TW202322060A - Cardless finance transaction system and its host server - Google Patents

Abstract

A cardless financial transaction system includes an ATM and a host server. The ATM includes an image capturing device and a display screen. The display screen displays a gesture prompt screen to an operator. The image capturing device captures a verification image for the operator. The verification image includes the demonstration gesture shown by the operator according to the gesture prompt screen. The host server includes a database unit, an image recognition unit and a processing unit. The database unit stores a plurality of user hand feature values corresponding to different users. The image recognition unit is used for recognizing the verification image and analyzing a gesture feature value based on the hand that demonstrates the gesture. The processing unit is used to compare and determine whether the gesture feature value matches one of the user's hand feature values.

Description

Cardless Financial Transaction System and Host Server

The invention relates to a financial transaction system, in particular to a cardless financial transaction system and a host server.

Generally speaking, in the existing cardless cash withdrawal system, the cash withdrawer does not need to insert a financial card into the ATM (Automated Teller Machine, ATM), and can also withdraw money from the ATM, which improves the user's convenience and interest. An existing identity verification method is to perform identity verification through vein identification of the withdrawer.

However, ATMs that use vein recognition must be equipped with specific vein sensing devices, so additional hardware equipment is required, which increases hardware costs and thus fails to increase the willingness of operators to install.

This shows that the above-mentioned technology obviously still has inconvenience and defective, and needs to be further improved. Therefore, how to effectively solve the above-mentioned inconveniences and defects is one of the current important research and development issues, and has become an urgent need for improvement in related fields.

An object of the present invention is to provide a cardless financial transaction system and a host server to solve the above mentioned difficulties in the prior art.

One embodiment of the present invention provides a cardless financial transaction system. The cardless financial transaction system includes a host server and at least one automatic teller machine. The automatic teller machine includes a first transmission unit, a first image capture device and a display screen, the display screen is used to display at least one gesture prompt screen to an operator, and the first image capture device is used to capture a gesture to the operator The verification image includes a demonstration gesture presented by the operator according to the gesture prompt screen. The host server includes a second transmission unit, a database unit, an image recognition unit and a processing unit. The second transmission unit is electrically connected to the first transmission unit through a network structure. The database unit stores a plurality of user hand feature values corresponding to different users. The image recognition unit is used to identify and verify the image, and according to one hand of the demonstration gesture A gesture feature value is analyzed, and the processing unit is electrically connected to the second transmission unit, the database unit, and the image recognition unit for comparing and judging whether the gesture feature value matches one of the user's hand feature values.

According to one or more embodiments of the present invention, in the above-mentioned cardless financial transaction system, the host server further includes an identity verification unit. The identity verification unit is electrically connected to the processing unit, and is used to instruct the automatic teller machine to execute multiple identity verification steps in sequence, and to display multiple gesture prompt images through the display screen in response to these identity verification steps.

According to one or more embodiments of the present invention, in the above-mentioned cardless financial transaction system, these gesture prompt screens are respectively prompts of scissors gesture, stone gesture, cloth gesture and number gesture.

According to one or more embodiments of the present invention, the cardless financial transaction system further includes a bank server. The bank server includes a third transmission unit, a second image capture device and a registration unit. The third transmission unit is electrically connected to the second transmission unit through the network structure. The second image capturing device is used for capturing a registered image of a registered user. The registered image includes another demonstration gesture shown by the registered user's hand. The registration unit is electrically connected to the third transmission unit and the second image capture device, and is used to request the image recognition unit of the host server to recognize the registration image, so that the image recognition unit can analyze the hand characteristics of another user according to one hand of another demonstration gesture value, and let another user's hand feature value be stored in the database unit of the host server.

According to one or more embodiments of the present invention, in the above-mentioned cardless financial transaction system, the image recognition unit analyzes the gesture feature value according to the fixed point of the wrist of the hand, the fingertips and knuckles of the finger that demonstrates the gesture, and according to another The fixed points of the wrist, fingertips and knuckles of the hands demonstrating gestures are analyzed to obtain the characteristic values of another user's hand.

According to one or more embodiments of the present invention, in the above-mentioned cardless financial transaction system, the processing unit obtains the difference range between the characteristic matrix of the gesture characteristic value of the demonstration gesture and the characteristic matrix of one of the user's hand characteristic values, and When it is determined that the gap range meets a preset range, the processing unit determines that the gesture feature value matches one of the user's hand feature values.

