CN107358763A - A kind of method, apparatus and system of ATM checking identity - Google Patents
A kind of method, apparatus and system of ATM checking identity Download PDFInfo
- Publication number
- CN107358763A CN107358763A CN201710601085.2A CN201710601085A CN107358763A CN 107358763 A CN107358763 A CN 107358763A CN 201710601085 A CN201710601085 A CN 201710601085A CN 107358763 A CN107358763 A CN 107358763A
- Authority
- CN
- China
- Prior art keywords
- user
- fingerprint image
- fingerprint
- authentication
- atm
- Prior art date
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Classifications
-
- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
- G07F19/20—Automatic teller machines [ATMs]
- G07F19/206—Software aspects at ATMs
-
- 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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
- G06Q20/40145—Biometric identity checks
-
- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
- G07F19/20—Automatic teller machines [ATMs]
- G07F19/203—Dispensing operations within ATMs
Abstract
The invention discloses a kind of method of ATM checking identity, contrasted by the fingerprint image for obtaining user with the fingerprint image template prestored, so as to reach the purpose to subscriber authentication, wherein fingerprint image template is to identify inquiry by the user of user's typing to obtain, without using bank card and password, reduce because bank card is lost or password is leaked to the risk for causing economic loss of user, the fingerprint of other user has uniqueness, identification is high, so fingerprint image checking reliability is high, it is and low using fingerprint authentication user identity device cost, improve the intelligent performance of ATM, the invention also discloses a kind of apparatus and system of ATM checking identity, with above-mentioned beneficial effect.
Description
Technical field
The present invention relates to ATM field, more particularly to a kind of method, apparatus of ATM checking identity
And system.
Background technology
ATM is also known as ATM, self-service withdrawal, inquiry into balance can be provided for bank-user, transferred accounts etc. from
Transaction is helped, more simple and convenient Financial Transaction Service has been provided the user, can also reduce the work of bank counter staff
Amount.
In recent years, although ATM brings great convenience for the life of people, the user bank thereby resulted in
Account Security hidden danger also gradually increases.For example, much invasion video camera steals user account password, bank card password will be stolen
Device is attached on ATM button etc., therefore can not only with unique identifier of the bank card password as user identity
Ensure the safety of user's bank account, in addition, the problem of easy to be lost be present in bank card small volume, the also bank to user
Account brings certain potential safety hazard.
The content of the invention
It is an object of the invention to provide a kind of method of ATM checking identity, solves user's bank account
The problem of password is easily revealed and bank card is easy to be lost, improves the security of user's bank account, and the present invention also offer is a kind of certainly
The apparatus and system of dynamic cash dispenser checking identity.
In order to solve the above technical problems, the method that the present invention provides a kind of ATM checking identity, this method can be with
Including：
Receive the instruction for starting to verify identity that user inputs on ATM；Obtain user fingerprint image and
User identifies；According to the fingerprint image template of the advance typing of user's identifier lookup, wherein, the fingerprint image template with
The user identifies binding；The fingerprint image of the user and the fingerprint image template are sent to cloud server
Contrasted, obtain comparing result；According to the comparing result, whether the user is judged by authentication, so as to true
It is fixed whether to allow the user to carry out self-service dealing operation.
Wherein, also include after the fingerprint image of user and user's mark is obtained：
The operation for obtaining the fingerprint image of user is repeated, until the quantity N for obtaining the fingerprint image reaches default
Quantity, wherein N are more than or equal to 2；The behaviour of the fingerprint image for contrasting the user and the fingerprint image template is performed again
Make.
Wherein, it is described to send the fingerprint image of the user and the fingerprint image template to cloud server
Contrasted, obtain comparing result, according to the comparing result, judge the user's checking identity whether by including：
The fingerprint image of the user and the fingerprint image template are sent to the cloud server；It is described
Cloud server obtains the fingerprint feature point of the fingerprint image, and is contrasted with the fingerprint feature point of the fingerprint image template,
According to the contrast of fingerprint feature point, image likelihood is determined；According to described image likelihood, judge that described image likelihood is
It is no to exceed default likelihood threshold value, if it is, the user passes through authentication.
