CN111553312A - Business handling method and device - Google Patents
Business handling method and device Download PDFInfo
- Publication number
- CN111553312A CN111553312A CN202010400719.XA CN202010400719A CN111553312A CN 111553312 A CN111553312 A CN 111553312A CN 202010400719 A CN202010400719 A CN 202010400719A CN 111553312 A CN111553312 A CN 111553312A
- Authority
- CN
- China
- Prior art keywords
- user
- certificate
- identification
- identity
- service
- 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
Links
- 238000000034 method Methods 0.000 title claims abstract description 42
- 238000012545 processing Methods 0.000 claims abstract description 52
- 238000013475 authorization Methods 0.000 claims abstract description 31
- 230000001815 facial effect Effects 0.000 claims abstract description 11
- 238000004590 computer program Methods 0.000 claims description 16
- 238000001514 detection method Methods 0.000 claims description 11
- 230000006855 networking Effects 0.000 claims description 11
- 238000012790 confirmation Methods 0.000 claims description 3
- RWSOTUBLDIXVET-UHFFFAOYSA-N Dihydrogen sulfide Chemical compound S RWSOTUBLDIXVET-UHFFFAOYSA-N 0.000 abstract description 6
- 238000010586 diagram Methods 0.000 description 11
- 238000012795 verification Methods 0.000 description 9
- 230000006870 function Effects 0.000 description 5
- 238000005516 engineering process Methods 0.000 description 2
- 238000003780 insertion Methods 0.000 description 2
- 230000037431 insertion Effects 0.000 description 2
- 238000012986 modification Methods 0.000 description 2
- 230000004048 modification Effects 0.000 description 2
- 230000008569 process Effects 0.000 description 2
- 230000002411 adverse Effects 0.000 description 1
- 230000009286 beneficial effect Effects 0.000 description 1
- 230000005540 biological transmission Effects 0.000 description 1
- 238000004891 communication Methods 0.000 description 1
- 238000011161 development Methods 0.000 description 1
- 230000000694 effects Effects 0.000 description 1
- 238000000605 extraction Methods 0.000 description 1
- 230000006872 improvement Effects 0.000 description 1
- 238000004519 manufacturing process Methods 0.000 description 1
- 230000003287 optical effect Effects 0.000 description 1
- 238000007781 pre-processing Methods 0.000 description 1
Images
Classifications
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06V—IMAGE OR VIDEO RECOGNITION OR UNDERSTANDING
- G06V40/00—Recognition of biometric, human-related or animal-related patterns in image or video data
- G06V40/10—Human or animal bodies, e.g. vehicle occupants or pedestrians; Body parts, e.g. hands
- G06V40/16—Human faces, e.g. facial parts, sketches or expressions
- G06V40/172—Classification, e.g. identification
-
- 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
-
- 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
Landscapes
- Engineering & Computer Science (AREA)
- Theoretical Computer Science (AREA)
- Computer Security & Cryptography (AREA)
- Physics & Mathematics (AREA)
- General Physics & Mathematics (AREA)
- Computer Hardware Design (AREA)
- Software Systems (AREA)
- General Engineering & Computer Science (AREA)
- Oral & Maxillofacial Surgery (AREA)
- Human Computer Interaction (AREA)
- Multimedia (AREA)
- General Health & Medical Sciences (AREA)
- Health & Medical Sciences (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The invention provides a business handling method and a business handling device, wherein the method comprises the following steps: acquiring certificate information in a user identity certificate when a service transaction request of a user is received; the certificate information includes: a user facial image and a certificate identification; receiving a photographed face image of a user; comparing the facial image obtained from the identity document with the shot facial image; when the comparison result is consistent, searching the unique user identification corresponding to the certificate identification in the financial institution system; when the unique user identifier is found, determining whether the certificate identifier, the unique user identifier and the corresponding account information are subjected to associated authorization processing; after determining that the association authorization processing has been performed, processing the service transaction request. By the technical scheme, the financial institution certificates are not limited, a user can transact various services in different financial institutions only by carrying the effective identity certificate, the risk of losing or overdue user certificates is reduced, and the service transaction efficiency is improved.
