CN111753271A - Account opening identity verification method, account opening identity verification device, account opening identity verification equipment and account opening identity verification medium based on AI identification - Google Patents
Account opening identity verification method, account opening identity verification device, account opening identity verification equipment and account opening identity verification medium based on AI identification Download PDFInfo
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Abstract
The invention relates to artificial intelligence and provides an account opening identity verification method, device, equipment and medium based on AI identification. The method can extract customer information, when the customer information is the same customer information, the customer is determined as a target customer, terminal equipment is determined, an identity card picture uploaded through the terminal equipment is obtained, when the identity card picture belongs to the target customer, a face video is obtained, when the target customer passes through the activity detection, an image to be detected and a voiceprint feature to be detected are extracted, a target image and a target voiceprint feature corresponding to the customer information are obtained, the image to be detected and the target image are compared to obtain a first similarity, the voiceprint feature to be detected and the target voiceprint feature are compared to obtain a second similarity, the first similarity and the second similarity are weighted and operated to obtain a target score, and when the target score is larger than a preset threshold value, an account is created. The invention also relates to a blockchain, wherein the accounts can be stored in the blockchain.
Description
Technical Field
The invention relates to the technical field of biological identification, in particular to an account opening identity verification method, device, equipment and medium based on AI identification.
Background
At present, when a customer opens a bank account, the customer is often required to go to a physical network for business transaction, however, on one hand, with the development of macro economy, the network coverage capacity of the bank network is limited due to the shortage of network resources off a bank line, so that the energy and the time consumed by the customer for going to the network for transaction are increased, on the other hand, during the network business period, the customer generally needs to go to work, therefore, the customer hardly has time to go to the network for transaction, and great inconvenience is brought to the customer.
In order to overcome the above difficulties, remote account opening methods have also come along. However, in the current remote account opening method, the stolen face image is easily used by an illegal person to perform remote account opening, so that whether a client needing account opening and a client in the image for comparison are the same person cannot be accurately verified.
Disclosure of Invention
In view of the above, it is desirable to provide an account opening authentication method, device, apparatus and medium based on AI identification, which can complete authentication on a target client from multiple dimensions, and improve the accuracy of authentication.
An account opening identity verification method based on AI identification comprises the following steps:
when a remote account opening request is received, extracting a plurality of pieces of client information from the remote account opening request, and detecting whether the plurality of pieces of client information are information of the same client;
when the information of the plurality of clients is detected to be the information of the same client, determining the client as a target client and determining the terminal equipment of the target client;
acquiring an identity card picture uploaded by the terminal equipment, and verifying whether the identity card picture belongs to the identity card of the target client or not;
when the identity card picture belongs to the identity card of the target client, starting a camera device in the terminal equipment to acquire a face video of the target client in real time, and performing living body detection on the face video;
when the target client passes through the live examination, extracting an image to be detected and voiceprint characteristics to be detected of the target client from the face video;
acquiring a target image and target voiceprint characteristics from a configuration library based on the plurality of client information;
comparing the image to be detected with the target image to obtain a first similarity, and comparing the voiceprint feature to be detected with the target voiceprint feature to obtain a second similarity;
according to a preset weight, carrying out weighted sum operation on the first similarity and the second similarity to obtain a target score;
and when the target score is larger than a preset threshold value, creating an account according to the remote account opening request.
According to the preferred embodiment of the present invention, the account opening authentication method based on AI identification further includes:
screening a white list based on a big data technology, and sending invitation information to a client corresponding to a user in the white list;
receiving user information which is acquired by the client and corresponds to the invitation information;
generating a two-dimensional code according to the user information;
and packaging the two-dimension code to obtain the remote account opening request.
According to a preferred embodiment of the present invention, the verifying whether the identification card picture belongs to the identification card of the target customer includes:
recognizing a name to be verified from the identity card picture by using an OCR technology;
extracting names from the customer information, and detecting whether the names to be verified are the same as the names;
when the name to be verified is the same as the name, identifying the valid period of the name to be verified from the identity card picture;
extracting the identity card information corresponding to the name from a preset library, and extracting the latest valid period from the identity card information to be used as a target valid period;
detecting whether the valid period to be verified is the same as the target valid period or not;
and when the valid period to be verified is the same as the target valid period, determining that the identity card picture belongs to the identity card of the target client.
According to a preferred embodiment of the present invention, the live body detection on the face video includes:
acquiring multi-frame images of the target client at different positions relative to the camera device in the face video;
extracting a plurality of key point information on each frame of image in the multi-frame images by using an ASM algorithm;
for each frame of image, calculating the distance of each key point information pair, wherein each key point information pair is composed of any two key point information;
for each frame of image, calculating the distance between the double pupils in each frame of image to obtain the pupil distance, and calculating the ratio of the distance of each key point information pair to the pupil distance to obtain a plurality of ratios;
and inputting the ratios in each frame of image into a pre-trained living body detection model to obtain a detection result.
According to the preferred embodiment of the present invention, before inputting the plurality of ratios in each frame of image into the pre-trained in-vivo detection model, the method for authenticating an account opening based on AI identification further includes:
acquiring multi-frame historical images of a plurality of objects by utilizing a web crawler technology, wherein the plurality of objects comprise living objects and non-living objects;
calculating a plurality of historical ratios according to the multi-frame historical images, and constructing a sample data set based on the plurality of historical ratios;
dividing sample data in the sample data set to obtain a training data set and a verification data set;
training sample data in the training data set to obtain a learner;
and adjusting the learner by using the sample data in the verification data set to obtain the in-vivo detection model.
