CN113610538A - Channel selection-based identity authentication device and method - Google Patents

Channel selection-based identity authentication device and method Download PDF

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Publication number
CN113610538A
CN113610538A CN202110916985.2A CN202110916985A CN113610538A CN 113610538 A CN113610538 A CN 113610538A CN 202110916985 A CN202110916985 A CN 202110916985A CN 113610538 A CN113610538 A CN 113610538A
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identity
transaction
client
identity recognition
identity information
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马涛
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Bank of China Ltd
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Bank of China Ltd
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/405—Establishing or using transaction specific rules
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/308—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using the Internet of Things
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/326—Payment applications installed on the mobile devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • G06Q20/40145—Biometric identity checks

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  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
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  • Computer Security & Cryptography (AREA)
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Abstract

The invention provides an identity authentication device and method based on channel selection, which can be used in the technical field of artificial intelligence, and the device comprises: the mobile banking gateway interface module is used for determining the transaction category according to a preset transaction classification condition; when a transaction request initiated by a customer through a mobile phone bank is received, obtaining customer identity information; calling the type of the transaction in the transaction request to a channel interface corresponding to the identity recognition module based on the client identity information; after receiving the identity recognition result, feeding back the identity recognition result to the mobile phone bank; and the identity recognition module is used for calling different identity recognition platforms to obtain high-definition photos when the client identity information is received through different channel interfaces, comparing the photos in the client identity information with the high-definition photos to obtain an identity recognition result, and feeding the identity recognition result back to the mobile banking gateway interface module. The invention can select different channels to carry out identity authentication according to requirements and has good effect.

