TWI696141B - Feature coding system and method and online banking service system and method thereof using the same - Google Patents

Feature coding system and method and online banking service system and method thereof using the same Download PDF

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TWI696141B
TWI696141B TW108113330A TW108113330A TWI696141B TW I696141 B TWI696141 B TW I696141B TW 108113330 A TW108113330 A TW 108113330A TW 108113330 A TW108113330 A TW 108113330A TW I696141 B TWI696141 B TW I696141B
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image
module
feature
seal
face image
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TW202040470A (en
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吳思緯
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彰化商業銀行股份有限公司
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Abstract

A feature coding system is provided. By receiving a seal picture and a face picture; obtaining a seal image in the seal picture according to a first capture condition, and capturing a plurality of first features of the seal image; obtaining a face image in the face picture according to a second capture condition, and capturing a plurality of second features of the face image; superimposing the seal image and the face image according to a preset condition to form a superimposed image; and performing a feature encoding process according to distribution positions of the plurality of first features and the plurality of second features in the superimposed image to generate feature encoding information, the feature coding system can reconstitute the seal image and the face image to obtain the feature coding information to improve the identity verification security for subsequent derivative applications.

Description

特徵編碼系統及方法與應用其之網路銀行服務系統及方法Feature coding system and method and internet banking service system and method using the same

本發明涉及一種編碼系統及其方法與應用其之服務系統及其方法,特別是特徵編碼系統及其方法與應用其之網路銀行服務系統及其方法。 The invention relates to a coding system and method and a service system and method using the same, in particular to a characteristic coding system and method and an internet banking service system and method using the same.

隨著電腦技術不斷的開發和完善,銀行的存戶可以使用電腦、手機等終端設備在網上透過網路銀行進行轉帳、購買外幣、定存、無卡提款或繳費等業務,存戶僅需輸入所註冊的支付密碼或簡訊所包含之單次性密碼(One Time Password,OTP),即可完成該些業務的操作。 With the continuous development and improvement of computer technology, bank depositors can use computers, mobile phones and other terminal devices to conduct online transfers, purchase foreign currencies, fixed deposits, cardless withdrawals or payment services through online banking. Depositors only need to enter The registered payment password or the One Time Password (OTP) included in the newsletter can complete the operations of these services.

然而,基於安全因素的考量與要求下,部分需要安全性要求較高的業務,例如:信用卡申請、授信申請、對保與資料修改,存戶無法直接透過網路銀行利用較低階的臉部照片/影像辨識與較高階的生物特徵辨識等辨識方式進行身分驗證及其後續處理作業,需要存戶親自至臨櫃申請,銀行端才能進行作業處理,而許多存戶之工作時間亦與銀行之營業時間衝突,不易得空進行臨櫃申請作業。 However, due to security considerations and requirements, some businesses that require higher security requirements, such as credit card applications, credit applications, guarantees and data modification, depositors cannot directly use lower-level facial photos through online banking /Image recognition and higher-level biometrics identification and other identification methods for identity verification and subsequent processing operations require depositors to apply in person at the counter before the bank can process the operations, and the working hours of many depositors also conflict with the bank’s business hours , It is not easy to get empty for the counter application operation.

綜上所述,可知先前技術中存在驗證安全性不足而造成部分銀行業務仍需存戶親自至臨櫃申請之問題,因此實有必要提出改進的技術手段,來解決此一問題。 To sum up, it can be seen that there is a problem of insufficient security of verification in the prior art, and some banking businesses still need depositors to apply in person at the counter. Therefore, it is necessary to propose improved technical means to solve this problem.

本發明揭露一種特徵編碼系統及其方法與網路銀行服務系統及其方法。 The invention discloses a feature coding system and method and an internet banking service system and method.