According to the preferred embodiment of the present invention, the extracting the image to be detected and the voiceprint feature to be detected of the target client from the face video includes:
carrying out image recognition on any frame in the face video, and carrying out edge tracing processing on the recognized image to obtain the image to be detected;
carrying out voice separation processing on the face video, and determining the voice obtained by separation as the audio to be detected;
carrying out blocking processing on the audio to be detected to obtain an audio region set;
and extracting the characteristic parameters corresponding to any frame in the audio region set to obtain the voiceprint characteristics to be detected.
According to the preferred embodiment of the present invention, the account is stored in a block chain, and after the account is created according to the remote account opening request, the method for authenticating an account opening identity based on AI identification further includes:
acquiring a request number of the remote account opening request;
generating prompt information according to the request number and the account;
encrypting the prompt information by adopting a symmetric encryption technology to obtain a ciphertext;
sending the ciphertext to the terminal equipment, and receiving signature information sent by the terminal equipment;
verifying whether the signature information is handwriting of the target customer;
and when the signature information is handwriting of the target customer, determining that the account is successfully created.
An account opening authentication device based on AI identification, the account opening authentication device based on AI identification comprises:
the remote account opening device comprises a detection unit, a processing unit and a processing unit, wherein the detection unit is used for extracting a plurality of pieces of client information from a remote account opening request when the remote account opening request is received, and detecting whether the plurality of pieces of client information are information of the same client or not;
the determining unit is used for determining the client as a target client and determining the terminal equipment of the target client when the plurality of client information are detected to be information of the same client;
the verification unit is used for acquiring the identity card picture uploaded by the terminal equipment and verifying whether the identity card picture belongs to the identity card of the target client;
the detection unit is further used for starting a camera device in the terminal equipment to acquire a face video of the target client in real time and carrying out living body detection on the face video when the identification card picture belongs to the identification card of the target client;
the extracting unit is used for extracting the image to be detected and the voiceprint features to be detected of the target client from the face video when the target client detects the living body;
the acquisition unit is used for acquiring a target image and a target voiceprint characteristic from a configuration library based on the plurality of client information;
the comparison unit is used for comparing the image to be detected with the target image to obtain a first similarity, and comparing the voiceprint feature to be detected with the target voiceprint feature to obtain a second similarity;
the operation unit is used for carrying out weighted sum operation on the first similarity and the second similarity according to preset weight to obtain a target score;
and the creating unit is used for creating an account according to the remote account opening request when the target score is larger than a preset threshold value.
An electronic device, the electronic device comprising:
a memory storing at least one instruction; and
and the processor executes the instructions stored in the memory to realize the account opening identity verification method based on AI identification.
A computer-readable storage medium having at least one instruction stored therein, the at least one instruction being executable by a processor in an electronic device to implement the AI-recognition-based account opening authentication method.
According to the technical scheme, whether the identity card picture belongs to the identity card of the target client or not is verified, so that the identity authentication of others by using a failed identity card can be avoided, the safety of remote account opening is improved, the face video can be obtained by starting the camera module of the terminal device, the face video can be quickly obtained without additional equipment, resources are saved, in addition, the face video can be prevented from being deceived by illegal molecular use of masks, photos and the like through in-vivo detection, meanwhile, the identity authentication of the target client can be completed from multiple dimensions through verification of the image to be detected and the voiceprint characteristics to be detected, and the accuracy of the identity authentication is improved.
Drawings
FIG. 1 is a flowchart illustrating an AI-based account opening authentication method according to a preferred embodiment of the present invention.
Fig. 2 is a functional block diagram of an account opening authentication apparatus based on AI identification according to a preferred embodiment of the present invention.
Fig. 3 is a schematic structural diagram of an electronic device implementing an account opening authentication method based on AI identification according to a preferred embodiment of the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the present invention more apparent, the present invention will be described in detail with reference to the accompanying drawings and specific embodiments.
Fig. 1 is a flowchart illustrating an account opening authentication method based on AI identification according to a preferred embodiment of the present invention. The order of the steps in the flow chart may be changed and some steps may be omitted according to different needs.
The account opening identity verification method based on AI identification is applied to one or more electronic devices, which are devices capable of automatically performing numerical calculation and/or information processing according to preset or stored instructions, and the hardware of the electronic devices includes but is not limited to a microprocessor, an Application Specific Integrated Circuit (ASIC), a Programmable Gate Array (FPGA), a Digital Signal Processor (DSP), an embedded device, and the like.
The electronic device may be any electronic product capable of performing human-computer interaction with a user, for example, a Personal computer, a tablet computer, a smart phone, a Personal Digital Assistant (PDA), a game machine, an interactive Internet Protocol Television (IPTV), an intelligent wearable device, and the like.
The electronic device may also include a network device and/or a user device. The network device includes, but is not limited to, a single network server, a server group consisting of a plurality of network servers, or a cloud computing (cloud computing) based cloud consisting of a large number of hosts or network servers.
The Network where the electronic device is located includes, but is not limited to, the internet, a wide area Network, a metropolitan area Network, a local area Network, a Virtual Private Network (VPN), and the like.
In at least one embodiment of the invention, the invention relates to artificial intelligence.
S10, when receiving a remote account opening request, extracting a plurality of pieces of client information from the remote account opening request, and detecting whether the plurality of pieces of client information are information of the same client.
In at least one embodiment of the invention, the plurality of customer information is a parameter of a macro-economic research analysis.
