CN108280642A - Debit card Activiation method, equipment, system and computer readable storage medium - Google Patents

Debit card Activiation method, equipment, system and computer readable storage medium Download PDF

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Publication number
CN108280642A
CN108280642A CN201810070971.1A CN201810070971A CN108280642A CN 108280642 A CN108280642 A CN 108280642A CN 201810070971 A CN201810070971 A CN 201810070971A CN 108280642 A CN108280642 A CN 108280642A
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CN
China
Prior art keywords
debit card
client
long
teller machine
automatic teller
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Pending
Application number
CN201810070971.1A
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Chinese (zh)
Inventor
李永平
高凌云
牛华
李长缤
凌永辉
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Ping An Technology Shenzhen Co Ltd
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Ping An Technology Shenzhen Co Ltd
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Priority to CN201810070971.1A priority Critical patent/CN108280642A/en
Publication of CN108280642A publication Critical patent/CN108280642A/en
Pending legal-status Critical Current

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    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/22Payment schemes or models
    • G06Q20/26Debit schemes, e.g. "pay now"
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/18Payment architectures involving self- service terminals [SSTs], vending machines, kiosks or multimedia terminals
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/354Card activation or deactivation
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02Banking, e.g. interest calculation, credit approval, mortgages, home banking or on-line banking
    • GPHYSICS
    • G07CHECKING-DEVICES
    • G07FCOIN-FREED OR LIKE APPARATUS
    • G07F17/00Coin-freed apparatus for hiring articles; Coin-freed facilities or services
    • G07F17/26Coin-freed apparatus for hiring articles; Coin-freed facilities or services for printing, stamping, franking, typing or teleprinting apparatus
    • GPHYSICS
    • G07CHECKING-DEVICES
    • G07FCOIN-FREED OR LIKE APPARATUS
    • G07F9/00Details other than those peculiar to special kinds or types of apparatus
    • G07F9/02Devices for alarm or indication, e.g. when empty; Advertising arrangements in coin-freed apparatus
    • G07F9/023Arrangements for display, data presentation or advertising

Abstract

The invention discloses a kind of debit card Activiation method, equipment, system and computer readable storage mediums.The debit card activation instruction that long-distance video automatic teller machine of the present invention is inputted in response to client sends business handling instruction to server;Server is instructed in response to business handling, distributes a target teller being in idle condition for it, and business handling instruction is sent to the corresponding terminal device of target teller;Terminal device instructs according to business handling and generates debit card information checking request, and sends this request to long-distance video automatic teller machine;Long-distance video automatic teller machine shows debit card information input prompt, and receives the debit card information of client's input, when being verified to debit card information, shows that the debit card of client is opened an account information;Receive client based on debit card open an account information input confirmation instruction when, displaying Password Input prompt, and receive client input current password when, according to current password carry out debit card activation, improve client business handling experience.

Description

Debit card Activiation method, equipment, system and computer readable storage medium
Technical field
The present invention relates to Internet technical field more particularly to a kind of debit card Activiation method, equipment, system and computers Readable storage medium storing program for executing.
Background technology
Currently, client is handled by artificial sales counter mostly at handling bank business (for example, debit card activation), when When client has found that the waiting number for being lined up transacting business is more or the stand-by period is longer, tends to selection and abandon or arrive other silver Row is handled, and is on the one hand caused the loss of potential customers, is on the other hand also increased the workload and traffic pressure of teller.And In fact, most of bank outlets are designed with, long-distance video automatic teller machine (Virtual Teller Machine, VTM) is this to be passed through Long-distance video mode handles the electromechanical integration equipment of some counter services, therefore, how to make full use of showing for bank outlets There are VTM machines to alleviate the pressure in artificial cabinet face, is a urgent problem to be solved.
The above is only used to facilitate the understanding of the technical scheme, and is not represented and is recognized that the above is existing skill Art.
Invention content
The main purpose of the present invention is to provide debit card Activiation method, equipment, system and computer-readable storage mediums Matter, it is intended to which the business handling pressure for reducing bank outlets staff makes full use of the device resource of bank outlets, improves client Business handling experience when carrying out debit card activation.
To achieve the above object, it the present invention provides a kind of debit card Activiation method, the described method comprises the following steps:
The debit card activation instruction that long-distance video automatic teller machine is inputted in response to client sends business handling to server and refers to It enables;
The server is instructed in response to the business handling, and idle shape is in for long-distance video automatic teller machine distribution one The target teller of state, and business handling instruction is sent to the corresponding terminal device of the target teller;
The terminal device instructs according to the business handling and generates debit card information checking request, and the debit card is believed Breath checking request is sent to the long-distance video automatic teller machine;
The long-distance video automatic teller machine is carried in response to the debit card information checking request, displaying debit card information input Show, and receives the debit card information of client's input;
The long-distance video automatic teller machine verifies the debit card information, when being verified, shows the client Debit card open an account information;
The long-distance video automatic teller machine in response to the client based on the debit card open an account information input confirmation instruct, Show Password Input prompt, and when receiving the current password of client's input, carrying out debit card according to the current password swashs It is living.
