CN117275138A - Identity authentication method, device, equipment and storage medium based on automatic teller machine - Google Patents

Identity authentication method, device, equipment and storage medium based on automatic teller machine Download PDF

Info

Publication number
CN117275138A
CN117275138A CN202311551837.0A CN202311551837A CN117275138A CN 117275138 A CN117275138 A CN 117275138A CN 202311551837 A CN202311551837 A CN 202311551837A CN 117275138 A CN117275138 A CN 117275138A
Authority
CN
China
Prior art keywords
user
information
service
identification information
teller machine
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Pending
Application number
CN202311551837.0A
Other languages
Chinese (zh)
Inventor
李冠颖
谭江健
吴英岗
温国杰
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
CCB Finetech Co Ltd
Original Assignee
CCB Finetech Co Ltd
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by CCB Finetech Co Ltd filed Critical CCB Finetech Co Ltd
Priority to CN202311551837.0A priority Critical patent/CN117275138A/en
Publication of CN117275138A publication Critical patent/CN117275138A/en
Pending legal-status Critical Current

Links

Classifications

    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/10—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
    • G07F19/20—Automatic teller machines [ATMs]
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
    • G07F19/20—Automatic teller machines [ATMs]
    • G07F19/201—Accessories of ATMs
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
    • G07F19/20—Automatic teller machines [ATMs]
    • G07F19/203—Dispensing operations within ATMs
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
    • G07F19/20—Automatic teller machines [ATMs]
    • G07F19/206—Software aspects at ATMs

Landscapes

  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The application relates to an identity authentication method, device, equipment, storage medium and program product based on an automatic teller machine, and relates to the fields of information security technology and financial science and technology. The method and the device can improve the safety and convenience of user identity authentication and reduce the upgrading and reconstruction cost. The method comprises the following steps: determining a target service in a user interaction interface; collecting a graphic code of an automatic teller machine; obtaining identification information of the automatic teller machine according to the graphic code; verifying the biological characteristic information of the user; when the biological characteristic information verification result represents that the user is a living body, carrying out first identity verification on the user based on the identity identification information of the user and the transaction type of the target service; and under the condition that the first identity verification is passed, sending a login request containing user account information of a user, service identification information of a target service and identification information of the automatic teller machine to a server, and sending the user account information and the service identification information to the automatic teller machine by the server according to the login request.