In at least one embodiment of the invention, the remote account opening request is obtained by packaging a two-dimensional code. The plurality of customer information may include, but is not limited to: name, identification card number and mobile phone number.
In at least one embodiment of the invention, the method further comprises:
the electronic equipment screens a white list based on a big data technology and sends invitation information to a client corresponding to a user in the white list, furthermore, the electronic equipment receives user information which is collected by the client and corresponds to the invitation information, the electronic equipment generates a two-dimensional code according to the user information, and the electronic equipment packages the two-dimensional code to obtain the remote account opening request.
By screening the white list, the condition that the client who carries out remote account opening is an illegal member can be avoided, and the safety of remote account opening is improved.
In at least one embodiment of the invention, the electronic device extracting a plurality of customer information from the remote account opening request comprises:
the electronic equipment acquires a label, further extracts information corresponding to the label from all information carried by the remote account opening request to serve as a target two-dimensional code, and further identifies the target two-dimensional code to obtain the plurality of customer information.
Through the mapping relation between the label and the two-dimension code, the target two-dimension code can be accurately determined, and then the plurality of customer information can be accurately obtained.
In at least one embodiment of the present invention, the electronic device determines a client to which each piece of client information belongs, and determines that the pieces of client information are information of the same client when clients corresponding to all pieces of client information in the pieces of client information are the same client.
And S11, when the information of the plurality of clients is detected to be the information of the same client, determining the client as a target client and determining the terminal equipment of the target client.
In at least one embodiment of the present invention, the terminal device refers to a device to which the target client belongs.
S12, obtaining the ID card picture uploaded by the terminal equipment, and verifying whether the ID card picture belongs to the ID card of the target client.
In at least one embodiment of the present invention, the electronic device verifying whether the identification card picture belongs to the identification card of the target client includes:
the electronic device identifies the name to be verified from the identification card picture by using an OCR (Optical Character Recognition) technique, and further, the electronic device extracts a name from the plurality of customer information and detects whether the name to be verified is the same as the name, when the name to be verified is the same as the name, the electronic equipment identifies the valid period of the name to be verified from the identity card picture, the electronic equipment extracts identity card information corresponding to the name from a preset library, and extracts the latest valid period from the identification card information as a target valid period, and further, the electronic device detects whether the validity period to be verified is the same as the target validity period, and when the valid period to be verified is the same as the target valid period, the electronic equipment determines that the identity card picture belongs to the identity card of the target client.
Wherein, the preset library can be a public security library.
Whether the name to be verified is the same as the name or not is detected, the identity card picture and the target client can be ensured to be the same client, and further, whether the valid period of the name to be verified is the same as the target valid period or not is detected, so that the condition that other people use invalid identity cards to perform identity verification can be avoided, and the safety of remote account opening is improved.
And S13, when the identification card picture belongs to the identification card of the target client, starting a camera in the terminal equipment to acquire the face video of the target client in real time, and carrying out living body detection on the face video.
In at least one embodiment of the present invention, the electronic device performing live body detection on the face video includes:
the electronic equipment obtains multi-frame images of the target client at different positions relative to the camera device in the face video, further extracts multiple pieces of key point information on each frame of image in the multi-frame images by using an ASM (active Shape model) algorithm, calculates the distance of each key point information pair for each frame of image, wherein each key point information pair is composed of any two pieces of key point information, calculates the distance between two pupils in each frame of image to obtain a pupil distance, calculates the ratio of the distance of each key point information pair to the pupil distance to obtain multiple ratios, and inputs the multiple ratios in each frame of image into a pre-trained living body detection model to obtain a detection result.
The multiframe images are acquired from the face video, the multiframe images can be acquired without a plurality of additional devices, resources are saved, in addition, the attack of an attacker on a living body detection system can be resisted by carrying out living body detection on the face video, the safety of the living body detection system is improved, meanwhile, the interaction with a user is simple, the detection time can be shortened, and the detection efficiency is improved.
In at least one embodiment of the invention, the electronic device performs live body detection on the face video, so that illegal molecules can be prevented from being deceived by using masks, photos and other means.
In at least one embodiment of the present invention, the detection result includes that the target client passes the live body test, and that the target client fails the live body test.
In at least one embodiment of the present invention, before inputting the plurality of ratios in each frame of image into the pre-trained in vivo detection model, the method further comprises:
the electronic equipment acquires multi-frame historical images of a plurality of objects by utilizing a web crawler technology, wherein the plurality of objects comprise living objects and non-living objects, the electronic equipment calculates a plurality of historical ratios according to the multi-frame historical images and constructs a sample data set based on the plurality of historical ratios, furthermore, the electronic equipment divides the sample data in the sample data set to obtain a training data set and a verification data set, the electronic equipment trains the sample data in the training data set to obtain a learner, and the electronic equipment adjusts the learner by using the sample data in the verification data set to obtain the living detection model.
Specifically, the dividing, by the electronic device, the sample data in the sample data set to obtain a training data set and a verification data set includes:
and the electronic equipment randomly divides the sample data in the sample data set into at least one data packet according to a preset proportion, determines any one data packet in the at least one data packet as the verification data set, determines the rest data packets as the training data set, and repeats the steps until all the data packets are sequentially used as the verification data set.
The preset ratio can be set by user, and the invention is not limited.
By the above embodiment, each sample data in the sample data set is involved in training and verification, thereby improving the fitting degree of training the living body detection model.
S14, when the target client detects through the living body, extracting the image to be detected and the voiceprint feature to be detected of the target client from the face video.