Wherein, the cloud server obtains the fingerprint feature point of the fingerprint image, and with the fingerprint image template
Fingerprint feature point contrast, determine that image likelihood includes：
N number of fingerprint image of the user is contrasted with the fingerprint image template respectively, obtains N number of finger
The likelihood of print image；According to the average value of the likelihood of the fingerprint image, described image likelihood is determined.
Wherein, it is described to judge whether the user is included by authentication：
If it is determined that the user repeats the fingerprint image for obtaining user and user's mark not by authentication
Operation, until user's continuous N is not time by authentication, wherein, M is default typing information number；
Also include after until user's continuous N time not by authentication：
Stop obtaining the fingerprint image and user's mark of the user.
Wherein, also include after until user's continuous N time not by authentication：
The bank account of the user is locked, and sends alarm signal.
The present invention also provides a kind of device of ATM checking identity, including：
Instruction module is received, the instruction for starting to verify identity inputted for receiving user on ATM；
Fingerprint recording module, for obtaining the fingerprint image and user's mark of user；
Fingerprint Processing Module, for according to the advance typing fingerprint image template of user's identifier lookup, wherein, it is described
Fingerprint image template is identified with the user and bound；The fingerprint image of the user and the fingerprint image template are sent out
Deliver to cloud server to be contrasted, obtain comparing result；
Judge authentication module, for whether according to the comparing result, judging the user by authentication, so as to
Determine whether that the user carries out self-service dealing operation.
Wherein, the fingerprint recording module is used for after the fingerprint image of user and user's mark is obtained, and repeats to obtain
The operation of the fingerprint image of user, the quantity N until obtaining the fingerprint image reach predetermined number, and wherein N is more than or equal to 2；
The operation of the fingerprint image for contrasting the user and the fingerprint image template is performed again.
Wherein, the judgement authentication module, for if it is determined that the user repeats and obtained not by authentication
The fingerprint image of user and the operation of user's mark, until user's continuous N is not time by authentication, wherein, M is
Default typing information number；
The fingerprint recording module, for after until user's continuous N time not by authentication, stopping
Obtain the fingerprint image and user's mark of the user
The present invention also provides a kind of system of ATM checking identity, including：
Master chip, fingerprint collecting sensor and cloud server；
Wherein, the fingerprint collecting sensor is connected with the master chip, for obtaining the fingerprint image and use of user
Family identifies；
The master chip is connected with the cloud server by network, for receiving user in ATM
The instruction of the checking identity of input, the fingerprint image and the user are identified and sent to the cloud server；
The cloud server is used for the fingerprint image template according to the advance typing of user's identifier lookup, wherein, institute
State fingerprint image template and identify binding with the user；By the fingerprint image of the user and the fingerprint image template
Contrasted, obtain comparing result；According to the comparing result, whether the user is judged by authentication, to determine
The user whether is allowed to carry out self-service dealing operation.
A kind of method of ATM checking identity provided by the present invention, it is advance by user identifier lookup user
Typing as the fingerprint image template for judging user fingerprint image correctness foundation, the typing on ATM by user
Fingerprint image and fingerprint image template are contrasted by cloud server, reduce the dependence to home server hardware, increase
Flexibility is added, according to comparing result, has judged whether the user is validated user corresponding to user's mark, due to each user
Fingerprint there is uniqueness, so the resolution of user fingerprint image is high, and bank's account is performed relative to bank card and password
The withdrawal operation at family, deposits the risk that card is lost and password is stolen in the bank, and the present invention uses fingerprint authentication user identity more
For safety, and fingerprint authentication also has the characteristics of being not easy to imitate and replicating, and further ensures the safety of the bank account of user
Property, the risk for causing the economic loss of user is reduced to a certain extent, and fingerprint image checking reliability is high in addition, cost
It is low, improve the intelligent performance of ATM.
The present invention also provides a kind of apparatus and system of ATM checking identity, has above-mentioned beneficial effect.
Brief description of the drawings
, below will be to embodiment or existing for the clearer explanation embodiment of the present invention or the technical scheme of prior art
There is the required accompanying drawing used in technology description to be briefly described, it should be apparent that, drawings in the following description are only this
Some embodiments of invention, for those of ordinary skill in the art, on the premise of not paying creative work, may be used also
To obtain other accompanying drawings according to these accompanying drawings.
