CN114862402A - Bank transaction amount modifying method and device - Google Patents

Bank transaction amount modifying method and device Download PDF

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Publication number
CN114862402A
CN114862402A CN202210403000.0A CN202210403000A CN114862402A CN 114862402 A CN114862402 A CN 114862402A CN 202210403000 A CN202210403000 A CN 202210403000A CN 114862402 A CN114862402 A CN 114862402A
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user
face recognition
transaction limit
transaction
data
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李斌
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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
    • G06Q20/401—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
    • 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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • 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
    • G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange

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  • Computer Security & Cryptography (AREA)
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Abstract

The invention discloses a bank transaction limit modifying method and a device, relating to the financial field or other fields, wherein the method comprises the following steps: receiving a transaction limit modification request submitted by a user in a mobile phone bank APP; the transaction limit modification request carries user information and transaction limit modification data; when determining that the user has the authority to modify the transaction limit according to the transaction limit modification data and the user information in the transaction limit modification request, sending a face recognition verification instruction; receiving face recognition data for recording face information by a user according to the face recognition verification instruction; and when the face recognition verification of the face recognition data is passed, executing transaction amount modification operation according to the transaction amount modification request. The invention can improve the convenience of the user for operating the bank transaction limit, improve the efficiency and the safety of modifying the bank transaction limit and improve the user experience.