In at least one embodiment of the present invention, the extracting, by the electronic device, the image to be detected and the voiceprint feature to be detected of the target client from the face video includes:
the electronic equipment carries out image recognition on any frame in the face video and carries out edge tracing processing on the recognized image to obtain the image to be detected, furthermore, the electronic equipment carries out voice separation processing on the face video and determines the voice obtained through separation as the audio to be detected, the electronic equipment carries out block processing on the audio to be detected to obtain an audio region set, and the electronic equipment extracts characteristic parameters corresponding to any frame in the audio region set to obtain the voiceprint characteristics to be detected.
And S15, acquiring the target image and the target voiceprint characteristics from the configuration library based on the plurality of client information.
In at least one embodiment of the invention, the configuration library stores a plurality of mapping relations between the clients and the images and stores a plurality of mapping relations between the clients and the voiceprint features.
In at least one embodiment of the present invention, the electronic device extracts, as the target image, an image corresponding to the plurality of pieces of client information from the configuration library, and at the same time, the electronic device extracts, as the target voiceprint feature, a voiceprint feature corresponding to the plurality of pieces of client information from the configuration library.
S16, comparing the image to be detected with the target image to obtain a first similarity, and comparing the voiceprint feature to be detected with the target voiceprint feature to obtain a second similarity.
In at least one embodiment of the present invention, a manner in which the electronic device compares the image to be detected with the target image and a manner in which the electronic device compares the voiceprint feature to be detected with the target voiceprint feature to obtain the second similarity belong to the prior art, and details thereof are not repeated herein.
And S17, performing weighted sum operation on the first similarity and the second similarity according to preset weight to obtain a target score.
In at least one embodiment of the present invention, the preset weight may be a weight of the first similarity or a weight of the second similarity, when the preset weight is the weight of the first similarity, the electronic device multiplies the first similarity by the preset weight to obtain a first score, the electronic device subtracts the preset weight from a value 1 to obtain a target weight, multiplies the second similarity by the target weight to obtain a second score, and adds the first score to the second score to obtain the target score.
And S18, when the target score is larger than a preset threshold value, creating an account according to the remote account opening request.
It is emphasized that the accounts may also be stored in a node of a blockchain in order to further ensure the privacy and security of the accounts.
In at least one embodiment of the invention, before creating an account according to the remote account opening request, the method further comprises:
and the electronic equipment acquires the fingerprint information of the target client in real time and verifies the fingerprint information.
In at least one embodiment of the invention, after creating an account according to the remote account opening request, the method further comprises:
the electronic equipment acquires a request number of the remote account opening request, generates prompt information according to the request number and the account, encrypts the prompt information by adopting a symmetric encryption technology to obtain a ciphertext, sends the ciphertext to the terminal equipment, receives signature information sent by the terminal equipment, verifies whether the signature information is the handwriting of the target customer, and determines that the account is successfully created when the signature information is the handwriting of the target customer.
Through the verification of the signature information, the accuracy rate of identity verification can be improved again.
According to the technical scheme, whether the identity card picture belongs to the identity card of the target client or not is verified, so that the identity authentication of others by using a failed identity card can be avoided, the safety of remote account opening is improved, the face video can be obtained by starting the camera module of the terminal device, the face video can be quickly obtained without additional equipment, resources are saved, in addition, the face video can be prevented from being deceived by illegal molecular use of masks, photos and the like through in-vivo detection, meanwhile, the identity authentication of the target client can be completed from multiple dimensions through verification of the image to be detected and the voiceprint characteristics to be detected, and the accuracy of the identity authentication is improved.
Fig. 2 is a functional block diagram of an account opening authentication apparatus based on AI identification according to a preferred embodiment of the present invention. The account opening authentication device 11 based on AI identification includes a detection unit 110, a determination unit 111, an authentication unit 112, an extraction unit 113, an acquisition unit 114, a comparison unit 115, an operation unit 116, a sending unit 117, a receiving unit 118, a generation unit 119, a packaging unit 120, a construction unit 121, a division unit 122, a training unit 123, an adjustment unit 124, an encryption unit 125, and a creation unit 126. The module/unit referred to in the present invention refers to a series of computer program segments that can be executed by the processor 13 and that can perform a fixed function, and that are stored in the memory 12. In the present embodiment, the functions of the modules/units will be described in detail in the following embodiments.
When receiving a remote account opening request, the detection unit 110 extracts a plurality of pieces of client information from the remote account opening request, and detects whether the plurality of pieces of client information are information of the same client.
In at least one embodiment of the invention, the plurality of customer information is a parameter of a macro-economic research analysis.
In at least one embodiment of the invention, the remote account opening request is obtained by packaging a two-dimensional code. The plurality of customer information may include, but is not limited to: name, identification card number and mobile phone number.
In at least one embodiment of the present invention, the sending unit 117 filters a white list based on a big data technology, and sends invitation information to a client corresponding to a user in the white list, further, the receiving unit 118 receives user information corresponding to the invitation information collected by the client, the generating unit 119 generates a two-dimensional code according to the user information, and the packaging unit 120 packages the two-dimensional code to obtain the remote account opening request.
By screening the white list, the condition that the client who carries out remote account opening is an illegal member can be avoided, and the safety of remote account opening is improved.
In at least one embodiment of the present invention, the detecting unit 110 extracts a plurality of customer information from the remote account opening request, including:
the detection unit 110 obtains a tag, further, the detection unit 110 extracts information corresponding to the tag from all information carried by the remote account opening request, and uses the information as a target two-dimensional code, and further, the detection unit 110 identifies the target two-dimensional code to obtain the plurality of customer information.