Description

Identity authentication method, device, equipment and storage medium based on automatic teller machine
Technical Field
The present application relates to the field of information security technology and financial technology, and in particular, to an identity authentication method, an identity authentication device, a computer device, a storage medium and a computer program product based on an automatic teller machine.
Background
With the popularization and application of information security technology in the field of financial science and technology, a technology of adding a camera to an automatic teller machine and using the camera for face recognition verification appears, and the technology needs to replace equipment in a large scale and generates a certain amount of reconstruction and upgrading cost.
In the traditional technology, a general automatic teller machine can only perform simple identity authentication, such as password input, and the like, so that the problem of lower safety exists; meanwhile, due to the problems of leakage and embezzlement of user identity information and the like, information such as balance of a bank card, passwords and the like are easy to embezzle, so that the automatic teller machine in the prior art has a large safety risk when carrying out identity authentication on the user. In addition, if the automatic teller machine is updated, a certain amount of manpower and material resource replacement cost is required.
Disclosure of Invention
In view of the foregoing, it is desirable to provide an identity authentication method, apparatus, computer device, computer-readable storage medium, and computer program product based on an automatic teller machine.
In a first aspect, the present application provides an authentication method based on an automatic teller machine. The method comprises the following steps:
displaying a user interaction interface, and determining a target service in a plurality of service options displayed in the user interaction interface in response to a to-be-handled service selection instruction of a user;
collecting the graphic code of the automatic teller machine through a graphic code collecting inlet in the user interaction interface;
obtaining identification information of the automatic teller machine according to the graphic code;
collecting biological characteristic information of the user, and verifying the biological characteristic information;
under the condition that the biological characteristic information verification result represents that the user is a living body, carrying out first identity verification on the user based on the identity identification information of the user and the transaction type of the target service;
when the first identity verification is passed, a login request containing user account information of the user, service identification information of the target service and identification information of the automatic teller machine is sent to a server, and the server sends the user account information and the service identification information to the automatic teller machine according to the login request; the ATM is used for carrying out second identity verification on the user according to the user account information and the service identification information, and providing the user with the service of handling the target service under the condition that the second identity verification is passed.
In one embodiment, the collecting biometric information of the user includes:
determining a target biological characteristic information acquisition inlet in a plurality of biological characteristic information acquisition inlets in response to a biological characteristic information acquisition inlet selection instruction of the user; collecting information to be detected input by the user in the target biological characteristic information collecting inlet; and when the information to be detected meets the information limiting condition corresponding to the target biological characteristic information acquisition inlet, confirming the information to be detected as the biological characteristic information of the user.
In one embodiment, after verifying the biometric information, the method further comprises:
determining a physiological characteristic state of the user under the condition that the biological characteristic information verification result represents that the user is non-living; generating and outputting first prompt information based on the physiological characteristic state to prompt the user to adjust the physiological characteristic state to obtain an adjusted physiological characteristic state; verifying the biological characteristic information of the user based on the adjusted physiological characteristic state to obtain an updated biological characteristic information verification result; continuing to execute subsequent steps when the updated biometric information verification result characterizes the user as a living body; and generating and outputting verification failure information under the condition that the updated biological characteristic information verification result represents that the user is non-living body. In one embodiment, the method further comprises:
Updating the accumulated times of verification failure of the account of the user in a preset time window under the condition that any one of the biometric information, the first identity verification and the second identity verification fails; and under the condition that the accumulated times of verification failure exceeds a time threshold, canceling the account login permission of the account in the preset time window.
In a second aspect, the application also provides an identity authentication method based on the automatic teller machine. The method comprises the following steps:
displaying the graphic code; the graphic code carries identification information of an automatic teller machine;
receiving user account information and service identification information sent by a server; the user account information and the service identification information are sent by the server according to a login request of the mobile terminal; the login request comprises user account information of a user, service identification information of a target service and identification information of the automatic teller machine; the login request is sent by the mobile terminal under the condition that the first identity verification of the user is passed; the first identity verification is performed on the user based on the identity information of the user and the transaction type of the target service option under the condition that the biological characteristic information verification result represents that the user is a living body; the target service is determined in a plurality of service options displayed in a user interaction interface; the user interaction interface is displayed by the mobile terminal; the mobile terminal obtains the identification information through the graphic code collected by the graphic code collection inlet in the user interaction interface;
And carrying out second identity authentication on the user according to the user account information and the service identification information, and providing the user with the service of handling the target service under the condition that the second identity authentication is passed.
In one embodiment, the performing the second authentication on the user according to the user account information and the service identification information includes:
inquiring whether the user has the operation authority of the target service or not according to the user account information and the service identification information; and under the condition that the user has the operation authority of the target service, confirming that the second identity verification passes.
In one embodiment, the method further comprises:
recording operation information of the target business transaction under the condition that the second identity verification passes; matching target information items in an information base according to the user account information; and inputting the operation information into a target information item in the information base.
In a third aspect, the application further provides an identity authentication device based on the automatic teller machine. The device comprises:
the service determining module is used for displaying a user interaction interface and responding to a to-be-handled service selection instruction of a user to determine a target service in a plurality of service options displayed in the user interaction interface; the graphic code acquisition module is used for acquiring the graphic code of the automatic teller machine through a graphic code acquisition inlet in the user interaction interface;
The graphic code identification module is used for obtaining the identification information of the automatic teller machine according to the graphic code;
the information verification module is used for collecting the biological characteristic information of the user and verifying the biological characteristic information;
the first verification module is used for carrying out first identity verification on the user based on the identity information of the user and the transaction type of the target service under the condition that the biological characteristic information verification result represents that the user is a living body;
a request sending module, configured to send a login request including user account information of the user, service identification information of the target service, and identification information of the automatic teller machine to a server, where the first identity verification is passed, and the server sends the user account information and the service identification information to the automatic teller machine according to the login request; the ATM is used for carrying out second identity verification on the user according to the user account information and the service identification information, and providing the user with the service of handling the target service under the condition that the second identity verification is passed.
In a fourth aspect, the application further provides an identity authentication device based on the automatic teller machine. The device comprises:
the graphic code display module is used for displaying graphic codes; the graphic code carries identification information of an automatic teller machine;
the information receiving module is used for receiving user account information and service identification information sent by the server; the user account information and the service identification information are sent by the server according to a login request of the mobile terminal; the login request comprises user account information of a user, service identification information of a target service and identification information of the automatic teller machine; the login request is sent by the mobile terminal under the condition that the first identity verification of the user is passed; the first identity verification is performed on the user based on the identity information of the user and the transaction type of the target service option under the condition that the biological characteristic information verification result represents that the user is a living body; the target service is determined in a plurality of service options displayed in a user interaction interface; the user interaction interface is displayed by the mobile terminal; the mobile terminal obtains the identification information through the graphic code collected by the graphic code collection inlet in the user interaction interface;
And the second verification module is used for carrying out second identity verification on the user according to the user account information and the service identification information, and providing the user with the service of handling the target service under the condition that the second identity verification passes.
In a fifth aspect, the present application also provides a computer device. The computer device comprises a memory storing a computer program and a processor which when executing the computer program performs the steps of:
displaying a user interaction interface, and determining a target service in a plurality of service options displayed in the user interaction interface in response to a to-be-handled service selection instruction of a user; collecting the graphic code of the automatic teller machine through a graphic code collecting inlet in the user interaction interface; obtaining identification information of the automatic teller machine according to the graphic code; collecting biological characteristic information of the user, and verifying the biological characteristic information; under the condition that the biological characteristic information verification result represents that the user is a living body, carrying out first identity verification on the user based on the identity identification information of the user and the transaction type of the target service; when the first identity verification is passed, a login request containing user account information of the user, service identification information of the target service and identification information of the automatic teller machine is sent to a server, and the server sends the user account information and the service identification information to the automatic teller machine according to the login request; the ATM is used for carrying out second identity verification on the user according to the user account information and the service identification information, and providing the user with the service of handling the target service under the condition that the second identity verification is passed.
In a sixth aspect, the present application also provides a computer device. The computer device comprises a memory storing a computer program and a processor which when executing the computer program performs the steps of:
displaying the graphic code; the graphic code carries identification information of an automatic teller machine; receiving user account information and service identification information sent by a server; the user account information and the service identification information are sent by the server according to a login request of the mobile terminal; the login request comprises user account information of a user, service identification information of a target service and identification information of the automatic teller machine; the login request is sent by the mobile terminal under the condition that the first identity verification of the user is passed; the first identity verification is performed on the user based on the identity information of the user and the transaction type of the target service option under the condition that the biological characteristic information verification result represents that the user is a living body; the target service is determined in a plurality of service options displayed in a user interaction interface; the user interaction interface is displayed by the mobile terminal; the mobile terminal obtains the identification information through the graphic code collected by the graphic code collection inlet in the user interaction interface; and carrying out second identity authentication on the user according to the user account information and the service identification information, and providing the user with the service of handling the target service under the condition that the second identity authentication is passed.
In a seventh aspect, the present application also provides a computer-readable storage medium. The computer readable storage medium having stored thereon a computer program which when executed by a processor performs the steps of:
displaying a user interaction interface, and determining a target service in a plurality of service options displayed in the user interaction interface in response to a to-be-handled service selection instruction of a user; collecting the graphic code of the automatic teller machine through a graphic code collecting inlet in the user interaction interface; obtaining identification information of the automatic teller machine according to the graphic code; collecting biological characteristic information of the user, and verifying the biological characteristic information; under the condition that the biological characteristic information verification result represents that the user is a living body, carrying out first identity verification on the user based on the identity identification information of the user and the transaction type of the target service; when the first identity verification is passed, a login request containing user account information of the user, service identification information of the target service and identification information of the automatic teller machine is sent to a server, and the server sends the user account information and the service identification information to the automatic teller machine according to the login request; the ATM is used for carrying out second identity verification on the user according to the user account information and the service identification information, and providing the user with the service of handling the target service under the condition that the second identity verification is passed.
In an eighth aspect, the present application also provides a computer-readable storage medium. The computer readable storage medium having stored thereon a computer program which when executed by a processor performs the steps of:
displaying the graphic code; the graphic code carries identification information of an automatic teller machine; receiving user account information and service identification information sent by a server; the user account information and the service identification information are sent by the server according to a login request of the mobile terminal; the login request comprises user account information of a user, service identification information of a target service and identification information of the automatic teller machine; the login request is sent by the mobile terminal under the condition that the first identity verification of the user is passed; the first identity verification is performed on the user based on the identity information of the user and the transaction type of the target service option under the condition that the biological characteristic information verification result represents that the user is a living body; the target service is determined in a plurality of service options displayed in a user interaction interface; the user interaction interface is displayed by the mobile terminal; the mobile terminal obtains the identification information through the graphic code collected by the graphic code collection inlet in the user interaction interface; and carrying out second identity authentication on the user according to the user account information and the service identification information, and providing the user with the service of handling the target service under the condition that the second identity authentication is passed.
In a ninth aspect, the present application also provides a computer program product. The computer program product comprises a computer program which, when executed by a processor, implements the steps of:
displaying a user interaction interface, and determining a target service in a plurality of service options displayed in the user interaction interface in response to a to-be-handled service selection instruction of a user; collecting the graphic code of the automatic teller machine through a graphic code collecting inlet in the user interaction interface; obtaining identification information of the automatic teller machine according to the graphic code; collecting biological characteristic information of the user, and verifying the biological characteristic information; under the condition that the biological characteristic information verification result represents that the user is a living body, carrying out first identity verification on the user based on the identity identification information of the user and the transaction type of the target service; when the first identity verification is passed, a login request containing user account information of the user, service identification information of the target service and identification information of the automatic teller machine is sent to a server, and the server sends the user account information and the service identification information to the automatic teller machine according to the login request; the ATM is used for carrying out second identity verification on the user according to the user account information and the service identification information, and providing the user with the service of handling the target service under the condition that the second identity verification is passed.
In a tenth aspect, the present application also provides a computer program product. The computer program product comprises a computer program which, when executed by a processor, implements the steps of:
displaying the graphic code; the graphic code carries identification information of an automatic teller machine; receiving user account information and service identification information sent by a server; the user account information and the service identification information are sent by the server according to a login request of the mobile terminal; the login request comprises user account information of a user, service identification information of a target service and identification information of the automatic teller machine; the login request is sent by the mobile terminal under the condition that the first identity verification of the user is passed; the first identity verification is performed on the user based on the identity information of the user and the transaction type of the target service option under the condition that the biological characteristic information verification result represents that the user is a living body; the target service is determined in a plurality of service options displayed in a user interaction interface; the user interaction interface is displayed by the mobile terminal; the mobile terminal obtains the identification information through the graphic code collected by the graphic code collection inlet in the user interaction interface; and carrying out second identity authentication on the user according to the user account information and the service identification information, and providing the user with the service of handling the target service under the condition that the second identity authentication is passed.
The identity authentication method, the identity authentication device, the computer equipment, the storage medium and the computer program product based on the automatic teller machine are used for determining target business in a plurality of business options displayed in a user interaction interface by displaying the user interaction interface and responding to a to-be-handled business selection instruction of a user; collecting the graphic code of the automatic teller machine through a graphic code collecting inlet in the user interaction interface; obtaining identification information of the automatic teller machine according to the graphic code; collecting biological characteristic information of a user, and verifying the biological characteristic information; under the condition that the biological characteristic information verification result represents that the user is a living body, carrying out first identity verification on the user based on the identity identification information of the user and the transaction type of the target service; under the condition that the first identity verification is passed, a login request containing user account information of a user, service identification information of a target service and identification information of an automatic teller machine is sent to a server, and the server sends the user account information and the service identification information to the automatic teller machine according to the login request; the ATM is used for carrying out second identity authentication on the user according to the user account information and the service identification information, and providing the user with the transacting service of the target service under the condition that the second identity authentication passes.
The beneficial effects are as follows: according to the technical scheme, physical equipment upgrading and reconstruction of a traditional automatic teller machine are not needed, target business to be transacted can be selected in a user interaction interface only by utilizing a personal smart phone of a user, and graphic codes of the automatic teller machine are collected and real-time biological characteristic information verification such as face recognition and fingerprint recognition is carried out, so that the user is prevented from carrying out low-efficiency and complicated business selection operation on the automatic teller machine, and meanwhile, quick identification and authentication of user identity information are realized; thereby the technical effects that can be achieved include: the safety of user identity authentication is improved, and the safety risk is reduced; the operation of the service selection and identity authentication mode is convenient, and the authentication speed and efficiency are improved; only the software of the ATM is required to be upgraded, so that the use experience of a user is effectively improved, and the upgrading cost of the ATM is reduced.
Drawings
FIG. 1 is an application environment diagram of an ATM-based authentication method in one embodiment;
FIG. 2 is a flow chart of an authentication method based on an ATM in one embodiment;
FIG. 3 is a flow chart of a biometric information collection step in one embodiment;
FIG. 4 is a flow chart of a biometric information re-authentication step in one embodiment;
FIG. 5 is a flowchart of an authentication method based on an ATM according to another embodiment;
FIG. 6 is a flow chart of the step of entering operational information in one embodiment;
FIG. 7 is a flow chart of an authentication method based on an ATM in yet another embodiment;
FIG. 8 is a block diagram of an authentication device based on an ATM in one embodiment;
FIG. 9 is a block diagram of an authentication device based on an ATM in another embodiment;
fig. 10 is an internal structural view of a computer device in one embodiment.
Detailed Description
In order to make the objects, technical solutions and advantages of the present application more apparent, the present application will be further described in detail with reference to the accompanying drawings and examples. It should be understood that the specific embodiments described herein are for purposes of illustration only and are not intended to limit the present application.
It should be noted that, the client information (including, but not limited to, client device information, client personal information, etc.) and the data (including, but not limited to, data for analysis, stored data, presented data, etc.) referred to in this application are information and data authorized by the client or sufficiently authorized by each party, and the collection, use, and processing of the relevant data is required to comply with relevant laws and regulations of relevant countries and regions.
The identity authentication method based on the automatic teller machine provided by the embodiment of the application can be applied to an application environment shown in fig. 1. Wherein the mobile terminal 101 communicates with the server 103 via a network, and the server 103 communicates with the automated teller machine 102 via a network.
