CN102324044A - Card information acquisition method and system - Google Patents
Card information acquisition method and system Download PDFInfo
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- CN102324044A CN102324044A CN201110268181A CN201110268181A CN102324044A CN 102324044 A CN102324044 A CN 102324044A CN 201110268181 A CN201110268181 A CN 201110268181A CN 201110268181 A CN201110268181 A CN 201110268181A CN 102324044 A CN102324044 A CN 102324044A
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Abstract
The invention provides a card information acquisition method and a system. The card information acquisition method comprises the steps of: taking an image of a card; obtaining the taken image, extracting image features and matching the image features with the image features of the registered image of the card; and after the success of image matching is confirmed, obtaining pre-stored account information corresponding to the card and returning the account information. Compared with the prior art, since an image matching technique is mainly used for judging whether the card with the image being taken is matched with one certain pre-stored card or not and the account information of the pre-stored card is read and obtained after matching confirmation, the operation is simple, convenient and rapid and the recognition accuracy is higher.
Description
Technical field
The present invention relates to the technology for information acquisition field, particularly a kind of application image matching technique realizes the acquisition methods and the system of card image.
Background technology
The various bank cards (Bank Card) that comprise credit card (credit card), deposit card (debit card) are by issued by banks, supply the client to handle the general name of the new services instrument of financial transaction.Along with the utilization in financial transaction system of the develop rapidly of science and technology, particularly robot calculator and network technology, the usable range of bank card is constantly enlarged.Not only reduced the circulation of cash and check, and made banking or commodity transaction owing to the essence variation has taken place in the restriction that has broken through time and space.For example, People more and more many with bank card in enterprising accommodating financial transaction efficiently of the POS of ATM, the Internet bank and trade company machine and commodity transaction.
But, be that financial transaction (for example enchashment, inquiry accounts information etc.) and commodity transaction (bankcard consumption) all need be printed on the server that Word message on the bank card offers bank with card number etc.Provide Word messages such as comprising card number that three kinds of modes are arranged: mode one, manual input, but obviously, card number information is generally long, this has obviously brought inconvenience (import loaded down with trivial details and be prone to make mistakes) to the user; Mode two reads with card-reading apparatus on the similar ATM or POS machine, and owing to hardware constraints and cost reason, this equipment is not available everywhere, and can not portablely use; Mode three utilizes the camera that generally carries on the mobile devices such as mobile phone, PDA to take bank card earlier, utilize the OCR in the configured application program to identify the Word message that comprises card number again, still; Use OCR identification literal; The accuracy rate of its identification receives influence of various factors such as camera quality, ambient light, photographer's technical ability on the one hand, and the literal in the bank card is imprinted on through regular meeting on the background of complex pattern on the other hand, and this also influences the accuracy rate of literal identification; In a word; The recognition accuracy of the literal on the captured bank card of OCR identification is limited, like this, and follow-up; Just must require the result of identification is carried out hand inspection and rectification, be pretty troublesome equally.
Summary of the invention
The object of the present invention is to provide a kind of card image acquisition methods and system, be used for solving the prior art card image and obtain inconvenience, the limited problem of recognition accuracy.
The present invention provides a kind of card image acquisition methods on the one hand, comprising: the image of taking card; The said image of taking extracts characteristics of image wherein, and the characteristics of image of the image of the card of said characteristics of image and registered in advance is carried out images match; After confirming the images match success, obtain the accounts information corresponding that prestores, and return said accounts information with said card.
Alternatively, said card image acquisition methods also comprises the step of card registration, comprising: the image of taking card; Obtain the said image of shooting, extract wherein characteristics of image and input and said card account associated information; Store said characteristics of image and said accounts information.
Alternatively, said characteristics of image comprises the unique point and each unique point characteristic of correspondence vector in the image.
Alternatively, said accounts information comprises one or more in the kind, cardholder information, valid period, identifying code, Service Phone, network address of card number, card sending mechanism, card, the password for inquiry corresponding with said card, the trading password.
