TW202123132A - Image recognition system having multiple cameras - Google Patents

Image recognition system having multiple cameras Download PDF

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TW202123132A
TW202123132A TW109135549A TW109135549A TW202123132A TW 202123132 A TW202123132 A TW 202123132A TW 109135549 A TW109135549 A TW 109135549A TW 109135549 A TW109135549 A TW 109135549A TW 202123132 A TW202123132 A TW 202123132A
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image
posture
database
camera device
image processing
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TW109135549A
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TWI758904B (en
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張芷瑜
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華南商業銀行股份有限公司
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Abstract

An image recognition system comprises two camera devices, an image processing device, a posture database, a financial product database, and a computing device. Said two camera devices respectively obtain an image of a front view and an image of a side view. The image processing device selects a plurality of positioning points from the image of the front view and the side view and calculates a length, a slope, and a connection type of two of these positioning points. Each tablespace of the posture database corresponds to a posture type and comprises a plurality of fields. Each field stores a posture value and a risk evaluation value. Each tablespace of the financial product database corresponds to an interval of a risk ratio and stores the information of a financial product. The computing device calculates an integrated risk evaluation value and outputs the information of the financial product.

Description

具有多攝像裝置的影像辨識系統Image recognition system with multiple camera devices

本發明係關於一種影像辨識系統,特別是一種從影像中取得人類體態資訊的影像辨識系統。The present invention relates to an image recognition system, particularly an image recognition system that obtains human body information from images.

舉凡銀行、郵局等金融機構在其營業大廳設置多台監視攝影機,用於監視在營業大廳來往活動的人員。For example, financial institutions such as banks and post offices have set up multiple surveillance cameras in their business halls to monitor people moving in and out of the business halls.

然而,這些監視攝影機所拍攝的監視影像通常係用來在事後回顧先前某個特定時間點發生的特殊事件(如蒙面行搶、車手盜領等)。也就是說,金融機構設置的監視系統缺乏依據當前影像即時處理並回報的機制。雖然監視系統長時間運行,但也只是作為一個嚇阻有心人士的保險裝置。再者,從高處俯拍監視畫面中必然包括各式各樣的人員跟物件,如等待民眾、臨櫃民眾、櫃臺行員、大廳地板、等待座椅、自動櫃員機、補摺機…等;就算安排專人觀看監視影像,從複雜畫面中快速鎖定特定人員的體態並非易事,更遑論人類容易因疲倦或分心而錯失畫面中的重要資訊。However, the surveillance images taken by these surveillance cameras are usually used to review special events that occurred at a specific point in time afterwards (such as masked robbery, driver theft, etc.). In other words, the monitoring system set up by financial institutions lacks a mechanism for real-time processing and reporting based on current images. Although the surveillance system runs for a long time, it is only used as a safety device to deter interested people. Furthermore, the surveillance picture taken from a height must include all kinds of people and objects, such as waiting people, people at the counter, counter clerk, lobby floor, waiting seats, ATMs, discount machines... etc.; It is not easy to arrange a dedicated person to watch the surveillance video, and quickly lock the posture of a specific person from a complex picture, not to mention that humans are prone to lose important information in the picture due to fatigue or distraction.

此外,對於經常往來的高淨值資產客戶而言,金融機構針對此客層的客戶提供專屬的金融服務,透過客製化的商品投資組合,讓高淨值的客戶得以增加其財富。另一方面,金融機構通常透過廣大的行銷據點協助一般有意願進行財富管理的客戶做中長期的資產規劃,藉由了解客戶現在金流及未來的資金運用規劃進行風險評估,以提出完整的金融產品推薦計畫。In addition, for frequently frequent high-net-worth customers, financial institutions provide exclusive financial services for customers in this class, and through customized product investment portfolios, high-net-worth customers can increase their wealth. On the other hand, financial institutions usually assist customers who are generally willing to conduct wealth management to make mid- and long-term asset planning through their extensive marketing bases. By understanding the customers’ current cash flow and future capital use planning, they conduct risk assessments to propose a complete financial system. Product recommendation plan.

然而,對於單純來到營業廳處理一般金融業務的客戶而言,金融機構的行員或理財專員並無法依據該客戶的體態掌握其是否為潛在具有理財需求的客戶,因此,行員在推銷金融產品時往往流於形式化,無法提供可能符合這類型客戶需求之金融產品,僅能盲目推銷客戶不見得有興趣的項目,徒然浪費雙方的時間與精力。However, for customers who simply come to the business hall to handle general financial services, the bank staff or financial specialists of financial institutions cannot know whether the customer is a customer with potential financial needs based on the customer’s posture. Therefore, when the bank staff promotes financial products It is often formalized, unable to provide financial products that may meet the needs of this type of customer, and can only blindly promote projects that customers are not necessarily interested in, thus wasting the time and energy of both parties.

