CN106600397A - Remote account opening method and device - Google Patents
Remote account opening method and device Download PDFInfo
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- CN106600397A CN106600397A CN201611040555.4A CN201611040555A CN106600397A CN 106600397 A CN106600397 A CN 106600397A CN 201611040555 A CN201611040555 A CN 201611040555A CN 106600397 A CN106600397 A CN 106600397A
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- Prior art keywords
- account
- face video
- opening
- application
- 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 and a device. The method includes the steps of upon acquiring the account opening information input through the application of a mobile terminal and judging that the account opening information meets a preset condition, acquiring the face video of a user; recognizing a face image in the face video of the user to obtain a recognition result; sending the recognition result and the face video of the user to an asynchronous audit system for the asynchronous audit system to audit the face video according to the recognition result; upon receiving a prompt message for indicating that the face video passes the audit and fed back by the asynchronous audit system, conducting the account opening operation according to the account opening information. According to the technical scheme of the invention, during the remote account-opening process, on the basis of face recognition, an audio of a user who wants to open an account is acquired and the audio is subjected to detection in vivo. Meanwhile, the face video is sent to the audit staff of the asynchronous audit system to be audited. Therefore, an illegal theft is prevented from opening an account through stealing the image of the user. The user identification accuracy during the remote account-opening process is improved.
Description
Technical field
The present invention relates to communication technical field, more particularly to a kind of long-range account-opening method and device.
Background technology
Domestic bank's industry is usually taken the mode that cabinet face face is signed under line, and silver is handled for client face-to-face by banking personnel
Row card is opened an account business, but the problems such as due to handling long flow path under site resource shortage, line under bank's line, is easily brought not to client
Just.To solve this problem, existing scheme takes the mode remotely opened an account to improve efficiency of opening an account, but is remotely opened in user
During family, the first ownership goal image for being used to compare is normally taken from People's Bank of China (abbreviation Central Bank) or the Ministry of Public Security
The image of retention.But illegal molecule can adopt the facial image stolen remotely to be opened an account, and cause bank's None- identified needs
Whether the user for opening an account is same person with the user in contrast image used.
The above is only used for auxiliary and understands technical scheme, does not represent and recognizes that the above is existing skill
Art.
The content of the invention
Present invention is primarily targeted at providing a kind of long-range account-opening method and device, it is intended to which how solution is remotely opening an account
During improve user identity identification accuracy rate technical problem.
For achieving the above object, a kind of long-range account-opening method that the present invention is provided, the long-range account-opening method includes：
When the information of opening an account for getting the input in the application of mobile terminal, and the information of opening an account meets pre-conditioned
When, obtain the face video of user；
The facial image in the face video is recognized, result is identified；
The recognition result and the face video are sent to asynchronous auditing system, for the asynchronous auditing system root
The face video is audited according to the recognition result；
When the information that the face video examination ＆ verification for receiving the asynchronous auditing system feedback passes through, according to institute
State information of opening an account and perform account-opening.
Preferably, it is described when the information of opening an account for getting the input in the application of mobile terminal, and the information of opening an account expire
Foot it is pre-conditioned when, obtain user face video the step of include：
When getting the information of opening an account that is input in the application, and the information of opening an account is when meeting pre-conditioned, sends
Identifying code into the mobile terminal, so that user is input in the application the identifying code that the mobile terminal is received；
When receiving the identifying code that is input in the application, and the identifying code being input into is consistent with the identifying code for being sent
When, obtain the face video of user.
Preferably, it is described when receiving the identifying code being input in the application, and the identifying code being input into and sent
Identifying code it is consistent when, obtain user face video the step of include：
When receiving the identifying code that is input in the application, and the identifying code being input into is consistent with the identifying code for being sent
When, word to be read is sent to the application, so that user reads the word to be read when the face video is recorded；
The face video that the application sends is obtained, wherein, it is described to be read that the face video includes that user reads
The audio frequency of word, and captured facial image during the word to be read is read.
Preferably, the facial image in the identification face video, includes the step of be identified result：
Obtain the facial image in the face video, calculate the facial image to prestore it is similar between facial image
Degree；
When the similarity is more than or equal to default similarity, the facial image identification in the face video is determined
Success；
When the similarity is less than the default similarity, determine that the facial image identification in the face video is lost
Lose.
