CN105608621A - Remote account opening method, server and system - Google Patents
Remote account opening method, server and system Download PDFInfo
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- CN105608621A CN105608621A CN201510974751.8A CN201510974751A CN105608621A CN 105608621 A CN105608621 A CN 105608621A CN 201510974751 A CN201510974751 A CN 201510974751A CN 105608621 A CN105608621 A CN 105608621A
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- user
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06V—IMAGE OR VIDEO RECOGNITION OR UNDERSTANDING
- G06V40/00—Recognition of biometric, human-related or animal-related patterns in image or video data
- G06V40/10—Human or animal bodies, e.g. vehicle occupants or pedestrians; Body parts, e.g. hands
- G06V40/16—Human faces, e.g. facial parts, sketches or expressions
- G06V40/161—Detection; Localisation; Normalisation
Abstract
The invention discloses a remote account opening method. The method comprises the following steps: obtaining account opening application individual information input by a user through a client and receiving user certificate information scanned by the client; when the account opening application individual information is consistent with the user certificate information, obtaining a user face picture shot by the client through a camera; performing comparison identification on the user face picture and a target picture, and calculating a similarity score in combination with a living body detection technology; and when the similarity score is within a first predetermined range, opening a first electronic account with a card number and sending an account opening success notice to the client. The invention furthermore discloses a server and a system. According to the method, the server and the system, the account opening efficiency of the user can be improved, so that the user experience is improved.
Description
Technical field
The present invention relates to communication technical field, relate in particular to a kind of long-range method of opening an account, server and beSystem.
Background technology
Domestic bank's industry is taked the mode of cabinet face face label under line conventionally, is visitor face-to-face by banking personnelThe bank card business of opening an account is handled at family, but owing to handling long flow path etc. under site resource shortage, line under bank's lineProblem, easily makes troubles to client.
Foregoing only, for auxiliary understanding technical scheme of the present invention, does not represent and admits that foregoing isPrior art.
Summary of the invention
Main purpose of the present invention is to provide a kind of long-range method of opening an account, server and system, is intended toSolve under bank's line and handle the problems such as long flow path under site resource shortage, line, to improve user's the effect of opening an accountRate, and then improve user and experience.
For achieving the above object, a kind of long-range method of opening an account provided by the invention, described long-range opening an accountMethod comprises the following steps:
The application personal information and receive the use of client scan of opening an account of obtaining that user inputs by clientFamily certificate information;
In the time that the described application personal information of opening an account is consistent with described user certificate information, obtain described clientTake by opening camera the user's face picture obtaining;
By the identification of comparing of described user's face picture and Target Photo, and in conjunction with live body detection technique meterCalculation obtains similarity score value;
In the time that described similarity score value is in the first preset range, open the first electronics account with card numberFamily, and send to described client the successfully notice of opening an account.
In addition, for achieving the above object, the present invention also provides a kind of server, and described server comprises:
The first receiver module, for obtain that user inputs by client open an account application personal information andReceive the user certificate information of client scan;
The first acquisition module, for consistent with described user certificate information in the described application personal information of opening an accountTime, obtain described client and take by opening camera the user's face picture obtaining;
Computing module, for described user's face picture and Target Photo are compared identification combinationLive body detection technique calculates similarity score value;
First opens module, in the time that described similarity score value is in the first preset range, opens bandThere is the first electronic account of card number, and send to described client the successfully notice of opening an account.
In addition, for achieving the above object, the present invention also provides a kind of long-range account opening system, comprises clientAnd server as above,
Described client comprises:
The second acquisition module, applies for the user of personal information and scanning for obtaining opening an account of user's inputCertificate information;
The first sending module, for opening an account described in general, application personal information and user certificate information are sent toDescribed server;
Taking module, for open an account described in confirming at described server application personal information and described user certificateWhen part information is consistent, opens camera and take the user's face video obtaining;
The second sending module, for being sent to described server by described user's face video.
Long-range method of opening an account provided by the invention, server and long-range account opening system, first obtain userThe user certificate information of open an account application personal information and the reception client scan of inputting by client,In the time that the described application personal information of opening an account is consistent with described user certificate information, obtains described client and pass throughOpen camera and take the user's face picture obtaining, then by described user's face picture and Target PhotoThe identification of comparing, and calculate similarity score value in conjunction with live body detection technique, wherein, in described phaseSeemingly spend score value in the first preset range time, open the first electronic account with card number, and to describedClient sends the successfully notice of opening an account. Like this, can solve under bank's line and do under site resource shortage, lineThe problems such as reason long flow path, to improve user's the efficiency of opening an account, and then improve user and experience.
