CN117495528A - Self-service handling method, device and equipment for bankbook business and storage medium - Google Patents
Self-service handling method, device and equipment for bankbook business and storage medium Download PDFInfo
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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
- 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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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06V—IMAGE OR VIDEO RECOGNITION OR UNDERSTANDING
- G06V40/00—Recognition of biometric, human-related or animal-related patterns in image or video data
- G06V40/10—Human or animal bodies, e.g. vehicle occupants or pedestrians; Body parts, e.g. hands
- G06V40/16—Human faces, e.g. facial parts, sketches or expressions
- G06V40/161—Detection; Localisation; Normalisation
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06V—IMAGE OR VIDEO RECOGNITION OR UNDERSTANDING
- G06V40/00—Recognition of biometric, human-related or animal-related patterns in image or video data
- G06V40/40—Spoof detection, e.g. liveness detection
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06V—IMAGE OR VIDEO RECOGNITION OR UNDERSTANDING
- G06V40/00—Recognition of biometric, human-related or animal-related patterns in image or video data
- G06V40/70—Multimodal biometrics, e.g. combining information from different biometric modalities
Abstract
The invention relates to artificial intelligence technology, and discloses a self-service handling method for passbook business, which comprises the following steps: and displaying service options to the user, and when the user selects the bankbook to log in, checking the bankbook password of the user according to the bankbook inserted by the user to realize the bankbook to log in. When the user selects to issue a new discount, the user is subjected to first joint verification and living body identification authorization according to the debit card and the identity card of the user, so that the new discount is issued to the user. When the user selects the old conversion, the second joint verification and the living body identification authorization are carried out on the user according to the old conversion and the identity card of the user, so that the old conversion and the new conversion of the user are realized. The invention also provides a self-service handling device for the passbook service, electronic equipment and a storage medium. The invention can improve the efficiency of bankbook business handling.
Description
Technical Field
The invention relates to the technical field of artificial intelligence, in particular to a self-service handling method, device and equipment for passbook business and a storage medium.
Background
The bankbook is a book for recording the bank transaction of the deposit account, and has higher security compared with the bank card. The existing business such as new book distribution, old book collection and the like is mainly handled by the user going to a bank counter, so that the time consumption is long and the handling efficiency is low, and therefore, a method for improving the handling efficiency of the bankbook business is needed.
Disclosure of Invention
The invention provides a self-service handling method and device for bankbook business and a computer readable storage medium, and mainly aims to solve the problem of low handling efficiency of the conventional bankbook business.
In order to achieve the above object, the present invention provides a self-service handling method for passbook service, comprising:
displaying service options to a user, and prompting the user to select services according to the service options;
when the user selects the bankbook for login, carrying out bankbook password verification on the user according to the to-be-login bankbook inserted by the user, and carrying out bankbook login on the user after the user passes the bankbook password verification;
when a user selects to issue a new passbook, performing first joint verification on the user according to a debit card and an identity card inserted by the user, performing living body identification authorization on the user after the user passes the first joint verification, and issuing the new passbook to the user according to the living body identification authorization;
when the user selects old conversion, the second joint verification is carried out on the user according to the old conversion and the identity card inserted by the user, the living body identification authorization is carried out on the user after the user passes through the second joint verification, and the old conversion is carried out on the user according to the living body identification authorization.
Optionally, the performing passbook password verification on the user according to the to-be-subsidized passbook inserted by the user includes:
acquiring a password input by a user through a preset password keyboard, and obtaining a password to be checked;
encrypting the password to be verified through a preset encryption algorithm to obtain a user verification code;
if the user verification code is matched with the pre-calculated bank card encryption verification code, the password verification is judged to be successful, otherwise, the password verification is judged to be failed.
Optionally, the performing a first joint verification on the user according to the debit card and the identity card inserted by the user includes: and carrying out debit card password verification on the user according to the debit card, carrying out certificate number verification on the debit card, and carrying out identity information verification on the user according to the identity card.
Optionally, the verifying the certificate number of the debit card includes:
scanning the debit card to obtain a digital image;
extracting text information from the digital image to obtain text data;
extracting a certificate number from the text data to obtain certificate number information;
acquiring account information of the debit card through a card reader, and extracting a voucher number in the account information to obtain debit card voucher number information;
comparing the debit card credential information with the credential information;
if the credit card information is the same as the credit card information, the credit card is successfully checked;
if the debit card credential information is different from the credential information, the credential verification fails.
Optionally, the performing the living body identification authorization on the user includes:
detecting the living body of the face of the user by using a preset camera and a preset infrared sensor, and judging whether the user is a living body or not;
if the user is judged to be a living body, the camera is used for carrying out face recognition on the user;
if the user passes the face recognition, the administrator performs authorization through fingerprint verification.