Preferably, it is described the recognition result and the face video to be sent to asynchronous auditing system, for described different
After the step of step auditing system audits the face video according to the recognition result, also include：
When the face video for receiving the asynchronous auditing system feedback audits the information of failure, transmission is opened
The reason for family fails give the application, for it is described application according to it is described open an account failure the reason for prompting user open an account unsuccessfully.
Additionally, for achieving the above object, the present invention also provides a kind of device of remotely opening an account, the device bag of remotely opening an account
Include：
Acquisition module, for working as the information of opening an account being input in the application of mobile terminal that gets, and the information of opening an account
When meeting pre-conditioned, the face video of user is obtained；
Identification module, for recognizing the face video in facial image, be identified result；
Sending module, for the recognition result and the face video to be sent to asynchronous auditing system, for described
Asynchronous auditing system audits the face video according to the recognition result；
Performing module, for the prompting passed through when the face video examination ＆ verification for receiving the asynchronous auditing system feedback
During information, account-opening is performed according to the information of opening an account.
Preferably, the acquisition module includes：
Transmitting element, for working as the information of opening an account being input in the application is got, and the information of opening an account meets pre-
If during condition, sending identifying code into the mobile terminal, connect so that user is input in the application the mobile terminal
The identifying code of receipts；
Acquiring unit, for when receiving the identifying code being input in the application, and the identifying code being input into and sends out
When the identifying code that send is consistent, the face video of user is obtained.
Preferably, the transmitting element is additionally operable to work as and receives the identifying code being input in the application, and be input into
When identifying code is consistent with the identifying code for being sent, word to be read is sent to the application, so that user is recording the face
The word to be read is read during video；
The acquiring unit is additionally operable to obtain the face video that the application sends, wherein, the face video includes
User reads the audio frequency of the word to be read, and captured facial image during the word to be read is read.
Preferably, the identification module includes：
Computing unit, for obtaining the face video in facial image, calculate the facial image and the face that prestores
Similarity between image；
Determining unit, for when the similarity is more than or equal to default similarity, in determining the face video
Facial image recognize successfully；When the similarity is less than the default similarity, the face in the face video is determined
Image recognition fails.
Preferably, the sending module is additionally operable to when the face video for receiving the asynchronous auditing system feedback is examined
During the information of core failure, the reason for opening an account failure is sent to the application, so that the application is opened an account unsuccessfully according to described
The reason for prompting user open an account unsuccessfully.
The present invention when the information of opening an account for getting the input in the application of mobile terminal, and the information of opening an account by meeting
When pre-conditioned, the facial image in the acquired face video of identification sends out the recognition result of gained and the face video
Asynchronous auditing system is given, so that the asynchronous auditing system audits the face video according to the recognition result, works as reception
When the face video fed back to the asynchronous auditing system audits the information for passing through, performed according to the information of opening an account
Account-opening.Realize during remotely opening an account, on the basis of recognition of face is carried out, obtain the sound of the user for needing to open an account
Frequency simultaneously carries out In vivo detection, and the auditor that face video is sent to asynchronous auditing system is audited, and prevents illegal point
Son is opened an account using the image of theft, improves the correctness of user identity identification during remotely opening an account.
Description of the drawings
Fig. 1 is the schematic flow sheet of the preferred embodiment of long-range account-opening method of the invention；
Fig. 2 is when getting the information of opening an account that is input in the application of mobile terminal, and described to open in the embodiment of the present invention
When family information meets pre-conditioned, a kind of schematic flow sheet of the face video of user is obtained；
Fig. 3 is the high-level schematic functional block diagram of the preferred embodiment of device of remotely opening an account of the invention；
Fig. 4 is a kind of high-level schematic functional block diagram of acquisition module in the embodiment of the present invention.
The realization of the object of the invention, functional characteristics and advantage will be described further referring to the drawings in conjunction with the embodiments.
Specific embodiment
It should be appreciated that specific embodiment described herein is not intended to limit the present invention only to explain the present invention.
With reference to Fig. 1, Fig. 1 is the schematic flow sheet of the preferred embodiment of long-range account-opening method of the invention.