Description
Technical Field
The invention relates to the technical field of data processing, in particular to a service handling method and a service handling device.
Background
Currently, when a customer goes to a financial institution such as a bank to transact business, most financial institutions require the customer to provide valid credentials issued by the financial institution such as a debit card, a credit card, a bankbook, etc. to transact business. Moreover, the certificates distributed by each financial institution are different, and the client certificates are various and have risks of loss and overdue. The customer needs to go to and fro the financial institution network for transaction for many times, and the transaction efficiency is low.
In view of the above problems, no effective solution has been proposed.
Disclosure of Invention
The embodiment of the invention provides a business handling method, which is used for realizing that a plurality of businesses can be handled in different financial institutions without being limited by certificates of the financial institutions, only a user carries an effective identity certificate, the risk of losing or overdue of the certificates of the user is reduced, and the business handling efficiency is improved, and the method comprises the following steps:
acquiring certificate information in a user identity certificate when a service transaction request of a user is received; the certificate information includes: a user facial image and a certificate identification;
receiving a photographed face image of a user; comparing the user face image acquired from the identity document with the shot user face image to obtain a comparison result;
when the comparison result is consistent, searching the unique user identification corresponding to the certificate identification in the financial institution system;
when the unique user identifier is found, determining whether the certificate identifier, the unique user identifier and the corresponding account information are subjected to associated authorization processing;
and processing the service transaction request after determining that the certificate identification, the unique user identification and the corresponding account information are subjected to associated authorization processing.
The embodiment of the invention also provides a service handling device, which is used for realizing that the service handling device is not limited by the certificates of financial institutions, and can handle various services in different financial institutions only by carrying effective identity certificates by users, thereby reducing the risk of losing or overdue the certificates of the users and improving the service handling efficiency, and the device comprises:
the acquisition unit is used for acquiring certificate information in the user identity certificate when receiving a service transaction request of a user; the certificate information includes: a user facial image and a certificate identification;
a face recognition unit for receiving a photographed face image of a user; comparing the user face image acquired from the identity document with the shot user face image to obtain a comparison result;
the searching unit is used for searching the user unique identification corresponding to the certificate identification in the financial institution system when the comparison result is consistent;
the determining unit is used for determining whether the certificate identification, the user unique identification and the corresponding account information are subjected to associated authorization processing when the user unique identification is found;
and the processing unit is used for processing the service transaction request after determining that the certificate identification, the user unique identification and the corresponding account information are subjected to associated authorization processing.
The embodiment of the invention also provides computer equipment which comprises a memory, a processor and a computer program which is stored on the memory and can run on the processor, wherein the processor realizes the business handling method when executing the computer program.
The embodiment of the invention also provides a computer readable storage medium, and the computer readable storage medium stores a computer program for executing the business handling method.
The technical scheme provided by the embodiment of the invention comprises the following steps: acquiring certificate information in a user identity certificate when a service transaction request of a user is received; this certificate information includes: a user facial image and a certificate identification; receiving a photographed face image of a user; comparing the user face image acquired from the identity document with the shot user face image to obtain a comparison result; when the comparison result is consistent, searching the unique user identification corresponding to the certificate identification in the financial institution system; when the unique user identifier is found, determining whether the certificate identifier, the unique user identifier and the corresponding account information are subjected to associated authorization processing; after the certificate identification, the user unique identification and the corresponding account information are determined to be subjected to association authorization processing, the service handling request is processed, the limitation of financial institution certificates is avoided, various services can be handled in different financial institutions only by carrying effective identity certificates by the user, the risk of loss or overdue of the user certificates is reduced, and the service handling efficiency is improved.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts.
FIG. 1 is a flow chart of a business handling method in an embodiment of the invention;
FIG. 2 is a schematic diagram of business handling in an embodiment of the invention;
FIG. 3 is a flow chart of a business transaction method in another embodiment of the invention;
fig. 4 is a schematic structural diagram of a service handling apparatus in an embodiment of the present invention.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
Before describing the embodiments of the present invention, the related terms and techniques related to the embodiments of the present invention are described.