Optionally, the step of detecting the living body of the face of the user by using a preset camera and a preset infrared sensor to determine whether the user is a living body includes:
acquiring the body temperature of a user by using the infrared sensor through an infrared reflection method;
if the body temperature of the user is in the preset body temperature range, calculating the face optical flow characteristics of the user by using the camera through an optical flow method;
comparing the face optical flow characteristics with the pre-stored real face optical flow characteristics to obtain a comparison result;
and judging whether the current user is a living body according to the comparison result.
Optionally, the performing face recognition on the user through the camera includes:
shooting a face of a user through the camera to obtain a face picture of the user;
acquiring an identity card user head portrait through the identity card reader to obtain an identity card face picture;
extracting the face features of the face picture of the user to obtain the face features of the user, and extracting the face features of the face picture of the identity card to obtain the face features of the identity card;
converting the face features of the user into face feature vectors of the user through feature codes, and converting the face features of the identity card into face feature vectors of the identity card through feature codes;
calculating the similarity between the face feature vector of the user and the face feature vector of the identity card;
and if the similarity is greater than or equal to a preset similarity threshold, the face recognition passes.
In order to solve the above problems, the present invention further provides a self-service handling device for passbook service, the device comprising:
service display module: displaying service options to a user, and prompting the user to select services according to the service options;
bankbook complement module: when the user selects the bankbook for login, carrying out bankbook password verification on the user according to the to-be-login bankbook inserted by the user, and carrying out bankbook login on the user after the user passes the bankbook password verification;
issuing a new folding module: when a user selects to issue a new passbook, performing first joint verification on the user according to a debit card and an identity card inserted by the user, performing living body identification authorization on the user after the user passes the first joint verification, and issuing the new passbook to the user according to the living body identification authorization;
old conversion new module: when the user selects old conversion, the second joint verification is carried out on the user according to the old conversion and the identity card inserted by the user, the living body identification authorization is carried out on the user after the user passes through the second joint verification, and the old conversion is carried out on the user according to the living body identification authorization.
In order to solve the above-mentioned problems, the present invention also provides an electronic apparatus including:
at least one processor; the method comprises the steps of,
a memory communicatively coupled to the at least one processor; wherein,
the memory stores a computer program executable by the at least one processor to enable the at least one processor to perform the passbook service self-service method described above.
In order to solve the above-mentioned problems, the present invention further provides a computer readable storage medium, in which at least one computer program is stored, the at least one computer program being executed by a processor in an electronic device to implement the passbook service self-service handling method described above.
According to the embodiment of the invention, the service options are displayed to the user, and when the user selects the bankbook for login, the bankbook password verification is performed on the user according to the bankbook inserted by the user, so that the bankbook login is realized. When the user selects to issue a new discount, the first joint verification is carried out on the user according to the debit card and the identity card of the user, and the living body identification authorization is realized to issue the new discount to the user. When the user selects old conversion, the second joint verification is carried out on the user according to the old conversion and the identity card of the user, and the living body identification authorization is realized to carry out the old conversion and the new conversion on the user. Therefore, the self-service handling method, the self-service handling device, the electronic equipment and the computer readable storage medium for the bankbook business can solve the problem of low efficiency of the existing bankbook business handling mode.
Drawings
FIG. 1 is a schematic flow chart of a self-service handling method for passbook services according to an embodiment of the present invention;
fig. 2 is a schematic diagram of a face living body detection flow provided in an embodiment of the invention;
fig. 3 is a schematic diagram of a face recognition flow provided in an embodiment of the present invention;
FIG. 4 is a functional block diagram of a self-service transaction device for passbook services according to an embodiment of the present invention;
fig. 5 is a schematic structural diagram of an electronic device for implementing the passbook service self-service handling method according to an embodiment of the present invention.
The achievement of the objects, functional features and advantages of the present invention will be further described with reference to the accompanying drawings, in conjunction with the embodiments.
Detailed Description
It should be understood that the specific embodiments described herein are for purposes of illustration only and are not intended to limit the scope of the invention.
The embodiment of the application provides a self-service handling method for passbook business. The execution main body of the bankbook service self-service handling method comprises, but is not limited to, at least one of a server side, a terminal and the like which can be configured to execute the method provided by the embodiment of the application. In other words, the passbook business self-service handling method may be performed by software or hardware installed in a terminal device or a server device, and the software may be a blockchain platform. The service end includes but is not limited to: a single server, a server cluster, a cloud server or a cloud server cluster, and the like. The server may be an independent server, or may be a cloud server that provides cloud services, cloud databases, cloud computing, cloud functions, cloud storage, network services, cloud communications, middleware services, domain name services, security services, content delivery networks (Content Delivery Network, CDN), and basic cloud computing services such as big data and artificial intelligence platforms.