首先,本發明揭露一種特徵編碼系統,其包括:傳收模組、影像獲取模組、特徵擷取模組、疊合模組與處理模組。其中,傳收模組用以接收印鑑影像與人臉影像,以及傳輸特徵編碼資訊;影像獲取模組用以依據第一擷取條件在印鑑影像中獲取印章圖像,以及依據第二擷取條件在人臉影像中獲取臉部圖像;特徵擷取模組用以擷取印章圖像之多個第一特徵與擷取臉部圖像之多個第二特徵;疊合模組用以依據預設條件疊合印章圖像與臉部圖像,以形成疊合圖像;以及處理模組用以依據該些第一特徵與該些第二特徵在疊合圖像中的分布位置進行特徵分析編碼程序,以產生特徵編碼資訊。 First, the present invention discloses a feature encoding system, which includes: a transmission and reception module, an image acquisition module, a feature extraction module, a superposition module, and a processing module. Among them, the transmission and reception module is used to receive the seal image and face image, and to transmit feature encoding information; the image acquisition module is used to obtain the seal image in the seal image according to the first acquisition condition, and according to the second acquisition condition Obtain facial images from human face images; feature extraction module to capture multiple first features of seal images and multiple second features to capture facial images; overlay module to base A predetermined condition is to superimpose the stamp image and the face image to form a superimposed image; and the processing module is used to perform features according to the distribution positions of the first features and the second features in the superimposed image Analyze the coding process to generate characteristic coding information.

此外,本發明揭露一種特徵編碼方法,其步驟包括:接收印鑑影像與人臉影像;依據第一擷取條件在印鑑影像中獲取印章圖像;擷取印章圖像之多個第一特徵;依據第二擷取條件在人臉影像中獲取臉部圖像;擷取臉部圖像之多個第二特徵;依據預設條件疊合印章圖像與臉部圖像,以形成疊合圖像;以及依據該些第一特徵與該些第二特徵在疊合圖像中的分布位置進行特徵分析編碼程序,以產生特徵編碼資訊。 In addition, the present invention discloses a feature encoding method, the steps of which include: receiving a seal image and a face image; obtaining a seal image in the seal image according to the first capturing condition; capturing multiple first features of the seal image; The second capturing condition is to obtain a facial image from the human face image; to capture multiple second features of the facial image; to superimpose the stamp image and the facial image according to preset conditions to form a superimposed image And a feature analysis encoding process based on the distribution positions of the first features and the second features in the superimposed image to generate feature encoding information.

另外,本發明揭露一種網路銀行服務系統,其包括:移動終端、特徵編碼資訊資料庫、網路銀行伺服器與特徵編碼系統,其中,網路銀行伺服器連接移動終端、特徵編碼資訊資料庫與特徵編碼系統。移動終端包括應用程式、控制模組、影像拍攝模組與傳輸模組,控制模組用以當移動終端執行應用程式且接收申請業務信號時,控制模組輸出控制信號;影像拍攝模組用以接收控制信號後,拍攝印鑑影像與人臉影像;傳輸模組用以傳輸申請業務信號、移動終端的使用者之使用者資訊、印鑑影像與人臉影像。特徵編碼資訊資料庫用以儲存每一使用者資訊所對應的第一特徵編碼資訊。網路銀行伺服器包括第一傳收模組、判斷模組、驗證模組與執行模組,第一傳收模組用以接收來自移動終端的申請業務信號、使用者資訊、印鑑影像與人臉影像,傳輸印鑑影像與人臉影像予特徵編碼系統,以及接收來自特徵編碼系統的第二特徵編碼資訊;驗證模組用以依據來自移動終端的使用者資訊於特徵編碼資訊資料庫找到對應的第一特徵編碼資訊,並比對第一特徵編碼資訊與第二特徵編碼資訊,以輸出近似度;執行模組用以當近似度超出預計值時,執行對應申請業務信號的交易指令。特徵編碼系統包括第二傳收模組、影像獲取模組、特徵擷取模組、疊合模組與處理模組,第二傳收模組用以接收來自網路銀行伺服器的印鑑影像與人臉影像,以及傳輸第二特徵編碼資訊予網路銀行伺服器;影像獲取模組用以依據第一擷取條件在印鑑影像中獲取印章圖像,以及依據第二擷取條件在人臉影像中獲取臉部圖像;特徵擷取模組用以擷取印章圖像之多個第一特徵與擷取臉部圖像之多個第二特徵;疊合模組用以依據預設條件疊合印章圖像與臉部圖像,以形成疊合圖像;處理模組用以依據該些第一特徵與該些第二特徵在疊合圖像中的分布位置進行特徵分析編碼程序,以產生第二特徵編碼資訊。 In addition, the present invention discloses an internet banking service system, which includes: a mobile terminal, a feature encoding information database, an internet banking server and a feature encoding system, wherein the internet banking server is connected to the mobile terminal and the feature encoding information database With feature coding system. The mobile terminal includes an application program, a control module, an image shooting module and a transmission module. The control module is used to output a control signal when the mobile terminal executes the application program and receives an application service signal; the image shooting module is used to After receiving the control signal, the seal image and the face image are taken; the transmission module is used to transmit the application service signal, the user information of the user of the mobile terminal, the seal image and the face image. The feature code information database is used to store the first feature code information corresponding to each user information. The online banking server includes a first transmission and reception module, a judgment module, a verification module and an execution module. The first transmission and reception module is used to receive application service signals, user information, seal images and people from the mobile terminal Face image, transmit the seal image and face image to the feature encoding system, and receive the second feature encoding information from the feature encoding system; the verification module is used to find the corresponding feature information database based on the user information from the mobile terminal The first feature encoding information, and comparing the first feature encoding information and the second feature encoding information to output the approximation; the execution module is used to execute the transaction instruction corresponding to the application business signal when the approximation exceeds the expected value. The feature encoding system includes a second transmission and reception module, an image acquisition module, a feature acquisition module, a superposition module, and a processing module. The second transmission and reception module is used to receive the seal image from the online banking server and Face image, and transmit the second feature encoding information to the internet banking server; the image acquisition module is used to obtain the seal image in the seal image according to the first acquisition condition, and the face image according to the second acquisition condition The facial image is acquired in the feature; the feature extraction module is used to capture a plurality of first features of the stamp image and the second features of the captured face image; the superposition module is used to superimpose according to the preset conditions The seal image and the face image are combined to form a superimposed image; the processing module is used to perform a feature analysis coding process according to the distribution positions of the first features and the second features in the superimposed image, Generate second feature encoding information.