Alternatively; The characteristics of image of the image of the card of said characteristics of image and registered in advance is carried out images match to be comprised: extract characteristics of image; Carry out images match with the characteristic of the image of the card of registered in advance; From the image of the card of registered in advance, obtain the highest image of image similarity degree with the card of input, and the metric of corresponding both similarity degree of expression; The metric and a preset metric of said similarity degree are compared, and more than or equal to preset said metric T0, then the image of the card of the image of definite card of taking and registered in advance is complementary as if said metric.
Alternatively, said metric is the real number more than or equal to zero, and the similarity degree is high more, and then the value of said metric is just big more.
The present invention provides a kind of card image to obtain system on the other hand, comprising: data bank is used to store characteristics of image and the accounts information corresponding with said card of image of the card of registered in advance; The image capturing unit is used to take the image of card; The image characteristics extraction unit is used to extract the characteristics of image by the image of the card of said image capturing unit photographs; The images match unit, the characteristics of image of the image of the characteristics of image of the image of the card that is used for said image characteristics extraction unit is extracted and the card of the registered in advance that said data bank is stored carries out images match; Information acquisition unit after the images match success is confirmed in said images match unit, is obtained the accounts information corresponding with said card that prestores, and is returned said accounts information.
Alternatively, said characteristics of image comprises the unique point and each unique point characteristic of correspondence vector in the image.
Alternatively, said accounts information comprises one or more in the kind, cardholder information, valid period, identifying code, Service Phone, network address of card number, card sending mechanism, card, the password for inquiry corresponding with said card, the trading password.
Alternatively; The characteristics of image of the image of the said card that is used for said image characteristics extraction unit is extracted carries out images match with the characteristics of image of the image of the card of the registered in advance that said data bank is stored and comprises: from the image of the card of registered in advance, obtain the highest image of image similarity degree with the card of input, and the metric of both similarity degree of expression of correspondence; The metric and a preset metric of said similarity degree are compared, and more than or equal to preset said metric T0, then the image of the card of the image of definite card of taking and registered in advance is complementary as if said metric.
Alternatively, said metric is the real number more than or equal to zero, and the similarity degree is high more, and then the value of said metric is just big more.
The present invention provides a kind of acquisition methods and system of card image; Mainly be to utilize image matching technology to judge captured card whether to be complementary with the wherein card that prestores; After confirming coupling, read the accounts information that obtains that card that prestores, exempted needing when using card each time, all need import the loaded down with trivial details of related account information; And have facility obtained and the high advantage of recognition accuracy than prior art, better experience and service are provided for people use card.
Description of drawings
Fig. 1 has shown the schematic flow sheet of card image acquisition methods of the present invention;
Fig. 2 has shown the more detailed schematic flow sheet of step S103 among Fig. 1;
Fig. 3 has shown the schematic flow sheet of card registration among Fig. 1:
Fig. 4 has shown that card image of the present invention obtains the structured flowchart of system.
Embodiment
Inventor of the present invention finds: in existing card image input operation, exist input loaded down with trivial details and be prone to make mistakes, or utilize problems such as the optical recognition recognition accuracy is limited.
Therefore; Inventor of the present invention improves prior art; Acquisition methods and system that a kind of application image matching technique realizes card image have been proposed; Mainly be to utilize image matching technology to judge captured card whether to be complementary, after confirming coupling, read the accounts information that obtains that card that prestores with the wherein card that prestores.Compared to prior art, simple and fast, and the identification accuracy is higher.
The present invention provides a kind of card image acquisition methods on the one hand, comprising:
Take the image of card;
The said image of taking extracts characteristics of image wherein, and the characteristics of image of the image of the card of said characteristics of image and registered in advance is carried out images match;
After confirming the images match success, obtain the accounts information corresponding that prestores, and return said accounts information with said card.
Below will come invention is elaborated through specific embodiment.
Fig. 1 has shown the schematic flow sheet of card image acquisition methods of the present invention.
As shown in Figure 1, said card image acquisition methods comprises:
Step S101, the image of shooting card;
Step S103, the said image of taking extracts characteristics of image wherein, and the characteristics of image of the image of the card of said characteristics of image and registered in advance is carried out images match;
Step S105 judges that whether images match is successful, if confirm to mate successfully, then proceeds to step S109; Otherwise,, then finish to be somebody's turn to do operation if coupling is unsuccessful;
Step S107 obtains the accounts information corresponding with said card that prestores, and returns said accounts information.