Medium: stored with customer information, and can be used as a financial institution, such as a bank transaction, such as a debit card, credit card, passbook, or the like.
The intelligent teller machine: the terminal machine is operated by a client in a bank outlet, and a banking professional assists in identity verification and service approval and can handle banking services.
Reading the identity document information: the advanced international TypeB non-contact IC card reading technology is adopted, after security authentication is carried out on a special chip in a second generation resident identification card through an embedded special identification card security control module (SAM) in a wireless transmission mode, personal information data in the chip is read out, and the information is uploaded to a computer through a computer communication interface.
Face recognition: a biometric identification technique for performing identification based on facial feature information of a person. A series of related technologies, also commonly called face recognition and face recognition, are used to collect images or video streams containing faces by using a camera or a video camera, automatically detect and track the faces in the images, and then perform face recognition on the detected faces. The method comprises the following steps: the method comprises the steps of face image acquisition and detection, face image preprocessing, face image feature extraction, matching and identification. The method is mainly used for identity recognition.
The inventor finds that: in general, when a customer comes to a financial institution such as a bank branch, a bank-issued certificate such as a debit card, a credit card, a bankbook, etc. is provided as a medium to handle a transaction. However, with the development of mobile phone payment and the increasing variety of card books, more and more people are used to go out without carrying various card books.
In view of the above technical problems, the inventor proposes a scheme for handling business on terminal devices such as intelligent bank teller machines and the like by using identity documents (such as second-generation identity cards, port and australian station inward passage cards, passports, military officer cards and the like) as media. The scheme is that according to the identity certificate used by a client in the intelligent teller machine, the validity of the certificate is checked, relevant client information is called, face recognition is completed, and whether relevant services can be handled or not is judged. The service handling scheme is described in detail below.
Fig. 1 is a schematic flow chart of a service handling method in an embodiment of the present invention, and as shown in fig. 1, the method includes the following steps:
step 101: acquiring certificate information in a user identity certificate when a service transaction request of a user is received; the certificate information includes: a user facial image and a certificate identification;
step 102: receiving a photographed face image of a user; comparing the user face image acquired from the identity document with the shot user face image to obtain a comparison result;
step 103: when the comparison result is consistent, searching the unique user identification corresponding to the certificate identification in the financial institution system;
step 104: when the unique user identifier is found, determining whether the certificate identifier, the unique user identifier and the corresponding account information are subjected to associated authorization processing;
step 105: and processing the service transaction request after determining that the certificate identification, the unique user identification and the corresponding account information are subjected to associated authorization processing.
The business handling method provided by the embodiment of the invention is not limited by financial institution certificates, and can handle various businesses in different financial institutions only by carrying effective identity certificates, thereby reducing the risk of loss or overdue of the user certificates and improving the business handling efficiency.
The following describes in detail each step related to the business handling method in the embodiment of the present invention with reference to fig. 2 to 3.
As shown in fig. 2 and fig. 3, the service handling scheme provided by the embodiment of the present invention is mainly divided into four parts, which are: certificate insertion verification, identity certificate verification, client number (user unique identification) search and verification, and signing a 'media-free payment' protocol (a protocol for transacting business with identity certificates). These four sections are described in detail below.
In one embodiment, the identity document may include: the second generation ID card, one of the inward passage of the harbor and Macau station, passport and military officer card.
Firstly, certificate insertion and verification: i.e. the customer inserts a valid identity document as a medium for the identification of the automated intelligent teller machine (but also other types of banking terminals).
In specific implementation, the certificate information in the user identity certificate is read, and the certificate information can be acquired from the identity certificate (such as a preset chip) which is stored in advance by inserting into a card slot of the service handling terminal; the certificate information in the preset chip of the identity certificate can be read by placing the certificate on an identification card table of the business handling terminal; the identification information in the identification image information can also be identified by acquiring the image information of the identification document and then using methods such as OCR recognition as shown in fig. 3.
In one embodiment, the certificate information may further include: the certificate valid date; the service handling method can also comprise the following steps: detecting the validity of the user identity document according to the document valid date to obtain a detection result;
receiving a photographed face image of a user may include:
when the detection result is valid, sending a shooting instruction to the image shooting equipment;
and receiving the shot face image of the user fed back according to the shooting instruction.