再者,本發明揭露一種網路銀行服務方法,其步驟包括:提供移動終端、特徵編碼資訊資料庫、網路銀行伺服器與特徵編碼系統,其中,移動終端包括應用程式、控制模組、影像拍攝模組與傳輸模組,網路銀行伺服器包括第一傳收模組、驗證模組與執行模組,特徵編碼系統包括第二傳收模組、影像獲取模組、特徵擷取模組、疊合模組與處理模組;特徵編碼資訊資料庫儲存每一使用者資訊所對應的第一特徵編碼資訊;當移動終端執行應用程式且接收申請業務信號時,控制模組輸出控制信號;影像拍攝模組接收控制信號後,拍攝印鑑影像與人臉影像;傳輸模組傳輸申請業務信號、移動終端的使用者之使用者資訊、印鑑影像與人臉影像;第一傳收模組接收來自移動終端的申請業務信號、使用者資訊、印鑑影像與人臉影像,並傳輸印鑑影像與人臉影像予第二傳收模組;第二傳收模組接收來自網路銀行伺服器的印鑑影像與人臉影像後,影像獲取模組依據第一擷取條件在印鑑影像中獲取印章圖像,以及依據第二擷取條件在人臉影像中獲取臉部圖像;特徵擷取模組擷取印章圖像之多個第一特徵與擷取臉部圖像之多個第二特徵;疊合模組依據預設條件疊合印章圖像與臉部圖像,以形成疊合圖像;處理模組依據該些第一特徵與該些第二特徵在疊合圖像中的分布位置進行特徵分析編碼程序,以產生第二特徵編碼資訊;第二傳收模組傳輸第二特徵編碼資訊;第一傳收模組接收第二特徵編碼資訊後,驗證模組依據來自移動終端的使用者資訊於特徵編碼資訊資料庫找到對應的第一特徵編碼資訊,並比對第一特徵編碼資訊與第二特徵編碼資訊,以輸出近似度;以及當近似度超出預計值時,執行模組執行對應申請業務信號的交易指令。 Furthermore, the present invention discloses an internet banking service method, the steps of which include: providing a mobile terminal, a feature encoding information database, an internet banking server, and a feature encoding system, wherein the mobile terminal includes an application program, a control module, and an image The shooting module and the transmission module, the Internet banking server includes a first transmission and reception module, a verification module and an execution module, and the feature encoding system includes a second transmission and reception module, an image acquisition module, and a feature extraction module , Superposition module and processing module; the feature code information database stores the first feature code information corresponding to each user information; when the mobile terminal executes the application program and receives the application service signal, the control module outputs the control signal; After the image capture module receives the control signal, it captures the seal image and face image; the transmission module transmits the application service signal, the user information of the user of the mobile terminal, the seal image and the face image; the first transmission and reception module receives from Mobile terminal application service signal, user information, seal image and face image, and transmit the seal image and face image to the second transmission and reception module; the second transmission and reception module receives the seal image from the online banking server After interacting with the face image, the image acquisition module acquires the seal image in the seal image according to the first acquisition condition, and acquires the face image in the face image according to the second acquisition condition; the feature extraction module extracts Multiple first features of the stamp image and multiple second features of the captured face image; the superimposition module superimposes the stamp image and the face image according to preset conditions to form a superimposed image; processing The module performs a feature analysis encoding process according to the distribution positions of the first features and the second features in the superimposed image to generate second feature encoding information; the second transmission and receiving module transmits the second feature encoding information; After the first transmitting and receiving module receives the second feature encoding information, the verification module finds the corresponding first feature encoding information in the feature encoding information database according to the user information from the mobile terminal, and compares the first feature encoding information with the first Two features encode information to output the approximation; and when the approximation exceeds the expected value, the execution module executes the transaction instruction corresponding to the application business signal.