An embodiment of the present invention provides a host server. The host server is suitable for a cardless financial transaction system, and the host server includes a transmission unit, a database unit, an image recognition unit and a processing unit. The transmission unit is electrically connected to an automatic teller machine through a network structure, and is used for receiving a verification image transmitted from the automatic teller machine, and the verification image includes a demonstration gesture presented by an operator. The database unit stores a plurality of user hand feature values corresponding to different users. The image recognition unit is used to recognize the verification image, and analyze a gesture feature value according to the fixed point of the wrist of the hand, the fingertip and the knuckle of the finger in the demonstration gesture. The processing unit is electrically connected to the transmission unit, the database unit, and the image recognition unit for comparing and judging whether the gesture feature value matches one of the user's hand feature values.

According to one or more embodiments of the present invention, the above-mentioned host server further includes an identity verification unit, which is electrically connected to the processing unit, and is used to instruct the automatic teller machine to perform multiple identity verification steps in sequence and provide multiple corresponding identities The gesture prompt screen of the verification step is sent to the ATM.

According to one or more embodiments of the present invention, in the above-mentioned host server, these gesture prompt screens are respectively prompts of scissors gesture, stone gesture, cloth gesture and number gesture.

According to one or more embodiments of the present invention, in the above-mentioned host server, the processing unit obtains the difference range between the characteristic matrix of the gesture characteristic value of the demonstration gesture and the characteristic matrix of one of the user's hand characteristic values, and determines When the gap range meets a preset range, the processing unit determines that the gesture feature value matches one of the user's hand feature values.

In this way, through the structures described in the above embodiments, it is possible to quickly and effectively identify whether the person is the person by using the surveillance camera on the existing automatic teller machine. In addition, for banks, there is no need to add additional hardware equipment, which can greatly increase the willingness of banks to set up.

The above description is only used to illustrate the problem to be solved by the present invention, the technical means for solving the problem, and the effects thereof, etc. The specific details of the present invention will be described in detail in the following implementation methods and related drawings.

A plurality of embodiments of the present invention will be disclosed with figures below. For the sake of clarity, many practical details will be described together in the following description. It should be understood, however, that these practical details should not be used to limit the invention. That is, in various embodiments of the invention, these practical details are unnecessary. In addition, for the sake of simplifying the drawings, some well-known structures and components will be shown in a simple and schematic manner in the drawings.

FIG. 1 is a block diagram of a cardless financial transaction system 10 according to an embodiment of the present invention. As shown in FIG. 1 , the cardless financial transaction system 10 includes a host server 200 and one or more automatic teller machines 100 (ATMs). The host server 200 connects these ATMs 100 through a network structure N.

FIG. 2 is a detailed block diagram of the automatic teller machine 100 in FIG. 1 . As shown in FIG. 1 and FIG. 2, each automatic teller machine 100 is provided for an operator to personally conduct card-present or card-not-present financial transaction operations, such as cash withdrawal, deposit, transfer or inquiry. Each automatic teller machine 100 has a first transmission unit 110 , a first image capture device 120 , a display screen 130 , an input unit 140 and a control unit 150 . The control unit 150 is electrically connected to the first transmission unit 110, the first image capture device 120, the display screen 130 and the input unit 140, and is used to control the first transmission unit 110, the first image capture device 120, the display screen 130 and the input unit 140 respectively. Unit 140 works properly. The first transmission unit 110 is used for electrically connecting the corresponding external mechanism through the above-mentioned network structure N. The display screen 130 is used to display a prompt screen, such as a gesture prompt screen, to the operator. The input unit 140 is used for allowing the operator to input execution instructions. The first image capturing device 120 is used for taking pictures of the front side of the automatic teller machine 100 , for example, capturing a verification image for the operator. The verification image includes demonstration gestures presented by the operator according to the gesture prompt screen. For example, the first transmission unit 110 and the control unit 150 are respectively located in the machine platform of the automatic teller machine 100 , and the first image capture device 120 , the display screen 130 and the input unit 140 are respectively located in the machine platform front edge of the automatic teller machine 100 .