In the present embodiment, the long-range account-opening method includes：
Step S10, when the information of opening an account for getting the input in the application of mobile terminal, and the information of opening an account meets pre-
If during condition, obtaining the face video of user；
When user needs remotely to open an account, user is input into information of opening an account in the application of mobile terminal.It should be noted that
Video calling interface in the application employs the face recognition technology based on H5 (HTML5.0).The mobile terminal includes
But mobile phone is not limited to, in the present embodiment, the mobile terminal is mobile phone.The application includes but is not limited to the mobile terminal
Wechat, such as when the application is wechat, user can pass through the public number of bank in the wechat be input into described in open an account information.
The ID (identity number) card No. and phone number of the information including user of opening an account.The mobile terminal and the service using with bank
Communication connection is established between device.When the server get that user is input in the application open an account information when, it is described
Server judge described in information of opening an account whether meet pre-conditioned, that is, judge the ID (identity number) card No. be whether 18 bit digitals or
It is 17 bit digitals plus a letter, and judges whether the phone number is 11 bit digitals.Described in determining when the server
ID (identity number) card No. is 18 bit digitals or 17 bit digitals plus a letter, when the phone number is 11 bit digital, i.e., described
When the information of opening an account meets pre-conditioned, the server obtains the face video of user.When it is described open an account be unsatisfactory for it is pre-conditioned
When, the server sends information to the application, so that the application receives the information, according to the prompting
Open an account described in information alert user information errors, please re-enter.
Step S20, recognizes the facial image in the face video, is identified result；
When the server gets the face video, the facial image in the face video is recognized, known
Other result.
Further, step S20 includes：
Step a, obtains the facial image in the face video, calculates the facial image and prestores between facial image
Similarity；
Step b, when the similarity is more than or equal to default similarity, determines the face figure in the face video
As recognizing successfully；
Step c, when the similarity is less than the default similarity, determines that the facial image in the face video is known
Do not fail.
Further, the server recognizes the facial image in the face video, is identified the concrete mistake of result
Cheng Wei：The server obtains the facial image in the face video and the facial image that prestores, calculate the facial image with
The similarity prestored between facial image.By the facial image and the similarity prestored between facial image and default similarity
Contrasted, when the similarity is more than or equal to the default similarity, determined the face figure in the face video
As recognizing successfully；When the similarity is less than the default similarity, the facial image identification in the face video is determined
Failure.It should be noted that the default facial image is the facial image that the server is prestored, for remotely opening an account
During recognition of face.And the default similarity can be arranged according to specific needs.
Step S30, the recognition result and the face video are sent to asynchronous auditing system, for described asynchronous careful
Core system audits the face video according to the recognition result；
After the server obtains the recognition result of the facial image, the server is by the recognition result and institute
State face video to send to asynchronous auditing system.When the asynchronous auditing system receives the recognition result and the face is regarded
During frequency, the asynchronous auditing system audits the face video according to the recognition result, i.e., pointed out according to the recognition result
The auditor of the asynchronous auditing system audits the facial image in the face video.When the recognition result is the people
When face image is recognized successfully, the asynchronous auditing system point out the auditor described in facial image recognize successfully, ask review
Facial image in the face video；When the recognition result is the facial image recognition failures, the asynchronous examination ＆ verification
Facial image recognition failures described in auditor described in system prompt, please audit again the facial image in the face video.
Audit in review or again during the facial image, when the auditor determines that the facial image is examined
When core passes through, the auditor audits the information for passing through to the server by the asynchronous auditing system feedback；
When the auditor determines the facial image examination ＆ verification failure, the auditor is by the asynchronous auditing system feedback
The information of examination ＆ verification failure gives the server.
Step S40, when the information that the face video examination ＆ verification for receiving the asynchronous auditing system feedback passes through
When, account-opening is performed according to the information of opening an account.
When the prompting letter that the face video examination ＆ verification that the server receives the asynchronous auditing system feedback passes through
During breath, the server performs account-opening according to the information of opening an account.Further, when the server is opened an account according to described
After information is successfully opened an account, the server sends and opens an account success message to the application, so that the Application Hints user opens an account
Success.