有鑑於此,本發明提出一種具有多攝像裝置的影像辨識系統,可以從多台具有不同拍攝角度的監視攝影機拍攝到的影像中取得使用者的全身影像,並進一步計算身體體態的可量測資訊。利用這些體態數值至預先訓練過的資料庫進行分析,可以提升金融產品的銷售成功率,並且降低客戶因被推薦不適合的產品而導致情緒不佳的機率。In view of this, the present invention proposes an image recognition system with multiple camera devices, which can obtain the user's full-body image from the images captured by multiple surveillance cameras with different shooting angles, and further calculate the measurable information of the body posture . Using these posture values to analyze in a pre-trained database can increase the sales success rate of financial products and reduce the probability that customers will be unhappy due to unsuitable products being recommended.

依據本發明一實施例的一種具有多攝像裝置的影像辨識系統,包括第一攝像裝置、第二攝像裝置、影像處理裝置、體態資料庫、金融產品資料庫及運算裝置。第一攝像裝置取得使用者站立時之正面影像。第二攝像裝置取得使用者站立時之側面影像。影像處理裝置電性連接第一攝像裝置及第二攝像裝置。影像處理裝置從正面影像選取關聯於使用者的複數個定位點,並計算這些定位點中二定位點的長度。影像處理裝置從側面影像選取關聯於使用者的複數個定位點,並計算這些定位點中二定位點的斜率及連線類型。體態資料庫包括複數個第一表格空間。每個第一表格空間對應於一體態類型。每個第一表格空間包括複數個第一欄位。每個第一欄位存放體態類型之體態評估值及風險評估值。金融產品資料庫包括複數個第二表格空間。每個第二表格空間對應於一風險比例區間並存放一金融產品資訊。運算裝置通訊連接影像處理裝置、體態資料庫及金融產品資料庫。運算裝置依據長度、斜率及連線類型從體態資料庫中取得複數個風險評估值。運算裝置依據所取得的這些風險評估值計算一綜合風險評估值。運算裝置從金融產品資料庫中選取一第二表格空間以輸出對應之金融產品資訊,其中綜合風險評估值屬於被選取的第二表格所對應之風險比例區間。An image recognition system with multiple camera devices according to an embodiment of the present invention includes a first camera device, a second camera device, an image processing device, a posture database, a financial product database, and a computing device. The first camera device obtains a frontal image when the user is standing. The second camera device obtains a profile image of the user when he is standing. The image processing device is electrically connected to the first camera device and the second camera device. The image processing device selects a plurality of positioning points associated with the user from the front image, and calculates the length of two positioning points among these positioning points. The image processing device selects a plurality of anchor points associated with the user from the silhouette image, and calculates the slope and connection type of two anchor points among these anchor points. The posture database includes a plurality of first table spaces. Each first table space corresponds to a unified state type. Each first table space includes a plurality of first fields. Each first field stores the posture evaluation value and risk evaluation value of the posture type. The financial product database includes a plurality of second table spaces. Each second table space corresponds to a risk ratio interval and stores a financial product information. The computing device communicates with the image processing device, the posture database and the financial product database. The computing device obtains a plurality of risk assessment values from the body database according to the length, slope, and connection type. The computing device calculates a comprehensive risk assessment value based on the obtained risk assessment values. The computing device selects a second table space from the financial product database to output corresponding financial product information, where the comprehensive risk assessment value belongs to the risk ratio interval corresponding to the selected second table.

藉由上述架構,本案所揭露的影像辨識系統可從安裝於金融機構營業廳的多個攝像裝置取得使用者的正面及側面影像,並且透過影像處理技術獲取影像中的人體的體態資訊,並且將多個體態資訊換算為風險評估分數。因此,當客戶蒞臨金融機構之營業廳的特定櫃臺時,本案所揭露的影像辨識系統可進一步依據綜合風險評估值之範圍推薦適合該名客戶之金融商品,藉此讓客戶具有良好的金融服務體驗。此外,採用本發明的影像辨識系統所測得的體態資訊亦可以彙整供客戶參考。With the above architecture, the image recognition system disclosed in this case can obtain the front and side images of the user from multiple camera devices installed in the business halls of financial institutions, and obtain the posture information of the human body in the image through image processing technology, and integrate Multiple posture information is converted into risk assessment scores. Therefore, when a customer visits a specific counter in the business hall of a financial institution, the image recognition system disclosed in this case can further recommend financial products suitable for the customer based on the range of the comprehensive risk assessment value, thereby allowing the customer to have a good financial service experience . In addition, the posture information measured by the image recognition system of the present invention can also be compiled for customers' reference.

以上之關於本揭露內容之說明及以下之實施方式之說明係用以示範與解釋本發明之精神與原理,並且提供本發明之專利申請範圍更進一步之解釋。The above description of the disclosure and the following description of the embodiments are used to demonstrate and explain the spirit and principle of the present invention, and to provide a further explanation of the scope of the patent application of the present invention.