Referring to fig. 1, a flow chart of a self-service handling method for passbook service according to an embodiment of the present invention is shown. In this embodiment, the self-service handling method for the passbook service includes:
s1, showing service options to a user, and prompting the user to select the service according to the service options.
In the embodiment of the invention, service options are displayed to a user through a display screen, and in detail, the service options comprise: bankbook subsidy, issuing new and old books for new.
In the embodiment of the invention, the user can be prompted by voice through a loudspeaker to select according to the service option.
In the embodiment of the invention, the service items can be displayed through the display screen, and the user is prompted to select the service through the loudspeaker voice, so that the service experience of the user is improved, and the service handling efficiency is improved.
S2, judging whether the user selects the bankbook to be complemented.
And when the user selects the bankbook for login, executing S3, carrying out bankbook password verification on the user according to the to-be-login bankbook inserted by the user, and carrying out bankbook login on the user after the user passes the bankbook password verification.
In the embodiment of the invention, the bankbook is transaction information of the bankbook.
In the embodiment of the invention, the passbook password verification for the user according to the to-be-complemented passbook inserted by the user comprises the following steps:
acquiring a password input by a user through a preset password keyboard, and obtaining a password to be checked;
encrypting the password to be verified through a preset encryption algorithm to obtain a user verification code;
if the user verification code is matched with the pre-calculated bank card encryption verification code, the password verification is judged to be successful, otherwise, the password verification is judged to be failed.
In detail, the preset encryption algorithm is an algorithm defined by banks, and each bank is different from one bank to another.
Further, the pre-calculated bank card encryption verification code is obtained by carrying out encryption calculation through each bank custom encryption algorithm according to the information such as the card number of the bankbook to be complemented, the second magnetic track primary account number of the bankbook to be complemented, the card issuing bank identification code of the bankbook to be complemented and the like.
In an embodiment of the present invention, the performing passbook complement on the user includes:
reading the magnetic stripe information of the bankbook to be complemented through a card reader;
extracting account information in the magnetic stripe information;
matching the account information with transaction information of a user database in a server to obtain transaction information;
and printing the transaction information on the bankbook to be complemented.
In the embodiment of the invention, the transaction information is printed on the bankbook to be complemented by a preset printer.
In detail, when the transaction information is printed, if the length of the transaction information is greater than the length of the individual pages of the bankbook to be complemented, after one page of the bankbook to be complemented is printed, the user is prompted to turn pages and the rest transaction information is printed. And if the length of the rest transaction information is greater than the length of the individual page of the bankbook to be complemented, re-executing the printing and prompting the user to turn pages.
In the embodiment of the invention, when the user selects the bankbook complement, the user obtains the transaction information and prints after passing the password verification, thereby improving the efficiency of the user for transacting the bankbook complement business.
And when the user does not select the bankbook for entry, executing S4, and judging whether the user selects to issue a new bankbook or not.
When the user selects to issue a new passbook, S5 is executed, the first joint verification is carried out on the user according to the debit card and the identity card inserted by the user, the living body identification authorization is carried out on the user after the user passes through the first joint verification, and the new passbook is issued to the user according to the living body identification authorization.
In the embodiment of the invention, the first joint verification for the user according to the debit card and the identity card inserted by the user comprises the following steps: and carrying out debit card password verification on the user according to the debit card, carrying out certificate number verification on the debit card, and carrying out identity information verification on the user according to the identity card.
In the embodiment of the present invention, the step of verifying the debit card password for the user is described in the foregoing, and is not described herein.
In an embodiment of the present invention, the verifying the certificate number of the debit card includes:
scanning the debit card to obtain a digital image;
extracting text information from the digital image to obtain text data;
extracting a certificate number from the text data to obtain certificate number information;
acquiring account information of the debit card through a card reader, and extracting a voucher number in the account information to obtain debit card voucher number information;
comparing the debit card credential information with the credential information;
if the credit card information is the same as the credit card information, the credit card is successfully checked;
if the debit card credential information is different from the credential information, the credential verification fails.
In detail, the digital image may be subjected to text information extraction using an OCR technology, which is a technology of checking characters printed on a target using an electronic device (e.g., a scanner or a digital camera), determining shapes thereof by detecting dark and bright patterns, and then translating the shapes into computer text using a character recognition method. In detail, the OCR technology is a technology that converts characters in a target into an image file of a black-and-white lattice, and converts characters in an image into a text format through recognition software for further editing and processing by word processing software.