Preferably, the long-distance video automatic teller machine opens an account information input really in response to the client based on the debit card Recognize instruction, displaying Password Input prompt, and when receiving the current password of client's input, is borrowed according to the current password Note card activation, specifically includes:
The long-distance video automatic teller machine in response to the client based on the debit card open an account information input confirmation instruct, And target mobile phones number is determined according to debit card information of opening an account;
The long-distance video automatic teller machine generates dynamic verification code corresponding with the target mobile phones number according to preset algorithm, And the dynamic verification code is sent to the mobile terminal of the client;
The long-distance video automatic teller machine receives the current dynamic verification code of client's input, to the current dynamic verification code into Row verification, when being verified, displaying Password Input prompt;
The long-distance video automatic teller machine is borrowed when receiving the current password of client's input according to the current password Note card activation.
Preferably, the long-distance video automatic teller machine receives the current dynamic verification code of client's input, to the current dynamic Identifying code is verified, and when being verified, displaying Password Input prompt specifically includes:
The long-distance video automatic teller machine receives the current dynamic verification code of client's input, to the current dynamic verification code into Row verification, when being verified, displaying customer information acquisition prompt;
The long-distance video automatic teller machine preserves collected customer information, and shows that Password Input prompts.
Preferably, the customer information includes image information and finger print information;
The long-distance video automatic teller machine preserves collected customer information, and shows that Password Input prompts, specifically Including:
The long-distance video automatic teller machine acquires the current image information of the client by camera, and from the debit card The corresponding client's photo of the client is extracted in information of opening an account;
The long-distance video automatic teller machine matches the current image information according to client's photo, matching at When work(, the current image information is preserved, and shows that fingerprint typing prompts;
The long-distance video automatic teller machine acquisition pressing is in the corresponding finger print information of finger for presetting pickup area, according to described Finger print information generates fingerprint picture, is preserved to the fingerprint picture, and shows that Password Input prompts.
Preferably, the long-distance video automatic teller machine matches the current image information according to client's photo, In successful match, the current image information is preserved, and shows that fingerprint typing prompts, is specifically included:
The long-distance video automatic teller machine determines the face mask line of the current image information and client's photo, according to The face mask line extracts the second face in the first facial image and client's photo in the current image information respectively Image;
The long-distance video automatic teller machine is adjusted first facial image and the second facial image, so that described The size of one facial image and the second facial image is identical;
The long-distance video automatic teller machine carries out feature point extraction respectively to first facial image and the second facial image, And match the characteristic point of extraction, in successful match, the current image information is preserved, and show that fingerprint typing carries Show.
Preferably, the long-distance video automatic teller machine acquisition presses the corresponding finger print information of finger in default pickup area, Fingerprint picture is generated according to the finger print information, the fingerprint picture is preserved, and shows that Password Input prompts, it is specific to wrap It includes:
The long-distance video automatic teller machine acquisition pressing is in the corresponding finger print information of finger for presetting pickup area, according to described Finger print information generates corresponding fingerprint picture;
The long-distance video automatic teller machine takes the fingerprint feature from the fingerprint picture, and detects the fingerprint characteristic in institute State whether the accounting in fingerprint picture is more than default accounting;
The long-distance video automatic teller machine is detecting that accounting of the fingerprint characteristic in the fingerprint picture is more than default When accounting, the fingerprint picture is preserved, and shows that Password Input prompts.
Preferably, the method further includes:
The long-distance video automatic teller machine receives the interface shared instruction of client's input, and it is total to send interface to the terminal device Enjoy request;
The terminal device is in response to the interface sharing request, to the current display interface of the long-distance video automatic teller machine It carries out teleengineering support and shows.
In addition, to achieve the above object, the present invention also proposes a kind of debit card activation system, the system comprises:Remotely Video automatic teller machine, server and terminal device;
Wherein, the long-distance video automatic teller machine, the debit card activation instruction for being inputted in response to client are sent out to server Business handling is sent to instruct;
The server is in for being instructed in response to the business handling for long-distance video automatic teller machine distribution one The target teller of idle state, and business handling instruction is sent to the corresponding terminal device of the target teller;
The terminal device generates debit card information checking request for being instructed according to the business handling, is borrowed by described in Note card information checking request is sent to the long-distance video automatic teller machine;
The long-distance video automatic teller machine is additionally operable to, in response to the debit card information checking request, show debit card information Input prompt, and receive the debit card information of client's input;
The long-distance video automatic teller machine is additionally operable to verify the debit card information, when being verified, displaying visitor The debit card at family is opened an account information;
The long-distance video automatic teller machine is additionally operable to open an account information input really based on the debit card in response to the client Recognize instruction, displaying Password Input prompt, and when receiving the current password of client's input, is borrowed according to the current password Note card activation.