Below above-mentioned each step is elaborated.In the following description; Said card is that example describes with bank card (comprising debit card, credit card); But not as limit, in other embodiments, said card also can be stored value card, prepaid card of each businessman, unit or other authority releases etc.
Step S101, the image of shooting bank card.
In this step S101, said image is to utilize the portable electric appts that disposes the image capturing unit to take.For the said image that shooting is obtained has the better recognition rate; Outside the Hardware configuration of getting rid of the image capturing unit, user's factors such as shooting technical ability; Preferably, require the image capturing unit to be right against said bank card, and make said bank card integral body be arranged in the image of shooting.In addition, for bank card positive, that the back side all has Word message or pictorial information, direct picture and the back side image that then can take said bank card simultaneously.In practical application, said portable electric appts can be for example mobile phone, PDA, audio-visual amusement equipment or panel computer etc.
In addition; The size of the image of said bank card and content thereof are hard-core, and for example: the resolution sizes of image can be any one in the other types of 320*240 pixel (QVGA), 640*480 pixel (VGA), 800*600 pixel (SVGA), 1024*768 pixel (XGA), 1400*1050 pixel (SXGA+), 1600*1200 pixel (UVGA) or compliant.
Step S103, the said image of taking extracts characteristics of image wherein, and the characteristics of image of the image of the bank card of said characteristics of image and registered in advance is carried out images match.In one embodiment, said images match is meant specifically whether the image of judging the bank card of taking matees consistent with the image of the bank card of registered in advance in terms of content.
As shown in Figure 2; Above-mentioned steps S103 more can comprise the steps: step S103A; Extract characteristics of image; Carry out images match with the characteristic of the image of the bank card of registered in advance, from the image of the bank card of registered in advance, obtain the highest image of image similarity degree with the bank card of input, and the metric of corresponding both similarity degree of expression; Step S103B, the metric that the metric and of said similarity degree is preset compares, and more than or equal to preset said metric T0, then the image of the bank card of the image of definite bank card of taking and registered in advance is complementary as if said metric.Alternatively, said characteristics of image comprises the unique point and each unique point characteristic of correspondence vector in the image.Said metric is the real number more than or equal to zero, and the similarity degree is high more, and then the value of said metric is just big more.
The prior art that above-mentioned image matching technology has been well known to those skilled in the art proves exploitativeness of the present invention in this a kind of way of only describing wherein, but is not to be used to limit protection scope of the present invention.For above-mentioned steps; According to document " SURF:Speed-up Robust Features " (Herbert Bay; Andreas Ess, Tinne Tuytelaars, Luc Van Gool; Computer Vision and Image Understanding 110 (2008) 346-359) method of describing in is extracted the unique point of the image of the bank card of taking at first respectively, and each unique point characteristic of correspondence vector; Then, compare all unique points in the image of the bank card of all unique points in the image of the bank card of taking and registered in advance one by one, note the consistent right quantity of unique point of coupling; Two Feature Points Matching are consistent be meant respectively and these two unique point characteristic of correspondence vectors between distance less than a predefined value D1; Afterwards, the right quantity of the unique point that coupling is consistent is greater than a predefined value N1, then thinks two authentication image coupling unanimities, think in other words two authentication image captured be same bank card; Otherwise the right quantity of unique point that coupling is consistent is not more than a predefined value N1, then think two authentication image mate inconsistent, think in other words two authentication image captured be not same bank card.
In addition, in the foregoing description, before carrying out images match, through registered in advance the prestored image and the accounts information corresponding of a plurality of bank cards, therefore, in the present invention, also comprised the step of bank card registration with bank card.As shown in Figure 3, each step of opening the bank card registration comprises:
Step S201, the image of shooting bank card.Step S201 is identical with aforesaid step S101, just repeats no more at this.