During specific implementation, before the face recognition process, the validity of the certificate is detected, and the efficiency and the safety of business handling are further improved.
In particular embodiments, the validity check of the document may include checking whether the valid date of the document is later than the current date as shown in FIG. 3.
In specific implementation, the verification scheme of the part one may further include: and judging whether the certificate holder is over 16 years old, if not, refusing to handle the service request, and improving the efficiency and safety of service handling.
And secondly, identity document auditing, namely, providing related information of the document by a client, and determining the validity of the document and the unification of the document and a certificate holder by matching with face verification and manual auditing, so that the efficiency and the safety of business handling are improved.
In one embodiment, the certificate information may further include: a user name; the certificate identification can be a certificate number; the service handling method can also comprise the following steps:
identifying the certificate type according to the certificate information;
identifying the service type according to the service handling request;
performing networking identity query processing according to the user name, the certificate number, the certificate type and the service type to obtain a networking identity query result;
receiving a photographed face image of a user may include:
when the networking identity query result is passed, sending a shooting instruction to the image shooting equipment;
and receiving the shot face image of the user fed back according to the shooting instruction.
When the method is specifically implemented, the network identity query processing is carried out in combination with the service type, and when the network identity query result is passed, the subsequent face recognition processing and the service handling are carried out, so that the efficiency and the safety of the service handling are improved.
The following example illustrates a scheme of performing networking identity query processing in combination with a service type, for example, the service type is a large loan service, and the networking identity query processing is performed through a user name, a certificate number, a certificate type and a service type, and an obtained networking identity query result is: the credit degree of the user is extremely low, and the user refuses to handle the large-amount loan service under the adverse conditions of insufficient loan and the like. For another example, if the service type is deposit, then the user may be allowed to transact the deposit service even if the user has a low credit as a result of the network query.
Thirdly, searching and checking the client number, namely the steps 103 to 104: the corresponding client number (user unique identification) is searched through the effective identity document information, if yes, the matching of the client number and the identity document is verified (whether the certificate identification, the user unique identification and the corresponding account information are subjected to associated authorization processing or not is determined, namely whether a protocol capable of transacting services through the identity document is signed or not before or whether the agreement exists or not is determined), and if not, whether the card is opened or not is prompted.
Fourthly, after signing the 'no medium payment' protocol, the business can be normally transacted, namely, the step 105: and processing the service transaction request after determining that the certificate identification, the unique user identification and the corresponding account information are subjected to associated authorization processing, namely determining that a protocol capable of transacting services through the identity certificate is signed before, and performing service transaction if the protocol is agreed.
In an embodiment, the service handling method may further include:
sending out association authorization prompt information after determining that account information corresponding to the certificate identification and the unique user identification is not subjected to association authorization processing;
and processing the service handling request after receiving the association authorization confirmation information of the user and performing corresponding association authorization processing.
When the identity document is used by a client for the first time to transact business at the intelligent teller machine, a medium-free payment protocol needs to be signed (repeated signing is not needed for transacting again), and then the business can be transacted by the identity document, so that the business transaction efficiency and safety are improved.
For the convenience of understanding, the scheme related to the embodiment of the invention is described in the following with reference to fig. 3.
Firstly, according to the identity document used by the client, the validity of the document is checked, and the identity of the client, the type of the document and the like are identified.
And then, after the preliminary judgment is passed, entering an identity verification link. The face recognition is required to be completed, the online check is completed according to the factors such as the name, the certificate type, the certificate number and the like, the on-site identity verification can be completed through the assistance of a bank service specialist, the information data of the provided client is checked, and the safety of service handling is further improved.
Then, the client information (the unique user identification and the corresponding account information) which is consistent with the identity document is searched in the bank system, and whether the client can continuously handle the business is confirmed. If the client does not become the client of the bank, the client is prompted to conduct account opening business handling.