Specifically, the mobile terminal 101 displays a user interaction interface, and determines a target service from a plurality of service options displayed in the user interaction interface in response to a to-be-handled service selection instruction of the user; collecting the graphic code of the automatic teller machine through a graphic code collecting inlet in the user interaction interface; the mobile terminal 101 obtains identification information of the automatic teller machine according to the graphic code; collecting biological characteristic information of a user, and verifying the biological characteristic information; the mobile terminal 101 performs first identity verification on the user based on the identity information of the user and the transaction type of the target service when the biometric information verification result indicates that the user is a living body; in the case that the first identity verification passes, sending a login request including user account information of a user, service identification information of a target service and identification information of an automatic teller machine to the server 103, and sending the user account information and the service identification information to the automatic teller machine 102 by the server 103 according to the login request; the atm 102 is configured to perform a second authentication on the user according to the user account information and the service identification information, and provide a transaction service of the target service for the user if the second authentication passes.
In the application environment as shown in fig. 1, the mobile terminal 101 may be, but is not limited to, various personal computers, notebook computers, smart phones, tablet computers, and portable wearable devices; the server 103 may be implemented as a stand-alone server or as a server cluster composed of a plurality of servers.
In one embodiment, as shown in fig. 2, an identity authentication method based on an automatic teller machine is provided, and the method is applied to the mobile terminal 101 in fig. 1 for illustration, and includes the following steps:
step S201, a user interaction interface is displayed, and a target service is determined in a plurality of service options displayed in the user interaction interface in response to a to-be-handled service selection instruction of a user.
The user interaction interface can be an interaction interface in an application program, such as an interaction interface of a personal mobile phone bank.
Including but not limited to deposit services, transfer services, and foreign exchange services.
Specifically, the mobile terminal 101 displays a user interaction interface, and determines a target service from a plurality of service options displayed in the user interaction interface in response to a to-be-handled service selection instruction of the user.
Step S202, collecting the graphic code of the ATM through a graphic code collecting inlet in the user interaction interface.
The graphic code is a technology for encoding information in a graphic form, and the information therein, such as a two-dimensional code, can be decoded and acquired by scanning or photographing the graphic code.
Specifically, the mobile terminal 101 collects the graphic code of the automatic teller machine through the graphic code collection portal in the application program.
Step S203, the identification information of the automatic teller machine is obtained according to the graphic code.
Where identification information refers to information used to identify, represent, and distinguish different things or individuals, it can provide clues about identity, attributes, features, or other important information.
Specifically, the mobile terminal 101 analyzes the graphic code to obtain identification information of the automatic teller machine.
Step S204, collecting the biological characteristic information of the user, and verifying the biological characteristic information.
The biological characteristic information refers to information which is identified and distinguished based on physiological or behavioral characteristics of an individual, is unique and difficult to forge, and can be used for identity verification and individual identification, such as fingerprint, face recognition and the like.
Specifically, the mobile terminal 101 collects biometric information of the user, and verifies the biometric information.
In step S205, in the case that the biometric information verification result indicates that the user is a living body, the first authentication is performed on the user based on the identification information of the user and the transaction type of the target service.
The identification information is generally used for distinguishing and identifying different users, and can be information such as name and identification card number.
The transaction types include, but are not limited to, deposit and withdrawal transactions, transfer transactions, check transactions, and the like.
Specifically, when the biometric information verification result indicates that the user is a living body, the mobile terminal 101 performs the first authentication on the user based on the identification information of the user and the transaction type of the target service.
Step S206, under the condition that the first identity verification is passed, a login request containing user account information of a user, service identification information of a target service and identification information of an automatic teller machine is sent to a server, and the server sends the user account information and the service identification information to the automatic teller machine according to the login request; the ATM is used for carrying out second identity authentication on the user according to the user account information and the service identification information, and providing the user with the transacting service of the target service under the condition that the second identity authentication passes.
User account information refers to account related information that individuals register and use in various online platforms or services, which are used to identify and manage the identity and rights of users, as well as to provide personalized services including, but not limited to, user names, passwords, cell phone numbers, and the like.
Specifically, when the first identity verification passes, the mobile terminal 101 sends a login request including user account information of a user, service identification information of a target service, and identification information of an automatic teller machine to a server, and the server sends the user account information and the service identification information to the automatic teller machine according to the login request; the ATM is used for carrying out second identity authentication on the user according to the user account information and the service identification information, and providing the user with the transacting service of the target service under the condition that the second identity authentication passes.
In the identity authentication method based on the automatic teller machine, the user interaction interface is displayed, and the target service is determined in a plurality of service options displayed in the user interaction interface in response to a to-be-handled service selection instruction of the user; collecting the graphic code of the automatic teller machine through a graphic code collecting inlet in the user interaction interface; obtaining identification information of the automatic teller machine according to the graphic code; collecting biological characteristic information of a user, and verifying the biological characteristic information; under the condition that the biological characteristic information verification result represents that the user is a living body, carrying out first identity verification on the user based on the identity identification information of the user and the transaction type of the target service; under the condition that the first identity verification is passed, a login request containing user account information of a user, service identification information of a target service and identification information of an automatic teller machine is sent to a server, and the server sends the user account information and the service identification information to the automatic teller machine according to the login request; the ATM is used for carrying out second identity authentication on the user according to the user account information and the service identification information, and providing the user with the transacting service of the target service under the condition that the second identity authentication passes.
The beneficial effects are as follows: according to the technical scheme, physical equipment upgrading and reconstruction of a traditional automatic teller machine are not needed, target business to be transacted can be selected in a user interaction interface only by utilizing a personal smart phone of a user, and graphic codes of the automatic teller machine are collected and real-time biological characteristic information verification such as face recognition and fingerprint recognition is carried out, so that the user is prevented from carrying out low-efficiency and complicated business selection operation on the automatic teller machine, and meanwhile, quick identification and authentication of user identity information are realized; thereby the technical effects that can be achieved include: the safety of user identity authentication is improved, and the safety risk is reduced; the operation of the service selection and identity authentication mode is convenient, and the authentication speed and efficiency are improved; only the software of the ATM is required to be upgraded, so that the use experience of a user is effectively improved, and the upgrading cost of the ATM is reduced.
In one embodiment, as shown in fig. 3, in the step S203, the collecting the biometric information of the user specifically includes the following steps:
in step S301, in response to a biometric information collection entry selection instruction of the user, a target biometric information collection entry is determined among a plurality of biometric information collection entries.
Step S302, information to be detected, which is input by a user in a target biological characteristic information acquisition inlet, is acquired.
Step S303, when the information to be detected meets the information limiting condition corresponding to the target biological characteristic information acquisition inlet, the information to be detected is confirmed to be the biological characteristic information of the user.
The biological characteristic information acquisition inlet comprises, but is not limited to, a fingerprint information acquisition inlet, a face information acquisition inlet, a palm print information acquisition inlet and the like.
The information constraint conditions may be a time constraint condition, a brightness constraint condition, an angle constraint condition, and the like.
Specifically, the mobile terminal 101 determines a target biometric information acquisition portal among a plurality of biometric information acquisition portals in response to a biometric information acquisition portal selection instruction of a user; collecting information to be detected input by a user in a target biological characteristic information collecting inlet; and when the information to be detected meets the information limiting conditions corresponding to the target biological characteristic information acquisition inlet, confirming the information to be detected as the biological characteristic information of the user.
For example, the mobile terminal 101 determines, among the plurality of biometric information collection portals, that the target biometric information collection portal is a face information collection portal in response to a biometric information collection portal selection instruction of the user; collecting face information of a user; and when the acquired face information meets the corresponding information limiting conditions, confirming the face information as the biological characteristic information of the user.
In the embodiment, the target biological characteristic information acquisition inlet is determined in a plurality of biological characteristic information acquisition inlets; collecting information to be detected input by a user in a target biological characteristic information collecting inlet; when the information to be detected meets the information limiting conditions corresponding to the target biological characteristic information acquisition inlet, confirming the information to be detected as biological characteristic information of the user; therefore, a proper biological characteristic information acquisition inlet can be flexibly selected according to the actual situation of a user to input biological characteristic information, and screening is carried out through information limiting conditions, so that the accuracy and the legality of the biological characteristic information are improved.
In one embodiment, as shown in fig. 4, after verifying the biometric information, the method further includes the following steps:
in step S401, in the case that the biometric information verification result indicates that the user is a non-living body, the physiological characteristic state of the user is determined.
Step S402, based on the physiological characteristic state, generating and outputting first prompt information to prompt a user to adjust the physiological characteristic state, so as to obtain an adjusted physiological characteristic state.
Step S403, based on the adjusted physiological characteristic state, verifying the biological characteristic information of the user to obtain an updated biological characteristic information verification result.
Step S404, in the case where the updated biometric information verification result indicates that the user is a living body, the subsequent steps are continued to be performed.