Step S203, the said image that acquisition is taken extracts wherein characteristics of image and input and said bank card account associated information.Here, said characteristics of image comprises the unique point and each unique point characteristic of correspondence vector in the image.Said accounts information can comprise the kind, cardholder information, valid period, identifying code, Service Phone, network address of card number, issuing bank, bank card, the password for inquiry corresponding with said bank card, trading password etc.
Step S205 stores said characteristics of image and said accounts information.
Through step as shown in Figure 3, can accomplish the registration of bank card, with the image and the characteristics of image thereof of bank card, and the accounts information corresponding with bank card stored.When many bank cards, can repeat above-mentioned steps and repeatedly can accomplish.
Step S105 judges that whether images match is successful, if confirm to mate successfully, then proceeds to step S109; Otherwise if coupling is unsuccessful, then finishing should operation.
Step S107 obtains the accounts information corresponding with said bank card that prestores, and returns said accounts information.Said accounts information can comprise the kind, cardholder information, valid period, identifying code, Service Phone, network address of card number, issuing bank, bank card, the password for inquiry corresponding with said bank card, trading password etc.Utilize these accounts informations, the user can directly carry out financial service (for example inquiry into balance, transfer of financial resources, enchashment etc.) or commodity transaction (for example bankcard consumption, E-consumer etc.).
Fig. 4 has shown that a kind of card image that the present invention provides in addition obtains the structured flowchart of system.As shown in Figure 4, said card image is obtained system and is comprised: data bank 200, image capturing unit 202, image characteristics extraction unit 204, images match unit 206 and information acquisition unit 208.Especially, in the following description, said card is that example describes with bank card (comprising debit card, credit card) still.
Image capturing unit 202 is used to take the image of bank card.
Image characteristics extraction unit 204 is used to extract the characteristics of image of the image of the bank card of being taken by image capturing unit 202.
The characteristics of image of the image of the bank card of the registered in advance that images match unit 206, the characteristics of image of the image of the bank card that is used for image characteristics extraction unit 204 is extracted and data bank 200 are stored carries out images match.In the present embodiment, said images match unit 206 specifically comprises: from the image of the bank card of registered in advance, obtain the highest image of image similarity degree with the bank card of input, and the metric of corresponding both similarity degree of expression; The metric and a preset metric of said similarity degree are compared, and more than or equal to preset said metric T0, then the image of the bank card of the image of definite bank card of taking and registered in advance is complementary as if said metric.Wherein, said metric is the real number more than or equal to zero, and the similarity degree is high more, and then the value of said metric is just big more.
What need special instruction is in other a kind of implementation of the present invention, can also on image matching technology, combine existing OCR to realize again.Utilize OCR to the bank card taken image discern; The result of literal identification can do the purposes of two aspects: one of purposes; If can be directly confirm bank card according to the result of literal identification, the technology of then can combining image mating is done further checking to the image of determined bank card.So-called can be directly confirm according to the result of literal identification that bank card is meant and in the bank card of preservation in advance, to find a unique bank card; Literal on the card of its pairing input in advance is in full accord with the literal that identifies, and the literal of perhaps most of (for example be set at and surpass 90%) input in advance is consistent with the literal that identifies.Two of purposes; If the literal quantity that identifies is many; And confidence level is than higher; Then can the literal of the pairing input in advance of the bank card of confirming through image matching technology be compared with the literal that identifies; The result of further authentication image coupling, the method for said literal comparison see whether to follow the literal that identifies in full accord through the literal on the card of the pairing input in advance of the determined bank card of image matching technology that the literal of perhaps most of (for example be set at and surpass 90%) input in advance is with the literal unanimity that identifies.So, relatively, the recognition accuracy of image can be higher.
In sum; The present invention provides a kind of acquisition methods and system of card image; Mainly be to utilize image matching technology to judge captured card whether to be complementary with the wherein card that prestores; After confirming coupling, read the accounts information that obtains that card that prestores, exempted needing when using card each time, all need import the loaded down with trivial details of related account information; And have facility obtained and the high advantage of recognition accuracy than prior art, better experience and service are provided for people use card.