Finally, the customer uses the identity document to transact business in the intelligent teller machine for the first time and needs to sign a 'media-free payment' protocol (repeated signing is not needed for transacting again, the protocol represents that the certificate identification, the unique user identification and the corresponding account information are associated and authorized, namely, business transacting can be performed through the identity document subsequently), and then business transacting can be performed by the identity document.
The technical scheme provided by the embodiment of the invention can be applied to banking business handling and business handling of other financial institutions.
In conclusion, the embodiment of the invention realizes that a plurality of services can be handled in different banks only by a client carrying an effective identity certificate without being limited by bank certificates, reduces the risk of losing certificates or overdue certificates of the client and improves the efficiency of service handling.
Based on the same inventive concept, the embodiment of the present invention further provides a service handling apparatus, as described in the following embodiments. Since the principle of solving the problem of the business handling device is similar to that of the business handling method, the … implementation of the device can be referred to the implementation of the business handling method, and repeated details are not repeated. As used hereinafter, the term "unit" or "module" may be a combination of software and/or hardware that implements a predetermined function. Although the means described in the embodiments below are preferably implemented in software, an implementation in hardware, or a combination of software and hardware is also possible and contemplated.
Fig. 4 is a schematic structural diagram of a service handling apparatus in an embodiment of the present invention, and as shown in fig. 4, the apparatus includes:
the acquisition unit 01 is used for acquiring certificate information in the user identity certificate when receiving a service transaction request of a user; the certificate information includes: a user facial image and a certificate identification;
a face recognition unit 02 for receiving a photographed face image of a user; comparing the user face image acquired from the identity document with the shot user face image to obtain a comparison result;
the searching unit 03 is used for searching the user unique identifier corresponding to the certificate identifier in the financial institution system when the comparison result is consistent;
the determining unit 04 is configured to determine whether the certificate identifier, the user unique identifier and the corresponding account information are subjected to associated authorization processing when the user unique identifier is found;
and the processing unit 05 is used for processing the service transaction request after determining that the certificate identification, the user unique identification and the corresponding account information are subjected to associated authorization processing.
In specific implementation, the business handling device may be an intelligent teller machine of a bank, or may be a terminal for handling other businesses of the bank.
In one embodiment, the certificate information may further include: the certificate valid date; the business handling device can further comprise: the detection unit is used for detecting the validity of the user identity document according to the document valid date to obtain a detection result;
the face recognition unit may be specifically configured to:
when the detection result is valid, sending a shooting instruction to the image shooting equipment;
and receiving the shot face image of the user fed back according to the shooting instruction.
In one embodiment, the certificate information may further include: a user name; the certificate identification can be a certificate number; the business handling device can further comprise:
the certificate type identification unit is used for identifying the certificate type according to the certificate information;
the service type identification unit is used for identifying the service type according to the service handling request;
the network inquiry unit is used for carrying out network identity inquiry processing according to the user name, the certificate number, the certificate type and the service type to obtain a network identity inquiry result;
the face recognition unit may be specifically configured to:
when the networking identity query result is passed, sending a shooting instruction to the image shooting equipment;
and receiving the shot face image of the user fed back according to the shooting instruction.
In one embodiment, the service handling apparatus may further include:
the prompting unit is used for sending out association authorization prompting information after determining that the account information corresponding to the certificate identification and the user unique identification is not subjected to association authorization processing;
and the authorization and service processing unit is used for processing the service handling request after receiving the associated authorization confirmation information of the user and performing corresponding associated authorization processing.
In one embodiment, the identity document may include: the second generation ID card, one of the inward passage of the harbor and Macau station, passport and military officer card.
The embodiment of the invention also provides computer equipment which comprises a memory, a processor and a computer program which is stored on the memory and can run on the processor, wherein the processor realizes the business handling method when executing the computer program.
The embodiment of the invention also provides a computer readable storage medium, and the computer readable storage medium stores a computer program for executing the business handling method.
The embodiment of the invention provides a service handling scheme which has the following beneficial technical effects: the financial institution such as banking business can be handled only by using the identity document without carrying a bank card every time, and as the bank cards can be opened at different banks and a plurality of cards can be opened at the same bank, the identity document has uniqueness, thereby avoiding the situation of repeated round trip caused by forgetting to carry or carrying by mistake, providing high fault-tolerant rate and efficiency for customers, and simultaneously improving the safety of business handling.