In addition, to achieve the above object, the present invention also proposes that a kind of debit card activation equipment, the equipment include storage The debit card activation program that device, processor and being stored in can be run on the memory and on the processor, the debit The step of card activation program is arranged for carrying out debit card Activiation method as described above.
In addition, to achieve the above object, the present invention also proposes a kind of computer readable storage medium, described computer-readable Debit card activation program is stored on storage medium, the debit card activation program is realized as described above when being executed by processor Debit card Activiation method the step of.
The present invention is realized by long-distance video automatic teller machine when client needs to carry out debit card activation, can reduce silver The business handling pressure of row site staff, makes full use of the device resource of bank outlets, avoids client's stand-by period mistake It is long, improve business handling experience of the client when carrying out debit card activation.
Description of the drawings
Fig. 1 is the flow diagram of debit card Activiation method first embodiment of the present invention;
Fig. 2 is the flow diagram of debit card Activiation method second embodiment of the present invention;
Fig. 3 is the flow diagram of debit card Activiation method 3rd embodiment of the present invention;
Fig. 4 is the structure diagram of debit card activation system first embodiment of the present invention.
The embodiments will be further described with reference to the accompanying drawings for the realization, the function and the advantages of the object of the present invention.
Specific implementation mode
It should be appreciated that described herein, specific examples are only used to explain the present invention, is not intended to limit the present invention.
Referring to Fig.1, Fig. 1 is the flow diagram of debit card Activiation method first embodiment of the present invention.
As shown in Figure 1, in the present embodiment, the described method comprises the following steps:
Step S10:The debit card activation instruction that long-distance video automatic teller machine is inputted in response to client sends business to server Handle instruction;
It should be noted that in the present embodiment, the long-distance video automatic teller machine can be one kind by long-distance video mode The electromechanical integration equipment of some counter services is handled, is applied in financial systems such as bank, little Dai companies more.The server Can be connect with long-distance video automatic teller machine (hereinafter referred to as VTM) and carry out the network server of data information interaction.
In the concrete realization, difference can be generally arranged in the display interface of VTM by carrying out business triggering for ease of client The trigger button of business can pass through touch screen when client needs to handle phone number change business in the display interface of VTM Clicking debit card activates corresponding trigger button, the debit card activation instruction that VTM is inputted in response to client to send industry to server Instruction is handled in business.
Step S20:The server is instructed in response to the business handling, at long-distance video automatic teller machine distribution one It is sent to the corresponding terminal device of the target teller in the target teller of idle state, and by business handling instruction;
It will be appreciated that the server receive VTM transmission business handling instruction after, in response to the business handling Instruction, and a target teller being in idle condition is distributed for the VTM, handle related service for the client of currently used VTM. In the present embodiment, the target teller can be in the teller being in idle condition from current time randomly choose a teller into Row distribution;The user satisfaction for the teller that can also be in idle condition by acquisition;Then sequence from high to low is pressed to institute It states user satisfaction to be ranked up, further according to the teller (the i.e. described target teller) that ranking results determine, and by the target cabinet Member distributes to VTM;Certainly it can also be that other teller's methods of salary distribution, the present embodiment do not limit this.
In the concrete realization, after determining target teller, business handling instruction is sent to the mesh by the server Mark the corresponding terminal device of teller.
Step S30:The terminal device instructs according to the business handling and generates debit card information checking request, will be described Debit card information checking request is sent to the long-distance video automatic teller machine;
It should be noted that the terminal device can be bank cashier or the operating platform for progress business handling of attending a banquet, Such as PC, laptop etc., the present embodiment does not limit this.
Further, in order to improve the working efficiency of teller, the corresponding terminal device of target teller is receiving business After instructing (for example, debit card activation instruction), the business interface of debit card activation can be entered according to business handling instruction, and Without entering back into the business interface after inquiring client.After the terminal device enters business interface, the target teller Debit card information checking request is generated by clicking debit card information verification option on the terminal device, and by the debit Card information checking request is sent to VTM.
Step S40:The long-distance video automatic teller machine shows debit card information in response to the debit card information checking request Input prompt, and receive the debit card information of client's input;
It will be appreciated that in order to obtain debit card information, VTM is when receiving the debit card information checking request, meeting The input of debit card information is carried out in display interface prompt client, the debit card information may include debit card card number to be activated With debit card initial password (being set by banking system when client applies for card) to be activated.
In this step, the debit card information input prompt can be that preset class is shown on VTM display interfaces It is similar to the prompt of the types such as " bank card please be inserted into ", " initial password please be input ", and specific prompting mode can pass through text The prompting mode that word, chart, voice or three arbitrarily combine, the present embodiment are not restricted this.