Description

Bank transaction amount modifying method and device
Technical Field
The invention relates to the financial field or other fields, in particular to a bank transaction amount modifying method and device. It should be noted that the method and the device for modifying the bank transaction amount can be used in the financial field and can also be used in any field except the financial field, and the application field of the method and the device for modifying the bank transaction amount is not limited.
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 user uses a mobile phone APP to perform payment transaction, if the transaction amount needs to be modified, a security tool is generally used to perform security verification.
At present, a common verification mode in a mobile phone APP is a short message verification code, when the short message verification code is used for modifying transaction amount, it is required to ensure that the mobile phone number can normally receive the short message verification code, if the mobile phone cannot normally receive the short message verification code in a weak signal area, the transaction amount in the mobile phone APP cannot be modified, and the short message verification code has a risk of being intercepted, so that the safety is weak. Once the short message verification code is intercepted, the size of the transaction amount cannot be modified, so that the conventional mode cannot be met in the aspects of operation convenience and safety, and whether the current operation APP is the user can not be ensured by the mode, so that the economic loss of the user is easily caused.
Disclosure of Invention
The embodiment of the invention provides a bank transaction limit modifying method, which is used for improving the convenience of bank transaction limit operation of a user, improving the efficiency and safety of bank transaction limit modification and improving the user experience, and comprises the following steps:
receiving a transaction limit modification request submitted by a user in a mobile phone bank APP; the transaction limit modification request carries user information and transaction limit modification data;
when determining that the user has the authority to modify the transaction limit according to the transaction limit modification data and the user information in the transaction limit modification request, sending a face recognition verification instruction;
receiving face recognition data for recording face information by a user according to the face recognition verification instruction;
and when the face recognition verification of the face recognition data is passed, executing transaction amount modification operation according to the transaction amount modification request.
The embodiment of the invention also provides a device for modifying the bank transaction limit, which is used for improving the convenience of bank transaction limit operation of a user, improving the efficiency and safety of bank transaction limit modification and improving the user experience, and comprises:
the transaction limit modification request receiving module is used for receiving a transaction limit modification request submitted by a user in a mobile phone bank APP; the transaction limit modification request carries user information and transaction limit modification data;
the face recognition verification instruction sending module is used for sending a face recognition verification instruction when determining that the user has the authority to modify the transaction amount according to the transaction amount modification data and the user information in the transaction amount modification request;
the face recognition data receiving module is used for receiving face recognition data for recording face information by a user according to the face recognition verification instruction;
and the transaction limit modification module is used for executing transaction limit modification operation according to the transaction limit modification request when the face recognition verification of the face recognition data is passed.
The embodiment of the invention also provides computer equipment which comprises a memory, a processor and a computer program which is stored on the memory and can be operated on the processor, wherein the processor realizes the bank transaction amount modification method when executing the computer program.
The embodiment of the invention also provides a computer readable storage medium, wherein a computer program is stored in the computer readable storage medium, and when being executed by a processor, the computer program realizes the bank transaction amount modification method.
The embodiment of the invention also provides a computer program product which comprises a computer program, and the computer program realizes the bank transaction amount modifying method when being executed by the processor.
In the embodiment of the invention, a transaction limit modification request submitted by a user in a mobile phone bank APP is received; the transaction limit modification request carries user information and transaction limit modification data; when determining that the user has the authority to modify the transaction limit according to the transaction limit modification data and the user information in the transaction limit modification request, sending a face recognition verification instruction; receiving face recognition data for recording face information by a user according to the face recognition verification instruction; when the face identification verification of the face identification data passes, transaction limit modification operation is executed according to the transaction limit modification request, compared with the technical scheme that the transaction limit modification can be completed only through a short message verification code in the prior art, the face identification data is obtained at a mobile phone terminal of a user, the transaction limit modification operation is executed when the face identification verification passes, the short message verification code does not need to be sent to a bank server, the problem that the transaction limit cannot be modified when the mobile phone cannot normally receive the short message verification code due to signal difference in the prior art is avoided, the convenience of bank transaction limit operation of the user is ensured, the user experience is improved, and the efficiency of bank transaction limit modification is also improved; meanwhile, the condition that the safety is weak due to the fact that the short message verification code is intercepted in the prior art is avoided, and the safety of bank transaction limit modification 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 flow chart of a method for modifying the credit of a bank transaction according to an embodiment of the present invention;
FIG. 2 is a diagram of an embodiment of a method for modifying a bank transaction amount according to the present invention;
FIG. 3 is a diagram illustrating an exemplary structure of a device for modifying the credit of bank transactions according to an embodiment of the present invention;