Brief description of the drawings
Fig. 1 is the schematic flow sheet of the long-range method of opening an account the first embodiment of the present invention;
Fig. 2 is the schematic flow sheet of the long-range method of opening an account the second embodiment of the present invention;
Fig. 3 is the schematic flow sheet of the long-range method of opening an account the 3rd embodiment of the present invention;
Fig. 4 is the schematic flow sheet of the long-range method of opening an account the 4th embodiment of the present invention;
Fig. 5 is the schematic flow sheet of the long-range method of opening an account the 5th embodiment of the present invention;
Fig. 6 is the schematic flow sheet of the long-range method of opening an account the 6th embodiment of the present invention;
Fig. 7 is the high-level schematic functional block diagram of server the first embodiment of the present invention;
Fig. 8 is the high-level schematic functional block diagram of server the second embodiment of the present invention;
Fig. 9 is the high-level schematic functional block diagram of server of the present invention the 3rd embodiment;
Figure 10 is the high-level schematic functional block diagram of server of the present invention the 4th embodiment;
Figure 11 is the high-level schematic functional block diagram of server of the present invention the 5th embodiment;
Figure 12 is the high-level schematic functional block diagram of long-range account opening system one embodiment of the present invention;
Figure 13 is the refinement high-level schematic functional block diagram of client in Figure 12.
Realization, functional characteristics and the advantage of the object of the invention, in connection with embodiment, are done further with reference to accompanying drawingExplanation.
Detailed description of the invention
Should be appreciated that specific embodiment described herein is only in order to explain the present invention, and be not used in limitDetermine the present invention.
The long-range method of opening an account that one embodiment of the invention provides, with reference to Fig. 1, described long-range method of opening an accountComprise the following steps:
Step S101, obtains open an account application personal information and reception client that user inputs by clientThe user certificate information of end scanning;
In the present embodiment, described client can be mobile phone terminal, notebook computer, panel computer, justTaking the various mobile terminals such as formula electronic equipment, can be also PC fixed terminal, and the present embodiment is preferably mobile phoneMobile terminal. Be understandable that, described client also can be for downloading at equipment such as described mobile phone terminalsOn the long-range application program of opening an account. The described application personal information of opening an account at least comprises: name, type of credential,Phone number etc. Described user certificate can be identity card, passport, army's testimony of a witness, residence booklet, residence permit,Various types of certificates such as People's Armed Police's identity card, the pass, temporary residency card.
Be understandable that, client can, by starting the long-range program of opening an account, point out user to demonstrate,provePart information scanning, taking identity card as example, specifically can first scan identity document front, then scan identity cardPart reverse side, and automatically by scanning recognition system of real name key message, comprise following information: name, sex,Nationality, date of birth, address, passport NO., photo, licence issuing authority and the term of validity etc., clientAbove real name information after scanning recognition is sent to server.
In the present embodiment, described server has huge user social contact data (as micro-letter, hand Q etc.),Based on user's reference model, can filter out qualified targeted customer, and invite it to open bank's electricityThe application function of sub-account.
Step S102, in the time that the described application personal information of opening an account is consistent with described user certificate information, obtainsDescribed client takes by opening camera the user's face picture obtaining;
In the present embodiment, in the time that the described application personal information of opening an account is consistent with described user certificate information, anti-Feedback identity is verified successfully prompting, and for further improving security performance, client is real-time by opening cameraOr take user's front face video with preset frequency, server intercepts user's face from face videoPicture. Be understandable that, in shooting process, in order to improve safe class, prevent that other people from palming off,Can also require user with reading by prompting random information. And as application personal information and the described user of opening an accountWhen certificate information is inconsistent, as user identity card number does not mate with name or the non-existent situation of identification card number,Feedback identity is verified unsuccessfully prompting.
Step S103, by the identification of comparing of described user's face picture and Target Photo, and in conjunction with live bodyDetection technique calculates similarity score value;
In the present embodiment, described server contrasts described user's face picture and described Target PhotoIdentification, obtains the identification score between described user's face picture and described Target Photo, and, increaseLive body detection technique, in conjunction with picture comparing result and live body testing result, calculate described similarityScore value, to improve security.
In one embodiment, in the time that user opens an account for the first time, server obtains use to Central Bank's network verification systemThe identity card head portrait at family, and compare the similarity of identity card head portrait and user's face picture.