Step S405, in the case where the updated biometric information verification result characterizes the user as a non-living body, generates and outputs verification failure information.
Among other physiological characteristic states include, but are not limited to, facial expression states, eye and vision states, and the like.
Specifically, the mobile terminal 101 determines the physiological characteristic state of the user in the case where the biometric information verification result characterizes the user as a non-living body; generating and outputting first prompt information based on the physiological characteristic state to prompt a user to adjust the physiological characteristic state to obtain an adjusted physiological characteristic state; re-verifying the biological characteristic information of the user based on the adjusted physiological characteristic state to obtain an updated biological characteristic information verification result; continuing to execute the subsequent steps when the updated biometric information verification result characterizes the user as a living body; and generating and outputting verification failure information under the condition that the updated biometric information verification result represents that the user is a non-living body.
In the embodiment, the adjusted physiological characteristic state is obtained by generating and outputting the first prompt information, and the biological characteristic information of the user is verified for the second time to obtain an updated biological characteristic information verification result; therefore, a re-verification function is provided for the user, and convenience and practicability of the scheme are improved.
In one embodiment, the method further comprises the following steps: under the condition that any one of the biological characteristic information, the first identity authentication and the second identity authentication fails, updating the accumulated times of authentication failure of the account of the user in a preset time window; and under the condition that the accumulated times of verification failure exceeds a time threshold, canceling the account login permission of the account in a preset time window.
The account login authority refers to operation and access authority possessed by a user when the user uses an account, and the authority is usually set and distributed by an account manager or a system manager to ensure that the user can only perform the operation required by the user and protect the security of the account and the system.
Specifically, the mobile terminal 101 updates the accumulated number of verification failures of the account of the user within the preset time window under the condition that any one of the biometric information, the first authentication and the second authentication fails; and under the condition that the accumulated times of verification failure exceeds a time threshold, canceling the account login permission of the account in a preset time window.
In the embodiment, under the condition that the accumulated times of verification failure exceeds a time threshold, canceling account login permission of an account in a preset time window; therefore, the abnormal login condition of the user can be effectively identified, and the safety of user identity authentication is improved.
In one embodiment, as shown in fig. 5, the application further provides an identity authentication method based on an automatic teller machine, which is described by taking the application of the method to the automatic teller machine 102 in fig. 1 as an example, and includes the following steps:
step S501, displaying a graphic code; the graphic code carries identification information of the automatic teller machine.
Step S502, receiving user account information and service identification information sent by a server; the user account information and the service identification information are sent by the server according to the login request of the mobile terminal; the login request comprises user account information of a user, service identification information of a target service and identification information of an automatic teller machine; the login request is sent by the mobile terminal under the condition that the first identity verification of the user is passed; the first identity verification is carried out on the user based on the identity information of the user and the transaction type of the target service option under the condition that the biological characteristic information verification result represents that the user is a living body; the target business is determined in a plurality of business options displayed in a user interaction interface; the user interaction interface is displayed by the mobile terminal; the mobile terminal obtains the identification information through the graphic code collected by the graphic code collection inlet in the user interaction interface.
Step S503, according to the user account information and the service identification information, the second authentication is performed to the user, and under the condition that the second authentication is passed, the target service handling service is provided for the user.
Specifically, automated teller machine 102 displays a graphical code; the graphic code carries identification information of the automatic teller machine. The ATM 102 receives user account information and service identification information sent by the server 103; the user account information and the service identification information are sent by the server 103 according to the login request of the mobile terminal 101; the login request includes user account information of the user, service identification information of the target service, and identification information of the automatic teller machine 102; the login request is sent by the mobile terminal 101 in case the first authentication of the user is passed; the first identity verification is carried out on the user based on the identity information of the user and the transaction type of the target service option under the condition that the biological characteristic information verification result represents that the user is a living body; the target business is determined in a plurality of business options displayed in a user interaction interface; the user interaction interface is displayed by the mobile terminal 101; the mobile terminal 101 obtains the identification information through the graphic code collected by the graphic code collection inlet in the user interaction interface. The atm 102 performs a second authentication of the user according to the user account information and the service identification information, and provides a transaction service of the target service for the user if the second authentication passes.
In the embodiment, the target service to be transacted can be selected in the user interaction interface only by utilizing the personal smart phone of the user, the graphic code of the automatic teller machine is collected and real-time biological characteristic information verification such as face recognition, fingerprint recognition and the like is carried out, so that the user is prevented from carrying out low-efficiency and complicated service selection operation on the automatic teller machine, and meanwhile, the quick identification and authentication of the user identity information are realized; thereby increasing the safety of user identity authentication and reducing the safety risk; the operation of the service selection and identity authentication mode is convenient, and the authentication speed and efficiency are improved; only the software of the ATM is required to be upgraded, so that the use experience of a user is effectively improved, and the upgrading cost of the ATM is reduced.
In one embodiment, the second authentication is performed on the user according to the user account information and the service identification information, and specifically includes the following steps: inquiring whether the user has the operation authority of the target service or not according to the user account information and the service identification information; and under the condition that the user has the operation authority of the target service, confirming that the second identity verification passes.
Wherein, the operation authority refers to the range of various functions and operations that can be used by a user in one system or application; different systems or applications may set different operating rights depending on the identity and role of the user.
Specifically, the atm 102 queries whether the user has the operation authority of the target service according to the user account information and the service identification information; and under the condition that the user has the operation authority of the target service, confirming that the second identity verification passes.
In the embodiment, whether the user has the operation authority of the target service or not is inquired according to the user account information and the service identification information; therefore, the safety and reliability of user identity authentication are further improved through verifying the operation authority of the two indexes of the user account information and the service identification information.
In one embodiment, as shown in fig. 6, the method further comprises the following steps:
step S601, when the second identity verification is passed, the operation information of the current target business transaction is recorded.
Step S602, matching target information items in the information base according to the user account information.
Step S603, inputting the operation information into the target information item in the information base.
The operation information may be related information generated when various operations are performed on the automatic teller machine, such as balance inquiry, deposit and withdrawal.
The information item generally refers to short information units which are arranged according to a certain rule in a certain book, document, database or encyclopedia, and the like, and is similar to a title or a section.
Specifically, the atm 102 records the operation information of the current target service transaction when the second authentication passes; matching target information items in the information base according to the user account information; and inputting operation information into target information items in the information base.
In this embodiment, under the condition that the second identity verification passes, the operation information of the current target service transaction is recorded, and the operation information is input into a target information item in the information base; therefore, the user account information of each user is taken as a division identifier, and the operation information table of each time of the user is orderly recorded into the information base by rules, so that the efficient storage and utilization of the operation information are facilitated.
In order to more clearly clarify the authentication method based on the automatic teller machine provided in the embodiment of the present application, a specific embodiment is described below specifically. In one embodiment, as shown in fig. 7, another identity authentication method based on an automatic teller machine is provided, which specifically includes the following steps:
step 1: and the user selects a target service to be transacted in a user interaction interface displayed by the mobile terminal, and then the mobile terminal scans the two-dimensional code of the automatic teller machine to acquire the information of the automatic teller machine.
Step 2: the user carries out living body detection through the mobile terminal, and then carries out identity verification under the condition that the living body detection passes.
Step 3: and sending a login request to the server through the mobile terminal under the condition that the identity verification is passed.
Step 4: and the server returns the personal information and the service identification information of the user to the ATM according to the login request so as to carry out secondary identity authentication on the user by the ATM.
Step 5: under the condition that the secondary identity verification passes, the ATM provides the user with the transaction service of the target service, and the user can perform related transaction operation.
The beneficial effects brought by the embodiment are as follows:
1) The safety is high: the personal mobile phone banking application program and the face recognition are used for carrying out identity authentication, so that the safety of user information is ensured.
2) The operation is convenient: identity authentication is performed through face recognition equipment on the smart phone, and the business to be transacted can be directly selected on the smart phone.
3) The cost is low: the ATM only needs software upgrade (remote upgrade can save the cost of manual maintenance).
4) Time is saved: the scheme can rapidly complete the authentication process, and saves the time of the user.
5) The application range is wide: the scheme is suitable for various self-service terminal equipment and can be applied to places such as banks, markets and the like.
It should be understood that, although the steps in the flowcharts related to the embodiments described above are sequentially shown as indicated by arrows, these steps are not necessarily sequentially performed in the order indicated by the arrows. The steps are not strictly limited to the order of execution unless explicitly recited herein, and the steps may be executed in other orders. Moreover, at least some of the steps in the flowcharts described in the above embodiments may include a plurality of steps or a plurality of stages, which are not necessarily performed at the same time, but may be performed at different times, and the order of the steps or stages is not necessarily performed sequentially, but may be performed alternately or alternately with at least some of the other steps or stages.
