CN109064685A - Convenient withdrawal system and method - Google Patents
Convenient withdrawal system and method Download PDFInfo
- Publication number
- CN109064685A CN109064685A CN201810913192.3A CN201810913192A CN109064685A CN 109064685 A CN109064685 A CN 109064685A CN 201810913192 A CN201810913192 A CN 201810913192A CN 109064685 A CN109064685 A CN 109064685A
- Authority
- CN
- China
- Prior art keywords
- module
- user
- vocal print
- port
- speech recognition
- 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.)
- Withdrawn
Links
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]
- G07F19/202—Depositing operations within ATMs
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
- G06F21/30—Authentication, i.e. establishing the identity or authorisation of security principals
- G06F21/31—User authentication
- G06F21/32—User authentication using biometric data, e.g. fingerprints, iris scans or voiceprints
-
- 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
-
- 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]
- G07F19/211—Software architecture within ATMs or in relation to the ATM network
Abstract
A kind of convenient withdrawal system, including bank server port and client port, bank server port are also stored with user's vocal print module, user images module, semantics recognition module and control module；Client port is provided with face identification system and speech recognition system；The voiceprint extraction module and semantics recognition module that client is additionally provided with the faceform's extraction module being connected with face identification system, is connected with speech recognition system；Faceform's extraction module, voiceprint extraction module are connect with the control module in bank server port；User's vocal print module, user images module and semantics recognition module are connect with control module respectively.Interaction of this system and method based on face identification system and speech recognition system, wherein face identification system is applied to bundled user name, speech recognition system is applied to password authentification, it solves not will use self-service device in background technique by reducing, updating withdrawal medium and process, without bank card or the problems such as forget Password, it is convenient and efficient, highly-safe, strong security, the crowd suitable for each age group uses.
Description
Technical field
The present invention relates to a kind of bankings to handle system and method, specifically a kind of convenient withdrawal system and side
Method.
Background technique
In real life, it when going to bank to handle the deposit or the withdrawal, not only needs to operate sometimes using vouchers such as bank cards
Process is cumbersome, often will appear bank card lose, forget Password, will not self-service withdrawal, window for a long time be lined up the problems such as.More
The serious is both for the biggish business of amount, the lesser business of amount requires to pass through for many bank window services at present
Self-service device inside and outside bank is operated, this just brings great puzzlement to the middle-aged and the old, although there is the work people of bank
Member is instructed, but since the middle-aged and the old is not familiar to self-service device, operation slowly, not only influences business handling efficiency, also holds
Easily there is situations such as retain card, locking, it is highly inconvenient.
In addition, more and more mature and convenient with smart phone payment, it is also carrying mobile phone that many young men, which go out,
Without bank card or cash, once there is situations such as mobile phone out of power or no signal, it is difficult to carry out delivery operation, not only delays row
Journey, and many troubles can be brought.
Summary of the invention
The present invention be directed to be referred in background technique, provide a kind of based on face identification system and voice knowledge
The convenient withdrawal system and method for the multiple tracks security protection of other system.
For achieving the above object, the technical solution adopted by the present invention is that: a kind of convenient withdrawal system, including bank
Service-Port and client port,
The bank server port is also stored with user's vocal print module, user images module, semantics recognition module and control mould
Block；
The client port is provided with face identification system and speech recognition system；Client is additionally provided with and face identification system
The faceform's extraction module being connected, the voiceprint extraction module and semantics recognition module that are connected with speech recognition system；
Faceform's extraction module, voiceprint extraction module are connect with the control module in bank server port；
User's vocal print module, user images module and the semantics recognition module is connect with control module respectively.
