CN113837741A - Counter business handling method and device based on mobile banking - Google Patents

Counter business handling method and device based on mobile banking Download PDF

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Publication number
CN113837741A
CN113837741A CN202111032144.1A CN202111032144A CN113837741A CN 113837741 A CN113837741 A CN 113837741A CN 202111032144 A CN202111032144 A CN 202111032144A CN 113837741 A CN113837741 A CN 113837741A
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China
Prior art keywords
target
counter
client
service
face image
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CN202111032144.1A
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Chinese (zh)
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龚本玲
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Bank of China Ltd
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Bank of China Ltd
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Priority to CN202111032144.1A priority Critical patent/CN113837741A/en
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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
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/108—Remote banking, e.g. home banking
    • 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
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3276—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being read by the M-device
    • 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
    • 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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance

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  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Finance (AREA)
  • Theoretical Computer Science (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Economics (AREA)
  • Development Economics (AREA)
  • Marketing (AREA)
  • Technology Law (AREA)
  • Computer Security & Cryptography (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The invention discloses a counter business handling method and a device based on a mobile banking, relating to the technical field of mobile interconnection, wherein the method comprises the following steps: scanning two-dimensional code information of a target counter service, wherein the two-dimensional code information at least comprises: client identification information of a target client transacting the target counter service; calling a first face image of a target client stored in advance according to client identification information of the target client, and verifying a second face image of the target client acquired currently on the basis of the first face image; and determining whether to execute the target counter business according to the verification result. The invention can make bank clients handle counter business without carrying certificates.

