TW202248933A - Auxiliary counter-guarantee system and method thereof comprising a communication module, a storage module, a video module, an identification module and a face image capture module for communicating between a client terminal device and a bank terminal device - Google Patents

Abstract

An auxiliary counter-guarantee system is applicable to communicate between a client terminal device and a bank terminal device. The auxiliary counter-guarantee system comprises a communication module, a storage module, a video module, an identification module and a face image capture module. After the identification module transmits a request for uploading an identity card to the client terminal device through the communication module and receives a returned identity card image data, the client terminal device and the bank terminal device are made to conduct video communication through the video module. The face image capture module captures a face image in the video and sends it to the identification module. When the identification module identifies that the identity card image data matches the latest identity card image data stored in the storage module, and the face image in the video matches the face image in the latest identity card image data, the videoconference is kept going.

Description

Auxiliary counter-guarantee system and method thereof

The present invention relates to a method for insuring, in particular to an assisted insuring method that can assist insuring staff to identify customer identity information for insuring.

"Insurance" refers to the procedure for the bank to confirm that the borrower or guarantor has signed a loan or guarantee contract. Currently, when the bank's business needs to be insured, it is usually conducted face-to-face by the bank staff and customers. However, customers may move across borders and may not have a stronghold in the bank. country, or due to infectious diseases, wars and other problems, bank personnel cannot go to the country where the customer is located, making it impossible to carry out the insurance, and thus unable to provide customer-related business (such as credit loans, housing and land loans, or automobile and motorcycle loans, etc.) services.

Fortunately, with the evolution of technology, people can use video software to achieve a real face-to-face situation. However, if you want to use video communication, the bank's security personnel can only use their own eyes to judge whether the person videoing with them is themselves. Misjudgments caused by security personnel due to fatigue or other difficulties (such as poor image quality) lead to false use of identities by others.

Therefore, the object of the present invention is to provide a system and method thereof that can assist security personnel in identifying customer identity information.

Therefore, the video-confirmation system of the present invention is provided by a bank terminal, and is suitable for communicating with a client terminal device of a user and a bank terminal device used by a business person at the bank terminal. The auxiliary security system It includes a communication module, a storage module, a video module, a recognition module and a face image capture module. The communication module is connected to the client terminal device and the bank terminal device through a network to receive a video verification request from the client terminal device, and the video verification request includes a customer information to be verified;

The storage module pre-stores a customer data and an image data of the latest identity certificate related to the customer data;

When the identification module is electrically connected to the communication module and the storage module, and it is determined that the customer information to be verified included in the video verification request sent by the communication module matches the customer information stored in the storage module , the identification module sends a request to upload an identity certificate to the client terminal device through the communication module; and after the identification module receives an image data of the identity certificate transmitted from the client terminal device through the communication module, The identification module enables the client terminal device and the bank terminal device to start video communication through the video module, so that the user and the business personnel appear on the screens displayed on the client terminal device and the bank terminal device in a video frame; and

The face image capture module is electrically connected to the recognition module and captures a face image of the user of the client terminal device appearing in the video screen, and sends the face image to the recognition module; When the recognition module recognizes that the image data of the ID card is consistent with the image data of the latest ID card stored in the storage module and recognizes that the face image matches the face image in the image data of the latest ID card, the video module Continue to make the bank terminal device and the client terminal device carry out video communication.

In some implementations of the present invention, the storage module also pre-stores an estimated video time, and the identification module judges that the customer data to be verified in the received video verification request is consistent with the storage module stored The customer information is consistent, and the request for uploading the identity certificate is sent to the client terminal device only when it is judged that the time of receiving the video verification request is consistent with the estimated video time.

In the above-mentioned implementation of the present invention, the identification module judges that the customer information to be verified does not match the customer information or the time of receiving the video guarantee request does not match the expected video time, the identification module through the The communication module returns a notification of refusal of video-confirmation to the client terminal device.

In some implementation aspects of the present invention, the recognition module generates a document text data according to the identity document image data, and judges whether the document text data matches the text data in the latest identity document image data.

In the above-mentioned embodiment of the present invention, it is also suitable for mutual communication with an identity card verification system, and the identification module also transmits a new and old verification request of the identity card containing the text data of the certificate to the identity card through the communication module verification system;

The identity card verification system returns a verification result to the communication module according to the old and new verification request of the identity card, and the verification result indicates whether the text data of the identity card is consistent with the text of the image data of the latest identity card stored in the identity card verification system The data match.

