to an embodiment of the present invention. As shown in fig. 4, the air banking apparatus according to the present invention may include:
a service processing request receiving module 401, configured to receive a service processing request submitted by a user;
the information acquisition module 402 is used for acquiring a face feature image, identity document information and an electronic identity identifier eID of a citizen network of a user;
the first authentication module 403 is configured to authenticate a face feature image and identity document information of a user, and obtain a first identity authentication result;
the second authentication module 404 is configured to upload the eID and identity document information of the user to an eID system of the public security department for authentication, and obtain a second identity authentication result;
and the service processing module 405 is configured to, if the first identity authentication result and the second identity authentication result are both authenticated, match a corresponding seat end for the user to process the service processing request according to the service type corresponding to the service processing request.
FIG. 5 is a diagram of an embodiment of the apparatus for processing an over-the-air banking transaction shown in FIG. 4. As shown in fig. 5, the apparatus for processing an air banking service according to the present invention may further include:
a service processing confirmation module 501, configured to send service processing confirmation information to a user when the service processing request is processed; and receiving an eID private key signature fed back by the user according to the business processing confirmation information, and confirming the business processing request according to the eID private key signature.
In an embodiment, the information obtaining module 401 may further include:
the video stream data processing unit is used for acquiring video stream data of a user; analyzing video stream data of a user to obtain a face feature image of the user; if the acquired face characteristic image is a face living body characteristic image, determining the face living body characteristic image as a face characteristic image to be authenticated; and if the acquired face characteristic image is not the face living characteristic image, refusing to process the service processing request.
FIG. 6 is a diagram illustrating another embodiment of the apparatus for processing an airborne banking transaction depicted in FIG. 4 according to an embodiment of the present invention. As shown in fig. 6, the apparatus for processing an air banking service according to the present invention may further include:
a fraud analysis module 601, configured to identify a micro-expression and a voice of a user according to video stream data of the user when processing a service processing request; and when the micro expression and the voice of the user are analyzed through the machine learning model and the fraud risk of the user is determined, the service processing request is refused to be processed.
In an embodiment, the information obtaining module 401 may further include:
the identity document information processing unit is used for acquiring an identity document image of a user; and identifying the text content of the user identity document image to acquire the identity document information of the user.
Fig. 7 is a diagram of an application example of an air banking processing device in an embodiment of the present invention, as shown in fig. 7:
the air banking device can connect a user terminal 702 and an agent terminal 703 through a front-end access channel 701; the user side can be a mobile banking or applet and the like, and the seat side can be connected with the air banking device through a PC or PAD client side.
In this embodiment, the service processing request receiving module 401, the information obtaining module 402, the first authentication module 403, and the second authentication module 404 may be integrated in the technical middleware 704, so as to process data.
In this embodiment, the service processing module 405 may be integrated into the service center 705 to facilitate service distribution. Specifically, the user can be matched with the centralized operation center, the network node high cabinet, the network node low cabinet, the video customer service, the customer service manager, the wealth consultant and other agents according to the service type corresponding to the service processing request.
In this embodiment, the service processing confirmation module 501 and the fraud analysis module 601 may be integrated into the basic capability platform 706, so as to process data generated in the process of processing the service request.
In this embodiment, the air banking device may also be connected to the bank back-end business system 707, so as to process the business request through the back-end of each business system of the bank.
The embodiment of the invention also provides computer equipment which comprises a memory, a processor and a computer program which is stored on the memory and can run on the processor, wherein the processor realizes the air banking business processing method when executing the computer program.
An embodiment of the present invention further provides a computer-readable storage medium, where a computer program for executing the above-mentioned air banking business processing method is stored in the computer-readable storage medium.
In the embodiment of the invention, a business processing request submitted by a user is received, and a face characteristic image, identity document information and an electronic identity identifier eID of a citizen network of the user are acquired; authenticating the face characteristic image and the identity document information of the user to obtain a first identity authentication result; uploading the eID and identity document information of the user to an eID system of a public security department for authentication, and acquiring a second identity authentication result; compared with the prior art that the current bank cannot provide a scheme for remotely handling various services under the condition of confirming the reliable user identity for the client, the invention can accurately identify the user identity by performing authentication through eID, face characteristic images and identity document information; in addition, if the first identity authentication result and the second identity authentication result are both authenticated, the service processing request is processed by matching a corresponding seat end for the user according to the service type corresponding to the service processing request; the identity of the user is authenticated in two different modes, and the transaction can be carried out only by the user through the two types of authentication at the same time, so that the unreliability of identity authentication by using the biological characteristics of the user singly is avoided, the remote handling of various services under the condition of confirming the reliability of the identity of the user is realized, the problems that the client needs to handle complex services at a bank outlet, the timeliness and the convenience of the client are greatly limited are solved, and the user experience is improved.