Step S50:The long-distance video automatic teller machine verifies the debit card information, when being verified, displaying The debit card of the client is opened an account information;
It will be appreciated that VTM verifies the debit card information in the debit card information for getting client's input When, it can be verified locally;The information of typing can also be sent to the server, be verified by the server And feedback validation result is to VTM.Debit card information of opening an account can be client when bank outlets carry out debit card and open an account, record Enter the bank account information into banking system, such as:Name, card number, reserved phone number etc..
Step S60:The long-distance video automatic teller machine is opened an account information input in response to the client based on the debit card Confirm instruction, displaying Password Input prompt, and when receiving the current password of client's input, is carried out according to the current password Debit card activates.
After VTM is shown the information of opening an account of debit card to be activated on display interface, client can open an account to this Information into verification, confirm it is errorless after can input validation instruction, VTM is defeated based on debit card information of opening an account in response to the client The confirmation instruction entered, and show that Password Input prompts, when VTM receives the current password of client's input, according to described current Password is replaced the preset initial password of banking system, to realize that debit card activates.
The present embodiment is realized by long-distance video automatic teller machine, can be reduced when client needs to carry out debit card activation The business handling pressure of bank outlets staff, makes full use of the device resource of bank outlets, avoids client's stand-by period It is long, while ensureing customer information safety, improve business handling experience of the client when carrying out debit card activation.
With reference to figure 2, Fig. 2 is the flow diagram of debit card Activiation method second embodiment of the present invention.
In the debit card Activiation method proposed based on above-mentioned first embodiment, the present embodiment, the customer information may include: Identity information and bank card information;Correspondingly, the step S60 may particularly include:
Step S601:The long-distance video automatic teller machine is opened an account information input in response to the client based on the debit card Confirm instruction, and target mobile phones number is determined according to debit card information of opening an account;
It will be appreciated that now with the universal of the intelligent terminals such as mobile phone, tablet, the high speed development of Internet technology, visitor Family generally requires to reserve a phone number, be understood in debit card at any time with facilitating when bank outlets handle debit card and open an account Movement of capital, ensure property safety, therefore, in this step, the case where other people act on behalf in order to prevent, VTM is being received After the confirmation instruction inputted to client, phone number (the i.e. described mesh of client reservation can be extracted from the information of opening an account of client Mark phone number)
Step S602:The long-distance video automatic teller machine generates corresponding with the target mobile phones number dynamic according to preset algorithm State identifying code, and the dynamic verification code is sent to the mobile terminal of the client;
It should be noted that VTM after determining target mobile phones number, can be generated and the target mobile phones according to preset algorithm The corresponding dynamic verification code of number, wherein the preset algorithm can generate verification at random or by certain predetermined rule The algorithm of code, such as:Hash algorithm, Message Digest 5 etc., naturally it is also possible to be other algorithms or rule, the present embodiment is to this It does not limit.
In the concrete realization, the dynamic verification code can be sent to the movement of client by VTM after generating dynamic verification code Terminal, the mobile terminal can be the user equipmenies for being associated with or binding with the phone number, such as:Mobile phone, tablet computer, Intelligent bracelet etc..
Step S603:The long-distance video automatic teller machine receives the current dynamic verification code of client's input, to described current dynamic State identifying code is verified, when being verified, displaying Password Input prompt;
It will be appreciated that VTM receive client input current dynamic verification code when, can the current dynamic verification code into Row verification, when being verified, in display interface displaying Password Input prompt.
Step S604:The long-distance video automatic teller machine is when receiving the current password of client's input, according to described current Password carries out debit card activation.
In this step, VTM is doing prior customer according to the current password when receiving the current password of client's input The preset initial password of banking system is replaced and preserves when managing debit card, and it is visitor to be then based on the password that client currently inputs Handle debit card activation in family.
The present embodiment long-distance video automatic teller machine in response to client based on the debit card open an account information input confirmation instruct, And target mobile phones number is determined according to debit card information of opening an account;Dynamic corresponding with target mobile phones number is generated according to preset algorithm Identifying code, and dynamic verification code is sent to the mobile terminal of client;The current dynamic verification code for receiving client's input, to current Dynamic verification code is verified, when being verified, displaying Password Input prompt;In the current password for receiving client's input When, debit card activation is carried out according to current password, effectively raises the safety of customer information.
With reference to figure 3, Fig. 3 is the flow diagram of debit card Activiation method 3rd embodiment of the present invention.