In another embodiment, do not get user's identity from Central Bank's network verification system when serverWhen card head portrait, server sends the request of user's core body to Ministry of Public Security's system, by Ministry of Public Security's system comparison public securityThe similarity of the user identity picture that portion prestores and user's face picture.
Step S104, in the time that described similarity score value is in the first preset range, opens with card numberThe first electronic account, and send to described client the successfully notice of opening an account.
In the present embodiment, described similarity score value M is divided into three preset ranges, the first preset rangeFor M > 90, the second preset ranges are 60≤M≤90, the 3rd preset range is M < 60, certainly, and itsHe embodiment can specifically arrange according to actual conditions, is not limited to the present embodiment.
In the present embodiment, in the time of M > 90, show that user's face picture and the similarity of Target Photo are high,Now, can open the first electronic account with card number, and open an account successfully logical to described client transmissionKnow. Described the first electronic account is for more senior through identity information verification, recognition of face, live body detection etc.The electronic account of opening for client after safety certification, when user opens after the first electronic account, general feelingsMust be under condition card number of electronic account association Unionpay's card number of 62 dops (can) of user, can butBe not necessary for user and allot entity card (containing the card of smart machine integrated chip, i.e. IC-card), this jig is standbyThe major function of bank settlement account, account inquiries and management, Investment & Financing, individual loan are provided, transfer accounts,The services such as payment and settlement.
In other embodiments, when the Target Photo itself of Central Bank or Ministry of Public Security's retention is clear and user becomesIn the situation that merit is opened an account, for promoting security and the preciseness of server, can also successfully open an account userAfter a period of time, add asynchronous review mechanism: whether the audio/video information of being uploaded by customer service manual identified is useFamily, several key factors of manual identified are: whether mask zone; Whether be photo, video; BeNo is other animals etc.
Long-range method of opening an account provided by the invention, first obtains the Shen of opening an account that user inputs by clientPlease personal information and receive the user certificate information of client scan, in the described application personal information of opening an accountWhen consistent with described user certificate information, obtain described client and take by opening camera the use obtainingFamily face picture, the identification of then described user's face picture and Target Photo being compared, and in conjunction with livingHealth check-up survey technology calculates similarity score value, wherein, at described similarity score value in the first predetermined modelEnclose when interior, open the first electronic account with card number, and send to described client the successfully notice of opening an account.Like this, can solve under bank's line and handle the problems such as long flow path under site resource shortage, line, to improve useThe efficiency of opening an account at family, and then improve user and experience.
In one embodiment, as shown in Figure 2, on the basis of the embodiment of above-mentioned Fig. 1, described stepBefore S102, also comprise:
Step S105, receives the random information generation request instruction that described client sends;
Step S106, generates request instruction according to described random information and generates random information;
In the present embodiment, user end to server sends random information and generates request instruction, and this is preferably implementedIn example, described server is receiving after described request instruction, according to special algorithm generate comprise numeral,The random information of letter, Chinese character, symbol or above any one or more combination. Taking string number as example,The camera of client shooting user process in, every a second at random to user show one AhArabic numbers, and user need at the uniform velocity read aloud the numeral of demonstration, client is uploaded to recording complete videoServer, is understandable that, described video file should be encrypted in transmitting procedure.
Wherein, described step S102 further comprises:
In the time that the described application personal information of opening an account is consistent with described user certificate information, receive described eventually mobileEnd is recorded user and reads the audio/video information of described random information, and according to preset rules from described audio frequency and videoIn information, extract described user's face picture.
In the present embodiment, described audio/video information comprises that user reads audio frequency and the people of described random informationFace video, server extracts multiple user's face pictures at random from described audio/video information, and according toDefinition, static degree filter out suitable user's face picture, to preserve as the target figure upgradingSheet.
In one embodiment, as shown in Figure 3, on the basis of the embodiment of above-mentioned Fig. 1 or Fig. 2, instituteAfter stating step S103, also comprise:
Step S107, in the time that described similarity score value is in the second preset range, starts and described clientVideo conversation pattern between end, upgrades described Target Photo and sets up high definition picture data storehouse, to weighWhile newly obtaining described user's face picture, again by the described target figure of described user's face picture and renewalSheet is identified.