本發明所揭露之特徵編碼系統及其方法與網路銀行服務系統及其方法如上,與先前技術的差異在於特徵編碼系統之設計,特徵編碼系統可依 據預設條件疊合印章圖像與臉部圖像,以形成疊合圖像;以及依據該些第一特徵與該些第二特徵在疊合圖像中的分布位置進行特徵分析編碼程序,以產生特徵編碼資訊。 The feature encoding system and method disclosed in the present invention and the network banking service system and method are as above. The difference from the prior art lies in the design of the feature encoding system. The feature encoding system can be based on Superimposing the stamp image and the face image according to preset conditions to form a superimposed image; and performing a feature analysis coding procedure according to the distribution positions of the first features and the second features in the superimposed image, To generate feature-coded information.

透過上述的技術手段,本發明可將印鑑影像與人臉影像進行重新組成,以取得特徵編碼資訊,進而提升後續衍生應用時身分驗證的安全性。 Through the above-mentioned technical means, the present invention can reconstruct the seal image and the face image to obtain feature encoding information, thereby improving the security of identity verification in subsequent derivative applications.

50:特徵編碼資訊資料庫 50: Feature coding information database

60:網路通訊系統 60: Network communication system

100:網路銀行服務系統 100: Internet banking service system

110:移動終端 110: mobile terminal

112:應用程式 112: Application

114:控制模組 114: control module

116:影像拍攝模組 116: Image shooting module

118:傳輸模組 118: Transmission module

120:網路銀行伺服器 120: Internet Banking Server

122:第一傳收模組 122: The first transceiver module

124:驗證模組 124: Verification module

126:執行模組 126: Execution module

128:判斷模組 128: judge module

130:特徵編碼系統 130: Feature coding system

131:第二傳收模組 131: Second transmission module

132:影像獲取模組 132: Image acquisition module

133:特徵擷取模組 133: Feature extraction module

134:疊合模組 134: Stacking module

135:處理模組 135: Processing module

步驟210:提供移動終端、特徵編碼資訊資料庫、網路銀行伺服器與特徵編碼系統,其中,移動終端包括應用程式、控制模組、影像拍攝模組與傳輸模組,網路銀行伺服器包括第一傳收模組、驗證模組與執行模組,特徵編碼系統包括第二傳收模組、影像獲取模組、特徵擷取模組、疊合模組與處理模組 Step 210: Provide a mobile terminal, a feature encoding information database, an internet banking server, and a feature encoding system, where the mobile terminal includes an application program, a control module, an image shooting module, and a transmission module, and the internet banking server includes A first transmission and reception module, a verification module and an execution module, the feature encoding system includes a second transmission and reception module, an image acquisition module, a feature extraction module, a superposition module and a processing module

步驟220:特徵編碼資訊資料庫儲存每一使用者資訊所對應的第一特徵編碼資訊 Step 220: The feature code information database stores the first feature code information corresponding to each user information

步驟230:當移動終端執行應用程式且接收申請業務信號時,控制模組輸出控制信號 Step 230: When the mobile terminal executes the application program and receives the application service signal, the control module outputs a control signal

步驟240:影像拍攝模組接收控制信號後,拍攝印鑑影像與人臉影像 Step 240: After receiving the control signal, the image capture module captures the seal image and the face image

步驟250:傳輸模組傳輸申請業務信號、移動終端的使用者之使用者資訊、印鑑影像與人臉影像 Step 250: The transmission module transmits the application service signal, the user information of the user of the mobile terminal, the seal image and the face image