Through the mapping relation between the label and the two-dimension code, the target two-dimension code can be accurately determined, and then the plurality of customer information can be accurately obtained.
In at least one embodiment of the present invention, the detecting unit 110 determines a client to which each piece of client information belongs, and when the clients corresponding to all pieces of client information in the plurality of pieces of client information are the same client, the detecting unit 110 determines that the plurality of pieces of client information are the same client information.
When detecting that the plurality of pieces of client information are information of the same client, the determining unit 111 determines the client as a target client, and determines a terminal device of the target client.
In at least one embodiment of the present invention, the terminal device refers to a device to which the target client belongs.
The verification unit 112 acquires the identification card picture uploaded by the terminal device, and verifies whether the identification card picture belongs to the identification card of the target client.
In at least one embodiment of the present invention, the verifying unit 112 verifies whether the identification card picture belongs to the identification card of the target client includes:
the verification unit 112 identifies the name to be verified from the identification card picture by using an OCR (Optical Character Recognition) technique, and further, the authentication unit 112 extracts a name from the plurality of customer information, and detects whether the name to be authenticated is the same as the name, when the name to be verified is the same as the name, the verification unit 112 identifies the validity period to be verified from the identification card picture, the authentication unit 112 extracts the identification card information corresponding to the name from a preset library, and extracts the latest valid period from the identification card information as a target valid period, and further, the authentication unit 112 detects whether the to-be-authenticated valid period is the same as the target valid period, when the valid period to be verified is the same as the target valid period, the verification unit 112 determines that the identification card picture belongs to the identification card of the target client.
Wherein, the preset library can be a public security library.
Whether the name to be verified is the same as the name or not is detected, the identity card picture and the target client can be ensured to be the same client, and further, whether the valid period of the name to be verified is the same as the target valid period or not is detected, so that the condition that other people use invalid identity cards to perform identity verification can be avoided, and the safety of remote account opening is improved.
When the identification card picture belongs to the identification card of the target client, the detection unit 110 starts a camera device in the terminal device to acquire the face video of the target client in real time, and performs living body detection on the face video.
In at least one embodiment of the present invention, the detecting unit 110 performs live body detection on the face video, including:
the detection unit 110 obtains multi-frame images of the face video, where the target client is located at different positions relative to the camera device, further, the detection unit 110 extracts multiple pieces of key point information on each frame of image in the multi-frame images by using an asm (active Shape model) algorithm, for each frame of image, the detection unit 110 calculates a distance of each key point information pair, where each key point information pair is composed of any two pieces of key point information, for each frame of image, the detection unit 110 calculates a distance between two pupils in each frame of image to obtain a pupil distance, and calculates a ratio of the distance of each key point information pair to the pupil distance to obtain multiple ratios, and the detection unit 110 inputs the multiple ratios in each frame of image into a pre-trained living body detection model to obtain a detection result.
The multiframe images are acquired from the face video, the multiframe images can be acquired without a plurality of additional devices, resources are saved, in addition, the attack of an attacker on a living body detection system can be resisted by carrying out living body detection on the face video, the safety of the living body detection system is improved, meanwhile, the interaction with a user is simple, the detection time can be shortened, and the detection efficiency is improved.
In at least one embodiment of the present invention, the detecting unit 110 performs live body detection on the face video, so as to avoid that illegal molecules use masks, photos, and other means to cheat the customs.
In at least one embodiment of the present invention, the detection result includes that the target client passes the live body test, and that the target client fails the live body test.
In at least one embodiment of the present invention, before the multiple ratios in each frame of image are input into a pre-trained living body detection model, the obtaining unit 114 obtains multiple frames of historical images of multiple objects by using a web crawler technology, where the multiple objects include living body objects and non-living body objects, the building unit 121 calculates multiple historical ratios according to the multiple frames of historical images, and builds a sample data set based on the multiple historical ratios, further, the dividing unit 122 divides sample data in the sample data set to obtain a training data set and a verification data set, the training unit 123 trains the sample data in the training data set to obtain a learner, and the adjusting unit 124 adjusts the learner by using the sample data in the verification data set to obtain the living body detection model.
Specifically, the dividing unit 122 divides the sample data in the sample data set to obtain a training data set and a verification data set, and includes:
the dividing unit 122 randomly divides the sample data in the sample data set into at least one data packet according to a preset ratio, determines any one data packet in the at least one data packet as the verification data set, determines the rest data packets as the training data set, and repeats the above steps until all the data packets are sequentially used as the verification data set.
The preset ratio can be set by user, and the invention is not limited.
By the above embodiment, each sample data in the sample data set is involved in training and verification, thereby improving the fitting degree of training the living body detection model.
When the target client passes through the live examination, the extracting unit 113 extracts the image to be detected and the voiceprint feature to be detected of the target client from the face video.
In at least one embodiment of the present invention, the extracting unit 113 extracting the image to be detected and the voiceprint feature to be detected of the target client from the face video includes:
the extraction unit 113 performs image recognition on any frame in the face video, performs edge tracing on the recognized image to obtain the image to be detected, further, the extraction unit 113 performs voice separation processing on the face video, determines the voice obtained by separation as the audio to be detected, the extraction unit 113 performs blocking processing on the audio to be detected to obtain an audio region set, and the extraction unit 113 extracts characteristic parameters corresponding to any frame in the audio region set to obtain the voiceprint characteristics to be detected.
The obtaining unit 114 obtains a target image and a target voiceprint feature from a configuration library based on the plurality of pieces of client information.