In some implementations of the present invention, the video module will record the entire video process image to generate an image record data and store it in the storage module;

In the above-mentioned implementation aspect of the present invention, a file checking module is also included. After the bank terminal receives a pair of security file data of the user of the client terminal device, the file checking module can check the Whether the content of the document for protection has been tampered with and check whether the page numbers of the document for protection have consecutive numbers without missing pages.

In the above-mentioned implementation of the present invention, before the client terminal device transmits the video-confirmation request, the identification module will receive a reservation video-confirmation request from the bank terminal device through the communication module , the reservation video call guarantee request includes the customer data of the user of the client terminal device, the latest identity certificate image data related to the customer data, and a reservation video time; and the identification module takes the customer data and The latest identity card image data is stored in the storage module, and the reserved video time is stored in the storage module as the estimated video time.

In some embodiments of the present invention, the communication module is also suitable for communicating with a customer service terminal device used by a customer service personnel of the bank, and the identification module allows the customer service terminal device to communicate with the video module Conduct video communication with the bank terminal device and the client terminal device, and send a face image capture request to the face image capture module through the communication module, so that the face image capture module The face image capture request captures the face image of the user of the client terminal device appearing in the video frame and sends it to the recognition module through the communication module.

In addition, the present invention provides a method for video conferencing, including:

A client terminal device sends a video verification request to an auxiliary verification system provided by a bank, and the video verification request includes a customer information to be verified;

When the auxiliary verification system judges that the customer information to be verified in the received video verification request is consistent with a pre-stored customer information, the auxiliary verification system sends a request to upload an identity certificate to the client terminal device;

The client terminal device responds to the request for uploading the identity certificate and returns an image data of the identity certificate to the auxiliary verification system;

After receiving the image data of the identity certificate, the auxiliary verification system enables the client terminal device to start video communication with a bank terminal device of the bank through a video module of the auxiliary verification system;

The auxiliary verification system recognizes that the image data of the ID card is consistent with the latest image data of a pre-stored ID card through one of the recognition modules, and captures the image displayed on the client terminal device through one of the facial image capture modules. A face image in the video, and after the recognition module recognizes that the face image matches the face image in the image data of the latest ID card, the video module makes the bank terminal device and the client terminal device continuously Make a video call.

The effect of the present invention is that: after the identification module judges that the customer data to be verified from the client terminal device matches the pre-stored customer data, the request for uploading the identity certificate is sent to the client terminal device, which has the function of blocking The function of the non-reserved user, and after receiving the image data of the identity certificate uploaded by the client terminal device, the client terminal device and the bank terminal device start video communication through the video module, and during the video communication After the face image of the user is captured by the face image capture module, it is recognized that the image data of the ID card is consistent with the image data of the latest ID card stored in the storage module and the face image is identified as consistent with the latest ID card image data. When the face image in the image data of the identity card matches, the video module will continue to allow the bank terminal device to conduct video calls with the client terminal device, and generate a comparison result and send it to the bank terminal through the communication module Install the business personnel, so that the business personnel can refer to the comparison result to confirm whether the user is himself and whether the certificate provided is the latest certificate, reducing the fatigue or other difficulties of the business personnel (such as poor image quality) Good) resulting in misjudgment that leads to false use of identities by others.

Before the present invention is described in detail, it should be noted that the "electrical connection" mentioned in this patent specification generally refers to a wired electrical connection and/or a wireless connection between multiple electronic devices/devices/components. Communication technology Radio connection for wireless signal transmission. Moreover, the "electrical connection" mentioned in this patent specification also generally refers to the "direct electrical connection" formed by the direct connection between two electronic equipment/devices/components and/or the connection between two electronic equipment/devices/components. An "indirect electrical connection" formed through the connection of other electronic equipment/devices/components.

Referring to Fig. 1 , it is a schematic diagram of a hardware relationship of an embodiment of the auxiliary guarantee system 100 of the present invention. The auxiliary guarantee system 100 of this embodiment is provided by a bank terminal and is suitable for a customer of a user End terminal device 200, a bank end terminal device 300 used by a business person at the bank end, a customer service end terminal device 400 used by a customer service personnel at the bank end and an identity card inspection provided by a financial joint credit information center (JCIC) The systems 500 communicate with each other. In this embodiment, the auxiliary security system 100 can be a server. The ID card inspection system 500 is exemplified as "Z21 National ID Card Replacement Information Query and Verification System", and the client terminal device 200 and the bank terminal device 300 are, for example, smart phones, and the customer service terminal device 400 is, for example, a personal computer, but not limited thereto.