In an embodiment of the present invention, the identity information verification includes:
reading the identity information stored in the identity card through an identity card reader to obtain the identity information of the user;
acquiring account information of the debit card through a card reader, extracting user identity information in the account information to obtain background identity information, and comparing the background identity information with the user identity information;
if the background identity information is the same as the user identity information, the identity information is successfully checked;
if the background identity information is different from the user identity information, the identity information verification fails.
In detail, the identity card reader reads the personal information in the chip through a TypeB non-contact IC card reading technology and an embedded special identity card safety control module, and the personal information is read out and uploaded to a computer through a computer communication interface after the personal information is subjected to safety authentication with an RFID chip in a second-generation resident identity card in a wireless transmission mode. In detail, the personal information material includes: name, avatar picture, gender, name family, address, date of birth, etc.
In detail, the step of obtaining the account information of the debit card through the card reader is described above, and will not be described herein.
In an embodiment of the present invention, the performing living body identification and authorization on the user includes:
detecting the living body of the face of the user by using a preset camera and a preset infrared sensor, and judging whether the user is a living body or not;
if the user is judged to be a living body, the camera is used for carrying out face recognition on the user;
if the user passes the face recognition, the administrator performs authorization through fingerprint verification.
In detail, the method for detecting the living body of the face of the user by using the preset camera and the preset infrared sensor, judging whether the user is a living body, includes:
s21, acquiring the body temperature of a user by using the infrared sensor through an infrared reflection method;
s22, if the body temperature of the user is in a preset body temperature range, calculating the face optical flow characteristics of the user by using the camera through an optical flow method;
s23, comparing the face optical flow characteristics with the pre-stored real face optical flow characteristics to obtain a comparison result;
s24, judging whether the current user is a living body according to the comparison result.
In detail, the optical flow method utilizes the time domain change and correlation of pixel intensity data in an image sequence to determine the motion of each pixel position, obtains the operation information of each pixel point from the image sequence, and adopts a Gaussian differential filter, LBP characteristics and a support vector machine to carry out data statistical analysis. Meanwhile, the optical flow method is sensitive to the movement of objects, and eyeball movement and blink can be uniformly detected by using the optical flow method. The living body detection method can realize blind detection under the condition that users are not matched, and can improve the success rate of detection.
In detail, the calculation of the face optical flow characteristics of the user by using the camera through an optical flow method is realized through a pre-trained face detection model.
In detail. The comparison of the face optical flow characteristics with the pre-stored real face optical flow characteristics is also realized through a pre-trained face detection model.
Further, the face detection model may be a neural network model including, but not limited to, a CNN (Convolutional Neural Networks, convolutional neural network) model and an RNN (Recurrent Neural Network, cyclic neural network) model.
In the embodiment of the present invention, the step of performing face recognition on the user by the camera includes:
s31, shooting a face of a user through the camera to obtain a face picture of the user;
s32, acquiring an identity card user head portrait through the identity card reader to obtain an identity card face picture;
s33, extracting the face features of the face picture of the user to obtain the face features of the user, and extracting the face features of the face picture of the identity card to obtain the face features of the identity card;
s34, converting the face features of the user into face feature vectors of the user through feature codes, and converting the face features of the identity card into face feature vectors of the identity card through feature codes;
s35, calculating the similarity between the face feature vector of the user and the face feature vector of the identity card;
s36, judging whether the similarity is larger than a preset similarity threshold value or not;
if the similarity is greater than or equal to a preset similarity threshold, S37 is executed, and the passing of face recognition is judged;
and if the similarity is smaller than a preset similarity threshold, executing S38, and judging that the face recognition does not pass.
In detail, the feature coding is a process of converting nonlinear features into linear features through a machine learning algorithm, and common feature codes include single-hot coding and tag coding.
In detail, the similarity between the face feature vector of the user and the face feature vector of the identity card is calculated through a cosine similarity method.
Further, the preliminary similarity method is a method of evaluating the similarity between two vectors by calculating cosine values between them. The closer the cosine value is to 1, the more similar the two vectors are.
In detail, the cosine similarity can be calculated by the following formula:
wherein COS (A, B) represents cosine similarity, A represents the face feature vector of the user, B represents the face feature vector of the identity card, n represents the dimension of the vector, ai represents the ith component of the vector A, and Bi represents the ith component of the vector B.
In the embodiment of the invention, the authorization by the administrator means that the authorization is performed by inputting the fingerprint.
In an embodiment of the present invention, the issuing a new discount to a user includes:
acquiring blank folds from the folding box;
writing track information on the blank folds to obtain blank folds with the track information;
printing the first page content on the blank book with the magnetic track information to obtain a new bankbook;
and issuing the new bankbook to the user through the bankbook issuing machine.