Fig. 1 is a kind of flow chart for embodiment that ATM provided by the invention verifies identity；
Fig. 2 is the flow chart of the another specific embodiment of ATM authentication provided by the invention；
Fig. 3 is the structured flowchart of the device of ATM checking identity provided in an embodiment of the present invention.
Embodiment
During current use ATM, provide the user before self-service dealing services, it is necessary to which client is first
Insertion bank card inputs password as a kind of verification mode to user identity legitimacy again, but this verifies identity mode
Easily there is the situation of password leakage or bank card loss, the bank account to user brings unsafe hidden danger.
Current various identification technologies are various, and higher with respect to resolution is biological identification technology, such as iris recognition skill
Contact, antihygienic problem be present in art, the technology, although and sound groove recognition technology in e also has certain identification function,
But there is the characteristics of easy imitation, transreplication.
The present invention is applied to the authentication of ATM using fingerprint identification technology, to a certain extent can
Enough solve the problems, such as that bank card and password are easy to be lost, and everyone fingerprint with uniqueness with very high identification, also not
Exist unhygienic and the problems such as easily imitate.
In order that those skilled in the art more fully understand the present invention program, below in conjunction with the accompanying drawings and specific embodiment party
The present invention is described in further detail for formula.Obviously, described embodiment is only part of the embodiment of the present invention, and
The embodiment being not all of.Based on the embodiment in the present invention, those of ordinary skill in the art are not making creative work
Under the premise of the every other embodiment that is obtained, belong to the scope of protection of the invention.
A kind of flow chart of embodiment of ATM checking identity provided by the invention was as shown in figure 1, should
Method can include：
Step S101：Receive the instruction for starting to verify identity that user inputs on ATM.
Step S102：Obtain the fingerprint image and user's mark of user.
In the present invention, the self-service dealing carried out on ATM is included in what is be able to carry out on ATM
Various finance self-help transaction.It is directly defeated by user without using bank card before carrying out self-service dealing on ATM
Enter to start to verify identity instruction, then input fingerprint and user's mark to start authentication, wherein starting to verify the finger of identity
Order can be one start button of setting on automatic drawing machine equipment, and user presses the i.e. transmittable instruction of button, can also
It is that user directly inputs fingerprint, you can the instruction for starting authentication is automatically generated, the mode for also having other instruction generations,
This is not enumerated.
In addition, user's mark can set one with only when user establishes account similar to the mode of setting code
User's mark of one mark action or bank identify according to the numbering that certain rule is user's distribution as user,
Both users mark can realize technical scheme, but the former sets up cumbersome, and user is excessive
Words, it is difficult to find unduplicated mark, and both exist to compare and be difficult to remember, the problem of user easily forgets, so one
Kind more preferably identifies the identification card number of user as user, and identification card number is substantially not present the situation of repetition,
And user is more using the occasion of identification card number, most of user can remember the identification card number of oneself, more there is most users
It is that custom carries with identity card, this is all brought conveniently for user using user's mark.
In practical application scene, it is contemplated that even user is carried out on ATM without using fingerprint at present
The application of authentication, in order to avoid user is due to being unfamiliar with flow, influence the efficiency of user's checking identity, and to user with
Carry out bad service experience, voice message can be combined with simultaneously in user's operating process, for example, user's input starts to test
After demonstrate,proving identity instruction, meeting voice message user " asks typing fingerprint and identification card number ", after the completion of user's typing information, according to record
Whether enter information informs user's checking identity by the way that and how this operates etc. in next step.Certainly, this is simply of the invention
One kind relatively preferred embodiment, it is not the essential features of the present invention.
Step S103：According to the fingerprint image template of the advance typing of user's identifier lookup, wherein, the fingerprint image
Bound as template identifies with the user.
User is identified and fingerprint image template typing and is mutually bound all when user establishes bank account, certainly
Not necessarily when user establishes bank account just must typing fingerprint image and user mark, but at least using should
What ATM was completed before carrying out self-service dealing with regard to typing.
Step S104：The fingerprint image of the user and the fingerprint image template are sent to cloud server
Contrasted, obtain comparing result.