Description

Counter business handling method and device based on mobile banking
Technical Field
The invention relates to the technical field of mobile interconnection, in particular to a counter business handling method and device based on a mobile banking.
Background
This section is intended to provide a background or context to the embodiments of the invention that are recited in the claims. The description herein is not admitted to be prior art by inclusion in this section.
At present, when a client works on a counter, the client needs to take materials such as an identity card, a bank card and the like to handle important services such as deposit and the like. However, in the process of going to the counter, the customer forgets the bank card or the identity card to cause the situation that the customer cannot handle the business, and needs to go home to get the certificate, which affects the user experience of the customer in handling the business.
Disclosure of Invention
The embodiment of the invention provides a counter business handling method based on a mobile banking, which is used for solving the technical problem of poor user experience caused by the fact that the existing counter business handling depends on entity certificates and comprises the following steps: scanning two-dimensional code information of a target counter service, wherein the two-dimensional code information at least comprises: client identification information of a target client transacting the target counter service; calling a first face image of a target client stored in advance according to client identification information of the target client, and verifying a second face image of the target client acquired currently on the basis of the first face image; and determining whether to execute the target counter business according to the verification result.
The embodiment of the invention also provides a counter business handling device based on the mobile banking, which is used for solving the technical problem of poor user experience caused by the fact that the existing counter business handling depends on entity certificates and comprises: sweep the sign indicating number module for scan target counter business's two-dimensional code information, wherein, contain at least in the two-dimensional code information: client identification information of a target client transacting the target counter service; the face image verification module is used for calling a first face image of a target client which is stored in advance according to the client identification information of the target client and verifying a second face image of the target client which is acquired currently on the basis of the first face image; and the service execution module is used for determining whether to execute the target counter service according to the verification result.
The embodiment of the invention also provides computer equipment for solving the technical problem that the prior counter business handling depends on entity certificates, so that the user experience is poorer.
The embodiment of the invention also provides a computer readable storage medium, which is used for solving the technical problem that the prior counter business handling depends on entity certificates, so that the user experience is poorer.
The counter business handling method, the counter business handling device, the computer equipment and the computer readable storage medium based on the mobile banking, provided by the embodiment of the invention, scan two-dimensional code information of a target counter business through a mobile banking client to obtain client identification information of a target client handling the target counter business, further call a pre-stored first face image of the target client according to the client identification information of the target client, verify a currently acquired second face image of the target client based on the first face image, and finally determine whether to execute the target counter business according to a verification result.
Compared with the counter business handling method depending on the entity certificate in the prior art, the embodiment of the invention can enable the bank client to handle the counter business without carrying the certificate.
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 flowchart of a counter service handling method based on a mobile banking system according to an embodiment of the present invention;
fig. 2 is a flow chart of two-dimensional code information generation provided in the embodiment of the present invention;
fig. 3 is a flowchart of counter service execution provided in the embodiment of the present invention;
fig. 4 is a schematic view of a counter transaction device based on a mobile banking system according to an embodiment of the present invention;
fig. 5 is a schematic diagram of a computer device provided in an embodiment of the present 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.
Fig. 1 is a flowchart of a counter transaction method based on a mobile banking provided in an embodiment of the present invention, and as shown in fig. 1, the embodiment of the present invention provides a counter transaction method based on a mobile banking, including:
s101, scanning two-dimensional code information of a target counter service, wherein the two-dimensional code information at least comprises: customer identification information of a target customer handling the target counter business.
It should be noted that the target counter business in the embodiment of the present invention refers to any business that a bank customer requests to transact at a counter, including but not limited to a deposit business, a withdrawal business, and the like. The two-dimensional code information scanned in S101 may be output by the outside-cabinet cleaning device when the client handles the counter service; the user can obtain the client identification information of the target client handling the target counter business by scanning the two-dimensional code information output by the counter outside cleaning equipment.
And S102, calling a pre-stored first face image of the target client according to the client identification information of the target client, and verifying a currently acquired second face image of the target client based on the first face image.
In an embodiment, before retrieving a pre-stored first facial image of a target client according to client identification information of the target client and verifying a currently acquired second facial image of the target client based on the first facial image, the method for handling over-the-counter business based on mobile banking provided in an embodiment of the present invention may further include the following steps: and collecting a second face image of the target client.
And S103, determining whether to execute the target counter business or not according to the verification result.
In step S103, if the verification result is that the verification is passed, the target counter service transacted by the target client is continuously executed; and if the verification result is that the verification fails, refusing to execute the target counter business transacted by the target client.
In an embodiment, as shown in fig. 2, before scanning two-dimensional code information of a target counter service, the counter service processing method based on a mobile banking provided in the embodiment of the present invention may generate two-dimensional code information of the target counter service by the following steps:
s201, acquiring a service code input by a counter person when the counter person handles a target counter service;
and S202, generating two-dimensional code information of the target counter service according to the service code.
In specific implementation, the counter-capable service terminal executes the above S201 to S202 to generate two-dimensional code information for handling the target counter service.
Since there may be more than one electronic account for each customer, in one embodiment, as shown in fig. 3, after scanning the two-dimensional code information of the target counter service, the method for handling counter service based on mobile banking provided in the embodiment of the present invention may further include the following steps:
s301, outputting one or more electronic accounts of the target customer according to the two-dimension code information;
s302, acquiring a target electronic account selected by a target customer from one or more electronic accounts;
and S303, executing the target counter business by using the target electronic account.
As can be seen from the above, the counter business handling method based on mobile banking provided in the embodiment of the present invention specifically includes:
1) the teller operates in the counter, if the customer needs to withdraw money, the teller operates the transaction code for withdrawing money, and the two-dimensional code is displayed outside the counter.
2) The customer uses the mobile banking app to scan a function to invoke post-login code scanning and card selection.
3) And after the account is selected, authorizing the face recognition transaction.
4) And the bank counter system receives the account and the customer information and carries out subsequent withdrawal operation.
In specific implementation, a teller can input a service code of a target counter service to be transacted at a counter service terminal, if the transaction service needs to use a customer bank card account, a two-dimensional code is displayed on an outside-counter cleaning device, after the customer logs in through a mobile phone bank, the code is scanned by using a scanning function, account selection operation is performed, the identity of the customer is verified through face recognition (the face is verified), after the verification is successful, the information of the customer bank account and the result of the successful authentication are returned to a core background system, the teller can continuously use the bank system to transact corresponding service, the user does not need to carry a bank card or an identity card, does not need to select a service type, can authorize through the mobile phone bank, the embarrassment that the customer cannot forget to transact the service when the customer carries the bank card or the identity card is avoided, and the user time is greatly saved.
Based on the same inventive concept, the embodiment of the invention also provides a counter business handling device based on the mobile banking, which is described in the following embodiment. Because the principle of solving the problems of the device is similar to the counter business handling method based on the mobile phone bank, the implementation of the device can refer to the implementation of the counter business handling method based on the mobile phone bank, and repeated parts are not described again.
Fig. 4 is a schematic diagram of a counter transaction apparatus based on mobile banking provided in an embodiment of the present invention, and as shown in fig. 4, the apparatus includes: a code scanning module 41, a face image verification module 42 and a business execution module 43.
The code scanning module 41 is configured to scan two-dimensional code information of a target counter service, where the two-dimensional code information at least includes: client identification information of a target client transacting the target counter service; the face image verification module 42 is configured to retrieve a first face image of a target client stored in advance according to client identification information of the target client, and verify a second face image of the target client acquired currently based on the first face image; and the service execution module 43 is used for determining whether to execute the target counter service according to the verification result.
In one embodiment, the device for handling counter business based on mobile banking provided in the embodiment of the present invention may further include: and the two-dimensional code generating module 44 is configured to obtain a service code input by a counter person when the counter person handles the target counter service, and generate two-dimensional code information of the target counter service according to the service code.
In one embodiment, the device for handling counter business based on mobile banking provided in the embodiment of the present invention may further include: the account information acquisition module 45 is used for outputting one or more electronic accounts of the target customer according to the two-dimension code information and acquiring a target electronic account selected by the target customer from the one or more electronic accounts; in this embodiment, the service execution module 43 is further configured to execute the target counter service using the target electronic account.
Based on the same inventive concept, a computer device is further provided in the embodiments of the present invention to solve the technical problem that the existing counter business transaction depends on entity certificates, which results in poor user experience, fig. 5 is a schematic diagram of a computer device provided in the embodiments of the present invention, as shown in fig. 5, the computer device 50 includes a memory 501, a processor 502, and a computer program stored on the memory 501 and operable on the processor 502, and the processor 502 implements the above counter business transaction method based on mobile banking when executing the computer program.
Based on the same inventive concept, the embodiment of the invention also provides a computer readable storage medium, which is used for solving the technical problem that the prior counter business transaction depends on entity certificates, so that the user experience is poorer.
In summary, according to the counter service handling method, the apparatus, the computer device, and the computer readable storage medium provided in the embodiments of the present invention, the mobile banking client scans the two-dimensional code information of the target counter service to obtain the client identification information of the target client handling the target counter service, calls the pre-stored first face image of the target client according to the client identification information of the target client, verifies the currently acquired second face image of the target client based on the first face image, and finally determines whether to execute the target counter service according to the verification result.
Compared with the counter business handling method depending on the entity certificate in the prior art, the embodiment of the invention can enable the bank client to handle the counter business without carrying the certificate.
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 (10)