FIG. 3 is a detailed block diagram of the host server 200 in FIG. 1 . As shown in FIG. 2 and FIG. 3 , the host server 200 includes a second transmission unit 210 , a database unit 220 , an image recognition unit 240 , an identity verification unit 250 and a processing unit 260 . The second transmission unit 210 is electrically connected to the first transmission unit 110 through the network structure N (FIG. 1). The database unit 220 stores a plurality of user hand feature values 230 corresponding to different users. The user hand feature value 230 of each user is unique or exclusive, that is, unique and non-repetitive. The image recognition unit 240 is used for recognizing the verification image, and analyzing a gesture feature value according to the hand demonstrating the gesture. For example, the image recognition unit 240 analyzes the gesture feature value according to the wrist fixed point, fingertips and knuckles of the hand demonstrating the gesture. The identity verification unit 250 is used to instruct the automatic teller machine 100 to execute a plurality of identity verification steps in sequence, and provide a plurality of gesture prompt images corresponding to these identity verification steps to the display screen 130 . The processing unit 260 is electrically connected to the second transmission unit 210, the database unit 220, the identity verification unit 250, and the image recognition unit 240 for comparing and judging whether the gesture feature value matches one of the user hand feature values 230, that is, the The demonstration gesture matches the corresponding information of the specific user in the database unit 220 .

FIG. 4 is a detailed block diagram of the bank server 300 in FIG. 1 . As shown in FIG. 2 and FIG. 4, the cardless financial transaction system 10 further includes one or more bank servers 300 (FIG. 1). Each bank server 300 includes a third transmission unit 310 , a second image capture device 320 and a registration unit 330 . The third transmission unit 310 is electrically connected to the second transmission unit 210 through the network structure N. The second image capturing device 320 is used for taking pictures of a registered user 400 , for example, capturing a registered image of the registered user 400 . The registered image includes another demonstration gesture presented by the registered user 400's hand. The registration unit 330 is electrically connected to the third transmission unit 310 and the second image capture device 320, and is used to request the image recognition unit 240 of the host server 200 to recognize the registration image, so that the image recognition unit 240 can analyze the hand according to another demonstration gesture. another user's hand feature value 230 , and let another user's hand feature value 230 be stored in the database unit 220 of the host server 200 . For example, the image recognition unit 240 analyzes the gesture feature value according to the wrist fixed point, fingertips and knuckles of another hand that demonstrates the gesture. In addition, the first gesture prompt screen and the second gesture prompt screen can be, for example, scissors gestures, rock gestures, cloth gestures, any number (such as 1~5) gestures, or other clear and common gesture prompts. However, the present invention is not limited to this.

FIG. 5A is a schematic diagram of a hand 410 of a registered user 400 being image-captured. As shown in FIG. 4 and FIG. 5A, when the registered user 400 applies for a card-not-present financial transaction service at a bank branch, the bank server 300 of the bank branch starts to create a user hand characteristic value 230 for the user. Its steps include as follows. First, the registration unit 330 of the bank server 300 requires the hand 410 of the registered user 400 to show a demonstration gesture according to at least one gesture prompt, and makes the second image capture device 320 take a photo of the hand 410 of the registered user 400; Then, it is transmitted to the image recognition unit 240 of the host server 200, so that the image recognition unit 240 analyzes a user hand feature value 230 according to the hand 410 of the demonstration gesture, and stores the user hand feature value 230 into the host server. The database unit 220 of the device 200 becomes one of the user's hand feature values 230 corresponding to different users in the database unit 220 .

It should be understood that the more user hand feature values 230 are stored in the database unit 220 by each user, the more difficult it is to forge and thus improve the reliability of the system. In addition, the image of the front or back of the hand 410 captured by the second image capture device 320 can be used to establish the above-mentioned feature value 230 of the user's hand.

FIG. 5B is a schematic diagram of the gesture feature value 500 of the hand 410 of the registered user 400 in FIG. 5A . As shown in FIG. 4 and FIG. 5B, for example, when the demonstration gesture of the registered user 400 is the above-mentioned cloth gesture, the image recognition unit 240 will use the hand 410 of the demonstration gesture according to the fixed point of the wrist and the fingers. A plurality of (for example, 21) hand feature points 510 are obtained by analyzing the positions of the tips and knuckles. In other words, these hand feature points 510 are respectively distributed on the palm, such as fixed points on the wrist (feature code 0, Fig. 5B), fingertips of each finger (feature code 4, 8, 12, 16 and 20, Fig. 5B Figure ) and knuckles (feature codes 1~3, 5~7, 9~11, 13~15 and 17~19, Figure 5B). Next, the image recognition unit 240 obtains a feature vector 520 from the coordinates of any two adjacent hand feature points 510 . Next, the image recognition unit 240 obtains a feature matrix after calculating a specific standard deviation for each feature vector 520 . In this way, the set of feature matrices represented by the feature vectors 520 in the demonstration gesture is collectively referred to as the aforementioned user hand feature value 230 . Similarly, the image recognition unit 240 also analyzes the gesture feature values from the feature matrices represented by the feature vectors 520 of the demonstration gesture in the verification image according to the above method.