Contrast for fingerprint image and fingerprint image template can send to cloud server or other cloud platforms
Row is operated or operated on home server, can realize technical scheme, but beyond the clouds
Operation can reduce the dependence to home server hardware on server, add flexibility.So it is than more preferably scheme
The operation is carried out on server beyond the clouds.
Step S105：According to the comparing result, whether the user is judged by authentication, to determine whether
The user is allowed to carry out self-service dealing operation.
Based on above-described embodiment, it is contemplated that user, may be due to angle, the humidity etc. of finger in typing fingerprint
The influence of factor, cause the fingerprint of typing inaccurate, can allow the more typings of user fingerprint several times, the fingerprint of multiple typing is comprehensive
Conjunction judges whether the subscriber authentication passes through.
In another specific embodiment provided by the invention, it can include：
After the fingerprint image of user and user's mark is obtained, the operation for obtaining the fingerprint image of user is repeated,
Quantity N until obtaining the fingerprint image reaches predetermined number, and wherein N is more than or equal to 2；Perform the contrast user's again
The operation of the fingerprint image and the fingerprint image template.
Specifically, requiring that the times N of user's typing fingerprint is pre-set, the N bigger authentication to user of value also can
It is enough more accurate, but can also increase the complexity to fingerprint image analysis in verification process, reduce the effect of verification process
Rate, suitable N size specifically how is set, by largely testing or data survey user can be confirmed typically defeated
When entering fingerprint image several times, an accurate comparing result can be obtained.
, can be to the finger by the user in another embodiment provided by the invention based on above-described embodiment
Print image and the fingerprint image template send to cloud server and contrasted, and obtain comparing result, are tied according to the contrast
Fruit, judge that the user's checking identity whether by further improving, can specifically include：
The fingerprint image of the user and the fingerprint image template are sent to the cloud server；
The cloud server obtains the fingerprint feature point of the fingerprint image, and with the finger of the fingerprint image template
Line characteristic point contrasts, and according to the contrast of fingerprint feature point, determines image likelihood；
According to described image likelihood, judge whether described image likelihood exceedes default likelihood threshold value, if it is,
Then the user passes through authentication.
Specifically, it is theoretical according to topological structure, can be to referring to before to fingerprint image and the contrast of fingerprint image template
Print image is corrected in terms of set and gray scale two, according to gradient fields segmentation figure as, equilibrium, it is smooth, strengthen, binaryzation
Operation, realizes the purpose pre-processed to image, in image comparison, to obtain apparent contrast fingerprint image
Picture.
In addition, the fingerprint feature point of fingerprint image can have fingerprint crunode, end points, central point, triangulation point and except puppet refers to
Line characteristic point, can also also include other fingerprint feature points, can be to fingerprint image after the fingerprint feature point for obtaining fingerprint image
The fingerprint feature point of picture is handled, and obtains eigenmatrix, and eigenmatrix and the eigenmatrix of fingerprint image template are carried out pair
Than so as to obtain image likelihood.
Above-mentioned processing to fingerprint image and the processing that eigenmatrix is done to fingerprint feature point are a kind of tools of the present invention
The embodiment of body, the image procossing carried out by other means and fingerprint characteristic processing can also realize the technology of the present invention
Scheme.
If image likelihood is more than likelihood threshold value set in advance, then it is user's mark of input to illustrate the user
The validated user of bank account corresponding to knowledge, then the user can further perform self-service dealing service.
Based on above-described embodiment, because user's N number of fingerprint image of typing when verifying identity, then N number of fingerprint image
Just there are a variety of way of contrast with fingerprint image template, in another specific embodiment provided by the invention, can include：
N number of fingerprint image of the user is contrasted with the fingerprint image template respectively, obtains N number of finger
The likelihood of print image；
According to the average value of the likelihood of the fingerprint image, described image likelihood is determined.
It should be noted that the mode of this fingerprint image contrast is not to realize unique embodiment of the present invention,
Can also be N number of fingerprint image integrated treatment, the more clear accurate fingerprint image of synthesis one, then with fingerprint image mould
Plate is contrasted, and can also realize technical scheme, and similar embodiment, is not repeated one by one herein with this.