In at least one embodiment of the invention, the configuration library stores a plurality of mapping relations between the clients and the images and stores a plurality of mapping relations between the clients and the voiceprint features.
In at least one embodiment of the present invention, the obtaining unit 114 extracts images corresponding to the plurality of customer information from the configuration library as the target images, and at the same time, the obtaining unit 114 extracts voiceprint features corresponding to the plurality of customer information from the configuration library as the target voiceprint features.
The comparison unit 115 compares the image to be detected with the target image to obtain a first similarity, and compares the voiceprint feature to be detected with the target voiceprint feature to obtain a second similarity.
In at least one embodiment of the present invention, a manner in which the comparison unit 115 compares the image to be detected with the target image, and a manner in which the comparison unit 115 compares the voiceprint feature to be detected with the target voiceprint feature to obtain the second similarity belong to the prior art, and details thereof are not repeated herein.
The operation unit 116 performs weighted sum operation on the first similarity and the second similarity according to a preset weight to obtain a target score.
In at least one embodiment of the present invention, the preset weight may be a weight of the first similarity or a weight of the second similarity, when the preset weight is the weight of the first similarity, the operation unit 116 multiplies the first similarity by the preset weight to obtain a first score, the operation unit 116 subtracts the preset weight from a value 1 to obtain a target weight, multiplies the second similarity by the target weight to obtain a second score, and adds the first score to the second score to obtain the target score.
When the target score is greater than a preset threshold, the creating unit 126 creates an account according to the remote account opening request.
It is emphasized that the accounts may also be stored in a node of a blockchain in order to further ensure the privacy and security of the accounts.
In at least one embodiment of the present invention, before creating an account according to the remote account opening request, the obtaining unit 114 obtains the fingerprint information of the target customer in real time, and the verification unit 112 verifies the fingerprint information.
In at least one embodiment of the present invention, after an account is created according to the remote account opening request, the obtaining unit 114 obtains a request number of the remote account opening request, the generating unit 119 generates a prompt message according to the request number and the account, the encrypting unit 125 encrypts the prompt message by using a symmetric encryption technique to obtain a ciphertext, the sending unit 117 sends the ciphertext to the terminal device and receives a signature message sent by the terminal device, the verifying unit 112 verifies whether the signature message is handwriting of the target client, and when the signature message is the handwriting of the target client, the determining unit 111 determines that the account is successfully created.
Through the verification of the signature information, the accuracy rate of identity verification can be improved again.
According to the technical scheme, whether the identity card picture belongs to the identity card of the target client or not is verified, so that the identity authentication of others by using a failed identity card can be avoided, the safety of remote account opening is improved, the face video can be obtained by starting the camera module of the terminal device, the face video can be quickly obtained without additional equipment, resources are saved, in addition, the face video can be prevented from being deceived by illegal molecular use of masks, photos and the like through in-vivo detection, meanwhile, the identity authentication of the target client can be completed from multiple dimensions through verification of the image to be detected and the voiceprint characteristics to be detected, and the accuracy of the identity authentication is improved.
Fig. 3 is a schematic structural diagram of an electronic device for implementing an account opening authentication method based on AI identification according to a preferred embodiment of the present invention.
In one embodiment of the present invention, the electronic device 1 includes, but is not limited to, a memory 12, a processor 13, and a computer program, such as an AI identification based account opening authentication program, stored in the memory 12 and executable on the processor 13.
It will be appreciated by a person skilled in the art that the schematic diagram is only an example of the electronic device 1 and does not constitute a limitation of the electronic device 1, and that it may comprise more or less components than shown, or some components may be combined, or different components, e.g. the electronic device 1 may further comprise an input output device, a network access device, a bus, etc.
The Processor 13 may be a Central Processing Unit (CPU), other general purpose Processor, a Digital Signal Processor (DSP), an Application Specific Integrated Circuit (ASIC), a Field Programmable Gate Array (FPGA) or other Programmable logic device, discrete Gate or transistor logic device, discrete hardware component, etc. The processor 13 is an operation core and a control center of the electronic device 1, and is connected to each part of the whole electronic device 1 by various interfaces and lines, and executes an operating system of the electronic device 1 and various installed application programs, program codes, and the like.
The processor 13 executes an operating system of the electronic device 1 and various installed application programs. The processor 13 executes the application program to implement the steps in each embodiment of the AI identification based account opening authentication method, such as the steps shown in fig. 1.
Illustratively, the computer program may be divided into one or more modules/units, which are stored in the memory 12 and executed by the processor 13 to accomplish the present invention. The one or more modules/units may be a series of computer program instruction segments capable of performing specific functions, which are used to describe the execution process of the computer program in the electronic device 1. For example, the computer program may be divided into a detection unit 110, a determination unit 111, a verification unit 112, an extraction unit 113, an acquisition unit 114, a comparison unit 115, an arithmetic unit 116, a transmission unit 117, a reception unit 118, a generation unit 119, a packaging unit 120, a construction unit 121, a division unit 122, a training unit 123, an adjustment unit 124, an encryption unit 125, and a creation unit 126.
The memory 12 can be used for storing the computer programs and/or modules, and the processor 13 implements various functions of the electronic device 1 by running or executing the computer programs and/or modules stored in the memory 12 and calling data stored in the memory 12. The memory 12 may mainly include a program storage area and a data storage area, wherein the program storage area may store an operating system, an application program required by at least one function (such as a sound playing function, an image playing function, etc.), and the like; the storage data area may store data created according to use of the electronic device, and the like. Further, the memory 12 may include a non-volatile memory, such as a hard disk, a memory, a plug-in hard disk, a Smart Media Card (SMC), a Secure Digital (SD) Card, a Flash memory Card (Flash Card), at least one magnetic disk storage device, a Flash memory device, or other non-volatile solid state storage device.