In the debit card Activiation method proposed based on the various embodiments described above, the present embodiment, the step S603 is specifically included:
Step S6031:The long-distance video automatic teller machine receives the current dynamic verification code of client's input, to described current dynamic State identifying code is verified, when being verified, displaying customer information acquisition prompt;
It should be noted that in the present embodiment, the customer information can be able to demonstrate that the body of client's personal identification Part information (such as identity card, biological information, and/or image information etc.).Specifically, VTM can pass through itself integrated letter Breath reading device to carry out typing to customer information, and described information reading device may include:Fingerprint/iris recognition instrument, identity card And/or bank card reader, camera, high photographing instrument etc., the present embodiment does not limit this.
In the concrete realization, VTM can prompt visitor after being verified to the dynamic verification code that client inputs in display interface Family carries out the acquisition of customer information.
Step S6032:The long-distance video automatic teller machine preserves collected customer information, and shows Password Input Prompt.
In this step, the state of VTM can be adjusted to information collection by VTM after prompt client carries out customer information acquisition State to acquire customer information, and preserves collected customer information, and prompts client's progress close on display interface Code input.
The present embodiment long-distance video automatic teller machine receive client input current dynamic verification code, to current dynamic verification code into Row verification, when being verified, displaying customer information acquisition prompt;Collected customer information is preserved, and is shown close The case where code input prompt, other people act on behalf when debit card can be effectively prevent to activate.
Based on the various embodiments described above, the present embodiment proposes the fourth embodiment of debit card Activiation method, in the present embodiment, The customer information may include:Image information and finger print information, correspondingly, the step S6032 specifically include:
Step:The long-distance video automatic teller machine acquires the current image information of the client by camera, and from described Debit card opens an account and extracts the corresponding client's photo of the client in information;
It should be understood that under normal conditions, client can provide identity card, bank when bank handles debit card and opens an account Also can be by the identity information of the identity card typing client of client, therefore in system, VTM can be directly from banking system offer The corresponding client's photo of client is obtained in information of opening an account, which can be the certificate photo on identity card.
It will be appreciated that filming apparatus can be generally integrated on VTM, such as:Camera, therefore, other people in order to prevent in generations The case where doing, in the present embodiment, VTM can acquire the current image information of the client by camera.
Step:The long-distance video automatic teller machine matches the current image information according to client's photo, When successful match, the current image information is preserved, and shows that fingerprint typing prompts;
After the completion of to the current image information collection of client, VTM can be according to client's photo to the current image Information is matched, and in successful match, preserves the current image information, and shows that fingerprint typing prompts.
Further, in order to ensure the accuracy of matching result, in the present embodiment, the current image information is carried out Matched specific implementation can be:The long-distance video automatic teller machine determines the current image information and client's photo Face mask line, extract the first facial image and the client in the current image information respectively according to the face mask line The second facial image in photo;First facial image and the second facial image are adjusted, so that described the first Face image is identical with the size of the second facial image;Characteristic point is carried out respectively to first facial image and the second facial image Extraction, and the characteristic point of extraction is matched.
It will be appreciated that corresponding certificate photo is that client handles and shot when identity document early stage usually in customer's identity card Client's photo, with advancing age, the appearance of client may change.Therefore, in the characteristic point progress to extraction When with verification, a predeterminable matching threshold judges the matching degree of the characteristic point currently obtained.Such as:VTM is to visitor First facial image and the second facial image at family carry out feature point extraction respectively, after the characteristic point of extraction is matched, Obtained matching degree is 85%, has been more than preset matching threshold 75%, then can determine that existing customer and identity document pair The client answered is same people.Certainly, in the present embodiment, the matching threshold may be set according to actual conditions, the present embodiment pair This is not limited.
Step:The long-distance video automatic teller machine acquisition pressing is in the corresponding finger print information of finger of default pickup area, root Fingerprint picture is generated according to the finger print information, the fingerprint picture is preserved, and shows that Password Input prompts.
In the present embodiment, after the image information to client fits through, VTM will continue to prompt client's typing fingerprint letter Breath.Specifically, finger corresponding fingerprints of the VTM by integrated fingerprint acquisition device acquisition pressing in default pickup area is believed Breath generates fingerprint picture according to the finger print information, and is preserved to the fingerprint picture.
There is higher identification in order to ensure the fingerprint of client's typing, in the present embodiment, VTM can also be from the fingerprint image Take the fingerprint feature in piece, and detects whether accounting of the fingerprint characteristic in the fingerprint picture is more than default accounting; When detecting that accounting of the fingerprint characteristic in the fingerprint picture is more than default accounting, the fingerprint picture is protected It deposits, and shows that Password Input prompts.
In addition, VTM during extracting the fingerprint in the fingerprint picture, if extraction fails, prompts to use Family re-starts fingerprint typing;In order to improve the experience sense of user fingerprints typing, user is avoided currently to carry out the hand of fingerprint typing Finger is unsuitable for the occurrence of carrying out Finger print characteristic abstract, can preset a threshold value, be more than in the fingerprint extraction frequency of failure When predetermined threshold value, prompts user to replace finger and carry out fingerprint collecting.