More specifically, the processing unit 260 compares the feature matrix of the gesture feature value 500 of the demonstration gesture with the feature matrix of one of the user's hand feature values 230, and obtains a gap between them; then, judges whether the gap range meets A preset range. If it is determined that the gap range meets the preset range, the processing unit 260 determines that the gesture feature value 500 matches one of the user hand feature values 230; otherwise, it determines that the gesture feature value 500 does not match one of the user hand feature values. The feature value of the user's hand is 230.

Fig. 6 is a sequence diagram of the cardless financial transaction system of the present embodiment. As shown in FIG. 2 and FIG. 6, when an operator P goes to the ATM 100 to perform a card-not-present financial transaction operation, the host server 200 randomly provides a first gesture prompt screen to the display screen 130 of the ATM 100, Accordingly, the operator P presents a first demonstration gesture H1 (such as the gesture of the number five).

If the host server 200 judges that the first demonstration gesture H1 matches the corresponding data of a specific user in the database unit 220 according to the above method, the display screen 130 of the automatic teller machine 100 continues to randomly provide a second gesture prompt screen for operation Accordingly, the person P shows a second demonstration gesture H2 (such as the gesture of the number three); on the contrary, if it is determined that it does not match, the host server 200 sends out a recognition error message from the display screen 130 .

Then, if the host server 200 judges that the second demonstration gesture H2 (such as the gesture of the number three) matches the corresponding data of the specific user in the database unit 220 according to the above method, the display screen 130 of the automatic teller machine 100 continues to randomly provide a first The three-gesture prompt screen is for the operator P to present a third demonstration gesture H3 (such as the gesture of the number two); on the contrary, if it is judged to be inconsistent, the host server 200 presents an identity verification error message from the display screen 130 .

Then, if the host server 200 judges that the third demonstration gesture H3 (such as the gesture of the number two) matches the corresponding data of the specific user in the database unit 220 according to the above method, the host server 200 proposes from the display screen 130 that the identity verification is correct. and agreed to allow operator P to continue to conduct card-not-present financial transactions.

It should be understood that, in the above embodiments, the host server 200 and the bank server 300 are, for example, server devices or other similar components. The first transmission unit 110 , the second transmission unit 210 and the third transmission unit 310 are, for example, a network interface controller (NIC) or other similar components. The first image capture device 120 and the second image capture device 320 are, for example, a camera device or other similar components. The input unit 140 is, for example, a keyboard, a touch panel or other similar elements. The database unit 220 can be, for example, any type of fixed or removable random access memory (Random Access Memory, RAM), read-only memory (Read-Only Memory, ROM), flash memory (flash memory), A hard disk drive (Hard Disk Drive, HDD), a solid state disk (Solid State Drive, SSD) or similar components or a combination of the above components, the present invention is not limited thereto. The control unit 150, the processing unit 260 and the registration unit 330 are, for example, a central processing unit (Central Processing Unit, CPU), or other programmable general-purpose or special-purpose microprocessors (Microprocessor), digital signal processors (Digital Signal Processor, DSP), programmable controller, application specific integrated circuit (Application Specific Integrated Circuit, ASIC) or other similar components or a combination of the above components, the present invention is not limited thereto. The automatic teller machine 100 (ATM) is a known device, and will not be described in detail herein.

In this way, through the structures described in the above embodiments, it is possible to quickly and effectively identify whether the person is the person by using the surveillance camera on the existing automatic teller machine. In addition, for banks, there is no need to add additional hardware equipment, which can greatly increase the willingness of banks to set up.

Finally, the above-disclosed embodiments are not intended to limit the present invention. Anyone who is skilled in the art can make various changes and modifications without departing from the spirit and scope of the present invention, and all of them can be protected by this invention. inventing. Therefore, the scope of protection of the present invention should be defined by the scope of the appended patent application.

10: Cardless financial transaction system 100: Automatic teller machine 110: the first transmission unit 120: the first image capture device 130: display screen 140: input unit 150: control unit 200: host server 210: the second transmission unit 220: Database unit 230: User hand feature value 240: Image recognition unit 250: identity verification unit 260: processing unit 300: Bank server 310: the third transmission unit 320: the second image capturing device 330: Registration unit 400: registered user 410: hand 500: Gesture feature value 510: hand feature points 520:Eigenvector P: operator H1: First demo gesture H2: The second demonstration gesture H3: The third presentation gesture N: network architecture

In order to make the above and other objects, features, advantages and embodiments of the present invention more clearly understood, the accompanying drawings are described as follows: Fig. 1 is a block diagram of a cardless financial transaction system according to an embodiment of the present invention; Fig. 2 is a detailed block diagram of the automatic teller machine in Fig. 1; Figure 3 is a detailed block diagram of the host server in Figure 1; Figure 4 is a detailed block diagram of the bank server in Figure 1; Figure 5A is a schematic diagram of a registered user's hand being image-captured; Figure 5B is a schematic diagram of the gesture feature values of the registered user in Figure 5A; and Fig. 6 is a sequence diagram of the cardless financial transaction system of the present embodiment.