Description

Channel selection-based identity authentication device and method
Technical Field
The invention relates to the technical field of artificial intelligence, in particular to an identity verification device and method based on channel selection.
Background
When a user uses a mobile banking app to conduct transaction, identity authentication through face biological information is a common authentication mode. When face recognition authentication is performed, biometric information of a customer's background is acquired through a people bank or a public security department. The difference is that the people's bank channel only opens the interface during the day (9:00-18:00), while the police channel provides services for 24 hours. However, the people's bank does not charge the fee, and the police part charges the fee one by one according to the number of inquired strokes. Certainly, there are other situations in which the channel selection for authentication is required, so if the channel selection for authentication can be performed as required, the application effect of the mobile banking can be improved.
Disclosure of Invention
The embodiment of the invention provides an identity authentication device based on channel selection, which is used for selecting different channels as required to carry out identity authentication and has good application effect, and the device comprises:
the mobile banking gateway interface module is used for determining the transaction category according to a preset transaction classification condition; when a transaction request initiated by a customer through a mobile phone bank is received, obtaining customer identity information; calling the type of the transaction in the transaction request to a channel interface corresponding to the identity recognition module based on the client identity information; after receiving the identity recognition result, feeding back the identity recognition result to the mobile phone bank;
and the identity recognition module is used for calling different identity recognition platforms to obtain high-definition photos when the client identity information is received through different channel interfaces, comparing the photos in the client identity information with the high-definition photos to obtain an identity recognition result, and feeding the identity recognition result back to the mobile banking gateway interface module.
The embodiment of the invention provides an identity authentication method based on channel selection, which is used for selecting different channels as required to carry out identity authentication and has good application effect, and the method comprises the following steps:
determining the category of the transaction according to a preset transaction classification condition;
when a transaction request initiated by a customer through a mobile phone bank is received, obtaining customer identity information;
calling a channel interface corresponding to the category in the identity recognition module based on the client identity information; the identity recognition module calls different identity recognition platforms to obtain an identity recognition result when receiving the identity information of the client through different channel interfaces;
and feeding back the identification result to the mobile phone bank.
The embodiment of the present invention further provides a computer device, which includes a memory, a processor, and a computer program stored in the memory and executable on the processor, and when the processor executes the computer program, the identity authentication method based on channel selection is implemented.
An embodiment of the present invention further provides a computer-readable storage medium, where a computer program for executing the above identity authentication method based on channel selection is stored in the computer-readable storage medium.
In the embodiment of the invention, the mobile banking gateway interface module is used for determining the transaction category according to the preset transaction classification condition; when a transaction request initiated by a customer through a mobile phone bank is received, obtaining customer identity information; calling the type of the transaction in the transaction request to a channel interface corresponding to the identity recognition module based on the client identity information; after receiving the identity recognition result, feeding back the identity recognition result to the mobile phone bank; and the identity recognition module is used for calling different identity recognition platforms to obtain an identity recognition result and feeding the identity recognition result back to the identity recognition module when the client identity information is received through different channel interfaces. In the process, the transaction type can be determined according to the preset transaction classification conditions, the channel interface distribution is carried out, and different identity recognition platforms are called to obtain the identity recognition result, so that the business cost is reduced while the customer experience is ensured, and the application effect of the mobile banking 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. In the drawings:
FIG. 1 is a schematic diagram of an authentication device based on channel selection according to an embodiment of the present invention;
FIG. 2 is a schematic diagram of an authentication device based on channel selection according to an embodiment of the present invention;
FIG. 3 is a flow chart of a method for identity verification based on channel selection in an embodiment of the present invention;
FIG. 4 is a flowchart of invoking a channel interface corresponding to the category in the identity module according to an embodiment of the present invention;
FIG. 5 is a diagram of a computer device in an embodiment of the invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the embodiments of the present invention more apparent, the embodiments of the present invention are further described in detail below with reference to the accompanying drawings. The exemplary embodiments and descriptions of the present invention are provided to explain the present invention, but not to limit the present invention.
In the description of the present specification, the terms "comprising," "including," "having," "containing," and the like are used in an open-ended fashion, i.e., to mean including, but not limited to. Reference to the description of the terms "one embodiment," "a particular embodiment," "some embodiments," "for example," etc., means that a particular feature, structure, or characteristic described in connection with the embodiment or example is included in at least one embodiment or example of the application. In this specification, the schematic representations of the terms used above do not necessarily refer to the same embodiment or example. Furthermore, the particular features, structures, or characteristics described may be combined in any suitable manner in any one or more embodiments or examples. The sequence of steps involved in the embodiments is for illustrative purposes to illustrate the implementation of the present application, and the sequence of steps is not limited and can be adjusted as needed.
Fig. 1 is a schematic diagram of an authentication apparatus based on channel selection according to an embodiment of the present invention, as shown in fig. 1, the apparatus includes:
the mobile banking gateway interface module 101 is used for determining the transaction category according to a preset transaction classification condition; when a transaction request initiated by a customer through a mobile phone bank is received, obtaining customer identity information; calling the type of the transaction in the transaction request to a channel interface corresponding to the identity recognition module based on the client identity information; after receiving the identity recognition result, feeding back the identity recognition result to the mobile phone bank;
and the identity recognition module 102 is used for calling different identity recognition platforms to obtain high-definition photos when the client identity information is received through different channel interfaces, comparing the photos in the client identity information with the high-definition photos to obtain an identity recognition result, and feeding the identity recognition result back to the mobile banking gateway interface module.
In the embodiment, the transaction type can be determined according to the preset transaction classification conditions, the channel interface distribution is carried out, and different identity recognition platforms are called to obtain the identity recognition result, so that the business cost is reduced while the customer experience is ensured, and the application effect of the mobile banking is improved.
Fig. 2 is a schematic diagram of an authentication apparatus based on channel selection according to an embodiment of the present invention, and in an embodiment, the apparatus further includes a management module 103, configured to: setting transaction classification conditions, wherein the transaction classification conditions comprise one or any combination of the importance of transactions, the opening time of transactions, the income cost ratio and the daily average transaction amount.
Of course, there may be other transaction classification conditions, and all such variations are intended to fall within the scope of the present invention.
In one embodiment, the management module 103 is further configured to:
setting a transaction code, wherein the transaction code corresponds to a channel interface;
the mobile banking gateway interface module is further used for: when a transaction request initiated by a customer through a mobile phone bank is received, judging whether the transaction in the transaction request contains a transaction code; if yes, calling a channel interface corresponding to the transaction code; if not, based on the customer identity information, calling the transaction type in the transaction request to a channel interface corresponding to the identity identification module.
In addition, the management end has a post-statistics function, and can count the calling times and the accumulated cost of the charging channel interface according to the transaction types, so that different business departments can share the cost reference.
In one embodiment, the identification module is further configured to: and storing the obtained background-left high-definition pictures into a historical image database.
In addition, the historical image database can also have high-definition pictures which are kept by clients through a counter and can also be used as a reference for comparison.
In one embodiment, the mobile banking gateway interface module is further configured to: after obtaining the identity information of the client, sending the identity information to an identity recognition module;
the identity module is further configured to: identifying the identity card number of the client based on the identity card photo in the identity information of the client; based on the identification card number, obtaining a customer number of the customer at a bank; and inquiring a historical image database based on the client number, if a high-definition photo of the client is inquired, comparing the photo in the client identity information with the high-definition photo to obtain an identity recognition result, and if the high-definition photo of the client cannot be inquired, calling different identity recognition platforms to obtain the high-definition photo.
In one embodiment, the channel interface includes a daytime validation interface and a 24-hour validation interface;
the mobile banking gateway interface module is specifically used for: when the transaction type is a first type, calling a daytime verification interface based on the client identity information; when the transaction type is the second type, calling a 24-hour verification interface based on the client identity information;
the identity module is further configured to: when the client identity information is received through a daytime verification interface, an identity recognition platform of a people bank is called to obtain an identity recognition result; and when the client identity information is received through the 24-hour verification interface, judging the current moment, calling an identity recognition platform of a people bank to obtain an identity recognition result if the current moment is in the daytime, and calling an identity recognition platform of a public security department to obtain an identity verification result if the current moment is in the evening.
In the above embodiments, the first class may be referred to as a class of low importance, and the second class is a class of high importance. Of course, there may be more classifications. The 24-hour authentication interface refers to an authentication interface which can be supported by 7 × 24 hours.
In an embodiment, the client identity information includes one or any combination of face information, fingerprint information and voice information.
In summary, in the apparatus provided in the embodiment of the present invention, the mobile banking gateway interface module is configured to determine the category of the transaction according to the preset transaction classification condition; when a transaction request initiated by a customer through a mobile phone bank is received, obtaining customer identity information; calling the type of the transaction in the transaction request to a channel interface corresponding to the identity recognition module based on the client identity information; after receiving the identity recognition result, feeding back the identity recognition result to the mobile phone bank; and the identity recognition module is used for calling different identity recognition platforms to obtain high-definition photos when the client identity information is received through different channel interfaces, comparing the photos in the client identity information with the high-definition photos to obtain an identity recognition result, and feeding the identity recognition result back to the mobile banking gateway interface module. In the process, the transaction type can be determined according to the preset transaction classification conditions, the channel interface distribution is carried out, and different identity recognition platforms are called to obtain the identity recognition result, so that the business cost is reduced while the customer experience is ensured, and the application effect of the mobile banking is improved.
The embodiment of the invention also provides an identity verification method based on channel selection, the principle of which is similar to that of an identity verification device based on channel selection, and the details are not repeated here.
Fig. 3 is a flowchart of an authentication method based on channel selection in an embodiment of the present invention, as shown in fig. 3, including:
step 301, determining the category of a transaction according to a preset transaction classification condition;