以下在實施方式中詳細敘述本發明之詳細特徵以及優點,其內容足以使任何熟習相關技藝者了解本發明之技術內容並據以實施,且根據本說明書所揭露之內容、申請專利範圍及圖式,任何熟習相關技藝者可輕易地理解本發明相關之目的及優點。以下之實施例係進一步詳細說明本發明之觀點,但非以任何觀點限制本發明之範疇。The detailed features and advantages of the present invention will be described in detail in the following embodiments. The content is sufficient to enable anyone familiar with the relevant art to understand the technical content of the present invention and implement it accordingly, and according to the content disclosed in this specification, the scope of patent application and the drawings. Anyone who is familiar with relevant skills can easily understand the purpose and advantages of the present invention. The following examples further illustrate the viewpoints of the present invention in detail, but do not limit the scope of the present invention by any viewpoint.

請參考圖1,其係繪示本發明一實施例的影像辨識系統10的方塊圖。所述的影像辨識系統10可設置在金融機構的營業廳,且適用於站立於指定櫃臺預期將處理金融相關業務的使用者(客戶)。影像辨識系統10包括:第一攝像裝置1、第二攝像裝置2、影像處理裝置3、體態資料庫4、金融產品資料庫5及運算裝置6。Please refer to FIG. 1, which is a block diagram of an image recognition system 10 according to an embodiment of the present invention. The image recognition system 10 can be installed in a business hall of a financial institution, and is suitable for users (customers) who are standing at designated counters and are expected to handle financial-related businesses. The image recognition system 10 includes: a first camera device 1, a second camera device 2, an image processing device 3, a posture database 4, a financial product database 5, and a computing device 6.

請參考圖2,其係繪示第一攝像裝置1及第二攝像裝置2裝設於金融機構營業廳的俯視示意圖。如圖2所示,第一攝像裝置1之設置位置可拍攝到金融機構營業廳中站立於指定櫃臺前的使用者的正面影像,第二攝像裝置2之設置位置可拍攝到金融機構營業廳中站立於指定櫃臺前的使用者的側面影像。實務上,可設置兩個第二攝像裝置2 分別拍攝使用者的左側影像和右側影像,本發明並不限制第二攝像裝置2的數量。Please refer to FIG. 2, which is a schematic top view of the first camera device 1 and the second camera device 2 installed in the business hall of a financial institution. As shown in Figure 2, the installation position of the first camera device 1 can capture the frontal image of the user standing in front of the designated counter in the business hall of the financial institution, and the installation position of the second camera device 2 can be taken in the business hall of the financial institution A silhouette of a user standing in front of a designated counter. In practice, two second camera devices 2 can be provided to respectively capture the left and right images of the user. The present invention does not limit the number of second camera devices 2.

請參考圖1。影像處理裝置3電性連接第一攝像裝置1及第二攝像裝置2。影像處理裝置3可藉由第一攝像裝置1及第二攝像裝置2擷取到的正面影像及側面影像等影像資訊,在環境中尋找使用者的存在,並且完成使用者體態的辨識。詳言之,影像處理裝置3首先針對正面影像及側面影像分別進行色彩空間轉換、顏色過濾及邊緣偵測。Please refer to Figure 1. The image processing device 3 is electrically connected to the first camera device 1 and the second camera device 2. The image processing device 3 can search for the existence of the user in the environment by using the image information such as the front image and the side image captured by the first camera device 1 and the second camera device 2 and complete the identification of the user's posture. In detail, the image processing device 3 first performs color space conversion, color filtering, and edge detection for the front image and the side image, respectively.

影像處理裝置3可將正面影像及側面影像的RGB色彩空間轉換為HSV色彩空間、CIE 1931色彩空間、YIQ色彩空間及YCbCr色彩空間其中一者,藉此減少光線對於後續人體輪廓偵測帶來的影響。The image processing device 3 can convert the RGB color space of the front image and the side image into one of HSV color space, CIE 1931 color space, YIQ color space and YCbCr color space, thereby reducing the impact of light on subsequent human contour detection. influences.

在色彩空間轉換完成後,影像處理裝置3從原始的正面影像及側面影像中抽出皮膚顏色的影像區塊,同時過濾背景顏色的區塊。具體而言,影像處理裝置3定義一指定方程組用來代表轉換色彩空間後的膚色分佈情況,並定義另一指定方程組用來表示金融機構營業廳中的陳設物件之顏色分布情況。實務上,影像處理裝置3例如使用高斯混合模型(Gaussian Mixture Model,GMM)來建立背景物件之顏色分布的描述方程式,再利用背景相減法(background subtraction)或適應性背景相減法(adaptive background subtraction)取得前景資訊,然後對此前景資訊進行像素垂直投影。若直方圖的峰值在合理人體高度範圍內,則表示該處可能有人。影像處理裝置3採用例如大津二值化法(Otsu Thresholding)或直方圖平衡法(Balanced Histogram Thresholding,BHT)從可能有人的影像區塊中找出所有符合膚色分佈的像素點。After the color space conversion is completed, the image processing device 3 extracts image blocks of skin color from the original front image and side image, and filters the blocks of background color at the same time. Specifically, the image processing device 3 defines a specified equation set to represent the skin color distribution after the color space conversion, and another specified equation set to represent the color distribution of the furnishings in the business hall of the financial institution. In practice, the image processing device 3, for example, uses Gaussian Mixture Model (GMM) to establish a description equation of the color distribution of background objects, and then uses background subtraction or adaptive background subtraction. Obtain foreground information, and then perform pixel vertical projection on this foreground information. If the peak of the histogram is within a reasonable range of human height, it means that there may be people at that place. The image processing device 3 uses, for example, Otsu Thresholding (Otsu Thresholding) or Balanced Histogram Thresholding (BHT) to find all pixels that conform to the skin color distribution from the image block where there may be people.