In this embodiment, the auxiliary guarantee system 100 includes a device that is connected to the client terminal device 200 and the bank terminal device 300 through a network to receive or transmit data to the client terminal device 200 and the bank terminal device. The communication module 1 of the device 300, a storage module 2 that pre-stores a customer's data, an image data of the latest identity certificate related to the customer's data, and an estimated video time, and a recognition module for recognizing text and/or images Group 3, a video module 4, a facial image capture module 5 for capturing facial images, and a document checking module 6 for checking whether pages are missing or tampered with.

Referring to FIG. 2A and FIG. 2B , it is a flow chart of an embodiment of the auxiliary pairing method of the present invention, which uses the above-mentioned auxiliary pairing system 100 to perform auxiliary pairing to complete the video pairing operation. Therefore, when the bank terminal needs to perform video-confirmation with its client (such as the above-mentioned user), as shown in step S01 in Figure 2A, first, the communication module 1 of the auxiliary security system 100 will receive the 200 , a video verification request is transmitted, and the video verification request includes a customer information to be verified. In this embodiment, referring to Fig. 5, the customer data to be verified includes, for example, company code, personal ID number, name and one-time verification password (OTP), but it is not limited thereto. In this embodiment, The one-time verification password is sent from the bank to the client terminal device 200 to confirm that the client terminal device 200 is indeed the terminal device that will participate in the video call pairing.

Then, as shown in step S02 of FIG. 2A , the identification module 3 of the auxiliary matchmaking system 100 judges whether the customer information to be verified in the received video matchmaking request matches the customer information stored in the storage module 2, And judge whether the time of receiving the video call protection request matches the estimated video time of the storage module storage 2, if both are, then proceed to step S04, if one of them is no, as shown in step S03 of Figure 2A , the identification module 3 of the auxiliary pair protection system 100 returns a notification of refusal of video pair protection to the client terminal device 200 through the communication module 1 and ends the process.

Next, as shown in step S04 in FIG. 2A , the identification module 3 of the auxiliary security system 100 sends a request to upload an identity certificate to the client terminal device 200 through the communication module 1, and then, as in step S05 in FIG. 2A , The identification module 3 receives the image data of an identity certificate transmitted from the client terminal device 200 through the communication module 1, and then, as shown in step S06 in FIG. 2A, the identification module 3 makes the client terminal device 200 communicate with the The bank terminal device 300 starts video communication through the video module 4, so that the user and the business personnel appear in a video screen displayed on the client terminal device 200 and the bank terminal device 300, and then, as Step S07 in FIG. 2B , the face image capture module 5 captures a face image of the user of the client terminal device 200 appearing in the video frame, and sends the face image to the recognition module 3; The identification module 3 identifies whether the image data of the identity certificate is consistent with the image data of the latest identity certificate stored in the storage module 2 and whether the face image matches the face image in the image data of the latest identity certificate. If all match, the recognition module 3 makes the video module 4 continue to allow the bank terminal device 300 to conduct video calls with the client terminal device 200, and generates an indication in step S08 of FIG. Identify and pass a comparison result and send the comparison result to the bank terminal device 300 through the communication module 1. The old and new identity card checking request is sent to the identity card checking system.

It is supplemented that, in step S07 in FIG. 2B , the recognition module 3 generates a document text data according to the image data of the identity certificate, and according to whether the text data of the certificate matches the text data in the image data of the latest identity certificate Judging whether the image data of the identity certificate is consistent with the latest image data of the identity certificate stored in the storage module 2.

Then, as shown in step S09 in Figure 2B, the identity card inspection system returns a verification result to the communication module 1 according to the old and new verification request of the identity card in step S07, and the verification result indicates whether the text data of the certificate is verified with the identity card The text data of the image data of the latest identity card stored in the system matches, and then, as shown in step S10 of FIG. 2B , the identification module 3 transmits the inspection result to the bank terminal device 300 through the communication module 1 .