In the embodiment of the invention, when the user selects to issue a new book, the user inserts a debit card and an identity card to check the password, check the certificate number and check the identity information, then carries out living body detection and face recognition, and after the user passes through the password check, the certificate number check, the identity information check, the living body detection and the face recognition, the user can issue the new book for the user through the fingerprint authorization of an administrator, so that the transaction safety is improved, and the transaction efficiency of issuing the new book service is improved.
When the user does not select to issue a new discount, S6 is executed to judge whether the user selects an old discount to be replaced with a new one.
And when the user selects the old fold and the new fold, S7 is executed, the second joint verification is carried out on the user according to the old fold and the identity card inserted by the user, the living body identification authorization is carried out on the user after the user passes through the second joint verification, and the old fold and the new fold are carried out on the user according to the living body identification authorization.
In the embodiment of the invention, the second joint verification for the user according to the old fold and the identity card inserted by the user comprises the following steps: and carrying out passbook password verification on the user according to the old book, carrying out credential number verification on the old book, and carrying out identity information verification on the user according to the identity card.
In the embodiment of the present invention, the steps of passbook password verification, credential number verification, identity information verification, and living body identification of the user are described above, and are not described here again.
In an embodiment of the present invention, the performing old conversion and updating on the user includes: cutting off the first page of the old book, returning the residual page of the old book, printing a new bankbook and issuing.
In the embodiment of the invention, the cutting of the front page of the old fold is completed through a cutting tool preset in the card reader, and the cut front page is sent to the recovery box.
In detail, the step of printing the new passbook for issuing is described above, and will not be described here again.
In the embodiment of the invention, when a user selects an old fold to be replaced, the user inserts the old fold and the identity card to carry out password verification, certificate number verification and identity information verification on the user, then carries out living body detection and face recognition on the user, and after the user carries out front page cutting on the old fold and returns the residual page of the old fold through the fingerprint authorization of an administrator after the password verification, certificate number verification, identity information verification, living body detection and face recognition are carried out on the user, so that the transaction safety is improved, and the transaction efficiency of the old fold new service is improved.
And when the user does not select the old fold to be replaced with the new one, re-executing S1, displaying service options to the user, and prompting the user to select the service according to the service.
On the other hand, when the new folding allowance is insufficient or the old folding recovery amount is full in the service process of the user, the manager is prompted to carry out the clearing folding.
In detail, when the new folding allowance is insufficient or the old folding recovery amount is full, prompting an administrator to carry out machine cleaning and folding, including:
recording the release quantity of the new folds and the recovery quantity of the old folds through a counter preset in the card reader;
if the release number is greater than or equal to a preset folding box storage threshold, or the recovery number is greater than or equal to a preset recovery box storage threshold, prompting an administrator to carry out machine clearing and folding.
In detail, the clearing and folding means to clear the old front page of the folding in the recovery box and to add the blank new folding in the folding box.
Fig. 4 is a functional block diagram of a passbook service self-service handling device according to an embodiment of the present invention.
The self-service transaction device 100 for passbook business can be installed in electronic equipment. Depending on the functions implemented, the passbook business self-service transaction device 100 may include a service display module 101, a passbook complement module 102, a new-issuing module 103, and an old-conversion module 104. The module of the invention, which may also be referred to as a unit, refers to a series of computer program segments, which are stored in the memory of the electronic device, capable of being executed by the processor of the electronic device and of performing a fixed function.
In the present embodiment, the functions concerning the respective modules/units are as follows:
the service presentation module 101: displaying service options to a user, and prompting the user to select services according to the service options;
the passbook complement module 102: when the user selects the bankbook for login, carrying out bankbook password verification on the user according to the to-be-login bankbook inserted by the user, and carrying out bankbook login on the user after the user passes the bankbook password verification;
the issuing new book module 103: when a user selects to issue a new passbook, performing first joint verification on the user according to a debit card and an identity card inserted by the user, performing living body identification authorization on the user after the user passes the first joint verification, and issuing the new passbook to the user according to the living body identification authorization;
the old trade new module 104: when the user selects old conversion, the second joint verification is carried out on the user according to the old conversion and the identity card inserted by the user, the living body identification authorization is carried out on the user after the user passes through the second joint verification, and the old conversion is carried out on the user according to the living body identification authorization.
In detail, each module in the passbook service self-service handling device 100 in the embodiment of the present invention adopts the same technical means as the passbook service self-service handling method described in fig. 1 to 3 and can produce the same technical effects when in use, and will not be described herein.
Fig. 5 is a schematic structural diagram of an electronic device for implementing a self-service handling method for passbook service according to an embodiment of the present invention.