Domestic deposit information (please note in order of depositor, date, and number) none Overseas storage information (please note in order of storage country, institution, date, and number) none

10: Cardless financial transaction system

100: Automatic teller machine

200: host server

300: Bank server

N: network architecture

Claims (10)

A cardless financial transaction system, comprising: At least one automatic teller machine includes a first transmission unit, a first image capture device, and a display screen, the display screen is used to display at least one gesture prompt screen to an operator, and the first image capture device is used for The operator captures a verification image, and the verification image includes a demonstration gesture presented by the operator according to the gesture prompt screen; and A host server includes a second transmission unit, a database unit, an image recognition unit and a processing unit, the second transmission unit is electrically connected to the first transmission unit through a network structure, and the database unit stores A plurality of pens correspond to hand feature values of different users. The image recognition unit is used to identify the verification image and analyze a gesture feature value based on one hand of the demonstration gesture. The processing unit is electrically connected to the second transmission unit, The database unit and the image recognition unit are used for comparing and judging whether the gesture feature value matches one of the user hand feature values. The cardless financial transaction system as described in Claim 1, wherein the host server further includes an identity verification unit, the identity verification unit is electrically connected to the processing unit, and is used to instruct the automatic teller machine to perform a plurality of identity verification steps in sequence , and provide a plurality of gesture prompt images corresponding to the identity verification steps to the display screen. The cardless financial transaction system as described in Claim 2, wherein the gesture prompt screens are prompts of scissors gesture, rock gesture, cloth gesture and number gesture respectively. The cardless financial transaction system as described in claim 1 further includes: A bank server, including: a third transmission unit electrically connected to the second transmission unit through the network structure; a second image capture device, used to capture a registration image for a registered user, the registration image includes another demonstration gesture shown by one hand of the registered user; and a registration unit, electrically connected to the third transmission unit and the second image capture device, and used to request the image recognition unit of the host server to recognize the registration image, so that the image recognition unit Partly analyze another user's hand feature value, and let the other user's hand feature value be stored in the database unit of the host server. The cardless financial transaction system as described in Claim 4, wherein the image recognition unit analyzes the gesture feature value based on the wrist fixed point, the fingertip and the knuckle of the hand of the demonstration gesture, and according to the other The fixed points of the wrist, the fingertips and the knuckles of the hand of the demonstration gesture are analyzed to obtain the characteristic value of the other user's hand. The cardless financial transaction system as described in claim 4, wherein the processing unit obtains the difference range between the feature matrix of the gesture feature value of the demonstration gesture and the feature matrix of one of the user's hand feature values, and When it is determined that the gap range meets a preset range, the processing unit determines that the gesture feature value matches the one of the user hand feature values. A host server, suitable for a cardless financial transaction system, comprising: A transmission unit, electrically connected to an automatic teller machine through a network structure, for receiving a verification image transmitted from the automatic teller machine, the verification image including a demonstration gesture presented by an operator; A database unit, which stores a plurality of user hand feature values corresponding to different users; An image recognition unit, used to identify the verification image, and analyze a gesture feature value according to the fixed point of the wrist, fingertips and knuckles of the hand of the demonstration gesture; and A processing unit is electrically connected to the transmission unit, the database unit and the image recognition unit for comparing and judging whether the gesture feature value matches one of the user hand feature values. The host server as described in claim 7 further includes: An identity verification unit, electrically connected to the processing unit, is used to instruct the automatic teller machine to execute a plurality of identity verification steps in sequence, and provide a plurality of gesture prompt images corresponding to the identity verification steps to the automatic teller machine. The host server according to claim 8, wherein the gesture prompt screens are prompts of scissors gesture, rock gesture, cloth gesture and number gesture respectively. The host server as described in claim 7, wherein the processing unit obtains the difference range between the feature matrix of the gesture feature value of the demonstration gesture and the feature matrix of one of the user's hand feature values, and determines the When the difference range meets a preset range, the processing unit determines that the gesture feature value matches the one of the hand feature values of the user.

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