Based on the same inventive concept, the embodiment of the application also provides an identity authentication device based on the automatic teller machine, which is used for realizing the identity authentication method based on the automatic teller machine. The implementation of the solution provided by the device is similar to the implementation described in the above method, so the specific limitation in the embodiment of the identity authentication device based on an automatic teller machine provided below may be referred to the limitation of the identity authentication method based on an automatic teller machine hereinabove, and will not be repeated here.
In one embodiment, as shown in fig. 8, there is provided an identity authentication device based on an automatic teller machine, which is applied to a mobile terminal, and includes:
the service determining module 801 is configured to display a user interaction interface, and determine a target service from a plurality of service options displayed in the user interaction interface in response to a to-be-handled service selection instruction of a user; the graphic code acquisition module is used for acquiring the graphic code of the automatic teller machine through a graphic code acquisition inlet in the user interaction interface;
a graphic code identification module 802, configured to obtain identification information of the automatic teller machine according to the graphic code;
the information verification module 803 is configured to collect biometric information of a user, and verify the biometric information;
a first verification module 804, configured to perform a first identity verification on the user based on the identity information of the user and the transaction type of the target service when the biometric information verification result indicates that the user is a living body;
a request sending module 805, configured to send a login request including user account information of a user, service identification information of a target service, and identification information of an automatic teller machine to a server, where the first identity verification is passed, and the server sends the user account information and the service identification information to the automatic teller machine according to the login request; the ATM is used for carrying out second identity authentication on the user according to the user account information and the service identification information, and providing the user with the transacting service of the target service under the condition that the second identity authentication passes.
In one embodiment, the information verification module 803 is further configured to determine a target biometric information acquisition portal from the plurality of biometric information acquisition portals in response to a biometric information acquisition portal selection instruction of the user; collecting information to be detected input by a user in a target biological characteristic information collecting inlet; and when the information to be detected meets the information limiting conditions corresponding to the target biological characteristic information acquisition inlet, confirming the information to be detected as the biological characteristic information of the user.
In one embodiment, the identity authentication device based on the automatic teller machine further comprises a re-verification module, which is used for determining the physiological characteristic state of the user when the biological characteristic information verification result represents that the user is non-living; generating and outputting first prompt information based on the physiological characteristic state to prompt a user to adjust the physiological characteristic state to obtain an adjusted physiological characteristic state; verifying the biological characteristic information of the user based on the adjusted physiological characteristic state to obtain an updated biological characteristic information verification result; continuing to execute the subsequent steps when the updated biometric information verification result characterizes the user as a living body; and generating and outputting verification failure information under the condition that the updated biometric information verification result represents that the user is a non-living body.
In one embodiment, the authentication device based on the automatic teller machine further comprises a right management module, which is used for updating the accumulated times of verification failure of the account of the user in a preset time window under the condition that any one of the biometric information, the first authentication and the second authentication fails; and under the condition that the accumulated times of verification failure exceeds a time threshold, canceling the account login permission of the account in a preset time window.
In one embodiment, as shown in fig. 9, there is further provided an identity authentication device based on an automatic teller machine, which is applied to the automatic teller machine, and includes:
the graphic code display module 901 is used for displaying graphic codes; the graphic code carries identification information of the automatic teller machine;
an information receiving module 902, configured to receive user account information and service identification information sent by a server; the user account information and the service identification information are sent by the server according to the login request of the mobile terminal; the login request comprises user account information of a user, service identification information of a target service and identification information of an automatic teller machine; the login request is sent by the mobile terminal under the condition that the first identity verification of the user is passed; the first identity verification is carried out on the user based on the identity information of the user and the transaction type of the target service option under the condition that the biological characteristic information verification result represents that the user is a living body; the target business is determined in a plurality of business options displayed in a user interaction interface; the user interaction interface is displayed by the mobile terminal; the mobile terminal acquires the identification information through the graphic code acquired by the graphic code acquisition inlet in the user interaction interface;
The second verification module 903 is configured to perform a second authentication on the user according to the user account information and the service identification information, and provide a target service for the user when the second authentication passes.
In one embodiment, the second verification module 903 is further configured to query whether the user has the operation authority of the target service according to the user account information and the service identification information; and under the condition that the user has the operation authority of the target service, confirming that the second identity verification passes.
In one embodiment, the identity authentication device based on the automatic teller machine further comprises an information recording module, which is used for recording the operation information of the target business transaction when the second identity verification is passed; matching target information items in the information base according to the user account information; and inputting operation information into target information items in the information base.
The modules in the identity authentication device based on the automatic teller machine can be all or partially realized by software, hardware and a combination thereof. The above modules may be embedded in hardware or may be independent of a processor in the computer device, or may be stored in software in a memory in the computer device, so that the processor may call and execute operations corresponding to the above modules.
In one embodiment, a computer device is provided, which may be a mobile terminal or an automatic teller machine, and the internal structure of the computer device may be as shown in fig. 10. The computer device includes a processor, a memory, an input/output interface, a communication interface, a display unit, and an input means. The processor, the memory and the input/output interface are connected through a system bus, and the communication interface, the display unit and the input device are connected to the system bus through the input/output interface. Wherein the processor of the computer device is configured to provide computing and control capabilities. The memory of the computer device includes a non-volatile storage medium and an internal memory. The non-volatile storage medium stores an operating system and a computer program. The internal memory provides an environment for the operation of the operating system and computer programs in the non-volatile storage media. The input/output interface of the computer device is used to exchange information between the processor and the external device. The communication interface of the computer device is used for carrying out wired or wireless communication with an external terminal, and the wireless mode can be realized through WIFI, a mobile cellular network, NFC (near field communication) or other technologies. The computer program, when executed by the processor, implements an automated teller machine-based identity authentication method. The display unit of the computer device is used for forming a visual picture, and can be a display screen, a projection device or a virtual reality imaging device. The display screen can be a liquid crystal display screen or an electronic ink display screen, and the input device of the computer equipment can be a touch layer covered on the display screen, can also be a key, a track ball or a touch pad arranged on the shell of the computer equipment, and can also be an external keyboard, a touch pad or a mouse and the like.
It will be appreciated by those skilled in the art that the structure shown in fig. 10 is merely a block diagram of some of the structures associated with the present application and is not limiting of the computer device to which the present application may be applied, and that a particular computer device may include more or fewer components than shown, or may combine certain components, or have a different arrangement of components.
In an embodiment, there is also provided a computer device comprising a memory and a processor, the memory having stored therein a computer program, the processor implementing the steps of the method embodiments described above when the computer program is executed.
In one embodiment, a computer-readable storage medium is provided, on which a computer program is stored which, when executed by a processor, carries out the steps of the method embodiments described above.
In an embodiment, a computer program product is provided, comprising a computer program which, when executed by a processor, implements the steps of the method embodiments described above.
Those skilled in the art will appreciate that implementing all or part of the above described methods may be accomplished by way of a computer program stored on a non-transitory computer readable storage medium, which when executed, may comprise the steps of the embodiments of the methods described above. Any reference to memory, database, or other medium used in the various embodiments provided herein may include at least one of non-volatile and volatile memory. The nonvolatile Memory may include Read-Only Memory (ROM), magnetic tape, floppy disk, flash Memory, optical Memory, high density embedded nonvolatile Memory, resistive random access Memory (ReRAM), magnetic random access Memory (Magnetoresistive Random Access Memory, MRAM), ferroelectric Memory (Ferroelectric Random Access Memory, FRAM), phase change Memory (Phase Change Memory, PCM), graphene Memory, and the like. Volatile memory can include random access memory (Random Access Memory, RAM) or external cache memory, and the like. By way of illustration, and not limitation, RAM can be in the form of a variety of forms, such as static random access memory (Static Random Access Memory, SRAM) or dynamic random access memory (Dynamic Random Access Memory, DRAM), and the like. The databases referred to in the various embodiments provided herein may include at least one of relational databases and non-relational databases. The non-relational database may include, but is not limited to, a blockchain-based distributed database, and the like. The processors referred to in the embodiments provided herein may be general purpose processors, central processing units, graphics processors, digital signal processors, programmable logic units, quantum computing-based data processing logic units, etc., without being limited thereto.
The technical features of the above embodiments may be arbitrarily combined, and all possible combinations of the technical features in the above embodiments are not described for brevity of description, however, as long as there is no contradiction between the combinations of the technical features, they should be considered as the scope of the description.
The above examples only represent a few embodiments of the present application, which are described in more detail and are not to be construed as limiting the scope of the present application. It should be noted that it would be apparent to those skilled in the art that various modifications and improvements could be made without departing from the spirit of the present application, which would be within the scope of the present application. Accordingly, the scope of protection of the present application shall be subject to the appended claims.