The memory 12 may be an external memory and/or an internal memory of the electronic device 1. Further, the memory 12 may be a memory having a physical form, such as a memory stick, a TF Card (Trans-flash Card), or the like.
The integrated modules/units of the electronic device 1 may be stored in a computer-readable storage medium if they are implemented in the form of software functional units and sold or used as separate products. Based on such understanding, all or part of the flow of the method according to the embodiments of the present invention may also be implemented by a computer program, which may be stored in a computer-readable storage medium, and when the computer program is executed by a processor, the steps of the method embodiments may be implemented.
Wherein the computer program comprises computer program code, which may be in the form of source code, object code, an executable file or some intermediate form, etc. The computer-readable medium may include: any entity or device capable of carrying said computer program code, recording medium, U-disk, removable hard disk, magnetic disk, optical disk, computer Memory, Read-Only Memory (ROM).
The block chain is a novel application mode of computer technologies such as distributed data storage, point-to-point transmission, a consensus mechanism, an encryption algorithm and the like. A block chain (Blockchain), which is essentially a decentralized database, is a series of data blocks associated by using a cryptographic method, and each data block contains information of a batch of network transactions, so as to verify the validity (anti-counterfeiting) of the information and generate a next block. The blockchain may include a blockchain underlying platform, a platform product service layer, an application service layer, and the like.
Referring to fig. 1, the memory 12 in the electronic device 1 stores a plurality of instructions to implement an account opening authentication method based on AI identification, and the processor 13 can execute the plurality of instructions to implement: when a remote account opening request is received, extracting a plurality of pieces of client information from the remote account opening request, and detecting whether the plurality of pieces of client information are information of the same client; when the information of the plurality of clients is detected to be the information of the same client, determining the client as a target client and determining the terminal equipment of the target client; acquiring an identity card picture uploaded by the terminal equipment, and verifying whether the identity card picture belongs to the identity card of the target client or not; when the identity card picture belongs to the identity card of the target client, starting a camera device in the terminal equipment to acquire a face video of the target client in real time, and performing living body detection on the face video; when the target client passes through the live examination, extracting an image to be detected and voiceprint characteristics to be detected of the target client from the face video; acquiring a target image and target voiceprint characteristics from a configuration library based on the plurality of client information; comparing the image to be detected with the target image to obtain a first similarity, and comparing the voiceprint feature to be detected with the target voiceprint feature to obtain a second similarity; according to a preset weight, carrying out weighted sum operation on the first similarity and the second similarity to obtain a target score; and when the target score is larger than a preset threshold value, creating an account according to the remote account opening request.
Specifically, the processor 13 may refer to the description of the relevant steps in the embodiment corresponding to fig. 1 for a specific implementation method of the instruction, which is not described herein again.
In the embodiments provided in the present invention, it should be understood that the disclosed system, apparatus and method may be implemented in other ways. For example, the above-described apparatus embodiments are merely illustrative, and for example, the division of the modules is only one logical functional division, and other divisions may be realized in practice.
The modules described as separate parts may or may not be physically separate, and parts displayed as modules may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the modules may be selected according to actual needs to achieve the purpose of the solution of the present embodiment.
In addition, functional modules in the embodiments of the present invention may be integrated into one processing unit, or each unit may exist alone physically, or two or more units are integrated into one unit. The integrated unit can be realized in a form of hardware, or in a form of hardware plus a software functional module.
The present embodiments are therefore to be considered in all respects as illustrative and not restrictive, the scope of the invention being indicated by the appended claims rather than by the foregoing description, and all changes which come within the meaning and range of equivalency of the claims are therefore intended to be embraced therein. Any reference signs in the claims shall not be construed as limiting the claim concerned.
Furthermore, it is obvious that the word "comprising" does not exclude other elements or steps, and the singular does not exclude the plural. A plurality of units or means recited in the system claims may also be implemented by one unit or means in software or hardware. The terms second, etc. are used to denote names, but not any particular order.
Finally, it should be noted that the above embodiments are only for illustrating the technical solutions of the present invention and not for limiting, and although the present invention is described in detail with reference to the preferred embodiments, it should be understood by those skilled in the art that modifications or equivalent substitutions may be made on the technical solutions of the present invention without departing from the spirit and scope of the technical solutions of the present invention.
Claims (10)
1. An account opening authentication method based on AI identification is characterized in that the account opening authentication method based on AI identification comprises the following steps:
when a remote account opening request is received, extracting a plurality of pieces of client information from the remote account opening request, and detecting whether the plurality of pieces of client information are information of the same client;
when the information of the plurality of clients is detected to be the information of the same client, determining the client as a target client and determining the terminal equipment of the target client;
acquiring an identity card picture uploaded by the terminal equipment, and verifying whether the identity card picture belongs to the identity card of the target client or not;
when the identity card picture belongs to the identity card of the target client, starting a camera device in the terminal equipment to acquire a face video of the target client in real time, and performing living body detection on the face video;
when the target client passes through the live examination, extracting an image to be detected and voiceprint characteristics to be detected of the target client from the face video;
acquiring a target image and target voiceprint characteristics from a configuration library based on the plurality of client information;
comparing the image to be detected with the target image to obtain a first similarity, and comparing the voiceprint feature to be detected with the target voiceprint feature to obtain a second similarity;
according to a preset weight, carrying out weighted sum operation on the first similarity and the second similarity to obtain a target score;
and when the target score is larger than a preset threshold value, creating an account according to the remote account opening request.