FIG. 4 is a diagram of an embodiment of a device for modifying the credit of a bank transaction according to 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.
The term "and/or" herein merely describes an associative relationship, meaning that three relationships may exist, e.g., a and/or B, may mean: a exists alone, A and B exist simultaneously, and B exists alone. In addition, the term "at least one" herein means any one of a plurality or any combination of at least two of a plurality, for example, including at least one of A, B, C, and may mean including any one or more elements selected from the group consisting of A, B and C.
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.
According to the technical scheme, the data acquisition, storage, use, processing and the like meet relevant regulations of national laws and regulations.
At present, when a user uses a mobile phone APP to perform a payment transaction, if the size of a transaction amount needs to be modified, a security tool is generally required to perform security verification.
At present, a common verification mode in a mobile phone APP is a short message verification code, when the short message verification code is used for modifying transaction amount, it is required to ensure that the mobile phone number can normally receive the short message verification code, if the mobile phone cannot normally receive the short message verification code in a weak signal area, the transaction amount in the mobile phone APP cannot be modified, and the short message verification code has a risk of being intercepted, so that the safety is weak. Once the short message verification code is intercepted, the size of the transaction amount cannot be modified, so that the conventional mode cannot be met in the aspects of operation convenience and safety, and whether the current operation APP is the user can not be ensured by the mode, so that the economic loss of the user is easily caused.
In order to solve the above problem, an embodiment of the present invention provides a method for modifying a bank transaction amount, so as to improve convenience of a user in performing operations on the bank transaction amount, improve efficiency and security of modifying the bank transaction amount, and improve user experience, where referring to fig. 1, the method may include:
step 101: receiving a transaction limit modification request submitted by a user in a mobile phone bank APP; the transaction limit modification request carries user information and transaction limit modification data;
step 102: when determining that the user has the authority to modify the transaction limit according to the transaction limit modification data and the user information in the transaction limit modification request, sending a face recognition verification instruction;
step 103: receiving face recognition data for recording face information by a user according to the face recognition verification instruction;
step 104: and when the face recognition verification of the face recognition data passes, executing transaction amount modification operation according to the transaction amount modification request.
In the embodiment of the invention, a transaction limit modification request submitted by a user in a mobile phone bank APP is received; the transaction limit modification request carries user information and transaction limit modification data; when determining that the user has the authority to modify the transaction limit according to the transaction limit modification data and the user information in the transaction limit modification request, sending a face recognition verification instruction; receiving face recognition data for recording face information by a user according to the face recognition verification instruction; when the face identification verification of the face identification data passes, transaction limit modification operation is executed according to the transaction limit modification request, compared with the technical scheme that the transaction limit modification can be completed only through a short message verification code in the prior art, the face identification data is obtained at a mobile phone terminal of a user, the transaction limit modification operation is executed when the face identification verification passes, the short message verification code does not need to be sent to a bank server, the problem that the transaction limit cannot be modified when the mobile phone cannot normally receive the short message verification code due to signal difference in the prior art is avoided, the convenience of bank transaction limit operation of the user is ensured, the user experience is improved, and the efficiency of bank transaction limit modification is also improved; meanwhile, the condition that the safety is weak due to the fact that the short message verification code is intercepted in the prior art is avoided, and the safety of bank transaction limit modification is improved.
When the method is implemented specifically, firstly, a transaction limit modification request submitted by a user in a mobile phone bank APP is received; the transaction amount modification request carries user information and transaction amount modification data.
In the embodiment, the user can submit a transaction limit modification request in a mobile phone bank APP at the mobile phone end of the user, and the transaction limit modification request can correspond to different financial processing requirements of the user, such as modification of the limit of transfer amount, modification of the limit of a credit card and the like.
In one embodiment, the user information carried by the transaction amount modification request may include: the identity information of the user and the related information of the bank card, such as the data of the bank card number and the like.
In specific implementation, after a transaction limit modification request submitted by a user in a mobile phone bank APP is received, a face recognition verification instruction is sent when the user is determined to have the authority of modifying the transaction limit according to the transaction limit modification data in the transaction limit modification request according to the transaction limit modification data and user information.
In the embodiment, the face recognition verification instruction is sent when the user is determined to have the authority of modifying the transaction amount according to the transaction amount modification data and the user information in the transaction amount modification request, and the face recognition verification instruction can be sent when the user is determined to have the authority of modifying the transaction amount according to the transaction amount modification data, so that the verification of whether the user has the authority of modifying the transaction amount according to the transaction amount modification data is realized, the situation that the face recognition verification instruction is sent when the user does not have the authority of modifying the transaction amount according to the transaction amount modification data, the subsequent error processing is caused is avoided, and the data safety of the user is ensured.
In an embodiment, as shown in fig. 2, the method further includes:
step 201: pre-receiving user permission information sent by a cashier cloud end server;
step 202: and determining whether the user has the authority to modify the transaction limit according to the transaction limit modification data according to the user authority information, the transaction limit modification data in the transaction limit modification request and the user information.
In the embodiment, the user permission information sent by the bank cloud server can be pre-received and stored in the background of the user mobile phone end, such as the mobile phone bank APP, so that in the verification process of whether the user has permission to modify the transaction limit according to the transaction limit modification data, the user can be accurately verified according to the user permission information.
In one embodiment, when it is determined that the user does not have the right to modify the transaction amount according to the transaction amount modification data and the user information in the transaction amount modification request, an alarm message that the user does not have the right to modify the transaction amount is sent, and the processing of the transaction amount modification request is stopped.
In one embodiment, the alarm information that the user does not have the authority to modify the transaction limit is sent out when the user does not have the authority to modify the transaction limit according to the transaction limit modification data, and the processing of the transaction limit modification request is stopped, so that the situation that the face recognition verification instruction is sent out when the user does not have the authority to modify the transaction limit according to the transaction limit modification data to cause subsequent error processing is avoided, and the data security of the user is guaranteed.
In specific implementation, when the user is determined to have the authority of transaction limit modification according to the transaction limit modification data, the face recognition verification instruction is sent, and then the face recognition data of the user for recording face information according to the face recognition verification instruction is received.
In the embodiment, the face recognition data for recording the face information according to the face recognition verification instruction is received, so that the verification of face recognition of the user according to the face recognition data in the subsequent step can be realized
In an embodiment, receiving face recognition data that a user records face information according to the face recognition verification instruction may include:
sending the face recognition verification instruction to a mobile banking APP; above-mentioned cell-phone bank APP is used for: calling a mobile phone camera according to the face recognition verification instruction, and recording face information of the user to obtain face recognition data of the user recorded by the camera;
and receiving face recognition data sent by the mobile banking APP.
In the embodiment, a mobile phone camera can be called through the mobile banking APP according to the face recognition verification instruction, face information of the user is recorded, and face recognition data of the user recorded by the camera is obtained.
In one embodiment, the method further includes:
pre-receiving user identity information and user face parameters sent by a cashier cloud end server;
according to the user information and the user identity information carried by the transaction limit modification request, whether the user operates for oneself is confirmed;
and when the matching degree of the user face parameters and the face recognition data exceeds a preset value, determining that the face recognition verification of the face recognition data is passed.
In the above embodiment, the user identity information and the user face parameters sent by the bank cloud server can be pre-received and stored in the background of the user mobile phone end, such as the mobile banking APP, so that in the process of face recognition of a user, accurate face recognition data detection can be realized for the user according to the user identity information and the user face parameters.
In one embodiment, when the face recognition verification performed on the face recognition data fails, an alarm message that the face recognition of the user fails is sent, and the processing of the transaction limit modification request is stopped.
In the embodiment, when the face recognition verification of the face recognition data fails, the alarm information that the face recognition of the user fails is sent, and the processing of the transaction limit modification request is stopped, so that the error caused by the fact that the follow-up processing steps are continuously executed under the condition that the face recognition of the user fails is avoided, and the data security of the user is guaranteed.
In specific implementation, after receiving the face recognition data recorded by the face information of the user according to the face recognition verification instruction, when the face recognition verification of the face recognition data is passed, the transaction amount modification operation is executed according to the transaction amount modification request.
In the embodiment, when the face recognition verification of the face recognition data passes, the transaction limit modification operation is executed according to the transaction limit modification request, so that the convenience of bank transaction limit operation performed by a user is ensured, the user experience is improved, and the efficiency of bank transaction limit modification is also improved; meanwhile, the condition that the safety is weak due to the fact that the short message verification code is intercepted in the prior art is avoided, and the safety of bank transaction limit modification is improved.
In specific implementation, the method for modifying the bank transaction amount provided by the embodiment of the invention may further include: when the face identification verification of the face identification data is not passed, sending a repeated verification instruction for carrying out fingerprint identification and/or voiceprint identification on the user;
receiving verification data recorded by fingerprint information and/or voiceprint instructions of a user according to the repeated verification instructions;
and when the fingerprint identification and/or the voiceprint identification of the verification data pass, executing transaction amount modification operation according to the transaction amount modification request.
In one embodiment, the user is authenticated by issuing repeated authentication instructions for fingerprinting and/or voiceprint recognition of the user; receiving verification data recorded by fingerprint information and/or voiceprint instructions of a user according to the repeated verification instructions; when the fingerprint identification and/or voiceprint identification verification carried out on the verification data passes, transaction limit modification operation is executed according to the transaction limit modification request, the identity verification of the user can be completed again according to the result of the fingerprint identification and/or voiceprint identification of the user under the condition that the mobile phone camera fails and the mobile phone bank APP calls the mobile phone camera to fail, the convenience of the user in bank transaction limit operation can be guaranteed, the user experience is improved, and the efficiency of bank transaction limit modification is improved.