The electronic device 1 may comprise a processor 10, a memory 11, a communication bus 12 and a communication interface 13, and may further comprise a computer program, such as a passbook service self-service transaction program, stored in the memory 11 and executable on the processor 10.
The processor 10 may be formed by an integrated circuit in some embodiments, for example, a single packaged integrated circuit, or may be formed by a plurality of integrated circuits packaged with the same function or different functions, including one or more central processing units (Central Processing unit, CPU), a microprocessor, a digital processing chip, a graphics processor, a combination of various control chips, and so on. The processor 10 is a Control Unit (Control Unit) of the electronic device, connects various components of the entire electronic device using various interfaces and lines, and executes various functions of the electronic device and processes data by running or executing programs or modules (e.g., executing a passbook service self-service transaction program, etc.) stored in the memory 11, and calling data stored in the memory 11.
The memory 11 includes at least one type of readable storage medium including flash memory, a removable hard disk, a multimedia card, a card type memory (e.g., SD or DX memory, etc.), a magnetic memory, a magnetic disk, an optical disk, etc. The memory 11 may in some embodiments be an internal storage unit of the electronic device, such as a mobile hard disk of the electronic device. The memory 11 may in other embodiments also be an external storage device of the electronic device, such as a plug-in mobile hard disk, a Smart Media Card (SMC), a Secure Digital (SD) Card, a Flash memory Card (Flash Card) or the like, which are provided on the electronic device. Further, the memory 11 may also include both an internal storage unit and an external storage device of the electronic device. The memory 11 may be used not only for storing application software installed in an electronic device and various data, such as codes of a passbook service self-service transaction program, but also for temporarily storing data that has been output or is to be output.
The communication bus 12 may be a peripheral component interconnect standard (peripheral component interconnect, PCI) bus, or an extended industry standard architecture (extended industry standard architecture, EISA) bus, among others. The bus may be classified as an address bus, a data bus, a control bus, etc. The bus is arranged to enable a connection communication between the memory 11 and at least one processor 10 etc.
The communication interface 13 is used for communication between the electronic device and other devices, including a network interface and a user interface. Optionally, the network interface may include a wired interface and/or a wireless interface (e.g., WI-FI interface, bluetooth interface, etc.), typically used to establish a communication connection between the electronic device and other electronic devices. The user interface may be a Display (Display), an input unit such as a Keyboard (Keyboard), or alternatively a standard wired interface, a wireless interface. Alternatively, in some embodiments, the display may be an LED display, a liquid crystal display, a touch-sensitive liquid crystal display, an OLED (Organic Light-Emitting Diode) touch, or the like. The display may also be referred to as a display screen or display unit, as appropriate, for displaying information processed in the electronic device and for displaying a visual user interface.
Only an electronic device having components is shown, and it will be understood by those skilled in the art that the structures shown in the figures do not limit the electronic device, and may include fewer or more components than shown, or may combine certain components, or a different arrangement of components.
For example, although not shown, the electronic device may further include a power source (such as a battery) for supplying power to the respective components, and preferably, the power source may be logically connected to the at least one processor 10 through a power management device, so that functions of charge management, discharge management, power consumption management, and the like are implemented through the power management device. The power supply may also include one or more of any of a direct current or alternating current power supply, recharging device, power failure detection circuit, power converter or inverter, power status indicator, etc. The electronic device may further include various sensors, bluetooth modules, wi-Fi modules, etc., which are not described herein.
It should be understood that the embodiments described are for illustrative purposes only and are not limited to this configuration in the scope of the patent application.
The passbook service self-service transaction program stored in the memory 11 of the electronic device 1 is a combination of a plurality of instructions, which when executed in the processor 10, can implement:
displaying service options to a user, and prompting the user to select services according to the service options;
when the user selects the bankbook for login, carrying out bankbook password verification on the user according to the to-be-login bankbook inserted by the user, and carrying out bankbook login on the user after the user passes the bankbook password verification;
when a user selects to issue a new passbook, performing first joint verification on the user according to a debit card and an identity card inserted by the user, performing living body identification authorization on the user after the user passes the first joint verification, and issuing the new passbook to the user according to the living body identification authorization;
when the user selects old conversion, the second joint verification is carried out on the user according to the old conversion and the identity card inserted by the user, the living body identification authorization is carried out on the user after the user passes through the second joint verification, and the old conversion is carried out on the user according to the living body identification authorization.
In particular, the specific implementation method of the above instructions by the processor 10 may refer to the description of the relevant steps in the corresponding embodiment of the drawings, which is not repeated herein.