A kind of convenient withdrawal method, the withdrawal method are configured with a set of withdrawal system, which includes bank
Service-Port and client port,
The bank server port is also stored with user's vocal print module, user images module, semantics recognition module and control mould
Block；
The client port is provided with face identification system and speech recognition system；Client is additionally provided with and face identification system
The faceform's extraction module being connected, the voiceprint extraction module being connected with speech recognition system；
Faceform's extraction module, voiceprint extraction module are connect with the control module in bank server port；
User's vocal print module, user images module and the semantics recognition module is connect with control module respectively；
Follow the steps below operation:
(1) user when bank window handles account, used by face identification system and speech recognition system acquisition by bank window
The human face image information and acoustic information at family, and bank is stored in after faceform's extraction module and the conversion of vocal print extraction module
In user's vocal print module and user images module in Service-Port；
User records some particular problems by speech recognition system and answer is stored in bank when bank window handles account
In semantics recognition module in Service-Port；
(2) when user self-help transacting business, before standing or being seated at client, image is acquired by face identification system, and pass through
Faceform's extraction module is by its image zooming-out and be transmitted to the control module at bank server end, and control module will receive
Image zooming-out information is compared with the user images module of original storage:
When image information compares identical, system recalls the related service information of user automatically, while semantics recognition module passes through language
Sound identifying system carries out business inquiry to user, and extracts 1-2 particular problem out at random and inquired, in interactive process, language
Sound identifying system stores the acoustic information of user and extracts vocal print by voiceprint extraction module, is transmitted to the control at bank server end
The voiceprint extraction information received is compared with user's vocal print module of original storage for molding block, control module, after coincideing
Continue to handle related service, misfits system refusal and operate down；
When image information comparison is misfitted, system refusal operates down.
The facial image of face identification system acquisition and the comparison of user images module are first of safety of business handling
Protection；The acoustic information of the speech recognition system acquisition and the comparison of user's vocal print module are the second safety of business handling
Protection.
Vocal print acquisition when particular problem in semantics recognition module is answered in real time for user, belongs to dynamic authentication password
Process is the third road security protection of business handling.
The entire business handling process of the withdrawal method is contactless operation.
Interaction of this system and method disclosed in this invention based on face identification system and speech recognition system, wherein
Face identification system is applied to bundled user name, and speech recognition system is applied to password authentification, is situated between by reducing, updating withdrawal
Matter and process solve not will use self-service device in background technique, without bank card or the problems such as forget Password, convenient and efficient, peace
Quan Xinggao, strong security, the crowd suitable for each age group use.
Detailed description of the invention
Fig. 1 is system principle diagram of the invention.
Fig. 2 is flow diagram of the invention.
Specific embodiment
The present invention will be further described with reference to the accompanying drawings and examples.
Referring to attached drawing 1-2, the invention discloses a kind of convenient withdrawal systems, including bank server port and client
Mouthful, client is provided with conventional input display module, and this conventional input display module is that bank self-help general at present is set
Standby input display operation module.
Bank server port is also stored with user's vocal print module, user images module, semantics recognition module and control mould
Block；Client port is provided with face identification system and speech recognition system；Client is additionally provided with to be connected with face identification system
The faceform's extraction module connect, the voiceprint extraction module and semantics recognition module that are connected with speech recognition system；Face mould
Type extraction module, voiceprint extraction module are connect with the control module in bank server port；User's vocal print module, Yong Hutu
As module and semantics recognition module are connect with control module respectively.
Access money method based on above system, follows the steps below operation.
(1) for user when bank window handles account, bank window (as the first client) passes through face identification system
The human face image information and acoustic information of user are acquired with speech recognition system, and through faceform's extraction module and voiceprint extraction
It is stored in after module converter in the user's vocal print module and user images module in bank server port.Face identification system is adopted
The comparison of the facial image and user images module that integrate is first of security protection of business handling；Speech recognition system acquisition
The comparison of acoustic information and user's vocal print module is the second security protection of business handling.
User records some particular problems by speech recognition system and answer is stored in when bank window handles account
In semantics recognition module in bank server port.When particular problem in semantics recognition module is answered in real time for user
Vocal print acquisition, user compare with user's vocal print module while answering a question, actually collecting voiceprint, vocal print
Information judge as password password to mistake.It can answer according to actual needs to wrong record, it is close to belong to dynamic authentication
Code process, problem are randomly selected, and prevent recording by verifying, this is the third road security protection of business handling.