Further, the long-range account-opening method also includes：
Step e, when the face video for receiving the asynchronous auditing system feedback audits the information of failure,
Transmission open an account failure the reason for the application, for the application according to it is described open an account failure the reason for prompting user open an account mistake
Lose.
Further, when the server receives the face video examination ＆ verification failure of the asynchronous auditing system feedback
Information when, the server determines the reason for opening an account identification, and by it is described open an account failure the reason for be sent to it is described should
With, for it is described application according to it is described open an account failure the reason for prompting user open an account unsuccessfully.It should be noted that the mistake of opening an account
The reason for losing includes but is not limited to facial image recognition failures in the face video.
The present embodiment when the information of opening an account for getting the input in the application of mobile terminal, and the information of opening an account by expiring
When foot is pre-conditioned, the facial image in the acquired face video of identification, by the recognition result of gained and the face video
Asynchronous auditing system is sent to, so that the asynchronous auditing system audits the face video according to the recognition result, when connecing
When the face video for receiving the asynchronous auditing system feedback audits the information for passing through, held according to the information of opening an account
Row account-opening.Realize during remotely opening an account, on the basis of recognition of face is carried out, obtain the user's that needs are opened an account
Audio frequency simultaneously carries out In vivo detection, and the auditor that face video is sent to asynchronous auditing system is audited, and prevents illegal
Molecule is opened an account using the image of theft, improves the correctness of user identity identification during remotely opening an account.
Further, with reference to Fig. 2, Fig. 2 is to be input in the application of mobile terminal when getting in the embodiment of the present invention
Open an account information, and the information of opening an account is when meeting pre-conditioned, obtains a kind of schematic flow sheet of the face video of user, is based on
First embodiment proposes the second embodiment of the long-range account-opening method of the present invention.
In the present embodiment, the long-range account-opening method also includes：
Further, step S10 includes：
Step S11, when getting the information of opening an account that is input in the application, and the information of opening an account meets pre-conditioned
When, identifying code is sent into the mobile terminal, for testing that user is input in the application that the mobile terminal received
Card code；
Step S12, when receiving the identifying code that is input in the application, and the identifying code being input into and testing of being sent
When card code is consistent, the face video of user is obtained.
When the server gets the information of opening an account that user is input in the application, and the information of opening an account meets pre-
If during condition, the server sends identifying code into the mobile terminal.When the mobile terminal receives the identifying code
When, described application exports information prompting user in its display interface and the mobile terminal is input in Preset Time is connect
The identifying code of receipts.When it is described apply identifying code that user is input into is received in the Preset Time when, the application will be used
The identifying code that family is input into is sent to the server.When the server receives the checking that user is input in the application
During code, the identifying code that the server is input into user and its identifying code for being sent are contrasted.When user is input into
When identifying code is consistent with the identifying code for being sent, the server sends information to the application, so that the application is carried
Show that user records face video.When the application is recorded to the face video of user, the face video is sent out in the application
The server is given, the server obtains the face video.It should be noted that when the user is not described default
When being input into the identifying code that the mobile terminal is received in the application in the time, the identifying code failure, the user can
To ask the server to send identifying code again by the application.The Preset Time can be arranged according to specific needs.
Further, when the identifying code that user is input into is inconsistent with the identifying code for being sent, the server sends
The information of identifying code mistake gives the application, so that the application is used according to the prompting of the information of the identifying code mistake
The identifying code mistake of family input.When the identifying code mistake that user is input into, user can again ask described by the application
Server sends identifying code.In the present embodiment, the identifying code is numeral.
Further, step S12 includes:
Step f, when receiving the identifying code that is input in the application, and the identifying code being input into and the checking for being sent
When code is consistent, word to be read is sent to the application, so that user reads described to be read when the face video is recorded
Word；
Step g, obtains the face video that the application sends, wherein, it is described that the face video includes that user reads
The audio frequency of word to be read, and captured facial image during the word to be read is read.