It will be appreciated that in a practical situation, there may be unfamiliar with VTM process for using when using VTM for the first time by client The case where, therefore in order to optimize user experience, in the present embodiment and the various embodiments described above, the long-distance video automatic teller machine can be in office The interface shared instruction that the reception client that anticipates inputs, and send interface sharing request to the terminal device;Correspondingly, described Terminal device carries out teleengineering support in response to the interface sharing request, to the current display interface of the long-distance video automatic teller machine And it shows.Specifically, a display interface can be arranged on VTM machines shares button, it can set which, which shares button, The virtual push button on VTM display interfaces is set, can also be the physical button being integrated on VTM, this is not restricted.
The present embodiment long-distance video automatic teller machine acquires the current image information of the client by camera, and from debit card The corresponding client's photo of client is extracted in information of opening an account;Current image information is matched according to client's photo, matching at When work(, current image information is preserved, and shows that fingerprint typing prompts;Finger corresponding finger of the acquisition pressing in default pickup area Line information generates fingerprint picture according to finger print information, is preserved to fingerprint picture, and shows that Password Input prompts, Neng Goubao Card client handles the safety of debit card activation, prevents the leakage of client's proprietary information.
In addition, the embodiment of the present invention also provides a kind of debit card activation equipment, the equipment include memory, processor and It is stored in the debit card activation program that can be run on the memory and on the processor, the debit card activation program is matched It is set to the step of realizing the debit card Activiation method described in embodiment as above.
In addition, the embodiment of the present invention also provides a kind of storage medium, debit card activation journey is stored on the storage medium The step of sequence, the debit card activation program realizes the debit card Activiation method described in embodiment as above when being executed by processor.
With reference to figure 4, Fig. 4 is the structure diagram of debit card activation system first embodiment of the present invention.
As shown in figure 4, the debit card activation system that the present embodiment proposes includes:Long-distance video automatic teller machine 101, server 102 and terminal device 103;
Wherein, the long-distance video automatic teller machine 101, the debit card activation instruction for being inputted in response to client, to service Device 102 sends business handling instruction;
It should be noted that in the present embodiment, the long-distance video automatic teller machine 101 can be one kind by long-distance video side Formula handles the electromechanical integration equipment of some counter services, applies in financial systems such as bank, little Dai companies more.The service Device 102 can be the network service that data information interaction is connect and carried out with long-distance video automatic teller machine 101 (hereinafter referred to as VTM) Device.
In the concrete realization, difference can be generally arranged in the display interface of VTM by carrying out business triggering for ease of client The trigger button of business can pass through touch screen when client needs to handle phone number change business in the display interface of VTM Clicking debit card activates corresponding trigger button, the debit card activation instruction that VTM is inputted in response to client to be sent out to server 102 Business handling is sent to instruct.
The server 102 is distributed for being instructed in response to the business handling for the long-distance video automatic teller machine 101 The one target teller being in idle condition, and business handling instruction is sent to the corresponding terminal device of the target teller 103;
It will be appreciated that the server 102 receive VTM transmission business handling instruction after, in response to the business Instruction is handled, and a target teller being in idle condition is distributed for the VTM, correlation is handled for the client of currently used VTM Business.In the present embodiment, the target teller can be that one is randomly choosed in the teller being in idle condition from current time Teller is allocated;The user satisfaction for the teller that can also be in idle condition by acquisition;Then from high to low suitable is pressed User satisfaction described in ordered pair is ranked up, further according to the teller (the i.e. described target teller) that ranking results determine, and will be described Target teller distributes to VTM;Certainly it can also be that other teller's methods of salary distribution, the present embodiment do not limit this.
The terminal device 103 generates debit card information checking request for being instructed according to the business handling, will be described Debit card information checking request is sent to the long-distance video automatic teller machine 101;
It should be noted that the terminal device 103 can be bank cashier or attend a banquet carry out business handling operation it is flat Platform, such as PC, laptop etc., the present embodiment does not limit this.
Further, in order to improve the working efficiency of teller, the corresponding terminal device of target teller 103 is receiving industry After business instruction (for example, debit card activation instruction), the business interface of debit card activation can be entered according to business handling instruction, Without entering back into the business interface after inquiring client.After the terminal device enters business interface, the target cabinet Member generates debit card information checking request by clicking debit card information verification option on the terminal device 103, and by institute It states debit card information checking request and is sent to VTM.
The long-distance video automatic teller machine 101 is additionally operable in response to the debit card information checking request, displaying debit card letter Breath input prompt, and receive the debit card information of client's input;
It will be appreciated that in order to obtain debit card information, VTM is when receiving the debit card information checking request, meeting The input of debit card information is carried out in display interface prompt client, the debit card information may include debit card card number to be activated With debit card initial password (being set by banking system when client applies for card) to be activated.