Moreover, during the execution of steps S06-S10, the video module 4 will synchronously record the entire video process image and when the video ends, as shown in step S11 of FIG. 2B , generate an image recording data and store it in the storage module 2. What needs to be explained in particular is that before the guarantee, the bank will first send the paper guarantee document to the user of the client terminal device 200, and the image record data records the user's signature of the guarantee document. video, and record the content of the conversation between the salesperson and the user during the warranty period to confirm that it is the customer himself, not a pre-recorded video.

It is supplemented that, in this embodiment, the identification module 3 allows the customer service terminal device 400 to conduct video communication with the bank terminal device 300 and the client terminal device 200 through the video module 1, and through the Communication module 1 sends a human face image capture request to the human face image capture module 5, so that the human face image capture module 5 captures the customer present in the video screen according to the human face image capture request The face image of the user of the terminal device 200 is transmitted to the identification module 3 through the communication module 1, but it is not limited thereto.

Please refer to FIG. 3 , the auxiliary pairing protection system of this embodiment also includes a program for pre-setting the video communication protection. Before the client terminal device 200 transmits the video communication protection request in step S01 of FIG. 2A , as shown in step S301 of FIG. 3 , the identification module Group 3 will receive a video call reservation request from the bank terminal device 300 through the communication module 1. The video call reservation request includes the customer information of the user of the client terminal device 200, the The latest ID card image data and a scheduled video time related to the customer information, then, as shown in step S302 in Figure 3, the identification module 3 stores the customer information and the latest ID card image data in the storage module 2, and The scheduled video time is stored in the storage module 2 as the estimated video time. It should be added that the user gave the business personnel the image data of the user's identity certificate and the customer information through methods such as fax, e-mail, letter, or personal delivery, and finalized the reserved video time with the business personnel, After receiving the image data of the user's identity card, the business personnel will record the ID number, replacement code, date of replacement, date of birth, and replacement location recorded in the image data of the identity certificate. Check the "Z21 National ID Card Replacement Data Query and Verification System", and after confirming that the user's ID card image data is the latest data, use the user's ID card image data as the latest ID card image If not, ask the user to provide the image data of the identity card again.

Please refer to FIG. 4 , the auxiliary security system of this embodiment also includes a document verification program. After steps S01 to S11 in FIG. 2A to 2B , as in step S401 in FIG. After the user's pair of preservation file data, as shown in step S402 in Figure 4, the document checking module 6 can check whether the content of the pair of preservation document data has been tampered with and check whether the page numbers of the pair of preservation document data are consecutive. No missing pages. Specifically, in this embodiment, the document verification module 6 judges by comparing the copy of the document data sent to the user in advance with the document data signed by the user. Whether the content of the paired document data has been tampered with or missing pages, in addition, in this embodiment, the paired document data also has a one-dimensional barcode, and the document inspection module 6 can judge by scanning the one-dimensional barcode The content of the insured document and its corresponding application for insured users can avoid misjudgments caused by comparison with the wrong insured document, but this is not a limitation. In addition, in this embodiment, the entire document also has a special Holes are punched, such as holes with a special shape of CTBC to prevent files from being exchanged.

To sum up, in the above-mentioned embodiment, the identification module 3 determines that the customer information to be verified from the client terminal device 200 matches the pre-stored customer information before sending the request to upload the identity certificate to the client terminal. The device 200 has the function of blocking non-reserved users, and after receiving the image data of the identity certificate uploaded by the client terminal device 200, it allows the client terminal device 200 and the bank terminal device 300 to pass through the video module 4 Start the video, and after the face image of the user is captured by the face image capture module 5 during the video, identify the identity certificate image data and the latest identity certificate image stored in the storage module 2 When the data match and it is recognized that the face image matches the face image in the image data of the latest ID card, the video module will continue to allow the bank terminal device 300 to conduct video calls with the client terminal device 200 and generate a comparison The result is sent to the business personnel of the bank terminal device 300 through the communication module 1, so that the business personnel can refer to the comparison result to confirm whether the user is himself and whether the certificate provided is the latest certificate, reducing The effect and purpose of the present invention are achieved by misjudgment by the business personnel due to fatigue or other difficulties (for example, poor image quality) that lead to fraudulent use of identities by others.