Based on above-mentioned any embodiment, it is contemplated that user there may be input fingerprint or use in authentication process itself
The situation of family mark mistake, so in the another specific embodiment of the present invention, can include：
If it is determined that the user repeats the fingerprint image for obtaining user and user's mark not by authentication
Operation, until user's continuous N is not time by authentication, wherein, M is default typing information number；
After until user's continuous N time not by authentication, stop obtaining the fingerprint image of the user
Identified with user.
It should be noted that the default typing number pre-set can be according to setting be actually needed, can also be by big
Data survey obtains a suitable M value, specifically, more commonly used is to set M equal to 5, but this be not it is of the invention must
Want technical characteristic.
Described user's continuous N time does not refer to the same use within the regular hour by authentication in the present invention
Family carries out authentication to same Bank Account Number and not passed through.
In addition, in order to improve the efficiency that user inputs information, can be on the screen of ATM or voice carries
Show, inform that user has inputted the number of information, and can also allow for inputting the number of information, reach and remind user careful
Input information, after avoiding user from making repeated attempts, the problem of can not finally verifying identity.
Based on above-described embodiment, in another specific embodiment provided by the invention, can include：
After until user's continuous N time not by authentication, the bank account of the user is locked, and
Send alarm signal.
When user's continuous N time does not pass through authentication, it can suspect that the user belongs to illegal user, be
Ensure the economic asset safety of validated user, the bank account of the validated user can be freezed, at the same to related news and
Alarm signal is sent at monitoring personnel.
Based on above-described embodiment, the invention provides the flow of the another specific embodiment of ATM authentication
Figure is as shown in Fig. 2 this method can include：
Step S201：User presses the start button of ATM checking identity.
Step S202：Voice message user's typing user identifies.
Step S203：Voice message user's typing fingerprint image.
Specifically, step S202 and step S203 order can exchange.
Step S204：Judge whether user's typing fingerprint image number reaches n times, if into step S205, if
It is no, into step S203.
Step S205：User images and user's mark are obtained, and according to user's identifier lookup user images template.
Step S206：Fingerprint image and fingerprint image template are uploaded to cloud server.
Step S207：Cloud server determines fingerprint image and the image similarity of fingerprint image template.
Step S208：Judge whether similarity is more than default similarity threshold, if it is, into step S209, if
It is no, into step S210.
Step S209：Subscriber authentication is by the way that user can carry out self-service dealing operation.
Step S210：Judging user, whether continuous N time is not by authentication, if it is, into step S211, if
It is no, into step S202.
Step S211：Subscriber authentication is not by locking the bank account of the user, and send alarm signal.
The device for verifying identity to ATM provided in an embodiment of the present invention below is introduced, described below
The method of the device of ATM checking identity and above-described ATM checking identity can be mutually to should refer to.
Fig. 3 is the structured flowchart for the device that ATM provided in an embodiment of the present invention verifies identity, and reference picture 3 is certainly
The device of dynamic cash dispenser checking identity can include：
Instruction module 100 is received, the instruction for starting to verify identity inputted for receiving user on ATM；
Fingerprint recording module 200, for obtaining the fingerprint image and user's mark of user；
Fingerprint Processing Module 300, for according to the advance typing fingerprint image template of user's identifier lookup, wherein, institute
State fingerprint image template and identify binding with the user；By the fingerprint image of the user and the fingerprint image template
Send to cloud server and contrasted, obtain comparing result；
Judge authentication module 400, for whether according to the comparing result, judging the user by authentication, with
Just determine whether that the user carries out self-service dealing operation
As a kind of embodiment, the device of ATM checking identity provided by the present invention can also enter
One step includes：
The fingerprint recording module is used for after the fingerprint image of user and user's mark is obtained, and repeats to obtain user
Fingerprint image operation, the quantity N until obtaining the fingerprint image reaches predetermined number, and wherein N is more than or equal to 2；Hold again
Row contrasts the fingerprint image of the user and the operation of the fingerprint image template.
As a kind of embodiment, the device of ATM checking identity provided by the present invention can also enter
One step includes：
The judgement authentication module, for if it is determined that the user repeats not by authentication and obtains user
Fingerprint image and user's mark operation, until user's continuous N is not time by authentication, wherein, M is default record
Enter information number；
The fingerprint recording module, for after until user's continuous N time not by authentication, stopping obtaining
Take the fingerprint image and user's mark of the user.