(2) when user self-help transacting business, before standing or being seated at self-service device (as the second client), known by face
Other system acquisition image, and pass through faceform's extraction module for its image zooming-out and be transmitted to the control mould at bank server end
The image zooming-out information received is compared with the user images module of original storage for block, control module:
When image information compares identical, system recalls the related service information of user automatically, while semantics recognition module passes through language
Sound identifying system carries out business inquiry to user, and extracts 1-2 particular problem out at random and inquired, preferably, language
The problem of storing in adopted identification module is all that some numbers of words are few, simple question, if erroneous answers, operation is also terminated；It answers just
Really, business continues to handle, and semantics recognition is also one of security protection therein.In interactive process, speech recognition system storage
The acoustic information of user simultaneously extracts vocal print by voiceprint extraction module, is transmitted to the control module at bank server end, controls mould
The voiceprint extraction information received is compared block with user's vocal print module of original storage, and the subsequent renewal that coincide manages related industry
Business is misfitted system refusal and is operated down；
When image information comparison is misfitted, system refusal operates down, logs off.
The entire business handling process of withdrawal method is contactless operation.Can according to voice inquire handle cash or
No cash transaction, monetary transaction are storage/access money business, and no cash transaction includes transferring accounts, payment of duty, paying forfeit money, and pass through control
The connection of the Service-Port of module and bank is operated.It is open-minded that this non-contact type business can be used for New Account, can also be with
For old debts family business modification, frequent customer can open this non-contact type business handling function on old debts family.
Embodiment
User sits or stands before sales counter or ATM machine, and face identification system judges associated client (first of protection at this time first
In progress, it is compared by man face image acquiring with user images module), identify the account situation of client；
Then speech recognition system can be inquired actively: " you are good, XXX(customer name) "." may I ask and withdraw cash or save ".Client
It answers: " take or save ".(at this moment the password authentification of voiceprint has begun).
Speech recognition system then asks (the problem of setting in semantics recognition module): " where you work ... .., or:
Where son goes to work ..., or: family refrigerator is that (this process is dynamic authentication password to what brand ... .. " etc., real
It is not configured to judge answer on border to mistake, but further collects voiceprint and be compared, further verify coincideing for password
Rate prevents from recording).User answers its problem, and by vocal print multiple authentication, password coincide, verifies.
Speech recognition system inquiry " you deposit or withdrawal amount is " user answer a question, correctly then system automatic money output or into
Otherwise row deposit operation must be verified again.
Business handling finishes, speech recognition system prompt, if end operation continues transacting business, and user continues to select
It operates in next step, overall process only has speech exchange, is not manually operated.
Claims (5)
1. a kind of convenient withdrawal system, including bank server port and client port, it is characterised in that:
The bank server port is also stored with user's vocal print module, user images module, semantics recognition module and control mould
Block；
The client port is provided with face identification system and speech recognition system；Client is additionally provided with and face identification system
The faceform's extraction module being connected, the voiceprint extraction module and semantics recognition module that are connected with speech recognition system；
Faceform's extraction module, voiceprint extraction module are connect with the control module in bank server port；
User's vocal print module, user images module and the semantics recognition module is connect with control module respectively.
2. a kind of convenient withdrawal method, it is characterised in that: the withdrawal method is configured with a set of withdrawal system, the system
Including bank server port and client port,
The bank server port is also stored with user's vocal print module, user images module, semantics recognition module and control mould
Block；
The client port is provided with face identification system and speech recognition system；Client is additionally provided with and face identification system
The faceform's extraction module being connected, the voiceprint extraction module being connected with speech recognition system；
Faceform's extraction module, voiceprint extraction module are connect with the control module in bank server port；
User's vocal print module, user images module and the semantics recognition module is connect with control module respectively；
Follow the steps below operation:
(1) user when bank window handles account, used by face identification system and speech recognition system acquisition by bank window
The human face image information and acoustic information at family, and bank is stored in after faceform's extraction module and the conversion of vocal print extraction module
In user's vocal print module and user images module in Service-Port；
User records some particular problems by speech recognition system and answer is stored in bank when bank window handles account
In semantics recognition module in Service-Port；
(2) when user self-help transacting business, before standing or being seated at client, image is acquired by face identification system, and pass through
Faceform's extraction module is by its image zooming-out and be transmitted to the control module at bank server end, and control module will receive
Image zooming-out information is compared with the user images module of original storage:
When image information compares identical, system recalls the related service information of user automatically, while semantics recognition module passes through language
Sound identifying system carries out business inquiry to user, and extracts 1-2 particular problem out at random and inquired, in interactive process, language
Sound identifying system stores the acoustic information of user and extracts vocal print by voiceprint extraction module, is transmitted to the control at bank server end
The voiceprint extraction information received is compared with user's vocal print module of original storage for molding block, control module, after coincideing
Continue to handle related service, misfits system refusal and operate down；
When image information comparison is misfitted, system refusal operates down.