Claims (17)

1. An identity authentication method based on an automatic teller machine, which is characterized in that the method is applied to a mobile terminal, and comprises the following steps:
displaying a user interaction interface, and determining a target service in a plurality of service options displayed in the user interaction interface in response to a to-be-handled service selection instruction of a user;
collecting the graphic code of the automatic teller machine through a graphic code collecting inlet in the user interaction interface;
Obtaining identification information of the automatic teller machine according to the graphic code;
collecting biological characteristic information of the user, and verifying the biological characteristic information;
under the condition that the biological characteristic information verification result represents that the user is a living body, carrying out first identity verification on the user based on the identity identification information of the user and the transaction type of the target service;
when the first identity verification is passed, a login request containing user account information of the user, service identification information of the target service and identification information of the automatic teller machine is sent to a server, and the server sends the user account information and the service identification information to the automatic teller machine according to the login request; the ATM is used for carrying out second identity verification on the user according to the user account information and the service identification information, and providing the user with the service of handling the target service under the condition that the second identity verification is passed.
2. The method of claim 1, wherein the collecting biometric information of the user comprises:
Determining a target biological characteristic information acquisition inlet in a plurality of biological characteristic information acquisition inlets in response to a biological characteristic information acquisition inlet selection instruction of the user;
collecting information to be detected input by the user in the target biological characteristic information collecting inlet;
and when the information to be detected meets the information limiting condition corresponding to the target biological characteristic information acquisition inlet, confirming the information to be detected as the biological characteristic information of the user.
3. The method of claim 1, further comprising, after verifying the biometric information:
determining a physiological characteristic state of the user under the condition that the biological characteristic information verification result represents that the user is non-living;
generating and outputting first prompt information based on the physiological characteristic state to prompt the user to adjust the physiological characteristic state to obtain an adjusted physiological characteristic state;
verifying the biological characteristic information of the user based on the adjusted physiological characteristic state to obtain an updated biological characteristic information verification result;
continuing to execute subsequent steps when the updated biometric information verification result characterizes the user as a living body;
And generating and outputting verification failure information under the condition that the updated biological characteristic information verification result represents that the user is non-living body.
4. A method according to any one of claims 1 to 3, further comprising:
updating the accumulated times of verification failure of the account of the user in a preset time window under the condition that any one of the biometric information, the first identity verification and the second identity verification fails;
and under the condition that the accumulated times of verification failure exceeds a time threshold, canceling the account login permission of the account in the preset time window.
5. An identity authentication method based on an automatic teller machine, which is characterized in that the method is applied to the automatic teller machine and comprises the following steps:
displaying the graphic code; the graphic code carries identification information of an automatic teller machine;
receiving user account information and service identification information sent by a server; the user account information and the service identification information are sent by the server according to a login request of the mobile terminal; the login request comprises user account information of a user, service identification information of a target service and identification information of the automatic teller machine; the login request is sent by the mobile terminal under the condition that the first identity verification of the user is passed; the first identity verification is performed on the user based on the identity information of the user and the transaction type of the target service option under the condition that the biological characteristic information verification result represents that the user is a living body; the target service is determined in a plurality of service options displayed in a user interaction interface; the user interaction interface is displayed by the mobile terminal; the mobile terminal obtains the identification information through the graphic code collected by the graphic code collection inlet in the user interaction interface;
And carrying out second identity authentication on the user according to the user account information and the service identification information, and providing the user with the service of handling the target service under the condition that the second identity authentication is passed.
6. The method of claim 5, wherein said performing a second authentication of said user based on said user account information and service identification information comprises:
inquiring whether the user has the operation authority of the target service or not according to the user account information and the service identification information;
and under the condition that the user has the operation authority of the target service, confirming that the second identity verification passes.
7. The method of claim 6, wherein the method further comprises:
recording operation information of the target business transaction under the condition that the second identity verification passes;
matching target information items in an information base according to the user account information;
and inputting the operation information into a target information item in the information base.
8. An identity authentication device based on an automatic teller machine, which is applied to a mobile terminal, the device comprising:
The service determining module is used for displaying a user interaction interface and responding to a to-be-handled service selection instruction of a user to determine a target service in a plurality of service options displayed in the user interaction interface; the graphic code acquisition module is used for acquiring the graphic code of the automatic teller machine through a graphic code acquisition inlet in the user interaction interface;
the graphic code identification module is used for obtaining the identification information of the automatic teller machine according to the graphic code;
the information verification module is used for collecting the biological characteristic information of the user and verifying the biological characteristic information;
the first verification module is used for carrying out first identity verification on the user based on the identity information of the user and the transaction type of the target service under the condition that the biological characteristic information verification result represents that the user is a living body;
a request sending module, configured to send a login request including user account information of the user, service identification information of the target service, and identification information of the automatic teller machine to a server, where the first identity verification is passed, and the server sends the user account information and the service identification information to the automatic teller machine according to the login request; the ATM is used for carrying out second identity verification on the user according to the user account information and the service identification information, and providing the user with the service of handling the target service under the condition that the second identity verification is passed.
9. The apparatus of claim 8, wherein the information verification module is further configured to determine a target biometric information acquisition portal from a plurality of biometric information acquisition portals in response to the biometric information acquisition portal selection instruction of the user; collecting information to be detected input by the user in the target biological characteristic information collecting inlet; and when the information to be detected meets the information limiting condition corresponding to the target biological characteristic information acquisition inlet, confirming the information to be detected as the biological characteristic information of the user.
10. The apparatus of claim 8, further comprising a re-authentication module for determining a physiological characteristic state of the user if the biometric information authentication result characterizes the user as non-living; generating and outputting first prompt information based on the physiological characteristic state to prompt the user to adjust the physiological characteristic state to obtain an adjusted physiological characteristic state; verifying the biological characteristic information of the user based on the adjusted physiological characteristic state to obtain an updated biological characteristic information verification result; continuing to execute subsequent steps when the updated biometric information verification result characterizes the user as a living body; and generating and outputting verification failure information under the condition that the updated biological characteristic information verification result represents that the user is non-living body.
11. The apparatus according to any one of claims 8 to 10, further comprising a rights management module for updating a cumulative number of authentication failures of the user's account within a preset time window in case any one of the biometric information, the first authentication and the second authentication fails; and under the condition that the accumulated times of verification failure exceeds a time threshold, canceling the account login permission of the account in the preset time window.
12. An identity authentication device based on an automatic teller machine, which is applied to the automatic teller machine, and comprises:
the graphic code display module is used for displaying graphic codes; the graphic code carries identification information of an automatic teller machine;
the information receiving module is used for receiving user account information and service identification information sent by the server; the user account information and the service identification information are sent by the server according to a login request of the mobile terminal; the login request comprises user account information of a user, service identification information of a target service and identification information of the automatic teller machine; the login request is sent by the mobile terminal under the condition that the first identity verification of the user is passed; the first identity verification is performed on the user based on the identity information of the user and the transaction type of the target service option under the condition that the biological characteristic information verification result represents that the user is a living body; the target service is determined in a plurality of service options displayed in a user interaction interface; the user interaction interface is displayed by the mobile terminal; the mobile terminal obtains the identification information through the graphic code collected by the graphic code collection inlet in the user interaction interface;
And the second verification module is used for carrying out second identity verification on the user according to the user account information and the service identification information, and providing the user with the service of handling the target service under the condition that the second identity verification passes.
13. The apparatus of claim 12, wherein the second verification module is further configured to query whether the user has the operation authority of the target service according to the user account information and service identification information; and under the condition that the user has the operation authority of the target service, confirming that the second identity verification passes.
14. The apparatus of claim 13, further comprising an information recording module configured to record operation information of the current target business transaction if the second authentication passes; matching target information items in an information base according to the user account information; and inputting the operation information into a target information item in the information base.
15. A computer device comprising a memory and a processor, the memory storing a computer program, characterized in that the processor implements the steps of the method of any one of claims 1 to 4 or of claims 5 to 7 when the computer program is executed.
16. A computer-readable storage medium, on which a computer program is stored, characterized in that the computer program, when being executed by a processor, implements the steps of the method of any one of claims 1 to 4 or of claims 5 to 7.
17. A computer program product comprising a computer program, characterized in that the computer program, when being executed by a processor, implements the steps of the method of any one of claims 1 to 4 or of claims 5 to 7.
CN202311551837.0A 2023-11-21 2023-11-21 Identity authentication method, device, equipment and storage medium based on automatic teller machine Pending CN117275138A (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
CN202311551837.0A CN117275138A (en) 2023-11-21 2023-11-21 Identity authentication method, device, equipment and storage medium based on automatic teller machine