於一實施例中,針對二值化後的影像,影像處理裝置3可採用形態學(morphology)上的膨脹(dilation)算子和腐蝕(erosion)算子消除膚色區域外的雜訊。具體而言,影像處理裝置2可進行先膨脹後腐蝕的閉運算(Closing operation)然後再進行先腐蝕後膨脹的開運算(Open operation),藉此可凸顯影像中膚色區塊周圍的輪廓。In one embodiment, for the binarized image, the image processing device 3 can use a morphology (dilation) operator and an erosion (erosion) operator to eliminate noise outside the skin color area. Specifically, the image processing device 2 may perform a closing operation (closing operation) of expansion and then corrosion, and then an open operation (corrosion and then expansion), so as to highlight the contour around the skin color block in the image.

在取得所有膚色區塊的影像之後,影像處理裝置3採用連通分量標記(connected-component labeling)演算法,找出這些膚色區塊影像中相連接的像素,並且獲得每個區塊的長寬以及座標。影像處理裝置3更針對每個區塊進行橢圓比對,藉此得到人體頭部以及未被衣褲包覆的四肢的膚色區塊。影像處理裝置3採用例如坎尼算子(Canny filter)、索伯算子(Sobel filter)及Prewitt算子其中一者對膚色區塊進行邊緣偵測以獲取人體頭部及四肢的定位點。在取得上述定位點之後,影像處理裝置3可依據先前採用背景相減法獲得的前景影像以及人體骨架資料庫計算得出正面影像中關聯於使用者的複數個定位點以及側面影像中關聯於使用者的複數個定位點。After obtaining the images of all skin color blocks, the image processing device 3 uses a connected-component labeling algorithm to find the connected pixels in the skin color block images, and obtains the length and width of each block and coordinate. The image processing device 3 further performs an ellipse comparison for each block, thereby obtaining the skin color block of the human head and the limbs not covered by the clothes. The image processing device 3 uses, for example, one of the Canny filter, the Sobel filter and the Prewitt operator to perform edge detection on the skin color block to obtain the positioning points of the human head and limbs. After obtaining the aforementioned positioning points, the image processing device 3 can calculate a plurality of positioning points associated with the user in the front image and associated with the user in the silhouette image based on the foreground image obtained by the background subtraction method and the human skeleton database. A plurality of anchor points.

影像處理裝置3從正面影像的複數個定位點中取得至少二定位點並計算其長度。舉例來說,依據人體頭部的定位點以及人體足部的定位點計算其身高,依據人體肩部及背部的多個定位點之折線計算其中每一段直線的斜率以及判斷整體的連線類型。The image processing device 3 obtains at least two positioning points from a plurality of positioning points of the front image and calculates the length thereof. For example, the height is calculated based on the positioning points of the human head and the positioning points of the human feet, the slope of each straight line is calculated based on the broken lines of the multiple positioning points of the human shoulder and back, and the overall connection type is judged.

實務上,影像處理裝置3例如係數位訊號處理器(digital signal processor)、特殊應用積體電路(application specific integrated circuit,ASIC)、數位邏輯電路、現場可程式邏輯閘陣列(field programmable gate array,FPGA) 或其它可執行上述的影像處理功能的硬體元件,本發明對此不予限制。In practice, the image processing device 3 is, for example, a digital signal processor (digital signal processor), an application specific integrated circuit (ASIC), a digital logic circuit, and a field programmable gate array (FPGA). ) Or other hardware components that can perform the above-mentioned image processing functions, which are not limited by the present invention.

在本發明的影像辨識系統10的另一實施例中,除第一攝像裝置1及第二攝像裝置2外,更包括一第三攝像裝置(未繪示)。第三攝像裝置例如裝設於金融機構營業廳的天花板,並且電性連接影像處理裝置3。第三攝像裝置用以取得使用者的一頭頂影像。影像處理裝置3則從頭頂影像中擷取膚色和黑色的顏色區塊並且計算兩者之比例,同時判斷黑色區塊的形狀屬於雄性禿分期(Norwood’s Classification)的哪一種類型。In another embodiment of the image recognition system 10 of the present invention, in addition to the first camera device 1 and the second camera device 2, it further includes a third camera device (not shown). The third camera device is, for example, installed on the ceiling of a business hall of a financial institution and is electrically connected to the image processing device 3. The third camera device is used to obtain an overhead image of the user. The image processing device 3 extracts skin color and black color blocks from the overhead image and calculates the ratio of the two, and at the same time determines the shape of the black block belongs to which type of male baldness (Norwood’s Classification).