As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
The above description is only a preferred embodiment of the present invention, and is not intended to limit the present invention, and various modifications and changes may be made to the embodiment of the present invention by those skilled in the art. Any modification, equivalent replacement, or improvement made within the spirit and principle of the present invention should be included in the protection scope of the present invention.
Claims (10)
1. A method for transaction, comprising:
acquiring certificate information in a user identity certificate when a service transaction request of a user is received; the certificate information includes: a user facial image and a certificate identification;
receiving a photographed face image of a user; comparing the user face image acquired from the identity document with the shot user face image to obtain a comparison result;
when the comparison result is consistent, searching the unique user identification corresponding to the certificate identification in the financial institution system;
when the unique user identifier is found, determining whether the certificate identifier, the unique user identifier and the corresponding account information are subjected to associated authorization processing;
and processing the service transaction request after determining that the certificate identification, the unique user identification and the corresponding account information are subjected to associated authorization processing.
2. The business transaction method of claim 1, wherein the credential information further comprises: the certificate valid date; the business handling method further comprises the following steps: detecting the validity of the user identity document according to the document valid date to obtain a detection result;
receiving a captured image of a face of a user, comprising:
when the detection result is valid, sending a shooting instruction to the image shooting equipment;
and receiving the shot face image of the user fed back according to the shooting instruction.
3. The business transaction method of claim 1, wherein the credential information further comprises: a user name; the certificate identification is a certificate number; the business handling method further comprises the following steps:
identifying the certificate type according to the certificate information;
identifying the service type according to the service handling request;
performing networking identity query processing according to the user name, the certificate number, the certificate type and the service type to obtain a networking identity query result;
receiving a captured image of a face of a user, comprising:
when the networking identity query result is passed, sending a shooting instruction to the image shooting equipment;
and receiving the shot face image of the user fed back according to the shooting instruction.
4. The business transaction method of claim 1, further comprising:
sending out association authorization prompt information after determining that account information corresponding to the certificate identification and the unique user identification is not subjected to association authorization processing;
and processing the service handling request after receiving the association authorization confirmation information of the user and performing corresponding association authorization processing.
5. A method of transaction as claimed in claim 1, wherein the identity document comprises: the second generation ID card, one of the inward passage of the harbor and Macau station, passport and military officer card.
6. A transaction apparatus, comprising:
the acquisition unit is used for acquiring certificate information in the user identity certificate when receiving a service transaction request of a user; the certificate information includes: a user facial image and a certificate identification;
a face recognition unit for receiving a photographed face image of a user; comparing the user face image acquired from the identity document with the shot user face image to obtain a comparison result;
the searching unit is used for searching the user unique identification corresponding to the certificate identification in the financial institution system when the comparison result is consistent;
the determining unit is used for determining whether the certificate identification, the user unique identification and the corresponding account information are subjected to associated authorization processing when the user unique identification is found;
and the processing unit is used for processing the service transaction request after determining that the certificate identification, the user unique identification and the corresponding account information are subjected to associated authorization processing.
7. The transaction arrangement of claim 6, wherein the credential information further comprises: the certificate valid date; the service handling device further comprises: the detection unit is used for detecting the validity of the user identity document according to the document valid date to obtain a detection result;
the face recognition unit is specifically configured to:
when the detection result is valid, sending a shooting instruction to the image shooting equipment;
and receiving the shot face image of the user fed back according to the shooting instruction.
8. The transaction arrangement of claim 6, wherein the credential information further comprises: a user name; the certificate identification is a certificate number; the service handling device further comprises:
the certificate type identification unit is used for identifying the certificate type according to the certificate information;
the service type identification unit is used for identifying the service type according to the service handling request;
the network inquiry unit is used for carrying out network identity inquiry processing according to the user name, the certificate number, the certificate type and the service type to obtain a network identity inquiry result;
the face recognition unit is specifically configured to:
when the networking identity query result is passed, sending a shooting instruction to the image shooting equipment;
and receiving the shot face image of the user fed back according to the shooting instruction.
9. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the method of any one of claims 1 to 5 when executing the computer program.
10. A computer-readable storage medium, characterized in that the computer-readable storage medium stores a computer program for executing the method of any one of claims 1 to 5.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202010400719.XA CN111553312A (en) | 2020-05-13 | 2020-05-13 | Business handling method and device |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202010400719.XA CN111553312A (en) | 2020-05-13 | 2020-05-13 | Business handling method and device |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN111553312A true CN111553312A (en) | 2020-08-18 |
Family
ID=72006229
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN202010400719.XA Pending CN111553312A (en) | 2020-05-13 | 2020-05-13 | Business handling method and device |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN111553312A (en) |
Cited By (9)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN112182653A (en) * | 2020-09-27 | 2021-01-05 | 中国建设银行股份有限公司 | Service processing method, device, equipment and storage medium |
| CN113259869A (en) * | 2021-05-18 | 2021-08-13 | 中国银行股份有限公司 | Old people bank branch counter business handling method and device based on 5G message |
| CN113407919A (en) * | 2021-05-25 | 2021-09-17 | 中国农业银行股份有限公司 | Business operation verification method, device, equipment and storage medium |
| CN113449673A (en) * | 2021-07-09 | 2021-09-28 | 中国银行股份有限公司 | Certificate identification and verification method and device |
| CN113592695A (en) * | 2021-08-06 | 2021-11-02 | 国网安徽省电力有限公司电力科学研究院 | Identity information security authorization system and method |
| CN113642468A (en) * | 2021-08-16 | 2021-11-12 | 中国银行股份有限公司 | Identity authentication method and device |
| CN113688362A (en) * | 2021-08-25 | 2021-11-23 | 中国工商银行股份有限公司 | Identity card information security processing method and device |
| CN113838238A (en) * | 2021-09-26 | 2021-12-24 | 北京紫光展锐通信技术有限公司 | Service processing method, device and equipment |
| CN115514915A (en) * | 2022-09-28 | 2022-12-23 | 数字广东网络建设有限公司 | Electronic certificate submitting method, device, equipment and medium for remote service handling |
Citations (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2015107138A1 (en) * | 2014-01-16 | 2015-07-23 | Bundesdruckerei Gmbh | Method for identifying a user by means of a communication device |
| CN108335026A (en) * | 2018-01-24 | 2018-07-27 | 平安科技（深圳）有限公司 | Bank password information changes implementation method, equipment, system and storage medium |
| CN109410026A (en) * | 2018-02-09 | 2019-03-01 | 深圳壹账通智能科技有限公司 | Identity identifying method, device, equipment and storage medium based on recognition of face |
| CN109816521A (en) * | 2019-01-31 | 2019-05-28 | 中国银行股份有限公司 | A kind of banking processing method, apparatus and system |
| CN110086799A (en) * | 2019-04-23 | 2019-08-02 | 广州腾讯科技有限公司 | Auth method and device |
| CN110675170A (en) * | 2019-09-27 | 2020-01-10 | 支付宝(杭州)信息技术有限公司 | Credit-based certificate guarantee method and device |
-
2020
- 2020-05-13 CN CN202010400719.XA patent/CN111553312A/en active Pending
Patent Citations (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2015107138A1 (en) * | 2014-01-16 | 2015-07-23 | Bundesdruckerei Gmbh | Method for identifying a user by means of a communication device |
| CN108335026A (en) * | 2018-01-24 | 2018-07-27 | 平安科技（深圳）有限公司 | Bank password information changes implementation method, equipment, system and storage medium |
| CN109410026A (en) * | 2018-02-09 | 2019-03-01 | 深圳壹账通智能科技有限公司 | Identity identifying method, device, equipment and storage medium based on recognition of face |
| CN109816521A (en) * | 2019-01-31 | 2019-05-28 | 中国银行股份有限公司 | A kind of banking processing method, apparatus and system |
| CN110086799A (en) * | 2019-04-23 | 2019-08-02 | 广州腾讯科技有限公司 | Auth method and device |
| CN110675170A (en) * | 2019-09-27 | 2020-01-10 | 支付宝(杭州)信息技术有限公司 | Credit-based certificate guarantee method and device |