Further, in the server receives the application be input into identifying code, and the identifying code being input into and
When identifying code that it is sent is consistent, the server sends word to be read to the application.When the application receives institute
When stating word to be read, the application call photographic head records the face video of user, and points out user recording the face
During video, the word to be read is read aloud, so as to during user's face video is obtained, obtain the audio frequency of user.When
When the application gets the face video by the photographic head, the face video is sent to into the server.Institute
State server and receive described using sent face video, wherein, the face video includes that user waits to read described in reading
Read the audio frequency of word, and captured facial image during the word to be read is read.The word to be read can
Being numeral, or Chinese, or English etc..
Further, the audio frequency in face video described in the server storage, is carried out by the audio frequency to user
Test alive, and ensure the verity of user identity by storing the audio frequency.
The present embodiment is by before the face video of user is obtained, first passing through identifying code to verify the true of the information of opening an account
Property, prevent user from being opened an account using the false information of opening an account, improve the correctness of user identity identification during remotely opening an account.
The device the present invention further provides one kind is remotely opened an account.
With reference to Fig. 3, Fig. 3 is the high-level schematic functional block diagram of the preferred embodiment of device of remotely opening an account of the invention.
It is emphasized that it will be apparent to those skilled in the art that module map shown in Fig. 3 is only a preferred embodiment
Exemplary plot, the module of remotely open an account device of the those skilled in the art shown in Fig. 3 can easily carry out new module
Supplement；The title of each module is self-defined title, is only used for each program function block for aiding in understanding the device of remotely opening an account, no
For limiting technical scheme, the core of technical solution of the present invention is, what the module of each self-defined title to be reached
Function.
In the present embodiment, the device of remotely opening an account includes：
Acquisition module 10, for working as the information of opening an account being input in the application of mobile terminal that gets, and the letter of opening an account
When breath meets pre-conditioned, the face video of user is obtained；
When user needs remotely to open an account, user is input into information of opening an account in the application of mobile terminal.It should be noted that
Video calling interface in the application employs the face recognition technology based on H5 (HTML5.0).The mobile terminal includes
But mobile phone is not limited to, in the present embodiment, the mobile terminal is mobile phone.The application includes but is not limited to the mobile terminal
Wechat, such as when the application is wechat, user can pass through the public number of bank in the wechat be input into described in open an account information.
The ID (identity number) card No. and phone number of the information including user of opening an account.The mobile terminal and the service using with bank
Communication connection is established between device.When the server get that user is input in the application open an account information when, it is described
Server judge described in information of opening an account whether meet pre-conditioned, that is, judge the ID (identity number) card No. be whether 18 bit digitals or
It is 17 bit digitals plus a letter, and judges whether the phone number is 11 bit digitals.Described in determining when the server
ID (identity number) card No. is 18 bit digitals or 17 bit digitals plus a letter, when the phone number is 11 bit digital, i.e., described
When the information of opening an account meets pre-conditioned, the server obtains the face video of user.When it is described open an account be unsatisfactory for it is pre-conditioned
When, the server sends information to the application, so that the application receives the information, according to the prompting
Open an account described in information alert user information errors, please re-enter.
Identification module 20, for recognizing the face video in facial image, be identified result；
When the server gets the face video, the facial image in the face video is recognized, known
Other result.
Further, the identification module 20 includes：
Computing unit, for obtaining the face video in facial image, calculate the facial image and the face that prestores
Similarity between image；
Determining unit, for when the similarity is more than or equal to default similarity, in determining the face video
Facial image recognize successfully；When the similarity is less than the default similarity, the face in the face video is determined
Image recognition fails.
Further, the server recognizes the facial image in the face video, is identified the concrete mistake of result
Cheng Wei：The server obtains the facial image in the face video and the facial image that prestores, calculate the facial image with
The similarity prestored between facial image.By the facial image and the similarity prestored between facial image and default similarity
Contrasted, when the similarity is more than or equal to the default similarity, determined the face figure in the face video
As recognizing successfully；When the similarity is less than the default similarity, the facial image identification in the face video is determined
Failure.It should be noted that the default facial image is the facial image that the server is prestored, for remotely opening an account
During recognition of face.And the default similarity can be arranged according to specific needs.