In specific implementation, the method for modifying the bank transaction amount provided by the embodiment of the invention may further include:
sending the transaction limit modification request, the face recognition verification instruction, the face recognition data and the result of executing the transaction limit modification operation to a bank cloud server; the bank cloud server is used for: according to the transaction amount modification request, the face recognition verification instruction, the face recognition data and the result of executing the transaction amount modification operation, performing security verification on the executed transaction amount modification operation;
receiving a security verification result sent by a bank cloud server; and when the security check result shows that the executed transaction limit modification operation passes the audit, sending notification information that the transaction limit modification request of the user passes the bank cloud audit to the user.
In the embodiment, the technical effect of performing security check on the executed transaction limit modification operation according to the transaction limit modification request, the face recognition verification instruction, the face recognition data and the result of executing the transaction limit modification operation is realized through the bank cloud server, the whole-process check of executing the transaction limit modification operation by using the bank transaction limit modification method through the bank cloud server is realized, each step of applying the bank transaction limit modification method is ensured to be correct, the notification information that the transaction limit modification request of the user passes the bank cloud audit is issued to the user under the condition, the convenience of the user in performing the bank transaction limit operation is ensured, the user experience is improved, and the security of modifying the bank transaction limit is also improved.
In the embodiment of the invention, a transaction limit modification request submitted by a user in a mobile phone bank APP is received; the transaction limit modification request carries user information and transaction limit modification data; when determining that the user has the authority to modify the transaction limit according to the transaction limit modification data and the user information in the transaction limit modification request, sending a face recognition verification instruction; receiving face recognition data for recording face information by a user according to the face recognition verification instruction; when the face identification verification of the face identification data passes, transaction limit modification operation is executed according to the transaction limit modification request, compared with the technical scheme that the transaction limit modification can be completed only through a short message verification code in the prior art, the face identification data is obtained at a mobile phone terminal of a user, the transaction limit modification operation is executed when the face identification verification passes, the short message verification code does not need to be sent to a bank server, the problem that the transaction limit cannot be modified when the mobile phone cannot normally receive the short message verification code due to signal difference in the prior art is avoided, the convenience of bank transaction limit operation of the user is ensured, the user experience is improved, and the efficiency of bank transaction limit modification is also improved; meanwhile, the condition that the safety is weak due to the fact that the short message verification code is intercepted in the prior art is avoided, and the safety of bank transaction limit modification is improved.
The invention provides a method for modifying the transaction amount of an APP (application) based on a face recognition technology, which not only ensures the convenience of user operation and can increase the asset safety of a user, but also can modify the transaction amount of the APP of the mobile phone when the user uses the APP of the mobile phone to carry out payment transaction, and after the transaction amount is input, safety verification is carried out, the face information of the user is obtained through a face recognition scheme, whether the user information stored in the APP of the mobile phone is the same as the face information of the user currently obtained is verified, and if the user information is the same as the face information of the user currently obtained, the transaction amount of the APP of the mobile phone is successfully modified; otherwise, the modification of the transaction limit of the mobile phone APP fails. In conclusion, the invention verifies the identity information of the user by the face recognition technology when the user modifies the scene of the transaction amount of the mobile phone APP, thereby ensuring the convenience of the user operation, greatly increasing the safety and ensuring the asset safety of the user.
The embodiment of the invention also provides a bank transaction amount modifying device, which is as described in the following embodiment. Because the principle of the device for solving the problems is similar to the bank transaction limit modification method, the implementation of the device can refer to the implementation of the bank transaction limit modification method, and repeated details are not repeated.
The device for modifying the bank transaction limit provided by the embodiment of the invention is used for improving the convenience of bank transaction limit operation of a user, improving the efficiency and the safety of bank transaction limit modification and improving the user experience, and as shown in fig. 3, the device comprises:
a transaction amount modification request receiving module 301, configured to receive a transaction amount modification request submitted by a user in a mobile banking APP; the transaction limit modification request carries user information and transaction limit modification data;
a face recognition verification instruction sending module 302, configured to send a face recognition verification instruction when determining that the user has the right to modify the transaction amount according to the transaction amount modification data and the user information in the transaction amount modification request;
a face recognition data receiving module 303, configured to receive face recognition data obtained by a user recording face information according to the face recognition verification instruction;