In the present embodiment,, show in the second preset range 60≤M≤90 o'clock at described similarity score valueIn face recognition process, the Target Photo similarity that user video picture and Central Bank or the Ministry of Public Security retain is lower,Possible cause is that the Target Photo of retaining is unintelligible, or variation has occurred user's face of the remote past, now,Need to start the video conversation pattern between described client, again obtain the target figure of fine definitionSheet, to facilitate user to re-start identification. Specifically can be by man-to-man video conversation pattern to useDescribed user certificate information is confirmed at family, is that user carries out identity information confirmation by the customer service of server, concreteComprise the personal information such as name, identification card number, licence issuing authority, the identity card term of validity. Treat user certificate letterWhen breath confirmation is errorless, can intercept at random or intercept according to budget rules user's face picture, by this workFor the Target Photo upgrading, to set up high definition picture data storehouse.
In one embodiment, as shown in Figure 4, on the basis of the embodiment of above-mentioned Fig. 1, described stepThe user certificate information that receives client scan in S101 also comprises before:
Step S108, verifies the described application personal information of opening an account by note, opens described simultaneouslyFamily application personal information is carried out identity card online checking checking;
In the present embodiment, the form such as passport NO., phone number that server is filled in user verifies,After checking is errorless, the phone number of filling in to user sends short-message verification code, tests to complete dynamic passwordCard. Meanwhile, server needs name and the passport NO. to user in real time to carry out identity online checking, judgesIt is consistent whether name, identity card piece number are reserved with the Ministry of Public Security.
Step S109 arranges trading password when by checking;
In the present embodiment, after verifying dynamic password and subscriber identity information examination & verification are passed through, user need read alsoAgree to " electronic account open an account agreement ", and predetermined number is set is online the digital trading password of 6, whenSo, in other embodiments, trading password is not limited to number and the type in the present embodiment.
Step S110, opens the second electronic account with card number.
In the present embodiment, user by online bidding through real-name authentication, taking card number as mark the second electronicsAccount, described the second electronic account is Simple electronic account, and account inquiries and management, investment can be providedThe services such as account transfer of the same name, loan origination account in person after financing, binding.
In one embodiment, as shown in Figure 5, on the basis of the embodiment of above-mentioned Fig. 4, described stepBefore S110, also comprise:
Step S111, according to the described application personal information of opening an account, the bank card that binding is of the same name with user.
In the present embodiment, fill in my other bank card card number of the same name and he under one's name by user by clientAfter the reserved cell-phone number of row, server fill in to user he manage it reserved cell-phone number and send short-message verification code, completeBecome verifying dynamic password. Meanwhile, server can dock Central Bank's account verification system or Unionpay's system etc., sentencesDetermine name, card number and reserved cell-phone number whether with Central Bank's system or Unionpay's system etc. stay stored consistent,If consistent, complete the binding between bank card that user is of the same name.
In one embodiment, as shown in Figure 6, on the basis of the embodiment of above-mentioned Fig. 1, described stepAfter S103, also comprise:
Step S112, in the time that described similarity score value is in the 3rd preset range, sends out to described clientThe notice of sending refusal to open an account.
In the present embodiment, during in the 3rd preset range M < 60, show user at described similarity score valueSimilarity between face picture and described Target Photo is lower, and now, server can directly be refused to useThe request with the first electronic account of card number is opened at family.
As shown in Figure 7, another embodiment of the present invention provides a kind of server 1, and described server 1 comprises:
The first receiver module 101, for obtain that user inputs by client open an account application personal information withAnd the user certificate information of reception client scan;
In the present embodiment, described client can be mobile phone terminal, notebook computer, panel computer, justTaking the various mobile terminals such as formula electronic equipment, can be also PC fixed terminal, and the present embodiment is preferably mobile phoneMobile terminal. Be understandable that, described client also can be for downloading at equipment such as described mobile phone terminalsOn the long-range application program of opening an account. The described application personal information of opening an account at least comprises: name, type of credential,Phone number etc. Described user certificate can be identity card, passport, army's testimony of a witness, residence booklet, residence permit,Various types of certificates such as People's Armed Police's identity card, the pass, temporary residency card.
Be understandable that, client can, by starting the long-range program of opening an account, point out user to demonstrate,provePart information scanning, taking identity card as example, specifically can first scan identity document front, then scan identity cardPart reverse side, and automatically by scanning recognition system of real name key message, comprise following information: name, sex,Nationality, date of birth, address, passport NO., photo, licence issuing authority and the term of validity etc., clientAbove real name information after scanning recognition is sent to server 1.
In the present embodiment, described server 1 has huge user social contact data (as micro-letter, hand Q etc.),Based on user's reference model, can filter out qualified targeted customer, and invite it to open bank's electricityThe application function of sub-account.