Sending module 30, for the recognition result and the face video to be sent to asynchronous auditing system, for institute
State asynchronous auditing system and the face video is audited according to the recognition result；
After the server obtains the recognition result of the facial image, the server is by the recognition result and institute
State face video to send to asynchronous auditing system.When the asynchronous auditing system receives the recognition result and the face is regarded
During frequency, the asynchronous auditing system audits the face video according to the recognition result, i.e., pointed out according to the recognition result
The auditor of the asynchronous auditing system audits the facial image in the face video.When the recognition result is the people
When face image is recognized successfully, the asynchronous auditing system point out the auditor described in facial image recognize successfully, ask review
Facial image in the face video；When the recognition result is the facial image recognition failures, the asynchronous examination ＆ verification
Facial image recognition failures described in auditor described in system prompt, please audit again the facial image in the face video.
Audit in review or again during the facial image, when the auditor determines that the facial image is examined
When core passes through, the auditor audits the information for passing through to the server by the asynchronous auditing system feedback；
When the auditor determines the facial image examination ＆ verification failure, the auditor is by the asynchronous auditing system feedback
The information of examination ＆ verification failure gives the server.
Performing module 40, for when carrying that the face video examination ＆ verification for receiving the asynchronous auditing system feedback passes through
When showing information, account-opening is performed according to the information of opening an account.
When the prompting letter that the face video examination ＆ verification that the server receives the asynchronous auditing system feedback passes through
During breath, the server performs account-opening according to the information of opening an account.Further, when the server is opened an account according to described
After information is successfully opened an account, the server sends and opens an account success message to the application, so that the Application Hints user opens an account
Success.
Further, the sending module 30 is additionally operable to when the face for receiving the asynchronous auditing system feedback is regarded
During the information of frequency examination ＆ verification failure, the reason for opening an account failure is sent to the application, so that the application is opened an account according to described
The reason for failure prompting user opens an account unsuccessfully.
Further, when the server receives the face video examination ＆ verification failure of the asynchronous auditing system feedback
Information when, the server determines the reason for opening an account identification, and by it is described open an account failure the reason for be sent to it is described should
With, for it is described application according to it is described open an account failure the reason for prompting user open an account unsuccessfully.It should be noted that the mistake of opening an account
The reason for losing includes but is not limited to facial image recognition failures in the face video.
The present embodiment when the information of opening an account for getting the input in the application of mobile terminal, and the information of opening an account by expiring
When foot is pre-conditioned, the facial image in the acquired face video of identification, by the recognition result of gained and the face video
Asynchronous auditing system is sent to, so that the asynchronous auditing system audits the face video according to the recognition result, when connecing
When the face video for receiving the asynchronous auditing system feedback audits the information for passing through, held according to the information of opening an account
Row account-opening.Realize during remotely opening an account, on the basis of recognition of face is carried out, obtain the user's that needs are opened an account
Audio frequency simultaneously carries out In vivo detection, and the auditor that face video is sent to asynchronous auditing system is audited, and prevents illegal
Molecule is opened an account using the image of theft, improves the correctness of user identity identification during remotely opening an account.
Further, with reference to Fig. 4, Fig. 4 is a kind of high-level schematic functional block diagram of acquisition module in the embodiment of the present invention, is based on
First embodiment proposes the second embodiment of device of remotely opening an account of the invention.
In the present embodiment, the acquisition module 10 includes：
Transmitting element 11, for working as the information of opening an account being input in the application is got, and the information satisfaction of opening an account
When pre-conditioned, identifying code is sent into the mobile terminal, so that user is input in the application the mobile terminal institute
The identifying code of reception；
Acquiring unit 12, for when receiving the identifying code being input in the application, and the identifying code that is input into and institute
When the identifying code of transmission is consistent, the face video of user is obtained.
When the server gets the information of opening an account that user is input in the application, and the information of opening an account meets pre-
If during condition, the server sends identifying code into the mobile terminal.When the mobile terminal receives the identifying code
When, described application exports information prompting user in its display interface and the mobile terminal is input in Preset Time is connect
The identifying code of receipts.When it is described apply identifying code that user is input into is received in the Preset Time when, the application will be used
The identifying code that family is input into is sent to the server.When the server receives the checking that user is input in the application
During code, the identifying code that the server is input into user and its identifying code for being sent are contrasted.When user is input into
When identifying code is consistent with the identifying code for being sent, the server sends information to the application, so that the application is carried
Show that user records face video.When the application is recorded to the face video of user, the face video is sent out in the application
The server is given, the server obtains the face video.It should be noted that when the user is not described default
When being input into the identifying code that the mobile terminal is received in the application in the time, the identifying code failure, the user can
To ask the server to send identifying code again by the application.The Preset Time can be arranged according to specific needs.