步驟260:第一傳收模組接收來自移動終端的申請業務信號、使用者資訊、印鑑影像與人臉影像,並傳輸印鑑影像與人臉影像予第二傳收模組 Step 260: The first transmission and reception module receives the application service signal, user information, seal image and face image from the mobile terminal, and transmits the seal image and face image to the second transmission and reception module

步驟270:第二傳收模組接收來自網路銀行伺服器的印鑑影像與人臉影像後,影像獲取模組依據第一擷取條件在印鑑影像中獲取印章圖像,以及依據第二擷取條件在人臉影像中獲取臉部圖像 Step 270: After the second transmission and reception module receives the seal image and the face image from the Internet banking server, the image acquisition module obtains the seal image in the seal image according to the first capture condition, and according to the second capture Conditional acquisition of facial images in facial images

步驟280:特徵擷取模組擷取印章圖像之多個第一特徵與擷取臉部圖像之多個第二特徵 Step 280: The feature extraction module captures multiple first features of the seal image and multiple second features of the facial image

步驟290:疊合模組依據預設條件疊合印章圖像與臉部圖像,以形成疊合圖像 Step 290: The superimposing module superimposes the stamp image and the face image according to the preset conditions to form a superimposed image

步驟300:處理模組依據該些第一特徵與該些第二特徵在疊合圖像中的分布位置進行特徵分析編碼程序,以產生第二特徵編碼資訊 Step 300: The processing module performs a feature analysis encoding process according to the distribution positions of the first features and the second features in the superimposed image to generate second feature encoding information

步驟310:第二傳收模組傳輸第二特徵編碼資訊 Step 310: The second transmitting and receiving module transmits the second characteristic encoding information

步驟320:第一傳收模組接收第二特徵編碼資訊後,驗證模組依據來自移動終端的使用者資訊於特徵編碼資訊資料庫找到對應的第一特徵編碼資訊,並比對第一特徵編碼資訊與第二特徵編碼資訊,以輸出近似度 Step 320: After the first transmission and reception module receives the second feature code information, the verification module finds the corresponding first feature code information in the feature code information database according to the user information from the mobile terminal, and compares the first feature code Information and the second feature encoding information to output similarity

步驟330:當近似度超出預計值時,執行模組執行對應申請業務信號的交易指令 Step 330: When the approximation exceeds the expected value, the execution module executes the transaction instruction corresponding to the application business signal

第1圖為本發明網路銀行服務系統之一實施例系統方塊圖。 FIG. 1 is a system block diagram of an embodiment of an online banking service system of the present invention.

第2A圖與第2B圖為第1圖的網路銀行服務系統執行網路銀行服務方法之一實施例方法流程圖。 FIG. 2A and FIG. 2B are flowcharts of an embodiment of an online banking service method performed by the online banking service system of FIG. 1.

第3A圖為第2A圖的步驟240中印鑑影像的一實施例示意圖。 FIG. 3A is a schematic diagram of an embodiment of the seal image in step 240 of FIG. 2A.

第3B圖為第2A圖的步驟240中人臉影像的一實施例示意圖。 FIG. 3B is a schematic diagram of an embodiment of the face image in step 240 of FIG. 2A.

第4A圖為第2B圖的步驟270中印章圖像的一實施例示意圖。 FIG. 4A is a schematic diagram of an embodiment of the stamp image in step 270 of FIG. 2B.

第4B圖為第2B圖的步驟270中臉部圖像的一實施例示意圖。 FIG. 4B is a schematic diagram of an embodiment of the face image in step 270 of FIG. 2B.

第5圖為第2B圖的步驟290中疊合圖像的一實施例示意圖。 FIG. 5 is a schematic diagram of an embodiment of superimposed images in step 290 of FIG. 2B.

第6圖為第2B圖的步驟300中將疊合圖像切割成多個區域圖像的一實施例示意圖。 FIG. 6 is a schematic diagram of an embodiment of cutting a superimposed image into a plurality of area images in step 300 of FIG. 2B.