The first acquisition module 102, for applying for personal information and described user certificate information one described opening an accountWhile causing, obtain described client and take by opening camera the user's face picture obtaining;
In the present embodiment, in the time that the described application personal information of opening an account is consistent with described user certificate information, anti-Feedback identity is verified successfully prompting, and for further improving security performance, client is real-time by opening cameraOr take user's front face video with preset frequency, server intercepts user's face from face videoPicture. Be understandable that, in shooting process, in order to improve safe class, prevent that other people from palming off,Can also require user with reading by prompting random information. And as application personal information and the described user of opening an accountWhen certificate information is inconsistent, as user identity card number does not mate with name or the non-existent situation of identification card number,Feedback identity is verified unsuccessfully prompting.
Computing module 103, for carrying out described Identification platform by described user's face picture and Target PhotoMatching identification, and calculate similarity score value in conjunction with live body detection technique;
In the present embodiment, it is right that described server 1 carries out described user's face picture and described Target PhotoThan identification, obtain the identification score between described user's face picture and described Target Photo, and, increaseAdd live body detection technique, in conjunction with picture comparing result and live body testing result, calculated described similarDegree score value, to improve security.
In one embodiment, in the time that user opens an account for the first time, server 1 obtains to Central Bank's network verification systemUser's identity card head portrait, and compare the similarity of identity card head portrait and user's face picture.
In another embodiment, do not get user's body from Central Bank's network verification system when server 1When part card head portrait, server 1 sends the request of user's core body to Ministry of Public Security's system, is compared by Ministry of Public Security's systemThe similarity of the user identity picture that the Ministry of Public Security prestores and user's face picture.
First opens module 104, in the time that described similarity score value is in the first preset range, opensWith the first electronic account of card number, and send to described client the successfully notice of opening an account.
In the present embodiment, described similarity score value M is divided into three preset ranges, the first preset rangeFor M > 90, the second preset ranges are 60≤M≤90, the 3rd preset range is M < 60, certainly, and itsHe embodiment can specifically arrange according to actual conditions, is not limited to the present embodiment.
In the present embodiment, in the time of M > 90, show that user's face picture and the similarity of Target Photo are high,Now, can open the first electronic account with card number, and open an account successfully logical to described client transmissionKnow. Described the first electronic account is for more senior through identity information verification, recognition of face, live body detection etc.The electronic account of opening for client after safety certification, when user opens after the first electronic account, general feelingsMust be under condition card number of electronic account association Unionpay's card number of 62 dops (can) of user, can butBe not necessary for user and allot entity card (containing the card of smart machine integrated chip, i.e. IC-card), this jig is standbyThe major function of bank settlement account, account inquiries and management, Investment & Financing, individual loan are provided, transfer accounts,The services such as payment and settlement.
In other embodiments, when the Target Photo itself of Central Bank or Ministry of Public Security's retention is clear and user becomesIn the situation that merit is opened an account, for promoting security and the preciseness of server, can also successfully open an account userAfter a period of time, add asynchronous review mechanism: whether the audio/video information of being uploaded by customer service manual identified is useFamily, several key factors of manual identified are: whether mask zone; Whether be photo, video; BeNo is other animals etc.
Server provided by the invention, first obtains the application individual letter of opening an account that user inputs by clientThe user certificate information of breath and reception client scan, in described application personal information and the described use of opening an accountWhen family certificate information is consistent, obtains described client and take by opening camera the user's face figure obtainingSheet, the identification of then described user's face picture and Target Photo being compared, and detect skill in conjunction with live bodyArt calculates similarity score value, wherein, and in the time that described similarity score value is in the first preset range,Open the first electronic account with card number, and send to described client the successfully notice of opening an account. Like this,Can solve under bank's line and handle the problems such as long flow path under site resource shortage, line, to improve opening of userFamily efficiency, and then improve user and experience.
In one embodiment, as shown in Figure 8, on the basis of the embodiment of above-mentioned Fig. 7, described serviceDevice 1 also comprises:
The second receiver module 105, the random information generation request instruction sending for receiving described client;
Generation module 106, generates random information for generating request instruction according to described random information;
In the present embodiment, user end to server 1 sends random information and generates request instruction, and this is preferably realExecute in example, described server is receiving after described request instruction, according to special algorithm generate comprise numeral,The random information of letter, Chinese character, symbol or above any one or more combination. Taking string number as example,The camera of client shooting user process in, every a second at random to user show one AhArabic numbers, and user need at the uniform velocity read aloud the numeral of demonstration, client is uploaded to recording complete videoServer 1, is understandable that, described video file should be encrypted in transmitting procedure.
Wherein, described the first acquisition module 102 is further used for:
Receive described mobile terminal and record user and read the audio/video information of described random information, and according in advanceIf rule extracts described user's face picture from described audio/video information.