In this step, the debit card information input prompt can be that preset class is shown on VTM display interfaces It is similar to the prompt of the types such as " bank card please be inserted into ", " initial password please be input ", and specific prompting mode can pass through text The prompting mode that word, chart, voice or three arbitrarily combine, the present embodiment are not restricted this.
The long-distance video automatic teller machine 101 is additionally operable to verify the debit card information, when being verified, exhibition Show that the debit card of client is opened an account information;
It will be appreciated that VTM verifies the debit card information in the debit card information for getting client's input When, it can be verified locally;The information of typing can also be sent to the server 102, by the server 102 into Row verification and feedback validation result is to VTM.The debit card, which opens an account information can be client carry out debit card in bank outlets, to be opened When family, the bank account information being entered into banking system, such as:Name, card number, reserved phone number etc..
The long-distance video automatic teller machine 101 is additionally operable to open an account information input based on the debit card in response to the client Confirmation instruction, displaying Password Input prompt, and receive client input current password when, according to the current password into Row debit card activates.
After VTM is shown the information of opening an account of debit card to be activated on display interface, client can open an account to this Information into verification, confirm it is errorless after can input validation instruction, VTM is defeated based on debit card information of opening an account in response to the client The confirmation instruction entered, and show that Password Input prompts, when VTM receives the current password of client's input, according to described current Password is replaced the preset initial password of banking system, to realize that debit card activates.
The present invention is realized by long-distance video automatic teller machine when client needs to carry out debit card activation, can reduce silver The business handling pressure of row site staff, makes full use of the device resource of bank outlets, avoids client's stand-by period mistake It is long, improve business handling experience of the client when carrying out debit card activation.
The other embodiment or specific implementation of debit card activation system of the present invention can refer to above-mentioned each method embodiment, Details are not described herein again.
It should be noted that herein, the terms "include", "comprise" or its any other variant are intended to non-row His property includes, so that process, method, article or system including a series of elements include not only those elements, and And further include the other elements being not explicitly listed, or further include for this process, method, article or system institute it is intrinsic Element.In the absence of more restrictions, the element limited by sentence "including a ...", it is not excluded that including this There is also other identical elements in the process of element, method, article or system.
The embodiments of the present invention are for illustration only, can not represent the quality of embodiment.
Through the above description of the embodiments, those skilled in the art can be understood that above-described embodiment side Method can add the mode of required general hardware platform to realize by software, naturally it is also possible to by hardware, but in many cases The former is more preferably embodiment.
It these are only the preferred embodiment of the present invention, be not intended to limit the scope of the invention, it is every to utilize this hair Equivalent structure or equivalent flow shift made by bright specification and accompanying drawing content is applied directly or indirectly in other relevant skills Art field, is included within the scope of the present invention.

Claims (10)

1. a kind of debit card Activiation method, which is characterized in that the method includes:
The debit card activation instruction that long-distance video automatic teller machine is inputted in response to client sends business handling instruction to server;
The server is instructed in response to the business handling, and the long-distance video automatic teller machine distribution one is in idle condition Target teller, and business handling instruction is sent to the corresponding terminal device of the target teller;
The terminal device instructs according to the business handling and generates debit card information checking request, and the debit card information is tested Card request is sent to the long-distance video automatic teller machine;
The long-distance video automatic teller machine is prompted in response to the debit card information checking request, displaying debit card information input, and Receive the debit card information of client's input;
The long-distance video automatic teller machine verifies the debit card information, when being verified, shows borrowing for the client Note blocks information of opening an account;
The long-distance video automatic teller machine in response to the client based on the debit card open an account information input confirmation instruct, displaying Password Input prompts, and when receiving the current password of client's input, and debit card activation is carried out according to the current password.
2. the method as described in claim 1, which is characterized in that the long-distance video automatic teller machine is based on institute in response to the client State debit card open an account information input confirmation instruction, displaying Password Input prompt, and receive client input current password When, debit card activation is carried out according to the current password, is specifically included:
The long-distance video automatic teller machine is instructed in response to the client based on the open an account confirmation of information input of the debit card, and root Target mobile phones number is determined according to debit card information of opening an account;
The long-distance video automatic teller machine generates dynamic verification code corresponding with the target mobile phones number according to preset algorithm, and will The dynamic verification code is sent to the mobile terminal of the client;
The long-distance video automatic teller machine receives the current dynamic verification code of client's input, tests the current dynamic verification code Card, when being verified, displaying Password Input prompt;
The long-distance video automatic teller machine carries out debit card when receiving the current password of client's input, according to the current password Activation.
3. method as claimed in claim 2, which is characterized in that the long-distance video automatic teller machine receives the current dynamic of client's input State identifying code verifies the current dynamic verification code, and when being verified, displaying Password Input prompt specifically includes:
The long-distance video automatic teller machine receives the current dynamic verification code of client's input, tests the current dynamic verification code Card, when being verified, displaying customer information acquisition prompt;
The long-distance video automatic teller machine preserves collected customer information, and shows that Password Input prompts.