But what is described above is only an embodiment of the present invention, and should not limit the scope of the present invention. All simple equivalent changes and modifications made according to the patent scope of the present invention and the content of the patent specification are still within the scope of the present invention. Within the scope covered by the patent of the present invention.

1: Communication module 2: Storage module 3: Video module 4: Identification module 5: Face image capture module 6: File checking module 100: Auxiliary countermeasure system 200: client terminal device 300: bank terminal device 400: customer service terminal device 500: ID verification system S01~S11: Steps S301~S302: steps S401~S402: steps

Other features and effects of the present invention will be clearly presented in the implementation manner with reference to the drawings, wherein: Fig. 1 shows a schematic diagram of a hardware relationship of an embodiment of the auxiliary security system of the present invention; 2A ~ 2B are a flow chart of an embodiment of the present invention's auxiliary maintenance method to assist in the maintenance operation; Fig. 3 is a flow chart of a scheduled video call protection program of the embodiment of Fig. 2; Fig. 4 is a flow chart of a file verification program of the embodiment of Fig. 2; and FIG. 5 is a schematic diagram of a display interface of a client terminal device in the embodiment of FIG. 2 .

1: Communication module

2: Storage module

3: Video module

4: Identification module

5: Face image capture module

6: File checking module

100: Auxiliary countermeasure system

200: client terminal device

300: bank terminal device

400: customer service terminal device

500: ID verification system

Claims (18)