在本發明的影像辨識系統的10的又一實施例中,除第一攝像裝置1及第二攝像裝置2外,更包括一第四攝像裝置(未繪示)。第四攝像裝置電性連接影像處理裝置3。第四攝像裝置1之設置位置可拍攝到金融機構營業廳中站立於指定櫃臺前的使用者的背面影像。第一攝像裝置1及第四攝像裝置係深度攝影機,因此第一攝像裝置1拍攝的正面影像更包括第一深度資訊,第四攝像裝置拍攝的背面影像更包括第二深度資訊。第一攝像裝置1及第四攝像裝置之設置位置形成第一連線。使用者之站立位置及第一攝像裝置之設置位置形成第二連線。使用者之站立位置及第四攝像裝置之設置位置形成第三連線。第一連線及第二連線形成第一夾角,第一連線及第三連線形成第二夾角。在本實施例中,影像處理裝置3更用以依據第一深度資訊、第二深度資訊、第一連線之長度、該第一夾角及該第二夾角計算另一體態類型之另一體態評估值。具體來說,由於第一連線之長度為固定值,因此影像處理裝置3可依據第一夾角、第一深度資訊及基本的三角函數運算計算出第一攝像裝置1到使用者身體正面之第一距離,並可依據第二夾角、第二深度資訊及基本的三角函數運算計算出第四攝像裝置到使用者身體背面之第二距離,然後將第一連線之長度扣除第一距離及第二距離即可獲得使用者身體在指定定位點下的厚度資訊。In another embodiment of the image recognition system 10 of the present invention, in addition to the first camera device 1 and the second camera device 2, it further includes a fourth camera device (not shown). The fourth camera device is electrically connected to the image processing device 3. The setting position of the fourth camera device 1 can capture the back image of the user standing in front of the designated counter in the business hall of the financial institution. The first camera device 1 and the fourth camera device are depth cameras. Therefore, the front image captured by the first camera device 1 further includes the first depth information, and the back image captured by the fourth camera device further includes the second depth information. The installation positions of the first camera device 1 and the fourth camera device form a first connection line. The standing position of the user and the setting position of the first camera device form a second connection. The standing position of the user and the setting position of the fourth camera device form a third connection. The first line and the second line form a first angle, and the first line and the third line form a second angle. In this embodiment, the image processing device 3 is further used to calculate another posture evaluation of another posture type based on the first depth information, the second depth information, the length of the first connection, the first angle and the second angle. value. Specifically, since the length of the first connection is a fixed value, the image processing device 3 can calculate the first angle from the first camera device 1 to the front of the user's body based on the first included angle, the first depth information, and basic trigonometric calculations. The second distance from the fourth camera device to the back of the user’s body can be calculated based on the second included angle, the second depth information, and basic trigonometric calculations. Two distances can obtain the thickness information of the user's body under the specified anchor point.

體態資料庫4包括複數個第一表格空間,每個第一表格空間對應於一種體態類型並包括複數個第一欄位。所述的體態類型包括身高、肩寬、臂長、腿長、髮量、髮旋、雄性禿分期、駝背程度、側面站姿類型、身體厚度等,本發明並不限制體態類型的種類與數量。The posture database 4 includes a plurality of first table spaces, and each first table space corresponds to a posture type and includes a plurality of first fields. The posture types include height, shoulder width, arm length, leg length, hair volume, hair rotation, male baldness staging, degree of hunchback, side stance type, body thickness, etc. The present invention does not limit the type and number of posture types. .

每個第一表格空間的每個第一欄位存放一體態評估值、一權重值及一風險評估值。所述的風險評估值關聯於投資人願意負擔的風險比例。所述的權重值係用於綜合多種體態類型進行評估時,決定各種體態類型所應佔的比例。舉例來說,對應於身高的表格空間如下表所示: 身高評估值(公分) 風險評估值 權重值 141~150 0.32 1 151~160 0.35 1 161~170 0.37 1 171~180 0.39 1.1 Each first column of each first table space stores an integrated evaluation value, a weight value and a risk evaluation value. The risk assessment value is related to the risk ratio that the investor is willing to bear. The weight value is used to determine the proportion of various posture types when comprehensively evaluating multiple posture types. For example, the table space corresponding to height is shown in the following table: Height assessment value (cm) Risk assessment value Weights 141~150 0.32 1 151~160 0.35 1 161~170 0.37 1 171~180 0.39 1.1

對應於側面站姿的表格空間如下表所示: 側面站姿類型 風險評估值 權重值 勺形(spoon) 0.29 1.22 斜塔形(leaning tower) 0.37 1.11 橋形(bridge) 0.43 1.47 直背形(flat back) 0.53 1.23 The table space corresponding to the side stance is shown in the following table: Side stance type Risk assessment value Weights Spoon 0.29 1.22 Leaning tower 0.37 1.11 Bridge 0.43 1.47 Flat back 0.53 1.23