4. method as claimed in claim 3, which is characterized in that the customer information includes image information and finger print information;
The long-distance video automatic teller machine preserves collected customer information, and shows that Password Input prompts, and specifically includes:
The long-distance video automatic teller machine acquires the current image information of the client by camera, and opens an account from the debit card The corresponding client's photo of the client is extracted in information;
The long-distance video automatic teller machine matches the current image information according to client's photo, in successful match When, the current image information is preserved, and show that fingerprint typing prompts;
The long-distance video automatic teller machine acquisition pressing is in the corresponding finger print information of finger for presetting pickup area, according to the fingerprint Information generates fingerprint picture, is preserved to the fingerprint picture, and shows that Password Input prompts.
5. method as claimed in claim 4, which is characterized in that the long-distance video automatic teller machine is according to client's photo to institute It states current image information to be matched, in successful match, preserves the current image information, and show that fingerprint typing prompts, It specifically includes:
The long-distance video automatic teller machine determines the face mask line of the current image information and client's photo, according to described Face mask line extracts the second facial image in the first facial image and client's photo in the current image information respectively;
The long-distance video automatic teller machine is adjusted first facial image and the second facial image, so that described the first Face image is identical with the size of the second facial image;
The long-distance video automatic teller machine carries out feature point extraction respectively to first facial image and the second facial image, and will The characteristic point of extraction is matched, and in successful match, preserves the current image information, and shows that fingerprint typing prompts.
6. method as claimed in claim 5, which is characterized in that the long-distance video automatic teller machine acquisition pressing is in default acquisition zone The corresponding finger print information of finger in domain generates fingerprint picture according to the finger print information, is preserved to the fingerprint picture, and It shows Password Input prompt, specifically includes:
The long-distance video automatic teller machine acquisition pressing is in the corresponding finger print information of finger for presetting pickup area, according to the fingerprint Information generates corresponding fingerprint picture;
The long-distance video automatic teller machine takes the fingerprint feature from the fingerprint picture, and detects the fingerprint characteristic in the finger Whether the accounting in line picture is more than default accounting;
The long-distance video automatic teller machine is detecting that accounting of the fingerprint characteristic in the fingerprint picture is more than default accounting When, the fingerprint picture is preserved, and show that Password Input prompts.
7. such as claim 1 to 6 any one of them method, which is characterized in that the method further includes:
The long-distance video automatic teller machine receives the interface shared instruction of client's input, is asked to terminal device transmission interface is shared It asks;
The terminal device carries out the current display interface of the long-distance video automatic teller machine in response to the interface sharing request Teleengineering support is simultaneously shown.
8. a kind of debit card activation equipment, which is characterized in that the equipment includes memory, processor and is stored in the storage On device and the debit card activation program that can run on the processor, debit card activation program are arranged for carrying out such as right It is required that the step of debit card Activiation method described in any one of 1 to 7.
9. a kind of computer readable storage medium, which is characterized in that be stored with debit card on the computer readable storage medium Program, the debit card activation program is activated to realize debit card as described in any one of claim 1 to 7 when being executed by processor The step of Activiation method.
10. a kind of debit card activation system, which is characterized in that the system comprises:Long-distance video automatic teller machine, server and end End equipment;
Wherein, the long-distance video automatic teller machine, the debit card activation instruction for being inputted in response to client send industry to server Instruction is handled in business;
The server is in the free time for being instructed in response to the business handling for long-distance video automatic teller machine distribution one The target teller of state, and business handling instruction is sent to the corresponding terminal device of the target teller;
The terminal device generates debit card information checking request, by the debit card for being instructed according to the business handling Information verification request is sent to the long-distance video automatic teller machine;
The long-distance video automatic teller machine is additionally operable in response to the debit card information checking request, displaying debit card information input Prompt, and receive the debit card information of client's input;
The long-distance video automatic teller machine is additionally operable to verify the debit card information, when being verified, shows client's Debit card is opened an account information;
The long-distance video automatic teller machine is additionally operable to refer to based on the open an account confirmation of information input of the debit card in response to the client It enables, displaying Password Input prompt, and when receiving the current password of client's input, debit card is carried out according to the current password Activation.
CN201810070971.1A 2018-01-24 2018-01-24 Debit card Activiation method, equipment, system and computer readable storage medium Pending CN108280642A (en)

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CN201810070971.1A CN108280642A (en) 2018-01-24 2018-01-24 Debit card Activiation method, equipment, system and computer readable storage medium
PCT/CN2018/083674 WO2019144526A1 (en) 2018-01-24 2018-04-19 Method, device, and system for debit card activation, and computer-readable storage medium

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