The device of the ATM checking identity of the present embodiment is used to realize foregoing ATM checking identity
Method, therefore the visible ATM checking hereinbefore of embodiment in the device of ATM checking identity
The embodiment part of the method for identity, for example, instruction module 100 is received, for realizing above-mentioned ATM checking identity side
Step S101 in method, fingerprint recording module 200 are used to realize above-mentioned steps S102, and Fingerprint Processing Module 300 is used to realize
Step S103 and step S104 are stated, judges that authentication module 400 is used to realize above-mentioned steps S105, so, its embodiment
The description of corresponding various pieces embodiment is referred to, will not be repeated here.
In addition, present invention also offers a kind of system of ATM checking identity, can include：
Master chip, fingerprint collecting sensor and cloud server；
Wherein, the fingerprint collecting sensor is connected with the master chip, for obtaining the fingerprint image and use of user
Family identifies；
The master chip is connected with the cloud server by network, for receiving user in ATM
The instruction of the checking identity of input, the fingerprint image and the user are identified and sent to the cloud server；
The cloud server is used for the fingerprint image template according to the advance typing of user's identifier lookup, wherein, institute
State fingerprint image template and identify binding with the user；By the fingerprint image of the user and the fingerprint image template
Contrasted, obtain comparing result；According to the comparing result, whether the user is judged by authentication, to determine
The user whether is allowed to carry out self-service dealing operation.
Each embodiment is described by the way of progressive in this specification, what each embodiment stressed be and its
The difference of its embodiment, between each embodiment same or similar part mutually referring to.For disclosed in embodiment
For device, because it is corresponded to the method disclosed in Example, so description is fairly simple, related part is referring to method
Part illustrates.
Professional further appreciates that, with reference to the list of each example of the embodiments described herein description
Member and algorithm steps, it can be realized with electronic hardware, computer software or the combination of the two, it is hard in order to clearly demonstrate
The interchangeability of part and software, the composition and step of each example are generally described according to function in the above description.
These functions are performed with hardware or software mode actually, application-specific and design constraint bar depending on technical scheme
Part.Professional and technical personnel can realize described function using distinct methods to each specific application, but this
Realize it is not considered that beyond the scope of this invention.
Hardware, processor can be directly used with reference to the step of method or algorithm that the embodiments described herein describes
The software module of execution, or the two combination are implemented.Software module can be placed in random access memory (RAM), internal memory, only
Read memory (ROM), electrically programmable ROM, electrically erasable ROM, register, hard disk, moveable magnetic disc, CD-ROM,
Or in any other form of storage medium well known in technical field.
ATM provided by the present invention checking identity process apparatus and system is described in detail above.
Specific case used herein is set forth to the principle and embodiment of the present invention, and the explanation of above example is
It is used to help understand the method and its core concept of the present invention.It should be pointed out that come for those skilled in the art
Say, under the premise without departing from the principles of the invention, some improvement and modification can also be carried out to the present invention, these improve and repaiied
Decorations are also fallen into the protection domain of the claims in the present invention.
Claims (10)
- A kind of 1. method of ATM checking identity, it is characterised in that including：Receive the instruction for the checking identity that user inputs on ATM；Obtain the fingerprint image and user's mark of user；According to the fingerprint image template of the advance typing of user's identifier lookup, wherein, the fingerprint image template and the use Family mark binding；The fingerprint image of the user and the fingerprint image template are sent to cloud server and contrasted, acquisition pair Compare result；According to the comparing result, whether the user is judged by authentication, to determine whether that the user enters Row self-service dealing operates.
- 2. according to the method for claim 1, it is characterised in that after the fingerprint image of user and user's mark is obtained also Including：The operation for obtaining the fingerprint image of user is repeated, until the quantity N for obtaining the fingerprint image reaches predetermined number, Wherein N is more than or equal to 2；The behaviour contrasted to the fingerprint image of the user and the fingerprint image template is performed again Make.