In the present embodiment, described audio/video information comprises that user reads audio frequency and the people of described random informationFace video, server 1 extracts multiple user's face pictures at random from described audio/video information, and rootFilter out suitable user's face picture according to definition, static degree, to preserve as the target of upgradingPicture.
In one embodiment, as shown in Figure 9, on the basis of the embodiment of above-mentioned Fig. 7, described serviceDevice also comprises:
Start module 107, in the time that described similarity score value is in the second preset range, start and instituteState the video conversation pattern between client, upgrade described Target Photo and set up high definition picture data storehouse,With in the time again obtaining described user's face picture, again by described in described user's face picture and renewalTarget Photo is identified.
In the present embodiment,, show in the second preset range 60≤M≤90 o'clock at described similarity score valueIn face recognition process, the Target Photo similarity that user video picture and Central Bank or the Ministry of Public Security retain is lower,Possible cause is that the Target Photo of retaining is unintelligible, or variation has occurred user's face of the remote past, now,Need to start the video conversation pattern between described client, again obtain the target figure of fine definitionSheet, to facilitate user to re-start identification. Specifically can be by man-to-man video conversation pattern to useDescribed user certificate information is confirmed at family, is that user carries out identity information confirmation by the customer service of server, concreteComprise the personal information such as name, identification card number, licence issuing authority, the identity card term of validity. Treat user certificate letterWhen breath confirmation is errorless, can intercept at random or intercept according to budget rules user's face picture, by this workFor the Target Photo upgrading, to set up high definition picture data storehouse.
In one embodiment, as shown in figure 10, on the basis of the embodiment of above-mentioned Fig. 7, described serviceDevice also comprises:
Authentication module 108, for by note, the described application personal information of opening an account being verified, simultaneously rightThe described application personal information of opening an account is carried out identity card online checking checking;
In the present embodiment, the form such as passport NO., phone number that server is filled in user verifies,After checking is errorless, the phone number of filling in to user sends short-message verification code, tests to complete dynamic passwordCard. Meanwhile, server needs name and the passport NO. to user in real time to carry out identity online checking, judgesIt is consistent whether name, identity card piece number are reserved with the Ministry of Public Security.
Module 109 is set, for trading password is set when by checking;
In the present embodiment, after verifying dynamic password and subscriber identity information examination & verification are passed through, user need read alsoAgree to " electronic account open an account agreement ", and predetermined number is set is online the digital trading password of 6, whenSo, in other embodiments, trading password is not limited to number and the type in the present embodiment.
Second opens module 110, for opening the second electronic account with card number.
In the present embodiment, user by online bidding through real-name authentication, taking card number as mark the second electronicsAccount, described the second electronic account is Simple electronic account, and account inquiries and management, investment can be providedThe services such as account transfer of the same name, loan origination account in person after financing, binding.
In one embodiment, as shown in figure 10, on the basis of the embodiment of above-mentioned Fig. 7, described serviceDevice also comprises:
Binding module 111, for the application personal information of opening an account described in basis, the bank that binding is of the same name with userCard.
In the present embodiment, fill in my other bank card card number of the same name and he under one's name by user by clientAfter the reserved cell-phone number of row, server fill in to user he manage it reserved cell-phone number and send short-message verification code, completeBecome verifying dynamic password. Meanwhile, server can dock Central Bank's account verification system or Unionpay's system etc., sentencesDetermine name, card number and reserved cell-phone number whether with Central Bank's system or Unionpay's system etc. stay stored consistent,If consistent, complete the binding between bank card that user is of the same name.
In one embodiment, as shown in figure 11, on the basis of the embodiment of above-mentioned Fig. 7, described serviceDevice also comprises:
Notification module 112, in the time that described similarity score value is in the 3rd preset range, to described visitorFamily end sends the notice that refusal is opened an account.
In the present embodiment, during in the 3rd preset range M < 60, show user at described similarity score valueSimilarity between face picture and described Target Photo is lower, and now, server can directly be refused to useThe request with the first electronic account of card number is opened at family.