Further, when the identifying code that user is input into is inconsistent with the identifying code for being sent, the server sends
The information of identifying code mistake gives the application, so that the application is used according to the prompting of the information of the identifying code mistake
The identifying code mistake of family input.When the identifying code mistake that user is input into, user can again ask described by the application
Server sends identifying code.In the present embodiment, the identifying code is numeral.
Further, the transmitting element 11 is additionally operable to work as and receives the identifying code being input in the application, and institute is defeated
When the identifying code for entering is consistent with the identifying code for being sent, word to be read is sent to the application, so that user is recording described
The word to be read is read during face video；
The acquiring unit 12 is additionally operable to obtain the face video that the application sends, wherein, wrap in the face video
Include the audio frequency that user reads the word to be read, and captured face figure during the word to be read is read
Picture.
Further, in the server receives the application be input into identifying code, and the identifying code being input into and
When identifying code that it is sent is consistent, the server sends word to be read to the application.When the application receives institute
When stating word to be read, the application call photographic head records the face video of user, and points out user recording the face
During video, the word to be read is read aloud, so as to during user's face video is obtained, obtain the audio frequency of user.When
When the application gets the face video by the photographic head, the face video is sent to into the server.Institute
State server and receive described using sent face video, wherein, the face video includes that user waits to read described in reading
Read the audio frequency of word, and captured facial image during the word to be read is read.The word to be read can
Being numeral, or Chinese, or English etc..
Further, the audio frequency in face video described in the server storage, is carried out by the audio frequency to user
Test alive, and ensure the verity of user identity by storing the audio frequency.
The present embodiment is by before the face video of user is obtained, first passing through identifying code to verify the true of the information of opening an account
Property, prevent user from being opened an account using the false information of opening an account, improve the correctness of user identity identification during remotely opening an account.
The embodiments of the present invention are for illustration only, do not represent the quality of embodiment.Embodiment party by more than
The description of formula, it is required general that those skilled in the art can be understood that above-described embodiment method can add by software
The mode of hardware platform is realizing, naturally it is also possible to by hardware, but in many cases the former is more preferably embodiment.It is based on
Such understanding, the part that technical scheme substantially contributes in other words to prior art can be with software product
Form embody, the computer software product is stored in a storage medium (such as ROM/RAM, magnetic disc, CD), including
Some instructions are used so that a station terminal equipment (can be mobile phone, computer, server, or network equipment etc.) performs this
Method described in bright each embodiment.
The preferred embodiments of the present invention are these are only, the scope of the claims of the present invention is not thereby limited, it is every using this
Equivalent structure or equivalent flow conversion that bright description and accompanying drawing content are made, or directly or indirectly it is used in other related skills
Art field, is included within the scope of the present invention.
Claims (10)
1. a kind of long-range account-opening method, it is characterised in that the long-range account-opening method includes：
When the information of opening an account for getting the input in the application of mobile terminal, and the information of opening an account meet pre-conditioned, obtain
Take the face video at family；
The facial image in the face video is recognized, result is identified；
The recognition result and the face video are sent to asynchronous auditing system, so that the asynchronous auditing system is according to institute
State recognition result and audit the face video；
When the information that the face video examination ＆ verification for receiving the asynchronous auditing system feedback passes through, opened according to described
Family information performs account-opening.
2. account-opening method as claimed in claim 1 long-range, it is characterised in that described when getting in the application of mobile terminal
The step of information of opening an account of input, and the information of opening an account is when meeting pre-conditioned, face video for obtaining user, includes：
When getting the information of opening an account that is input in the application, and the information of opening an account is when meeting pre-conditioned, sends checking
Code into the mobile terminal, so that user is input in the application the identifying code that the mobile terminal is received；
When receiving the identifying code that is input in the application, and the identifying code being input into it is consistent with the identifying code for being sent when,
Obtain the face video of user.