- 3. according to the method for claim 2, it is characterised in that described by the fingerprint image of the user and the finger Print image template, which is sent to cloud server, to be contrasted, and obtains comparing result；According to the comparing result, the user is judged Verify identity whether by including：The fingerprint image of the user and the fingerprint image template are sent to the cloud server；The cloud server obtains the fingerprint feature point of the fingerprint image, and with the fingerprint characteristic of the fingerprint image template Point contrast, according to the contrast of fingerprint feature point, determines image likelihood；According to described image likelihood, judge whether described image likelihood exceedes default likelihood threshold value, if it is, described User passes through authentication.
- 4. according to the method for claim 3, it is characterised in that the cloud server obtains the fingerprint of the fingerprint image Characteristic point, and contrasted with the fingerprint feature point of the fingerprint image template, according to the contrast of fingerprint feature point, determine that image is similar Rate includes：N number of fingerprint image of the user is contrasted with the fingerprint image template respectively, obtains N number of fingerprint image Likelihood；According to the average value of the likelihood of the fingerprint image, described image likelihood is determined.
- 5. according to the method described in any one of Claims 1-4, it is characterised in that described to judge whether the user passes through body Part checking includes：If it is determined that the user repeats the fingerprint image of acquisition user and the behaviour of user's mark not by authentication Make, until user's continuous N is not time by authentication, wherein, M is default typing information number；Also include after until user's continuous N time not by authentication：Stop obtaining the fingerprint image and user's mark of the user.
- 6. according to the method for claim 5, it is characterised in that after user's continuous N time is not by authentication Also include：The bank account of the user is locked, and sends alarm signal.
- A kind of 7. device of ATM checking identity, it is characterised in that including：Receive instruction module, the instruction of the checking identity inputted for receiving user on ATM；Fingerprint recording module, for obtaining the fingerprint image and user's mark of user；Fingerprint Processing Module, for according to the advance typing fingerprint image template of user's identifier lookup, wherein, the fingerprint image Bound as template identifies with the user；The fingerprint image of the user and the fingerprint image template are sent to high in the clouds Server is contrasted, and obtains comparing result；Authentication module is judged, for according to the comparing result, whether the user being judged by authentication, to determine to be It is no to allow the user to carry out self-service dealing operation.
- 8. device according to claim 7, it is characterised in that the fingerprint recording module is used to obtain the fingerprint of user After image and user's mark, repeat to obtain the operation of the fingerprint image of user, until the quantity N for obtaining the fingerprint image reaches To predetermined number, wherein N is more than or equal to 2；Perform again and the fingerprint image of the user and the fingerprint image template are entered The operation of row contrast.
- 9. the device according to claim 6 or 7, it is characterised in that the judgement authentication module is specifically used for：If it is determined that The user by authentication, does not repeat the operation of the fingerprint image for obtaining user and user's mark, until the use Family continuous N is secondary not by authentication, wherein, M is default typing information number；The fingerprint recording module, for after until user's continuous N time not by authentication, stopping obtaining institute State the fingerprint image and user's mark of user.
- A kind of 10. system of ATM checking identity, it is characterised in that including：Master chip, fingerprint collecting sensor and cloud Hold server；Wherein, the fingerprint collecting sensor is connected with the master chip, for obtaining the fingerprint image and user's mark of user Know；The master chip is connected with the cloud server by network, is inputted on ATM for receiving user The instruction of identity is verified, the fingerprint image and the user are identified and sent to the cloud server；The cloud server is used for the fingerprint image template according to the advance typing of user's identifier lookup, wherein, the finger Print image template is identified with the user and bound；The fingerprint image of the user and the fingerprint image template are carried out pair Than obtaining comparing result；According to the comparing result, whether the user is judged by authentication, to determine whether to permit Perhaps described user carries out self-service dealing operation.
Priority Applications (1)
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| CN108171900A (en) * | 2017-12-29 | 2018-06-15 | 潘永森 | A kind of ATM cash withdrawal system |
| CN110942566A (en) * | 2019-11-27 | 2020-03-31 | 中国银行股份有限公司 | Identity authentication method and related equipment |
| CN111640264A (en) * | 2020-06-11 | 2020-09-08 | 中国银行股份有限公司 | Automatic teller machine and method for card withdrawal |
| US10943003B2 (en) | 2018-10-16 | 2021-03-09 | International Business Machines Corporation | Consented authentication |
| US10944565B2 (en) | 2018-10-16 | 2021-03-09 | International Business Machines Corporation | Consented authentication |
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