As shown in figure 12, another embodiment of the present invention also provides a kind of long-range account opening system 100, described far awayJourney account opening system 100 comprises client 2 and server as above 1,
As shown in figure 13, in one embodiment, described client 2 comprises:
The second acquisition module 201, applies for the use of personal information and scanning for obtaining opening an account of user's inputFamily certificate information;
In the present embodiment, described client can be mobile phone terminal, notebook computer, panel computer, justTaking the various mobile terminals such as formula electronic equipment, can be also PC fixed terminal, and the present embodiment is preferably mobile phoneMobile terminal. Be understandable that, described client also can be for downloading at equipment such as described mobile phone terminalsOn the long-range application program of opening an account. The described application personal information of opening an account at least comprises: name, type of credential,Phone number etc. Described user certificate can be identity card, passport, army's testimony of a witness, residence booklet, residence permit,Various types of certificates such as People's Armed Police's identity card, the pass, temporary residency card.
The first sending module 202, for opening an account described in general, application personal information and user certificate information sendTo described server 1;
Be understandable that, client can, by starting the long-range program of opening an account, point out user to demonstrate,provePart information scanning, taking identity card as example, specifically can first scan identity document front, then scan identity cardPart reverse side, and automatically by scanning recognition system of real name key message, comprise following information: name, sex,Nationality, date of birth, address, passport NO., photo, licence issuing authority and the term of validity etc., clientAbove real name information after scanning recognition is sent to server 1.
Taking module 203, for open an account described in confirming at described server 1 application personal information and described useWhen family certificate information is consistent, opens camera and take the user's face video obtaining;
In the present embodiment, in the time that the described application personal information of opening an account is consistent with described user certificate information, anti-Feedback identity is verified successfully prompting, and for further improving security performance, client is real-time by opening cameraOr take user's front face video with preset frequency, and be understandable that, in shooting process, forRaising safe class, prevent that other people from palming off, can also require user with reading by prompting random information.And in the time that open an account application personal information and described user certificate information are inconsistent, as user identity is demonstrate,proved number and surnameName is not mated or the non-existent situation of identification card number, and feedback identity is verified unsuccessfully prompting.
The second sending module 204, for being sent to described server 1 by described user's face video.
Also it should be noted that, in this article, term " comprises ", " comprising " or its any other variant meaningContaining comprising of nonexcludability, thus make to comprise a series of key elements process, method, article orDevice not only comprises those key elements, but also comprises other key elements of clearly not listing, or also wrapsDraw together the key element intrinsic by this process, method, article or device. There is no the situation of more restrictionsUnder, the key element being limited by statement " comprising ... ", and be not precluded within comprise this key element process, method,In article or device, also there is other identical element.
The invention described above embodiment sequence number, just to describing, does not represent the quality of embodiment.
Through the above description of the embodiments, those skilled in the art can be well understood to above-mentionedThe mode that embodiment method can add essential general hardware platform by software realizes, and can certainly lead toCross hardware, but in a lot of situation, the former is better embodiment. Based on such understanding, of the present inventionThe part that technical scheme contributes to prior art in essence in other words can be with the form body of software productReveal to come, this computer software product is stored in a storage medium (as ROM/RAM, magnetic disc, lightDish) in, (can be mobile phone, computer, serves in order to make a station terminal equipment to comprise some instructionsDevice, or the network equipment etc.) carry out the method described in each embodiment of the present invention.
These are only the preferred embodiments of the present invention, not thereby limit the scope of the claims of the present invention, everyUtilize equivalent structure or the conversion of equivalent flow process that description of the present invention and accompanying drawing content do, or directly orConnect and be used in other relevant technical fields, be all in like manner included in scope of patent protection of the present invention.
Claims (14)
1. a long-range method of opening an account, is characterized in that, described long-range method of opening an account comprises following stepRapid:
The application personal information and receive the use of client scan of opening an account of obtaining that user inputs by clientFamily certificate information;
In the time that the described application personal information of opening an account is consistent with described user certificate information, obtain described clientTake by opening camera the user's face picture obtaining;
By the identification of comparing of described user's face picture and Target Photo, and in conjunction with live body detection technique meterCalculation obtains similarity score value;
In the time that described similarity score value is in the first preset range, open the first electronics account with card numberFamily, and send to described client the successfully notice of opening an account.
2. long-range method of opening an account as claimed in claim 1, is characterized in that, describedly opens an account describedWhen application personal information is consistent with described user certificate information, obtain described client by opening cameraBefore the step of user's face picture that shooting obtains, also comprise:
Receive the random information generation request instruction that described client sends;
Generate request instruction according to described random information and generate random information;
Wherein, described in, obtain described client and take by opening camera user's face picture of obtainingStep further comprises:
Receive described mobile terminal and record user and read the audio/video information of described random information, and according in advanceIf rule extracts described user's face picture from described audio/video information.
3. long-range method of opening an account as claimed in claim 2, is characterized in that, described random information bagDraw together numeral, letter, Chinese character, symbol or above any one or more combination.