Further, the modules/units integrated in the electronic device 1 may be stored in a computer readable storage medium if implemented in the form of software functional units and sold or used as separate products. The computer readable storage medium may be volatile or nonvolatile. For example, the computer readable medium may include: any entity or device capable of carrying the computer program code, a recording medium, a U disk, a removable hard disk, a magnetic disk, an optical disk, a computer Memory, a Read-Only Memory (ROM).
The present invention also provides a computer readable storage medium storing a computer program which, when executed by a processor of an electronic device, can implement:
displaying service options to a user, and prompting the user to select services according to the service options;
when the user selects the bankbook for login, carrying out bankbook password verification on the user according to the to-be-login bankbook inserted by the user, and carrying out bankbook login on the user after the user passes the bankbook password verification;
when a user selects to issue a new passbook, performing first joint verification on the user according to a debit card and an identity card inserted by the user, performing living body identification authorization on the user after the user passes the first joint verification, and issuing the new passbook to the user according to the living body identification authorization;
when the user selects old conversion, the second joint verification is carried out on the user according to the old conversion and the identity card inserted by the user, the living body identification authorization is carried out on the user after the user passes through the second joint verification, and the old conversion is carried out on the user according to the living body identification authorization.
In the several embodiments provided in the present invention, it should be understood that the disclosed apparatus, device and method may be implemented in other manners. For example, the above-described apparatus embodiments are merely illustrative, and for example, the division of the modules is merely a logical function division, and there may be other manners of division when actually implemented.
The modules described as separate components may or may not be physically separate, and components shown as modules may or may not be physical units, may be located in one place, or may be distributed over multiple network units. Some or all of the modules may be selected according to actual needs to achieve the purpose of the solution of this embodiment.
In addition, each functional module in the embodiments of the present invention may be integrated in one processing unit, or each unit may exist alone physically, or two or more units may be integrated in one unit. The integrated units can be realized in a form of hardware or a form of hardware and a form of software functional modules.
It will be evident to those skilled in the art that the invention is not limited to the details of the foregoing illustrative embodiments, and that the present invention may be embodied in other specific forms without departing from the spirit or essential characteristics thereof.
The present embodiments are, therefore, to be considered in all respects as illustrative and not restrictive, the scope of the invention being indicated by the appended claims rather than by the foregoing description, and all changes which come within the meaning and range of equivalency of the claims are therefore intended to be embraced therein. Any reference signs in the claims shall not be construed as limiting the claim concerned.
The blockchain is a novel application mode of computer technologies such as distributed data storage, point-to-point transmission, consensus mechanism, encryption algorithm and the like. The Blockchain (Blockchain), which is essentially a decentralised database, is a string of data blocks that are generated by cryptographic means in association, each data block containing a batch of information of network transactions for verifying the validity of the information (anti-counterfeiting) and generating the next block. The blockchain may include a blockchain underlying platform, a platform product services layer, an application services layer, and the like.
The embodiment of the application can acquire and process the related data based on the artificial intelligence technology. Among these, artificial intelligence (Artificial Intelligence, AI) is the theory, method, technique and application system that uses a digital computer or a digital computer-controlled machine to simulate, extend and extend human intelligence, sense the environment, acquire knowledge and use knowledge to obtain optimal results.
Furthermore, it is evident that the word "comprising" does not exclude other elements or steps, and that the singular does not exclude a plurality. A plurality of units or means recited in the system claims can also be implemented by means of software or hardware by means of one unit or means. The terms first, second, etc. are used to denote a name, but not any particular order.
Finally, it should be noted that the above-mentioned embodiments are merely for illustrating the technical solution of the present invention and not for limiting the same, and although the present invention has been described in detail with reference to the preferred embodiments, it should be understood by those skilled in the art that modifications and equivalents may be made to the technical solution of the present invention without departing from the spirit and scope of the technical solution of the present invention.
Claims (10)
1. A method for self-service handling of passbook business, the method comprising:
displaying service options to a user, and prompting the user to select services according to the service options;
when the user selects the bankbook for login, carrying out bankbook password verification on the user according to the to-be-login bankbook inserted by the user, and carrying out bankbook login on the user after the user passes the bankbook password verification;
when a user selects to issue a new passbook, performing first joint verification on the user according to a debit card and an identity card inserted by the user, performing living body identification authorization on the user after the user passes the first joint verification, and issuing the new passbook to the user according to the living body identification authorization;
when the user selects old conversion, the second joint verification is carried out on the user according to the old conversion and the identity card inserted by the user, the living body identification authorization is carried out on the user after the user passes through the second joint verification, and the old conversion is carried out on the user according to the living body identification authorization.