在本發明一實施例中,上表所列舉的體態評估值(或體態評估類型)、權重值及風險評估值,係預先經由一運算裝置依據一歷史資料庫進行訓練得出。歷史資料庫包括金融機構依據客戶在開戶時所留存的正面影像、側面影像、客戶填寫的投資人風險屬性分析問卷調查表及客戶在往來金融機構執行業務的過程中所累積的金融產品投資記錄等大數據。前述的訓練,具體來說係運算裝置執行一深度學習演算法及一分類器演算法。所述的深度學習演算法例如係遞歸神經網路(Recursice Neural Network,RNN)及長短期記憶神經網路(Long Short Term Memory,LSTM)其中一者。所述的分類器演算法例如係支持向量機(support vector machine,SVM)及多層感知機(Multilayer perceptron,MLP)其中一者。透過運算裝置的預先訓練,可得到各種金融產品常態性對應的體態類型,進而計算出每個表格空間的每個欄位存放的體態評估值、權重值及風險評估值。In an embodiment of the present invention, the posture evaluation values (or posture evaluation types), weight values, and risk evaluation values listed in the above table are obtained by pre-training based on a historical database through a computing device. The historical database includes the frontal images and silhouette images kept by the financial institution based on the customer's account opening, the investor risk attribute analysis questionnaire filled out by the customer, and the financial product investment record accumulated by the customer during the execution of the business with the financial institution, etc. Big Data. The aforementioned training is specifically that the computing device executes a deep learning algorithm and a classifier algorithm. The deep learning algorithm is, for example, one of Recursice Neural Network (RNN) and Long Short Term Memory (LSTM). The classifier algorithm described is, for example, one of a support vector machine (SVM) and a multilayer perceptron (MLP). Through the pre-training of the computing device, the posture type corresponding to the normality of various financial products can be obtained, and then the posture evaluation value, weight value and risk evaluation value stored in each field of each table space can be calculated.

請參考圖1。金融產品資料庫5包括複數個第二表格空間。每個第二表格空間對應於一個風險比例區間並存放一金融產品資訊。舉例來說,「保守型」的金融產品對應的風險比例區間為0~6,其代表投資人基本上不願承擔任何投資風險,因此記載於此表格空間中的金融產品資訊偏向報酬來自利息收入的產品。「謹慎型」的金融產品對應的風險比例區間為7~13,其代表投資人基本上可接受輕微的損失,以換取輕微的潛在投資報酬,因此記載於此表格空間中的金融產品資訊為金融機構評定為低風險的項目。需注意的是,上述風險比例區間之邊界值,同樣可預先經由前述的運算裝置運行深度學習演算法及分類器演算法得出,或是由金融機構相關負責人定義之,本發明對此不予限制。Please refer to Figure 1. The financial product database 5 includes a plurality of second table spaces. Each second table space corresponds to a risk ratio interval and stores a piece of financial product information. For example, "conservative" financial products correspond to a risk ratio range of 0-6, which means that investors are basically unwilling to take any investment risks. Therefore, the financial product information recorded in this table space is biased towards remuneration from interest income The product. "Prudent" financial products correspond to a risk ratio range of 7 to 13, which means that investors can basically accept a slight loss in exchange for a slight potential investment return. Therefore, the financial product information recorded in this table space is financial Projects rated as low-risk by the agency. It should be noted that the boundary value of the above-mentioned risk ratio interval can also be obtained by running the deep learning algorithm and the classifier algorithm through the aforementioned computing device in advance, or be defined by the relevant person in charge of the financial institution. This is not the case in the present invention. To limit.

請參考圖1。運算裝置6通訊連接影像處理裝置3、體態資料庫4以及金融產品資料庫5。Please refer to Figure 1. The computing device 6 is communicatively connected to the image processing device 3, the posture database 4, and the financial product database 5.

運算裝置6依據影像處理裝置3測得的二定位點長度、斜率及連線類型等體態資訊從體態資料庫4中取得一或數個風險評估值,依據這些風險評估值計算一綜合風險評估值,再依據此綜合風險評估值所對應之風險比例區間金融產品資料庫5中選取一第二表格空間並輸出對應的金融產品資訊。例如,運算裝置6可依據身高、側面站姿等體態資訊從體態資料庫4中查找得到二風險評估值及二權重值,且依據二風險評估值及二權重值計算綜合風險評估值。沿用前面表格的例子來說,身高165對應的風險評估值為0.37,權重值為1;側面站姿為直背型的使用者對應的風險評估值為0.53,權重值為1.23。運算裝置6將這些風險評估值依據其對應的權重值予以加總得到該使用者的一綜合風險評估值(例如為0.37*1+0.53*1.23=1.0219)。運算裝置6依據此綜合風險評估值在金融產品資料庫5中取得對應的金融產品資訊並輸出。The computing device 6 obtains one or more risk assessment values from the body database 4 according to the posture information such as the length, slope, and connection type of the two anchor points measured by the image processing device 3, and calculates a comprehensive risk assessment value based on these risk assessment values , And then select a second table space from the financial product database 5 corresponding to the risk ratio interval corresponding to the comprehensive risk assessment value and output the corresponding financial product information. For example, the computing device 6 can obtain the two-risk assessment value and the two-weight value from the posture database 4 according to posture information such as height and side stance, and calculate the comprehensive risk assessment value based on the two-risk assessment value and the two-weight value. Using the example in the previous table, the risk assessment value corresponding to height 165 is 0.37, and the weight value is 1. The risk assessment value corresponding to the user whose side standing is straight back is 0.53, and the weight value is 1.23. The computing device 6 sums these risk assessment values according to their corresponding weight values to obtain a comprehensive risk assessment value of the user (for example, 0.37*1+0.53*1.23=1.0219). The computing device 6 obtains and outputs corresponding financial product information in the financial product database 5 according to the comprehensive risk assessment value.