1. A counter business handling method based on mobile banking is characterized by comprising the following steps:
scanning two-dimensional code information of a target counter service, wherein the two-dimensional code information at least comprises: handling the client identification information of the target client of the target counter service;
calling a pre-stored first face image of the target client according to the client identification information of the target client, and verifying a currently acquired second face image of the target client based on the first face image;
and determining whether to execute the target counter business according to the verification result.
2. The method of claim 1, wherein prior to scanning the two-dimensional code information for the target counter transaction, the method further comprises:
acquiring a service code input by counter personnel when the counter personnel transacts the target counter service;
and generating two-dimensional code information of the target counter service according to the service code.
3. The method of claim 1, wherein after scanning the two-dimensional code information of the target counter transaction, the method further comprises:
outputting one or more electronic accounts of the target customer according to the two-dimension code information;
obtaining a target electronic account selected by the target customer from the one or more electronic accounts;
and executing the target counter business by using the target electronic account.
4. A method according to any one of claims 1 to 3, wherein before retrieving a pre-stored first facial image of the target client based on client identification information of the target client and verifying a currently acquired second facial image of the target client based on the first facial image, the method further comprises:
and collecting a second face image of the target client.
5. The utility model provides a device is handled to counter business based on cell-phone bank which characterized in that includes:
the code scanning module is used for scanning two-dimensional code information of target counter business, wherein the two-dimensional code information at least comprises: handling the client identification information of the target client of the target counter service;
the face image verification module is used for calling a first face image of the target client which is stored in advance according to the client identification information of the target client and verifying a second face image of the target client which is acquired currently on the basis of the first face image;
and the service execution module is used for determining whether to execute the target counter service according to the verification result.
6. The apparatus of claim 5, wherein the apparatus further comprises:
and the two-dimension code generating module is used for acquiring a service code input by counter personnel when handling the target counter service and generating two-dimension code information of the target counter service according to the service code.
7. The apparatus of claim 5, wherein the apparatus further comprises:
the account information acquisition module is used for outputting one or more electronic accounts of the target customer according to the two-dimension code information and acquiring a target electronic account selected by the target customer from the one or more electronic accounts;
the service execution module is further used for executing the target counter service by using the target electronic account.
8. The apparatus of any of claims 5 to 7, further comprising:
and the face image acquisition module is used for acquiring a second face image of the target client.
9. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the method of mobile banking-based over-the-counter transaction of any one of claims 1 to 4 when executing the computer program.
10. A computer-readable storage medium storing a computer program for executing the cell phone banking-based over-the-counter transaction method according to any one of claims 1 to 4.
CN202111032144.1A 2021-09-03 2021-09-03 Counter business handling method and device based on mobile banking Pending CN113837741A (en)

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Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN116258564A (en) * 2023-03-09 2023-06-13 吉林银行股份有限公司 Off-line channel card-free service processing method, system, device and server

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN116258564A (en) * 2023-03-09 2023-06-13 吉林银行股份有限公司 Off-line channel card-free service processing method, system, device and server

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