step 302, when a transaction request initiated by a customer through a mobile phone bank is received, obtaining customer identity information;
step 303, calling a channel interface corresponding to the identity recognition module for the transaction type in the transaction request based on the customer identity information; when the identity recognition module receives the client identity information through different channel interfaces, different identity recognition platforms are called to obtain high-definition photos, and photos in the client identity information are compared with the high-definition photos to obtain identity recognition results;
and step 304, feeding back the identification result to a mobile phone bank.
In an embodiment, the method further comprises:
setting transaction classification conditions, wherein the transaction classification conditions comprise one or any combination of the importance of transactions, the opening time of transactions, the income cost ratio and the daily average transaction amount.
In an embodiment, the method further comprises:
setting a transaction code, wherein the transaction code corresponds to a channel interface;
when a transaction request initiated by a customer through a mobile phone bank is received, judging whether the transaction in the transaction request contains a transaction code; if yes, calling a channel interface corresponding to the transaction code; if not, based on the customer identity information, calling the transaction type in the transaction request to a channel interface corresponding to the identity identification module.
In an embodiment, the method further comprises:
and storing the obtained background-left high-definition pictures into a historical image database.
In an embodiment, the method further comprises:
after obtaining the identity information of the client, sending the identity information to an identity recognition module; the identity recognition module is also used for recognizing the identity card number of the client based on the identity card photo in the identity information of the client; based on the identification card number, obtaining a customer number of the customer at a bank; and inquiring a historical image database based on the client number, if a high-definition photo of the client is inquired, comparing the photo in the client identity information with the high-definition photo to obtain an identity recognition result, and if the high-definition photo of the client cannot be inquired, calling different identity recognition platforms to obtain the high-definition photo.
In one embodiment, the channel interface includes a daytime authentication interface and a 24-hour authentication interface.
Fig. 4 is a flowchart of invoking the channel interface corresponding to the category in the identity module in the embodiment of the present invention, and the flowchart of invoking the channel interface corresponding to the category in the identity module, and invoking the channel interface corresponding to the category in the identity module based on the client identity information, where the flowchart includes:
step 401, when the transaction type is a first type, calling a daytime verification interface based on the customer identity information;
step 402, when the transaction type is the second type, calling a 24-hour verification interface based on the customer identity information; the identity recognition module calls an identity recognition platform of a people bank to obtain an identity recognition result when receiving the identity information of the client through a daytime verification interface; and when the client identity information is received through the 24-hour verification interface, judging the current moment, calling an identity recognition platform of a people bank to obtain an identity recognition result if the current moment is in the daytime, and calling an identity recognition platform of a public security department to obtain an identity verification result if the current moment is in the evening.
In an embodiment, the client identity information includes one or any combination of face information, fingerprint information and voice information.
In summary, in the method provided in the embodiment of the present invention, the category of the transaction is determined according to the preset transaction classification condition; when a transaction request initiated by a customer through a mobile phone bank is received, obtaining customer identity information; calling a channel interface corresponding to the category in the identity recognition module based on the client identity information; when the identity recognition module receives the client identity information through different channel interfaces, different identity recognition platforms are called to obtain high-definition photos, and photos in the client identity information are compared with the high-definition photos to obtain identity recognition results; and feeding back the identification result to the mobile phone bank. In the process, the transaction type can be determined according to the preset transaction classification conditions, the channel interface distribution is carried out, and different identity recognition platforms are called to obtain the identity recognition result, so that the business cost is reduced while the customer experience is ensured, and the application effect of the mobile banking is improved.
An embodiment of the present invention further provides a computer device, and fig. 5 is a schematic diagram of a computer device in an embodiment of the present invention, where the computer device is capable of implementing all steps in the authentication method based on channel selection in the foregoing embodiment, and the computer device specifically includes the following contents:
a processor (processor)501, a memory (memory)502, a communication Interface (Communications Interface)503, and a communication bus 504;
the processor 501, the memory 502 and the communication interface 503 complete mutual communication through the communication bus 504; the communication interface 503 is used for implementing information transmission between related devices such as server-side devices, detection devices, and user-side devices;
the processor 501 is used to call the computer program in the memory 502, and when the processor executes the computer program, the processor implements all the steps in the channel selection-based authentication method in the above embodiments.
An embodiment of the present invention further provides a computer-readable storage medium, which is capable of implementing all steps of the channel selection-based authentication method in the foregoing embodiments, and the computer-readable storage medium stores a computer program, and when the computer program is executed by a processor, the computer program implements all steps of the channel selection-based authentication method in the foregoing embodiments.
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-mentioned embodiments are intended to illustrate the objects, technical solutions and advantages of the present invention in further detail, and it should be understood that the above-mentioned embodiments are only exemplary embodiments of the present invention, and are not intended to limit the scope of the present invention, and any modifications, equivalent substitutions, improvements and the like made within the spirit and principle of the present invention should be included in the scope of the present invention.