Cited By (11)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN112182653A (en) * | 2020-09-27 | 2021-01-05 | 中国建设银行股份有限公司 | Service processing method, device, equipment and storage medium |
| CN113259869A (en) * | 2021-05-18 | 2021-08-13 | 中国银行股份有限公司 | Old people bank branch counter business handling method and device based on 5G message |
| CN113407919A (en) * | 2021-05-25 | 2021-09-17 | 中国农业银行股份有限公司 | Business operation verification method, device, equipment and storage medium |
| CN113407919B (en) * | 2021-05-25 | 2024-05-24 | 中国农业银行股份有限公司 | Service operation verification method, device, equipment and storage medium |
| CN113449673A (en) * | 2021-07-09 | 2021-09-28 | 中国银行股份有限公司 | Certificate identification and verification method and device |
| CN113592695A (en) * | 2021-08-06 | 2021-11-02 | 国网安徽省电力有限公司电力科学研究院 | Identity information security authorization system and method |
| CN113592695B (en) * | 2021-08-06 | 2024-02-02 | 国网安徽省电力有限公司电力科学研究院 | Identity information security authorization system and method |
| CN113642468A (en) * | 2021-08-16 | 2021-11-12 | 中国银行股份有限公司 | Identity authentication method and device |
| CN113688362A (en) * | 2021-08-25 | 2021-11-23 | 中国工商银行股份有限公司 | Identity card information security processing method and device |
| CN113838238A (en) * | 2021-09-26 | 2021-12-24 | 北京紫光展锐通信技术有限公司 | Service processing method, device and equipment |
| CN115514915A (en) * | 2022-09-28 | 2022-12-23 | 数字广东网络建设有限公司 | Electronic certificate submitting method, device, equipment and medium for remote service handling |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| CN111553312A (en) | Business handling method and device | |
| US10558967B2 (en) | Mobile phone payment system using integrated camera credit card reader | |
| US9836726B2 (en) | Internet payment system using credit card imaging | |
| US8682798B2 (en) | Method and system using universal ID and biometrics | |
| US10671988B2 (en) | Methods and systems for processing an electronic payment | |
| US20200143377A1 (en) | Systems and methods for user identity authentication | |
| CN112036890B (en) | Customer identity authentication method and device | |
| US20230084897A1 (en) | Registration and payment method, device, and system using face information | |
| CN106485851A (en) | A kind of nothing card automatic teller machine and nothing card withdrawal system | |
| Dutta et al. | ATM card security using bio-metric and message authentication technology | |
| CN111932270A (en) | Method and device for bank customer identity verification | |
| Sangeetha et al. | Biometric based fingerprint verification system for ATM machines | |
| KR20170052126A (en) | Method for Non-faced Multi-authenticating for Creating Financial Information | |
| CA2851898A1 (en) | Biometric-based transaction fraud detection | |
| KR20120013881A (en) | Loaning method using kiosk system | |
| WO2017127237A1 (en) | Payment vehicle with encrypted image | |
| WO2022057682A1 (en) | Data processing method and device, and computer-readable storage medium | |
| US20170193757A1 (en) | Method And System For Changing An Amount Of A First Denomination At An Automated Teller Machine | |
| JP6763558B2 (en) | Trading systems, ATMs, servers, trading methods and programs | |
| CN113450090A (en) | Transaction method of acceptance terminal device and digital currency wallet and acceptance terminal device | |
| CN111932800A (en) | Security verification method and device | |
| CN111985913A (en) | Card-free transaction method and device and server | |
| Ahamed et al. | A review report on the fingerprint-based biometric system in ATM banking | |
| JP2006099313A (en) | Transaction system | |
| CN115222413A (en) | Double-card reading equipment and double-card information processing method and 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 | ||
| RJ01 | Rejection of invention patent application after publication |
Application publication date: 20200818 |
|
| RJ01 | Rejection of invention patent application after publication |