2. The AI-recognition-based account opening authentication method according to claim 1, further comprising:
screening a white list based on a big data technology, and sending invitation information to a client corresponding to a user in the white list;
receiving user information which is acquired by the client and corresponds to the invitation information;
generating a two-dimensional code according to the user information;
and packaging the two-dimension code to obtain the remote account opening request.
3. The AI-recognition-based account opening authentication method according to claim 1, wherein the verifying whether the identification card picture belongs to the identification card of the target client comprises:
recognizing a name to be verified from the identity card picture by using an OCR technology;
extracting names from the customer information, and detecting whether the names to be verified are the same as the names;
when the name to be verified is the same as the name, identifying the valid period of the name to be verified from the identity card picture;
extracting the identity card information corresponding to the name from a preset library, and extracting the latest valid period from the identity card information to be used as a target valid period;
detecting whether the valid period to be verified is the same as the target valid period or not;
and when the valid period to be verified is the same as the target valid period, determining that the identity card picture belongs to the identity card of the target client.
4. The AI-recognition-based account opening authentication method of claim 1, wherein the live body detection of the face video comprises:
acquiring multi-frame images of the target client at different positions relative to the camera device in the face video;
extracting a plurality of key point information on each frame of image in the multi-frame images by using an ASM algorithm;
for each frame of image, calculating the distance of each key point information pair, wherein each key point information pair is composed of any two key point information;
for each frame of image, calculating the distance between the double pupils in each frame of image to obtain the pupil distance, and calculating the ratio of the distance of each key point information pair to the pupil distance to obtain a plurality of ratios;
and inputting the ratios in each frame of image into a pre-trained living body detection model to obtain a detection result.
5. The AI-recognition-based account opening authentication method of claim 1, wherein before inputting the plurality of ratios in each frame of image into a pre-trained liveness detection model, the AI-recognition-based account opening authentication method further comprises:
acquiring multi-frame historical images of a plurality of objects by utilizing a web crawler technology, wherein the plurality of objects comprise living objects and non-living objects;
calculating a plurality of historical ratios according to the multi-frame historical images, and constructing a sample data set based on the plurality of historical ratios;
dividing sample data in the sample data set to obtain a training data set and a verification data set;
training sample data in the training data set to obtain a learner;
and adjusting the learner by using the sample data in the verification data set to obtain the in-vivo detection model.
6. The AI-recognition-based account opening authentication method according to claim 1, wherein the extracting the image to be detected and the voiceprint feature to be detected of the target client from the face video comprises:
carrying out image recognition on any frame in the face video, and carrying out edge tracing processing on the recognized image to obtain the image to be detected;
carrying out voice separation processing on the face video, and determining the voice obtained by separation as the audio to be detected;
carrying out blocking processing on the audio to be detected to obtain an audio region set;
and extracting the characteristic parameters corresponding to any frame in the audio region set to obtain the voiceprint characteristics to be detected.
7. The AI identity authentication method according to claim 1, wherein the account is stored in a block chain, and after the account is created according to the remote account opening request, the AI identity authentication method further comprises:
acquiring a request number of the remote account opening request;
generating prompt information according to the request number and the account;
encrypting the prompt information by adopting a symmetric encryption technology to obtain a ciphertext;
sending the ciphertext to the terminal equipment, and receiving signature information sent by the terminal equipment;
verifying whether the signature information is handwriting of the target customer;
and when the signature information is handwriting of the target customer, determining that the account is successfully created.
8. An account opening authentication device based on AI identification, the account opening authentication device based on AI identification comprises:
the remote account opening device comprises a detection unit, a processing unit and a processing unit, wherein the detection unit is used for extracting a plurality of pieces of client information from a remote account opening request when the remote account opening request is received, and detecting whether the plurality of pieces of client information are information of the same client or not;
the determining unit is used for determining the client as a target client and determining the terminal equipment of the target client when the plurality of client information are detected to be information of the same client;
the verification unit is used for acquiring the identity card picture uploaded by the terminal equipment and verifying whether the identity card picture belongs to the identity card of the target client;
the detection unit is further used for starting a camera device in the terminal equipment to acquire a face video of the target client in real time and carrying out living body detection on the face video when the identification card picture belongs to the identification card of the target client;
the extracting unit is used for extracting the image to be detected and the voiceprint features to be detected of the target client from the face video when the target client detects the living body;
the acquisition unit is used for acquiring a target image and a target voiceprint characteristic from a configuration library based on the plurality of client information;
the comparison unit is used for comparing the image to be detected with the target image to obtain a first similarity, and comparing the voiceprint feature to be detected with the target voiceprint feature to obtain a second similarity;
the operation unit is used for carrying out weighted sum operation on the first similarity and the second similarity according to preset weight to obtain a target score;
and the creating unit is used for creating an account according to the remote account opening request when the target score is larger than a preset threshold value.
9. An electronic device, characterized in that the electronic device comprises:
a memory storing at least one instruction; and
a processor executing the instructions stored in the memory to implement the AI-recognition-based account opening authentication method according to any one of claims 1 to 7.
10. A computer-readable storage medium characterized by: the computer-readable storage medium stores at least one instruction, and the at least one instruction is executed by a processor in an electronic device to implement the AI-recognition-based account opening authentication method according to any one of claims 1 to 7.
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