Claims (14)

1. An authentication apparatus based on channel selection, comprising:
the mobile banking gateway interface module is used for determining the transaction category according to a preset transaction classification condition; when a transaction request initiated by a customer through a mobile phone bank is received, obtaining customer identity information; calling the type of the transaction in the transaction request to a channel interface corresponding to the identity recognition module based on the client identity information; after receiving the identity recognition result, feeding back the identity recognition result to the mobile phone bank;
and the identity recognition module is used for calling different identity recognition platforms to obtain high-definition photos when the client identity information is received through different channel interfaces, comparing the photos in the client identity information with the high-definition photos to obtain an identity recognition result, and feeding the identity recognition result back to the mobile banking gateway interface module.
2. The channel selection-based authentication apparatus of claim 1, further comprising a management module for: setting transaction classification conditions, wherein the transaction classification conditions comprise one or any combination of the importance of transactions, the opening time of transactions, the income cost ratio and the daily average transaction amount.
3. The channel selection-based authentication apparatus of claim 1, wherein the management module is further configured to:
setting a transaction code, wherein the transaction code corresponds to a channel interface;
the mobile banking gateway interface module is further used for: when a transaction request initiated by a customer through a mobile phone bank is received, judging whether the transaction in the transaction request contains a transaction code; if yes, calling a channel interface corresponding to the transaction code; if not, based on the customer identity information, calling the transaction type in the transaction request to a channel interface corresponding to the identity identification module.
4. The channel selection-based authentication apparatus of claim 1, wherein the identification module is further configured to: and storing the obtained background-left high-definition pictures into a historical image database.
5. The channel selection-based authentication apparatus of claim 4, wherein the mobile banking gateway interface module is further configured to: after obtaining the identity information of the client, sending the identity information to an identity recognition module;
the identity module is further configured to: identifying the identity card number of the client based on the identity card photo in the identity information of the client; based on the identification card number, obtaining a customer number of the customer at a bank; and inquiring a historical image database based on the client number, if a high-definition photo of the client is inquired, comparing the photo in the client identity information with the high-definition photo to obtain an identity recognition result, and if the high-definition photo of the client cannot be inquired, calling different identity recognition platforms to obtain the high-definition photo.
6. The channel selection-based authentication apparatus of claim 1, wherein the channel interface comprises a daytime authentication interface and a 24-hour authentication interface;
the mobile banking gateway interface module is specifically used for: when the transaction type is a first type, calling a daytime verification interface based on the client identity information; when the transaction type is the second type, calling a 24-hour verification interface based on the client identity information;
the identity module is further configured to: when the client identity information is received through a daytime verification interface, an identity recognition platform of a people bank is called to obtain an identity recognition result; and when the client identity information is received through the 24-hour verification interface, judging the current moment, calling an identity recognition platform of a people bank to obtain an identity recognition result if the current moment is in the daytime, and calling an identity recognition platform of a public security department to obtain an identity verification result if the current moment is in the evening.
7. An identity authentication method based on channel selection is characterized by comprising the following steps:
determining the category of the transaction according to a preset transaction classification condition;
when a transaction request initiated by a customer through a mobile phone bank is received, obtaining customer identity information;
calling a channel interface corresponding to the category in the identity recognition module based on the client identity information; when the identity recognition module receives the client identity information through different channel interfaces, different identity recognition platforms are called to obtain high-definition photos, and photos in the client identity information are compared with the high-definition photos to obtain identity recognition results;
and feeding back the identification result to the mobile phone bank.
8. The channel selection-based authentication method of claim 7, further comprising:
setting transaction classification conditions, wherein the transaction classification conditions comprise one or any combination of the importance of transactions, the opening time of transactions, the income cost ratio and the daily average transaction amount.
9. The channel selection-based authentication method of claim 7, further comprising:
setting a transaction code, wherein the transaction code corresponds to a channel interface;
when a transaction request initiated by a customer through a mobile phone bank is received, judging whether the transaction in the transaction request contains a transaction code; if yes, calling a channel interface corresponding to the transaction code; if not, based on the customer identity information, calling the transaction type in the transaction request to a channel interface corresponding to the identity identification module.
10. The channel selection-based authentication method of claim 7, further comprising:
and storing the obtained background-left high-definition pictures into a historical image database.
11. The channel selection-based authentication method of claim 10, further comprising:
after obtaining the identity information of the client, sending the identity information to an identity recognition module; the identity recognition module is also used for recognizing the identity card number of the client based on the identity card photo in the identity information of the client; based on the identification card number, obtaining a customer number of the customer at a bank; and inquiring a historical image database based on the client number, if a high-definition photo of the client is inquired, comparing the photo in the client identity information with the high-definition photo to obtain an identity recognition result, and if the high-definition photo of the client cannot be inquired, calling different identity recognition platforms to obtain the high-definition photo.
12. The channel selection-based authentication method of claim 7, wherein the channel interface comprises a daytime authentication interface and a 24-hour authentication interface;
based on the customer identity information, calling the channel interface corresponding to the category in the identity recognition module, wherein the calling comprises the following steps: when the transaction type is a first type, calling a daytime verification interface based on the client identity information; when the transaction type is the second type, calling a 24-hour verification interface based on the client identity information; the identity recognition module calls an identity recognition platform of a people bank to obtain an identity recognition result when receiving the identity information of the client through a daytime verification interface; and when the client identity information is received through the 24-hour verification interface, judging the current moment, calling an identity recognition platform of a people bank to obtain an identity recognition result if the current moment is in the daytime, and calling an identity recognition platform of a public security department to obtain an identity verification result if the current moment is in the evening.
13. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, characterized in that the processor implements the method of any of claims 7 to 12 when executing the computer program.
14. 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 7 to 12.
CN202110916985.2A 2021-08-11 2021-08-11 Channel selection-based identity authentication device and method Pending CN113610538A (en)

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