3. account-opening method as claimed in claim 2 long-range, it is characterised in that described when receiving what is be input in the application
Identifying code, and the identifying code being input into it is consistent with the identifying code for being sent when, obtain user face video the step of include：
When receiving the identifying code that is input in the application, and the identifying code being input into it is consistent with the identifying code for being sent when,
Word to be read is sent to the application, so that user reads the word to be read when the face video is recorded；
The face video that the application sends is obtained, wherein, the face video includes that user reads the word to be read
Audio frequency, and captured facial image during the word to be read is read.
4. account-opening method as claimed in claim 1 long-range, it is characterised in that the face figure in the identification face video
Picture, includes the step of be identified result：
The facial image in the face video is obtained, the facial image and the similarity prestored between facial image is calculated；
When the similarity is more than or equal to default similarity, determine that the facial image in the face video is identified as
Work(；
When the similarity is less than the default similarity, the facial image recognition failures in the face video are determined.
5. the long-range account-opening method as described in any one of Claims 1-4, it is characterised in that it is described by the recognition result and
The face video is sent to asynchronous auditing system, so that the asynchronous auditing system audits the people according to the recognition result
After the step of face video, also include：
When the face video for receiving the asynchronous auditing system feedback audits the information of failure, mistake of opening an account is sent
The reason for losing give the application, for it is described application according to it is described open an account failure the reason for prompting user open an account unsuccessfully.
6. one kind is remotely opened an account device, it is characterised in that the device of remotely opening an account includes：
Acquisition module, for meeting when the information of opening an account for getting the input in the application of mobile terminal, and the information of opening an account
When pre-conditioned, the face video of user is obtained；
Identification module, for recognizing the face video in facial image, be identified result；
Sending module, for the recognition result and the face video to be sent to asynchronous auditing system, for described asynchronous
Auditing system audits the face video according to the recognition result；
Performing module, for the information passed through when the face video examination ＆ verification for receiving the asynchronous auditing system feedback
When, account-opening is performed according to the information of opening an account.
7. remotely open an account as claimed in claim 6 device, it is characterised in that the acquisition module includes：
Transmitting element, for working as the information of opening an account being input in the application is got, and the information of opening an account meets default bar
During part, identifying code is sent into the mobile terminal, so that user is input in the application what the mobile terminal was received
Identifying code；
Acquiring unit, for when receiving the identifying code being input in the application, and the identifying code being input into and is sent
When identifying code is consistent, the face video of user is obtained.
8. remotely open an account as claimed in claim 7 device, it is characterised in that the transmitting element is additionally operable to when receiving in institute
State the identifying code being input in application, and the identifying code being input into it is consistent with the identifying code for being sent when, transmission word to be read to
The application, so that user reads the word to be read when the face video is recorded；
The acquiring unit is additionally operable to obtain the face video that the application sends, wherein, the face video includes user
Read the audio frequency of the word to be read, and captured facial image during the word to be read is read.
9. remotely open an account as claimed in claim 6 device, it is characterised in that the identification module includes：
Computing unit, for obtaining the face video in facial image, calculate the facial image and the facial image that prestores
Between similarity；
Determining unit, for when the similarity is more than or equal to default similarity, determining the people in the face video
Face image is recognized successfully；When the similarity is less than the default similarity, the facial image in the face video is determined
Recognition failures.
10. the device of remotely opening an account as described in any one of claim 6 to 9, it is characterised in that the sending module is additionally operable to work as
When the face video for receiving the asynchronous auditing system feedback audits the information of failure, the original of failure of opening an account is sent
Because give the application, for it is described application according to it is described open an account failure the reason for prompting user open an account unsuccessfully.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201611040555.4A CN106600397A (en) | 2016-11-11 | 2016-11-11 | Remote account opening method and device |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201611040555.4A CN106600397A (en) | 2016-11-11 | 2016-11-11 | Remote account opening method and device |
Publications (1)
| Publication Number | Publication Date |
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| CN106600397A true CN106600397A (en) | 2017-04-26 |
Family
ID=58591878
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201611040555.4A Pending CN106600397A (en) | 2016-11-11 | 2016-11-11 | Remote account opening method and device |
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| CN (1) | CN106600397A (en) |
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