An auxiliary checking system is provided by a bank, and is suitable for communicating with a client terminal device of a user and a bank terminal device used by a business person of the bank; the auxiliary checking system includes: A communication module, which is connected to the client terminal device and the bank terminal device through the network to receive a video verification request from the client terminal device, the video verification request includes a customer to be verified material; A storage module, which pre-stores a customer data and an image data of the latest identity certificate related to the customer data; a video module; An identification module, which is electrically connected to the communication module and the storage module, and judges the customer information to be verified included in the video verification request from the communication module and the customer information stored in the storage module When matching, the identification module sends a request to upload an identity certificate to the client terminal device through the communication module; and the identification module receives an image data of the identity certificate transmitted from the client terminal device through the communication module Afterwards, the identification module enables the client terminal device and the bank terminal device to start video communication through the video module, so that the user and the business personnel appear on the client terminal device and the bank terminal device. in a video view of the device; and A face image capture module, which is electrically connected to the recognition module and captures a face image of the user of the client terminal device appearing in the video screen, and sends the face image to the recognition module ; When the identification module recognizes that the image data of the identity card is consistent with the image data of the latest identity card stored in the storage module and recognizes that the face image is consistent with the face image in the image data of the latest identity card, the video model The group continues to allow the bank terminal device and the client terminal device to conduct video calls. The auxiliary guarantee system as described in claim item 1, wherein the storage module also pre-stores an estimated video time, and the identification module judges that the customer data to be verified in the received video guarantee request is consistent with the storage module The customer information stored by the group matches, and when it is judged that the time of receiving the video verification request is consistent with the estimated video time, the request for uploading the identity certificate is sent to the client terminal device. The auxiliary guarantee system as described in claim item 2, wherein the identification module judges that the customer information to be verified does not match the customer information or the time of receiving the video guarantee request does not match the expected video time, the identification module The module returns a notification of refusal of video pairing to the client terminal device through the communication module. The auxiliary verification system as described in claim 1, wherein the identification module generates a document text data based on the image data of the identity certificate, and judges whether the text data of the certificate matches the text data in the image data of the latest identity certificate . The auxiliary verification system as described in claim 4 is also suitable for communicating with an identity card verification system, and the identification module also transmits a new and old verification request of the identity card containing the text data of the certificate through the communication module to the identity card checking system; The identity card verification system returns a verification result to the communication module according to the old and new verification request of the identity card, and the verification result indicates whether the text data of the identity card is consistent with the text of the image data of the latest identity card stored in the identity card verification system The data match. The auxiliary protection system as described in Claim 1, wherein, the video module will record the entire video process image to generate an image record data and store it in the storage module. The auxiliary verification system as described in claim 6 also includes a document verification module. After the bank receives a pair of verification documents from the user of the client terminal device, the document verification module can Check whether the content of the guaranteed document has been tampered with and check whether the page numbers of the guaranteed document have consecutive numbers without missing pages. The auxiliary verification system as described in claim 2, wherein, before the client terminal device transmits the video verification request, the identification module will receive a reservation from the bank terminal device through the communication module A video-confirmation request, the video-confirmation reservation request includes the customer information of the user of the client terminal device, the latest identity card image data related to the customer data, and a reserved video-conference time; and the identification module will The customer information and the latest identity certificate image data are stored in the storage module, and the reserved video time is stored in the storage module as the estimated video time. The auxiliary guarantee system as described in claim 1, wherein, the communication module is also suitable for communicating with a customer service terminal device used by a customer service personnel of the bank, and the identification module allows the customer service terminal device to pass through The video module performs video conferencing with the bank terminal device and the client terminal device, and sends a face image capture request to the face image capture module through the communication module, so that the face image capture module The group captures the face image of the user of the client terminal device appearing in the video screen according to the face image capture request and sends it to the identification module through the communication module. An auxiliary insurance method, the method includes: A client terminal device sends a video verification request to an auxiliary verification system provided by a bank, and the video verification request includes a customer information to be verified; When the auxiliary verification system judges that the customer information to be verified in the received video verification request is consistent with a pre-stored customer information, the auxiliary verification system sends a request to upload an identity certificate to the client terminal device; The client terminal device responds to the request for uploading the identity certificate and returns an image data of the identity certificate to the auxiliary verification system; After the auxiliary verification system receives the image data of the identity certificate, the client terminal device starts video communication with a bank terminal device of the bank through a video module of the auxiliary verification system; and The auxiliary verification system recognizes that the image data of the ID card is consistent with the latest image data of a pre-stored ID card through one of the recognition modules, and captures the image displayed on the client terminal device through one of the facial image capture modules. A face image in the video, and after the recognition module recognizes that the face image matches the face image in the image data of the latest ID card, the video module makes the bank terminal device and the client terminal device continuously Make a video call. The assisted guarantee method as described in claim item 10, wherein, the assisted guarantee system also pre-stores an estimated video conferencing time, and the identification module of the assisted guarantee system judges the waiting period in the received video conferencing request After verifying that the customer information is consistent with a pre-stored customer information, and judging that the time of receiving the video verification request is consistent with the expected video time, the request for uploading the identity certificate is sent to the client terminal device. The auxiliary verification method as described in claim 11, wherein, the identification module of the auxiliary verification system judges that the customer information to be verified does not match the customer information or the time of receiving the video verification request is different from the expected video If the time does not match, the auxiliary matchmaking system returns a notification of refusal of videoconferencing to the client terminal device. The auxiliary verification method as described in claim 10, wherein, the recognition module of the auxiliary verification system generates a document text data according to the identity certificate image data, and judges whether the certificate text data is consistent with the latest identity certificate image The text data in the data match. The auxiliary verification method as described in claim 13, wherein the auxiliary verification system is further adapted to communicate with an identity card verification system, and the auxiliary verification system will also include an old and new identity card verification of the document text data Requests are sent to the ID verification system; The identity card verification system returns a verification result to the auxiliary verification system according to the old and new verification request of the identity card, and the verification result indicates whether the text data of the identity card is consistent with the latest image data of the identity card stored in the identity card verification system Text data match. The auxiliary verification method as described in Claim 10, wherein, the video module of the auxiliary verification system records the entire video process image to generate and store an image recording data. The auxiliary verification method as described in claim 15, wherein the auxiliary verification system further includes a document check module, after the bank receives the pair of verification documents of the user of the client terminal device, The document checking module can check whether the content of the paired file has been tampered with and whether the page numbers of the paired file have consecutive numbers without missing pages. The auxiliary verification method as described in claim 11, wherein, before the client terminal device transmits the video verification request, the auxiliary verification system will receive a scheduled video verification request from the bank terminal device , the request for video-confirmation appointment includes the customer information of the user of the client terminal device, the latest ID image data related to the customer information, and a scheduled video-conference time; and the latest identity card image data is stored therein, and the reserved video time is stored therein as the estimated video time. The auxiliary verification method as described in claim 10, wherein the auxiliary verification system is also suitable for communicating with a customer service terminal device used by a customer service personnel at the bank, and the auxiliary verification system allows the customer service terminal device to Use the video module to conduct video communication with the bank terminal device and the client terminal device, and send a face image capture request to the face image capture module, so that the face image capture module according to the The facial image capture request captures the facial image of the user of the client terminal device appearing in the video frame.

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