4. long-range method of opening an account as claimed in claim 1 or 2, is characterized in that, described will described inThe identification of comparing of user's face picture and Target Photo, and calculate similar in conjunction with live body detection techniqueAfter the step of degree score value, also comprise:
In the time that described similarity score value is in the second preset range, start looking between described clientFrequently dialogue mode, upgrades described Target Photo and sets up high definition picture data storehouse, with described in again obtainWhen user's face picture, again the described Target Photo of described user's face picture and renewal is identified.
5. long-range method of opening an account as claimed in claim 4, is characterized in that, described reception clientBefore the step of the user certificate information of scanning, also comprise:
By note, the described application personal information of opening an account is verified, simultaneously to the described application individual that opens an accountInformation is carried out identity card online checking checking;
Trading password is set when by checking;
Open the second electronic account with card number.
6. long-range method of opening an account as claimed in claim 5, is characterized in that, described in open with cardNumber the step of the second electronic account before also comprise:
According to the described application personal information of opening an account, the bank card that binding is of the same name with user.
7. long-range method of opening an account as claimed in claim 1, is characterized in that, described by described userThe identification of comparing of face picture and Target Photo, and calculate similarity in conjunction with live body detection technique and divideAfter the step of value, also comprise:
In the time that described similarity score value is in the 3rd preset range, sends refusal to described client and open an accountNotice.
8. a server, is characterized in that, described server comprises:
The first receiver module, for obtain that user inputs by client open an account application personal information andReceive the user certificate information of client scan;
The first acquisition module, for consistent with described user certificate information in the described application personal information of opening an accountTime, obtain described client and take by opening camera the user's face picture obtaining;
Computing module, for described user's face picture and Target Photo are compared identification combinationLive body detection technique calculates similarity score value;
First opens module, in the time that described similarity score value is in the first preset range, opens bandThere is the first electronic account of card number, and send to described client the successfully notice of opening an account.
9. server as claimed in claim 8, is characterized in that, described server also comprises:
The second receiver module, the random information generation request instruction sending for receiving described client;
Generation module, generates random information for generating request instruction according to described random information;
Wherein, described the first acquisition module is further used for:
Receive described mobile terminal and record user and read the audio/video information of described random information, and according in advanceIf rule extracts described user's face picture from described audio/video information.
10. server as claimed in claim 8 or 9, is characterized in that, described server also comprises:
Start module, in the time that described similarity score value is in the second preset range, start with described inVideo conversation pattern between client, upgrades described Target Photo and sets up high definition picture data storehouse, withIn the time again obtaining described user's face picture, again by the described order of described user's face picture and renewalThe sheet of marking on a map is identified.
11. servers as claimed in claim 10, is characterized in that, described server also comprises:
Authentication module, for by note, the described application personal information of opening an account being verified, simultaneously to instituteState the application personal information of opening an account and carry out identity card online checking checking;
Module is set, for trading password is set when by checking;
Second opens module, for opening the second electronic account with card number.
12. servers as claimed in claim 11, is characterized in that, described server also comprises:
Binding module, for the application personal information of opening an account described in basis, the bank card that binding is of the same name with user.
13. servers as claimed in claim 8, is characterized in that, described server also comprises:
Notification module, in the time that described similarity score value is in the 3rd preset range, to described clientEnd sends the notice that refusal is opened an account.
14. 1 kinds of long-range account opening systems, is characterized in that, described long-range account opening system comprise client withAnd server as described in any one in claim 8 to 13,
Described client comprises:
The second acquisition module, applies for the user of personal information and scanning for obtaining opening an account of user's inputCertificate information;
The first sending module, for opening an account described in general, application personal information and user certificate information are sent toDescribed server;
Taking module, for open an account described in confirming at described server application personal information and described user certificateWhen part information is consistent, opens camera and take the user's face video obtaining;
The second sending module, for being sent to described server by described user's face video.
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| Application Number | Priority Date | Filing Date | Title |
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| CN201510974751.8A CN105608621A (en) | 2015-12-22 | 2015-12-22 | Remote account opening method, server and system |
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| Application Number | Priority Date | Filing Date | Title |
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| CN201510974751.8A CN105608621A (en) | 2015-12-22 | 2015-12-22 | Remote account opening method, server and system |
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| CN105608621A true CN105608621A (en) | 2016-05-25 |
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| CN201510974751.8A Pending CN105608621A (en) | 2015-12-22 | 2015-12-22 | Remote account opening method, server and system |
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