3. convenient withdrawal method according to claim 2, it is characterised in that: the people of the face identification system acquisition
The comparison of face image and user images module is first of security protection of business handling；The sound of the speech recognition system acquisition
The comparison of message breath and user's vocal print module is the second security protection of business handling.
4. convenient withdrawal method according to claim 2, it is characterised in that: the particular problem in semantics recognition module is used
Vocal print acquisition when user answers in real time, belongs to dynamic authentication cryptographic processes, is the third road security protection of business handling.
5. convenient withdrawal method according to claim 2, it is characterised in that: the entire business of the withdrawal method
Handling process is contactless operation.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810913192.3A CN109064685A (en) | 2018-08-13 | 2018-08-13 | Convenient withdrawal system and method |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810913192.3A CN109064685A (en) | 2018-08-13 | 2018-08-13 | Convenient withdrawal system and method |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN109064685A true CN109064685A (en) | 2018-12-21 |
Family
ID=64683548
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201810913192.3A Withdrawn CN109064685A (en) | 2018-08-13 | 2018-08-13 | Convenient withdrawal system and method |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN109064685A (en) |
Cited By (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN111708999A (en) * | 2020-05-22 | 2020-09-25 | 湖南映客互娱网络信息有限公司 | Live broadcast customer service authentication method and system based on image comparison |
| CN111881432A (en) * | 2020-07-23 | 2020-11-03 | 湖南三湘银行股份有限公司 | Bank identity recognition system based on voice recognition |
| CN112036897A (en) * | 2020-09-17 | 2020-12-04 | 中国银行股份有限公司 | ATM operation method and device |
| TWI761061B (en) * | 2021-02-03 | 2022-04-11 | 中華電信股份有限公司 | Identity authentication method for deposit withdrawing and system using the same |
| CN114445979A (en) * | 2022-03-16 | 2022-05-06 | 中国工商银行股份有限公司 | Self-service withdrawal method and device |
Citations (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN103106747A (en) * | 2012-12-17 | 2013-05-15 | 交通银行股份有限公司 | Automatic teller machine (ATM) self-service banking fast operation method and system |
| CN104834849A (en) * | 2015-04-14 | 2015-08-12 | 时代亿宝(北京)科技有限公司 | Dual-factor identity authentication method and system based on voiceprint recognition and face recognition |
| CN105303439A (en) * | 2015-05-11 | 2016-02-03 | 罗卫东 | Bank system adopting human face recognition to enter account and confirming service through fingerprint |
| CN105516198A (en) * | 2010-12-30 | 2016-04-20 | 环联有限责任公司 | Identity verification systems and methods |
| CN107633627A (en) * | 2017-09-22 | 2018-01-26 | 深圳怡化电脑股份有限公司 | One kind is without card withdrawal method, apparatus, equipment and storage medium |
| US20180204423A1 (en) * | 2015-12-25 | 2018-07-19 | Hitachi-Omron Terminal Solutions, Corp. | Automatic transaction system |
-
2018
- 2018-08-13 CN CN201810913192.3A patent/CN109064685A/en not_active Withdrawn
Patent Citations (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN105516198A (en) * | 2010-12-30 | 2016-04-20 | 环联有限责任公司 | Identity verification systems and methods |
| CN103106747A (en) * | 2012-12-17 | 2013-05-15 | 交通银行股份有限公司 | Automatic teller machine (ATM) self-service banking fast operation method and system |
| CN104834849A (en) * | 2015-04-14 | 2015-08-12 | 时代亿宝(北京)科技有限公司 | Dual-factor identity authentication method and system based on voiceprint recognition and face recognition |