2. The self-service handling method of bankbook service according to claim 1, wherein the step of performing a bankbook password check on a user according to a to-be-subsidized bankbook inserted by the user comprises the steps of:
acquiring a password input by a user through a preset password keyboard, and obtaining a password to be checked;
encrypting the password to be verified through a preset encryption algorithm to obtain a user verification code;
if the user verification code is matched with the pre-calculated bank card encryption verification code, the password verification is judged to be successful, otherwise, the password verification is judged to be failed.
3. The self-service transaction method of claim 1, wherein the performing a first joint check on the user according to the debit card and the identification card inserted by the user comprises: and carrying out debit card password verification on the user according to the debit card, carrying out certificate number verification on the debit card, and carrying out identity information verification on the user according to the identity card.
4. The passbook service self-service method of claim 3, wherein said verifying the debit card for the voucher number comprises:
scanning the debit card to obtain a digital image;
extracting text information from the digital image to obtain text data;
extracting a certificate number from the text data to obtain certificate number information;
acquiring account information of the debit card through a card reader, and extracting a voucher number in the account information to obtain debit card voucher number information;
comparing the debit card credential information with the credential information;
if the credit card information is the same as the credit card information, the credit card is successfully checked;
if the debit card credential information is different from the credential information, the credential verification fails.
5. The passbook service self-service transaction method of claim 1, wherein the performing the in-vivo identification authorization on the user comprises:
detecting the living body of the face of the user by using a preset camera and a preset infrared sensor, and judging whether the user is a living body or not;
if the user is judged to be a living body, the camera is used for carrying out face recognition on the user;
if the user passes the face recognition, the administrator performs authorization through fingerprint verification.
6. The self-service transaction method of claim 5, wherein the step of performing the living human face detection on the user by using a preset camera and a preset infrared sensor to determine whether the user is a living body comprises:
acquiring the body temperature of a user by using the infrared sensor through an infrared reflection method;
if the body temperature of the user is in the preset body temperature range, calculating the face optical flow characteristics of the user by using the camera through an optical flow method;
comparing the face optical flow characteristics with the pre-stored real face optical flow characteristics to obtain a comparison result;
and judging whether the current user is a living body according to the comparison result.
7. The passbook service self-service handling method of claim 5, wherein the performing face recognition on the user by the camera comprises:
shooting a face of a user through the camera to obtain a face picture of the user;
acquiring an identity card user head portrait through the identity card reader to obtain an identity card face picture;
extracting the face features of the face picture of the user to obtain the face features of the user, and extracting the face features of the face picture of the identity card to obtain the face features of the identity card;
converting the face features of the user into face feature vectors of the user through feature codes, and converting the face features of the identity card into face feature vectors of the identity card through feature codes;
calculating the similarity between the face feature vector of the user and the face feature vector of the identity card;
and if the similarity is greater than or equal to a preset similarity threshold, the face recognition passes.
8. A passbook service self-service handling device, the device comprising:
service display module: displaying service options to a user, and prompting the user to select services according to the service options;
bankbook complement module: when the user selects the bankbook for login, carrying out bankbook password verification on the user according to the to-be-login bankbook inserted by the user, and carrying out bankbook login on the user after the user passes the bankbook password verification;
issuing a new folding module: when a user selects to issue a new passbook, performing first joint verification on the user according to a debit card and an identity card inserted by the user, performing living body identification authorization on the user after the user passes the first joint verification, and issuing the new passbook to the user according to the living body identification authorization;
old conversion new module: when the user selects old conversion, the second joint verification is carried out on the user according to the old conversion and the identity card inserted by the user, the living body identification authorization is carried out on the user after the user passes through the second joint verification, and the old conversion is carried out on the user according to the living body identification authorization.
9. An electronic device, the electronic device comprising:
at least one processor; the method comprises the steps of,
a memory communicatively coupled to the at least one processor; wherein,
the memory stores a computer program executable by the at least one processor to enable the at least one processor to perform the passbook service self-service method of any one of claims 1 to 7.
10. A computer readable storage medium storing a computer program, wherein the computer program when executed by a processor implements the passbook service self-service method of any one of claims 1 to 7.
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202311614871.8A CN117495528A (en) | 2023-11-29 | 2023-11-29 | Self-service handling method, device and equipment for bankbook business and storage medium |
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| Application Number | Priority Date | Filing Date | Title |
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| CN202311614871.8A CN117495528A (en) | 2023-11-29 | 2023-11-29 | Self-service handling method, device and equipment for bankbook business and storage medium |
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| CN202311614871.8A Pending CN117495528A (en) | 2023-11-29 | 2023-11-29 | Self-service handling method, device and equipment for bankbook business and storage medium |
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| CN (1) | CN117495528A (en) |
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