and a transaction amount modification module 304, configured to execute a transaction amount modification operation according to the transaction amount modification request when the face recognition verification performed on the face recognition data passes.
In one embodiment, as shown in fig. 4, further comprising:
a user permission determination module 305 for:
pre-receiving user permission information sent by a cashier cloud end server;
and determining whether the user has the authority to modify the transaction limit according to the transaction limit modification data according to the user authority information, the transaction limit modification data in the transaction limit modification request and the user information.
In one embodiment, further comprising:
the first warning information sending module is used for:
and when determining that the user does not have the authority to modify the transaction limit according to the transaction limit modification data and the user information in the transaction limit modification request, sending out alarm information that the user does not have the authority to modify the transaction limit, and stopping the processing of the transaction limit modification request.
In one embodiment, the face recognition data receiving module is specifically configured to:
sending the face recognition verification instruction to a mobile banking APP; above-mentioned cell-phone bank APP is used for: calling a mobile phone camera according to the face recognition verification instruction, and recording face information of the user to obtain face recognition data of the user recorded by the camera;
and receiving face recognition data sent by the mobile banking APP.
In one embodiment, further comprising:
a face recognition module to:
pre-receiving user identity information and user face parameters sent by a cashier cloud end server;
according to the user information and the user identity information carried by the transaction limit modification request, whether the user operates for oneself is confirmed;
and when the matching degree of the user face parameters and the face recognition data exceeds a preset value, determining that the face recognition verification of the face recognition data is passed.
In one embodiment, further comprising:
the first warning information sending module is used for:
and sending out warning information that the face recognition of the user fails when the face recognition verification of the face recognition data fails, and stopping processing the transaction amount modification request.
In one embodiment, further comprising:
the transaction amount repeated modification module is used for:
when the face identification verification of the face identification data is not passed, sending a repeated verification instruction for carrying out fingerprint identification and/or voiceprint identification on the user;
receiving verification data recorded by fingerprint information and/or voiceprint instructions of a user according to the repeated verification instructions;
and when the fingerprint identification and/or the voiceprint identification of the verification data pass, executing transaction amount modification operation according to the transaction amount modification request.
In one embodiment, further comprising:
the cloud security check module is used for:
sending the transaction limit modification request, the face recognition verification instruction, the face recognition data and the result of executing the transaction limit modification operation to a bank cloud server; the bank cloud server is used for: according to the transaction limit modification request, the face recognition verification instruction, the face recognition data and the result of executing the transaction limit modification operation, performing security verification on the executed transaction limit modification operation;
receiving a security verification result sent by a bank cloud server; and when the security check result shows that the executed transaction limit modification operation passes the audit, sending notification information that the transaction limit modification request of the user passes the bank cloud audit to the user.
Based on the above inventive concept, as shown in fig. 5, the present invention further provides a computer device 500, which includes a memory 510, a processor 520, and a computer program 530 stored in the memory 510 and operable on the processor 520, wherein the processor 520 executes the computer program 530 to implement the bank transaction amount modification method.
The embodiment of the invention also provides a computer readable storage medium, wherein a computer program is stored in the computer readable storage medium, and when being executed by a processor, the computer program realizes the bank transaction amount modification method.
The embodiment of the invention also provides a computer program product which comprises a computer program, and the computer program realizes the bank transaction amount modifying method when being executed by the processor.
In the embodiment of the invention, a transaction limit modification request submitted by a user in a mobile phone bank APP is received; the transaction limit modification request carries user information and transaction limit modification data; when determining that the user has the authority to modify the transaction limit according to the transaction limit modification data and the user information in the transaction limit modification request, sending a face recognition verification instruction; receiving face recognition data for recording face information by a user according to the face recognition verification instruction; when the face identification verification of the face identification data passes, transaction limit modification operation is executed according to the transaction limit modification request, compared with the technical scheme that the transaction limit modification can be completed only through a short message verification code in the prior art, the face identification data is obtained at a mobile phone terminal of a user, the transaction limit modification operation is executed when the face identification verification passes, the short message verification code does not need to be sent to a bank server, the problem that the transaction limit cannot be modified when the mobile phone cannot normally receive the short message verification code due to signal difference in the prior art is avoided, the convenience of bank transaction limit operation of the user is ensured, the user experience is improved, and the efficiency of bank transaction limit modification is also improved; meanwhile, the condition that the safety is weak due to the fact that the short message verification code is intercepted in the prior art is avoided, and the safety of bank transaction limit modification is improved.
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 provided to further explain the objects, technical solutions and advantages of the present invention in detail, and it should be understood that the above-mentioned embodiments are only examples of the present invention and should not be used to limit the scope of the present invention, and any modifications, equivalents, 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 (19)