The foregoing description is just listed expressivity principle of the present invention and effect is described, but not is used to limit the present invention.Any personnel that are familiar with this technology all can make amendment to the foregoing description under spirit of the present invention and scope.Therefore, rights protection scope of the present invention should be listed like claims.
Claims (11)
1. a card image acquisition methods is characterized in that, comprising:
Take the image of card;
The said image of taking extracts characteristics of image wherein, and the characteristics of image of the image of the card of said characteristics of image and registered in advance is carried out images match;
After confirming the images match success, obtain the accounts information corresponding that prestores, and return said accounts information with said card.
2. card image acquisition methods according to claim 1 is characterized in that, also comprises the step of card registration, comprising:
Take the image of card;
Obtain the said image of shooting, extract wherein characteristics of image and input and said card account associated information;
Store said characteristics of image and said accounts information.
3. card image acquisition methods according to claim 1 and 2 is characterized in that, said characteristics of image comprises the unique point and each unique point characteristic of correspondence vector in the image.
4. card image acquisition methods according to claim 1 and 2; It is characterized in that said accounts information comprises one or more in the kind, cardholder information, valid period, identifying code, Service Phone, network address of card number, card sending mechanism, card, the password for inquiry corresponding with said card, the trading password.
5. card image acquisition methods according to claim 1 is characterized in that, the characteristics of image of the image of the card of said characteristics of image and registered in advance is carried out images match comprise:
Extract characteristics of image; Carry out images match with the characteristic of the image of the card of registered in advance; From the image of the card of registered in advance, obtain the highest image of image similarity degree with the card of input, and the metric of corresponding both similarity degree of expression;
The metric and a preset metric of said similarity degree are compared, and more than or equal to preset said metric T0, then the image of the card of the image of definite card of taking and registered in advance is complementary as if said metric.
6. card image acquisition methods according to claim 5 is characterized in that, said metric is the real number more than or equal to zero, and the similarity degree is high more, and then the value of said metric is just big more.
7. a card image is obtained system, it is characterized in that, comprising:
Data bank is used to store characteristics of image and the accounts information corresponding with said card of image of the card of registered in advance;
The image capturing unit is used to take the image of card;
The image characteristics extraction unit is used to extract the characteristics of image by the image of the card of said image capturing unit photographs;
The images match unit, the characteristics of image of the image of the characteristics of image of the image of the card that is used for said image characteristics extraction unit is extracted and the card of the registered in advance that said data bank is stored carries out images match;
Information acquisition unit after the images match success is confirmed in said images match unit, is obtained the accounts information corresponding with said card that prestores, and is returned said accounts information.
8. card image according to claim 7 is obtained system, it is characterized in that, said characteristics of image comprises the unique point and each unique point characteristic of correspondence vector in the image.
9. card image according to claim 7 is obtained system; It is characterized in that said accounts information comprises one or more in the kind, cardholder information, valid period, identifying code, Service Phone, network address of card number, card sending mechanism, card, the password for inquiry corresponding with said card, the trading password.
10. card image according to claim 7 is obtained system; It is characterized in that the characteristics of image of the image of the characteristics of image of the image of the said card that is used for said image characteristics extraction unit is extracted and the card of the registered in advance that said data bank is stored carries out images match and comprises:
From the image of the card of registered in advance, obtain the highest image of image similarity degree with the card of input, and the metric of corresponding both similarity degree of expression;
The metric and a preset metric of said similarity degree are compared, and more than or equal to preset said metric T0, then the image of the card of the image of definite card of taking and registered in advance is complementary as if said metric.
11. card image according to claim 10 is obtained system, it is characterized in that, said metric is the real number more than or equal to zero, and the similarity degree is high more, and then the value of said metric is just big more.
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| CN201110268181A CN102324044A (en) | 2011-09-09 | 2011-09-09 | Card information acquisition method and system |
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| CN201110268181A CN102324044A (en) | 2011-09-09 | 2011-09-09 | Card information acquisition method and system |
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| WO2020113582A1 (en) * | 2018-12-07 | 2020-06-11 | Microsoft Technology Licensing, Llc | Providing images with privacy label |
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