| CN105303439A (en) * | 2015-05-11 | 2016-02-03 | 罗卫东 | Bank system adopting human face recognition to enter account and confirming service through fingerprint |
| US20180204423A1 (en) * | 2015-12-25 | 2018-07-19 | Hitachi-Omron Terminal Solutions, Corp. | Automatic transaction system |
| CN107633627A (en) * | 2017-09-22 | 2018-01-26 | 深圳怡化电脑股份有限公司 | One kind is without card withdrawal method, apparatus, equipment and storage medium |
Cited By (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN111708999A (en) * | 2020-05-22 | 2020-09-25 | 湖南映客互娱网络信息有限公司 | Live broadcast customer service authentication method and system based on image comparison |
| CN111881432A (en) * | 2020-07-23 | 2020-11-03 | 湖南三湘银行股份有限公司 | Bank identity recognition system based on voice recognition |
| CN112036897A (en) * | 2020-09-17 | 2020-12-04 | 中国银行股份有限公司 | ATM operation method and device |
| TWI761061B (en) * | 2021-02-03 | 2022-04-11 | 中華電信股份有限公司 | Identity authentication method for deposit withdrawing and system using the same |
| CN114445979A (en) * | 2022-03-16 | 2022-05-06 | 中国工商银行股份有限公司 | Self-service withdrawal method and device |
| CN114445979B (en) * | 2022-03-16 | 2023-01-20 | 中国工商银行股份有限公司 | Self-service withdrawal method and device |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| CN109064685A (en) | Convenient withdrawal system and method | |
| CA2388929C (en) | Method and system for performing money transfer transactions | |
| US5457747A (en) | Anti-fraud verification system using a data card | |
| US5770843A (en) | Access card for multiple accounts | |
| CN100489901C (en) | Personal identification system based on face authentication, automatic transaction device, facial authentication server | |
| US8284985B2 (en) | Interactive device for processing documents | |
| US20010011680A1 (en) | Self-service kiosk with biometric verification and/ or registration capability | |
| US20030015583A1 (en) | Self service check cashing system and method | |
| JP4586237B2 (en) | Biometric verification system | |
| JP6117910B2 (en) | Public bill self-service system with blank bill issue and bill temporary storage function | |
| CN102176267A (en) | Client self-service processing equipment as well as self-service authority authentication system and method | |
| CN110264578A (en) | A kind of passenger service system of urban track traffic | |
| US20070244813A1 (en) | System That Realizes Fund Transfer by Mobile Telephone Short Message Confirming Mode and Method Thereof | |
| JP4890774B2 (en) | Financial transaction system | |
| CN201142097Y (en) | Anti-counterfeiting safety queuing device based on biological recognition technology | |
| CN109377680A (en) | Withdrawal control method and device | |
| CN109740330A (en) | Terminal for public convenience based on a variety of authentications | |
| US20090283586A1 (en) | Method for secure use of identification cards | |
| CN113673874A (en) | Service processing method and device | |
| CN101373526A (en) | Safe card storing with biological feature data and its use method | |
| US20040089713A1 (en) | Employee accounting device and method of operation | |
| JP2001052045A (en) | Point imparting system | |
| JPH1031778A (en) | Automatic teller machine | |
| CN209903224U (en) | Intelligent business robot for bank | |
| JPH06266932A (en) | Automatic cash transaction system |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| PB01 | Publication | ||
| PB01 | Publication | ||
| SE01 | Entry into force of request for substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| WW01 | Invention patent application withdrawn after publication |
Application publication date: 20181221 |
|
| WW01 | Invention patent application withdrawn after publication |