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
CN202311551837.0A CN117275138A (en) 2023-11-21 2023-11-21 Identity authentication method, device, equipment and storage medium based on automatic teller machine

Publications (1)

Publication Number Publication Date
CN117275138A true CN117275138A (en) 2023-12-22

Family

ID=89218057

Family Applications (1)

Application Number Title Priority Date Filing Date
CN202311551837.0A Pending CN117275138A (en) 2023-11-21 2023-11-21 Identity authentication method, device, equipment and storage medium based on automatic teller machine

Country Status (1)

Country Link
CN (1) CN117275138A (en)

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN117576826A (en) * 2024-01-17 2024-02-20 杭银消费金融股份有限公司 Financial self-service terminal and credit giving processing method based on same

Citations (9)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN103150837A (en) * 2013-02-01 2013-06-12 深圳市怡化电脑有限公司 System and method for achieving cardless withdrawal on automatic teller machine (ATM)
CN104821050A (en) * 2015-04-30 2015-08-05 交通银行股份有限公司 Method and system for manipulating automatic teller machine
CN108090405A (en) * 2016-11-23 2018-05-29 腾讯科技（深圳）有限公司 A kind of face identification method and terminal
CN109448271A (en) * 2018-09-03 2019-03-08 深圳壹账通智能科技有限公司 A kind of no card withdrawal method, computer readable storage medium and server
CN109711133A (en) * 2018-12-26 2019-05-03 广州市巽腾信息科技有限公司 Authentication method, device and the server of identity information
CN113096327A (en) * 2021-03-29 2021-07-09 中信银行股份有限公司 Card-free transaction method, card-free transaction device, terminal device, automatic teller machine and medium
CN113177480A (en) * 2021-04-29 2021-07-27 上海商汤智能科技有限公司 Financial business processing method, device, equipment and medium based on face recognition
CN115203666A (en) * 2021-04-08 2022-10-18 腾讯科技（深圳）有限公司 Identity authentication method and device, storage medium and electronic equipment
CN116962021A (en) * 2023-06-28 2023-10-27 中国建设银行股份有限公司 Method, device, equipment and medium for user real name authentication in financial cooperative institution

Patent Citations (10)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN103150837A (en) * 2013-02-01 2013-06-12 深圳市怡化电脑有限公司 System and method for achieving cardless withdrawal on automatic teller machine (ATM)
CN104821050A (en) * 2015-04-30 2015-08-05 交通银行股份有限公司 Method and system for manipulating automatic teller machine
CN108090405A (en) * 2016-11-23 2018-05-29 腾讯科技（深圳）有限公司 A kind of face identification method and terminal
CN109448271A (en) * 2018-09-03 2019-03-08 深圳壹账通智能科技有限公司 A kind of no card withdrawal method, computer readable storage medium and server
CN109711133A (en) * 2018-12-26 2019-05-03 广州市巽腾信息科技有限公司 Authentication method, device and the server of identity information
CN113424182A (en) * 2018-12-26 2021-09-21 巽腾(广东)科技有限公司 Identity information authentication method and device and server
CN113096327A (en) * 2021-03-29 2021-07-09 中信银行股份有限公司 Card-free transaction method, card-free transaction device, terminal device, automatic teller machine and medium
CN115203666A (en) * 2021-04-08 2022-10-18 腾讯科技（深圳）有限公司 Identity authentication method and device, storage medium and electronic equipment
CN113177480A (en) * 2021-04-29 2021-07-27 上海商汤智能科技有限公司 Financial business processing method, device, equipment and medium based on face recognition
CN116962021A (en) * 2023-06-28 2023-10-27 中国建设银行股份有限公司 Method, device, equipment and medium for user real name authentication in financial cooperative institution

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN117576826A (en) * 2024-01-17 2024-02-20 杭银消费金融股份有限公司 Financial self-service terminal and credit giving processing method based on same
CN117576826B (en) * 2024-01-17 2024-04-09 杭银消费金融股份有限公司 Financial self-service terminal and credit giving processing method based on same

Similar Documents

Publication Publication Date Title
US10749681B2 (en) Systems and methods for providing a universal decentralized solution for verification of users with cross-verification features
CN112651841B (en) Online business handling method, online business handling device, server and computer readable storage medium
CN107609508A (en) A kind of face identification method, terminal and computer-readable recording medium
CN117275138A (en) Identity authentication method, device, equipment and storage medium based on automatic teller machine
KR101763275B1 (en) The method for customer certification using credit bereau information, the system thereof, and computer-readable recording medium for recording program executing the same method
WO2019209291A1 (en) Systems and methods for providing a universal decentralized solution for verification of users with cross-verification features
CN116962021A (en) Method, device, equipment and medium for user real name authentication in financial cooperative institution
CN114444047A (en) Identity authentication method, device, equipment and storage medium based on virtual reality
US20130328664A1 (en) System and method for identity verification in a detention environment
CN112633271A (en) Financial transaction system authentication method based on OCR recognition
CN112785410A (en) Relying party risk adjustment indicator systems and methods
US20220207518A1 (en) Card registration system, card registration method, and information storage medium
US11531739B1 (en) Authenticating user identity based on data stored in different locations
CN117037295A (en) Identity authentication method, identity authentication device, computer equipment and storage medium
CN117495519A (en) Financial document processing method, apparatus, computer device and storage medium
CN113139167B (en) Resident identification card receiving method and system for self-service card receiving machine and storage medium
JP2019117480A (en) Information processing device and authentication system
EP4227830A1 (en) Authentication system, authentication method, and program
CN116957826A (en) Method and device for processing reimbursement data based on meta universe and computer equipment
CN117437002A (en) Service carding method, device, computer equipment and storage medium
CN117113316A (en) Identity recognition method, identity recognition device, computer equipment and storage medium
CN117218776A (en) Interaction method and device based on bank self-service machine, bank self-service machine and medium
CN117593105A (en) Loan overdue processing method, device, computer equipment and storage medium
CN117493352A (en) Data updating method, device, computer equipment and storage medium
CN117456593A (en) Image processing method, device, computer equipment and storage medium

Legal Events

Date Code Title Description
PB01 Publication
PB01 Publication
SE01 Entry into force of request for substantive examination
SE01 Entry into force of request for substantive examination