綜合以上所述,本發明所揭露的影像辨識系統可從安裝於金融機構營業廳的多個攝像裝置取得使用者的正面及側面影像,並且透過影像處理技術獲取影像中的人體的體態資訊,並且將多個體態資訊換算為風險評估分數。因此,當客戶蒞臨金融機構之營業廳的特定櫃臺時,本案所揭露的影像辨識系統可進一步依據綜合風險評估值之範圍推薦適合該名客戶之金融商品,藉此讓客戶具有良好的金融服務體驗。此外,採用本發明的影像辨識系統所測得的體態資訊亦可以彙整供客戶參考 。In summary, the image recognition system disclosed in the present invention can obtain the front and side images of the user from multiple camera devices installed in the business halls of financial institutions, and obtain the posture information of the human body in the image through image processing technology, and Convert multiple posture information into risk assessment scores. Therefore, when a customer visits a specific counter in the business hall of a financial institution, the image recognition system disclosed in this case can further recommend financial products suitable for the customer based on the range of the comprehensive risk assessment value, thereby allowing the customer to have a good financial service experience . In addition, the posture information measured by the image recognition system of the present invention can also be compiled for customers' reference.

雖然本發明以前述之實施例揭露如上,然其並非用以限定本發明。在不脫離本發明之精神和範圍內,所為之更動與潤飾,均屬本發明之專利保護範圍。關於本發明所界定之保護範圍請參考所附之申請專利範圍。Although the present invention is disclosed in the foregoing embodiments, it is not intended to limit the present invention. All changes and modifications made without departing from the spirit and scope of the present invention fall within the scope of the patent protection of the present invention. For the scope of protection defined by the present invention, please refer to the attached scope of patent application.

10:影像辨識系統 1:第一攝像裝置 2:第二攝像裝置 3:影像處理裝置 4:體態資料庫 5:金融產品資料庫 6:運算裝置10: Image recognition system 1: The first camera 2: The second camera device 3: Image processing device 4: Posture database 5: Financial product database 6: Computing device

圖1係依據本發明一實施例的影像辨識系統所繪示的方塊架構圖。 圖2係依據本發明一實施例的影像辨識系統所繪示的攝像裝置配置圖。FIG. 1 is a block diagram of an image recognition system according to an embodiment of the present invention. FIG. 2 is a configuration diagram of a camera device drawn by an image recognition system according to an embodiment of the present invention.

10:影像辨識系統10: Image recognition system

1:第一攝像裝置1: The first camera

2:第二攝像裝置2: The second camera device

3:影像處理裝置3: Image processing device

4:體態資料庫4: Posture database

5:金融產品資料庫5: Financial product database

Claims (6)