As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
The above-mentioned embodiments are intended to illustrate the objects, technical solutions and advantages of the present invention in further detail, and it should be understood that the above-mentioned embodiments are only exemplary embodiments of the present invention, and are not intended to limit the scope of the present invention, and any modifications, equivalent substitutions, improvements and the like made within the spirit and principle of the present invention should be included in the scope of the present invention.
Claims (12)
1. An over-the-air banking transaction processing method, comprising:
receiving a service processing request submitted by a user, and acquiring a face feature image, identity document information and an electronic identity identifier eID of a citizen network of the user;
authenticating the face characteristic image and the identity document information of the user to obtain a first identity authentication result;
uploading the eID and identity document information of the user to an eID system of a public security department for authentication, and acquiring a second identity authentication result;
and if the first identity authentication result and the second identity authentication result are both authenticated, matching a corresponding seat end for the user to process the service processing request according to the service type corresponding to the service processing request.
2. The method of claim 1, further comprising:
when the service processing request is processed, service processing confirmation information is sent to a user;
and receiving an eID private key signature fed back by the user according to the business processing confirmation information, and confirming the business processing request according to the eID private key signature.
3. The method of claim 1, wherein obtaining a facial feature image of a user comprises:
acquiring video stream data of a user;
analyzing video stream data of a user to obtain a face feature image of the user;
if the acquired face characteristic image is a face living body characteristic image, determining the face living body characteristic image as a face characteristic image to be authenticated;
and if the acquired face characteristic image is not the face living characteristic image, refusing to process the service processing request.
4. The method of claim 3, further comprising:
when the service processing request is processed, recognizing the micro-expression and voice of the user according to the video stream data of the user;
and when the micro expression and the voice of the user are analyzed through the machine learning model and the fraud risk of the user is determined, rejecting to process the service processing request.
5. The method of claim 1, wherein obtaining identity document information for the user comprises:
acquiring an identity document image of a user;
and identifying the text content of the user identity document image to acquire the identity document information of the user.
6. An over-the-air banking transaction processing device, comprising:
the service processing request receiving module is used for receiving a service processing request submitted by a user;
the information acquisition module is used for acquiring a face feature image, identity document information and an electronic identity identifier eID of a citizen network of a user;
the first authentication module is used for authenticating the face characteristic image and the identity document information of the user and acquiring a first identity authentication result;
the second authentication module uploads the eID and identity document information of the user to an eID system of a public security department for authentication to obtain a second identity authentication result;
and the service processing module is used for matching a corresponding seat end for the user to process the service processing request according to the service type corresponding to the service processing request if the first identity authentication result and the second identity authentication result are both authenticated.
7. The apparatus of claim 6, further comprising:
the service processing confirmation module is used for sending service processing confirmation information to the user when the service processing request is processed; and receiving an eID private key signature fed back by the user according to the business processing confirmation information, and confirming the business processing request according to the eID private key signature.
8. The apparatus of claim 6, wherein the information acquisition module further comprises:
the video stream data processing unit is used for acquiring video stream data of a user; analyzing video stream data of a user to obtain a face feature image of the user; if the acquired face characteristic image is a face living body characteristic image, determining the face living body characteristic image as a face characteristic image to be authenticated; and if the acquired face characteristic image is not the face living characteristic image, refusing to process the service processing request.
9. The apparatus of claim 8, further comprising:
the fraud behavior analysis module is used for identifying the micro-expression and the voice of the user according to the video stream data of the user when the service processing request is processed; and when the micro expression and the voice of the user are analyzed through the machine learning model and the fraud risk of the user is determined, rejecting to process the service processing request.
10. The apparatus of claim 6, wherein the information acquisition module further comprises:
the identity document information processing unit is used for acquiring an identity document image of a user;
and identifying the text content of the user identity document image to acquire the identity document information of the user.
11. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the method of any one of claims 1 to 5 when executing the computer program.
12. A computer-readable storage medium, characterized in that the computer-readable storage medium stores a computer program for executing the method of any one of claims 1 to 5.
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