1. A bank transaction amount modifying method is characterized by comprising the following steps:
receiving a transaction limit modification request submitted by a user in a mobile phone bank APP; the transaction limit modification request carries user information and transaction limit modification data;
when determining that the user has the authority to modify the transaction limit according to the transaction limit modification data and the user information in the transaction limit modification request, sending a face recognition verification instruction;
receiving face recognition data for recording face information by a user according to the face recognition verification instruction;
and when the face recognition verification of the face recognition data is passed, executing transaction amount modification operation according to the transaction amount modification request.
2. The method of claim 1, further comprising:
pre-receiving user permission information sent by a cashier cloud end server;
and determining whether the user has the authority to modify the transaction limit according to the transaction limit modification data according to the user authority information, the transaction limit modification data in the transaction limit modification request and the user information.
3. The method of claim 1, further comprising:
and sending out alarm information that the user has no authority to modify the transaction limit and stopping processing the transaction limit modification request when determining that the user has no authority to modify the transaction limit according to the transaction limit modification data and the user information in the transaction limit modification request.
4. The method of claim 1, wherein receiving face recognition data from a user recording face information according to the face recognition verification instruction comprises:
sending the face recognition verification instruction to a mobile banking APP; the mobile banking APP is used for: calling a mobile phone camera according to the face recognition verification instruction, and recording face information of the user to obtain face recognition data of the user recorded by the camera;
and receiving face recognition data sent by the mobile banking APP.
5. The method of claim 1, further comprising:
pre-receiving user identity information and user face parameters sent by a cashier cloud end server;
according to the user information and the user identity information carried by the transaction limit modification request, whether the user operates for oneself is confirmed;
and when the matching degree of the user face parameters and the face recognition data exceeds a preset value, determining that the face recognition verification of the face recognition data is passed.
6. The method of claim 1, further comprising:
and when the face recognition verification of the face recognition data fails, sending out warning information that the face recognition of the user fails, and stopping the processing of the transaction limit modification request.
7. The method of claim 1, further comprising:
when the face identification verification of the face identification data is not passed, sending a repeated verification instruction for carrying out fingerprint identification and/or voiceprint identification on the user;
receiving verification data recorded by the user according to the repeated verification instruction and the fingerprint information and/or the voiceprint instruction;
and when the fingerprint identification and/or the voiceprint identification of the verification data pass, executing transaction amount modification operation according to the transaction amount modification request.
8. The method of claim 1, further comprising:
sending the transaction limit modification request, the face recognition verification instruction, the face recognition data and the result of executing the transaction limit modification operation to a bank cloud server; the bank cloud server is used for: according to the transaction limit modification request, the face recognition verification instruction, the face recognition data and the result of executing the transaction limit modification operation, performing security verification on the executed transaction limit modification operation;
receiving a security verification result sent by a bank cloud server; and when the security check result shows that the executed transaction limit modification operation passes the audit, sending notification information that the transaction limit modification request of the user passes the bank cloud audit to the user.
9. A bank transaction amount modifying device is characterized by comprising:
the transaction limit modification request receiving module is used for receiving a transaction limit modification request submitted by a user in a mobile phone bank APP; the transaction limit modification request carries user information and transaction limit modification data;
the face recognition verification instruction sending module is used for sending a face recognition verification instruction when determining that the user has the authority to modify the transaction amount according to the transaction amount modification data and the user information in the transaction amount modification request;
the face recognition data receiving module is used for receiving face recognition data for recording face information by a user according to the face recognition verification instruction;