一種具有多攝像裝置的影像辨識系統,包括:         一第一攝像裝置,用以取得一使用者站立時之一正面影像;一第二攝像裝置,用以取得該使用者站立時之一側面影像;一第三攝像裝置,用以取得該使用者之一頭頂影像; 一影像處理裝置,電性連接該第一攝像裝置、該第二攝像裝置及該第三攝像裝置,該影像處理裝置用以從該正面影像選取關聯於該使用者的複數個定位點並計算該些定位點中二定位點的一長度,從該側面影像選取關聯於該使用者的複數個定位點並計算該些定位點中二定位點的一斜率及一連線類型,及從該頭頂影像選取複數個定位點並計算該些定位點所構成之一區塊及該區塊之一顏色分布;一體態資料庫,包括複數個第一表格空間,每一該些第一表格空間對應於一體態類型並包括複數個第一欄位,每一該些第一欄位存放該體態類型之一體態評估值、一風險評估值及一權重值,其中該些體態類型包括:身高、肩寬、臂長、腿長、駝背程度、側面站姿類型及身體厚度;一金融產品資料庫,包括複數個第二表格空間,每一該些第二表格空間對應於一風險比例區間並存放一金融產品資訊;一第一運算裝置,通訊連接該影像處理裝置、該體態資料庫及該金融產品資料庫,該第一運算裝置依據該長度、該斜率及該連線類型從該體態資料庫中取得該些風險評估值中的複數個,依據被取得的該些風險評估值計算一綜合風險評估值,並從該金融產品資料庫中選取該些第二表格空間其中一者以輸出對應之該金融產品資訊,其中該綜合風險評估值屬於被選取的該第二表格所對應之該風險比例區間;以及一第二運算裝置,通訊連接該體態資料庫及該金融產品資料庫,該第二運算裝置用以依據一歷史資料庫運行一深度學習演算法及一分類器演算法以更新該體態評估值及該風險評估值至該體態資料庫並更新該風險比例區間至該金融產品資料庫,其中該歷史資料庫用以儲存複數個客戶各自之該正面影像、該側面影像及金融產品投資記錄。An image recognition system with multiple camera devices includes: a first camera device for obtaining a frontal image when a user is standing; a second camera device for obtaining a side image when the user is standing; A third camera device for obtaining an overhead image of the user; an image processing device electrically connected to the first camera device, the second camera device and the third camera device, and the image processing device is used for downloading The front image selects a plurality of positioning points associated with the user and calculates a length of two positioning points among the positioning points, and selects a plurality of positioning points associated with the user from the silhouette image and calculates the positioning points A slope of two anchor points and a connection type, and a plurality of anchor points are selected from the overhead image and a block formed by the anchor points and a color distribution of the block are calculated; an integrated database, including plural numbers First table spaces, each of the first table spaces corresponds to a body type and includes a plurality of first fields, and each of the first fields stores a posture evaluation value and a risk evaluation value of the posture type And a weight value, where the posture types include: height, shoulder width, arm length, leg length, degree of hunchback, side stance type, and body thickness; a financial product database, including a plurality of second table spaces, each The second table spaces correspond to a risk ratio interval and store financial product information; a first computing device is communicatively connected to the image processing device, the posture database and the financial product database, and the first computing device is based on the The length, the slope, and the connection type obtain a plurality of the risk assessment values from the body database, calculate a comprehensive risk assessment value based on the obtained risk assessment values, and obtain a comprehensive risk assessment value from the financial product database Selecting one of the second table spaces to output the corresponding financial product information, wherein the comprehensive risk assessment value belongs to the risk ratio interval corresponding to the selected second table; and a second computing device, which is connected in communication The posture database and the financial product database, and the second computing device is used for running a deep learning algorithm and a classifier algorithm based on a historical database to update the posture evaluation value and the risk evaluation value to the posture data And update the risk ratio interval to the financial product database, where the historical database is used to store the frontal image, the silhouette image, and the financial product investment record of each of a plurality of customers. 如請求項1所述的具有多攝像裝置的影像辨識系統,更包括:一第四攝像裝置,電性連接該影像處理裝置,該第四攝像裝置用以取得該使用者站立時之一背面影像;其中,該第一攝像裝置及該第四攝像裝置係深度攝影機,該第一攝像裝置及該第四攝像裝置之設置位置形成一第一連線;該正面影像更包括一第一深度資訊,該背面影像更包括一第二深度資訊;該影像處理裝置更用以依據該第一深度資訊、該第二深度資訊、該第一連線之一長度計算另一體態類型之另一體態評估值。The image recognition system with multiple camera devices according to claim 1, further comprising: a fourth camera device electrically connected to the image processing device, and the fourth camera device is used to obtain a back image when the user is standing Wherein, the first camera device and the fourth camera device are depth cameras, and the first camera device and the fourth camera device are arranged at a position to form a first connection; the front image further includes a first depth information, The back image further includes a second depth information; the image processing device is further used for calculating another posture evaluation value of another posture type according to the first depth information, the second depth information, and a length of the first connection . 如請求項2所述的具有多攝像裝置的影像辨識系統,其中該使用者之站立位置及該第一攝像裝置之設置位置形成一第二連線;該使用者之站立位置及該第四攝像裝置之設置位置形成一第三連線;該第一連線及該第二連線形成一第一夾角;該第一連線及該第三連線形成一第二夾角;以及該影像處理裝置更包括依據該第一夾角及該第二夾角計算該另一體態評估值。The image recognition system with multiple cameras according to claim 2, wherein the standing position of the user and the setting position of the first camera form a second connection; the standing position of the user and the fourth camera The installation position of the device forms a third connection; the first connection and the second connection form a first angle; the first connection and the third connection form a second angle; and the image processing device It further includes calculating the other posture evaluation value based on the first included angle and the second included angle. 如請求項1所述的具有多攝像裝置的影像辨識系統,其中該深度學習演算法係長短期記憶神經網路或遞歸神經網路其中一者,且該分類器演算法係多層感知器或支持向量機其中一者。The image recognition system with multiple cameras according to claim 1, wherein the deep learning algorithm is one of a long and short-term memory neural network or a recurrent neural network, and the classifier algorithm is a multilayer perceptron or a support vector Machine one of them. 如請求項1所述的具有多攝像裝置的影像辨識系統,其中該影像處理模組更用以依據該正面影像及該側面影像進行色彩空間轉換、顏色過濾及邊緣偵測。The image recognition system with multiple cameras according to claim 1, wherein the image processing module is further used to perform color space conversion, color filtering, and edge detection according to the front image and the side image. 如請求項1所述的具有多攝像裝置的影像辨識系統,其中該影像處理裝置更用以轉換該正面影像及該側面影像各自之一色彩空間為HSV色彩空間、CIE 1931色彩空間、YIQ色彩空間及YCbCr色彩空間其中一者。The image recognition system with multiple camera devices according to claim 1, wherein the image processing device is further used to convert each of the front image and the side image into HSV color space, CIE 1931 color space, and YIQ color space And YCbCr color space.
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