and the transaction limit modification module is used for executing transaction limit modification operation according to the transaction limit modification request when the face recognition verification of the face recognition data is passed.
10. The apparatus of claim 9, further comprising:
a user permission determination module to:
pre-receiving user permission information sent by a cashier cloud end server;
and determining whether the user has the authority to modify the transaction limit according to the transaction limit modification data according to the user authority information, the transaction limit modification data in the transaction limit modification request and the user information.
11. The apparatus of claim 9, further comprising:
the first warning information sending module is used for:
and sending out alarm information that the user has no authority to modify the transaction limit and stopping processing the transaction limit modification request when determining that the user has no authority to modify the transaction limit according to the transaction limit modification data and the user information in the transaction limit modification request.
12. The apparatus of claim 9, wherein the face recognition data receiving module is specifically configured to:
sending the face recognition verification instruction to a mobile banking APP; the mobile banking APP is used for: calling a mobile phone camera according to the face recognition verification instruction, and recording face information of the user to obtain face recognition data of the user recorded by the camera;
and receiving face recognition data sent by the mobile banking APP.
13. The apparatus of claim 9, further comprising:
a face recognition module to:
pre-receiving user identity information and user face parameters sent by a cashier cloud end server;
according to the user information and the user identity information carried by the transaction limit modification request, whether the user operates for oneself is confirmed;
and when the matching degree of the user face parameters and the face recognition data exceeds a preset value, determining that the face recognition verification of the face recognition data is passed.
14. The apparatus of claim 9, further comprising:
the first warning information sending module is used for:
and when the face recognition verification of the face recognition data fails, sending out warning information that the face recognition of the user fails, and stopping the processing of the transaction limit modification request.
15. The apparatus of claim 9, further comprising:
the transaction amount repeated modification module is used for:
when the face identification verification of the face identification data is not passed, sending a repeated verification instruction for carrying out fingerprint identification and/or voiceprint identification on the user;
receiving verification data recorded by the user according to the repeated verification instruction and the fingerprint information and/or the voiceprint instruction;
and when the fingerprint identification and/or the voiceprint identification of the verification data pass, executing transaction amount modification operation according to the transaction amount modification request.
16. The apparatus of claim 9, further comprising:
the cloud security check module is used for:
sending the transaction limit modification request, the face recognition verification instruction, the face recognition data and the result of executing the transaction limit modification operation to a bank cloud server; the bank cloud server is used for: according to the transaction limit modification request, the face recognition verification instruction, the face recognition data and the result of executing the transaction limit modification operation, performing security verification on the executed transaction limit modification operation;
receiving a security verification result sent by a bank cloud server; and when the security check result shows that the executed transaction limit modification operation passes the audit, sending notification information that the transaction limit modification request of the user passes the bank cloud audit to the user.
17. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the method of any one of claims 1 to 8 when executing the computer program.
18. A computer-readable storage medium, characterized in that the computer-readable storage medium stores a computer program which, when executed by a processor, implements the method of any one of claims 1 to 8.
19. A computer program product, characterized in that the computer program product comprises a computer program which, when being executed by a processor, carries out the method of any one of claims 1 to 8.
CN202210403000.0A 2022-04-18 2022-04-18 Bank transaction amount modifying method and device Pending CN114862402A (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
CN202210403000.0A CN114862402A (en) 2022-04-18 2022-04-18 Bank transaction amount modifying method and device

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
CN202210403000.0A CN114862402A (en) 2022-04-18 2022-04-18 Bank transaction amount modifying method and device

Publications (1)

Publication Number Publication Date
CN114862402A true CN114862402A (en) 2022-08-05

Family

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Family Applications (1)

Application Number Title Priority Date Filing Date
CN202210403000.0A Pending CN114862402A (en) 2022-04-18 2022-04-18 Bank transaction amount modifying method and device

Country Status (1)

Country Link
CN (1) CN114862402A (en)

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