在說明本發明所揭露之特徵編碼系統及其方法與網路銀行服務系統及其方法之前,先對本發明所自行定義的名詞作說明,本發明所述的網路銀行服務系統所包含的移動終端、網路銀行伺服器與特徵編碼系統之各種模組 可以利用各種方式來實現,包含軟體、硬體、韌體或其任意組合。例如,在某些實施方式中,移動終端可以利用軟體和/或硬體來實現,本發明的範圍在此方面不受限制。在實施中提出的技術使用軟體或韌體可以被儲存在機器可讀儲存媒體上,例如:唯讀記憶體(ROM)、隨機存取記憶體(RAM)、磁盤儲存媒體、光儲存媒體、快閃記憶體裝置等等,並且可以由一個或多個通用或專用的可程式化微處理器執行。本發明所述的移動終端配置有應用程式,可透過執行應用程式並以其使用者具有的網路銀行之帳號與密碼登入網路銀行且通過網路通訊系統,例如:網際網路、局域網路、廣域網路和/或無線網路,與網路銀行伺服器相互連通,以進行訊息與資料的傳遞。網路銀行伺服器與特徵編碼系統之間可利用銅傳輸電纜、光纖傳輸、無線傳輸、路由器、防火牆、交換機、閘道電腦和/或邊緣伺服器進行訊息與資料的傳遞,使得網路銀行伺服器與特徵編碼系統之間可相互連通,以進行訊息與資料的傳遞。 Before describing the feature encoding system and method disclosed by the present invention and the network banking service system and method thereof, the terms defined by the present invention will be described first. The mobile terminal included in the network banking service system described in the present invention , Internet banking server and various modules of feature coding system It can be implemented in various ways, including software, hardware, firmware, or any combination thereof. For example, in some embodiments, the mobile terminal may be implemented using software and/or hardware, and the scope of the present invention is not limited in this regard. The technology proposed in the implementation uses software or firmware that can be stored on machine-readable storage media, such as read-only memory (ROM), random-access memory (RAM), disk storage media, optical storage media, fast Flash memory devices, etc., and can be executed by one or more general or special programmable microprocessors. The mobile terminal described in the present invention is equipped with an application program, which can be used to log in to the Internet Bank by executing the application program and using the account and password of the Internet Bank owned by its user and through the network communication system, for example: Internet, LAN , Wide area network and/or wireless network, communicate with the internet banking server to transfer messages and data. Copper transmission cables, optical fiber transmission, wireless transmission, routers, firewalls, switches, gateway computers, and/or edge servers can be used to transfer information and data between the Internet banking server and the feature encoding system, making the Internet banking server The device and the characteristic coding system can communicate with each other to carry out the transmission of information and data.

以下將配合圖式及實施例來詳細說明本發明之實施方式,藉此對本發明如何應用技術手段來解決技術問題並達成技術功效的實現過程能充分理解並據以實施。 The embodiments of the present invention will be described in detail below in conjunction with the drawings and examples, so as to fully understand and implement the implementation process of how the present invention uses technical means to solve technical problems and achieve technical effects.

請先參閱「第1圖」、「第2A圖」與「第2B圖」,「第1圖」為本發明網路銀行服務系統之一實施例系統方塊圖,「第2A圖」與「第2B圖」為「第1圖」的網路銀行服務系統執行網路銀行服務方法之一實施例方法流程圖。網路銀行服務系統100包含:特徵編碼資訊資料庫50、移動終端110、網路銀行伺服器120與特徵編碼系統130。其中,移動終端110可包括應用程式112、控制模組114、影像拍攝模組116與傳輸模組118,網路銀行伺服器120可包括第一傳收模組122、驗證模組124與執行模組126,特徵編碼系統130可包括第二傳收模組 131、影像獲取模組132、特徵擷取模組133、疊合模組134與處理模組135(即步驟210)。其中,移動終端110可為但不限於攜帶型電子裝置,例如:智慧型手機或平板電腦。 Please refer to "Picture 1", "Picture 2A" and "Picture 2B" first. "Picture 1" is a system block diagram of an embodiment of the online banking service system of the present invention. "Picture 2A" and "Picture 2" "Figure 2B" is a method flowchart of an embodiment of an online banking service method of the "Figure 1" network banking service system. The internet banking service system 100 includes a feature code information database 50, a mobile terminal 110, an internet bank server 120, and a feature code system 130. Among them, the mobile terminal 110 may include an application program 112, a control module 114, an image shooting module 116 and a transmission module 118, and the internet banking server 120 may include a first transmission and reception module 122, a verification module 124 and an execution module Group 126, the characteristic encoding system 130 may include a second transmission and reception module 131. An image acquisition module 132, a feature extraction module 133, a superposition module 134, and a processing module 135 (ie, step 210). The mobile terminal 110 may be, but not limited to, a portable electronic device, such as a smart phone or a tablet computer.

在本實施例中,移動終端110配置有應用程式112,也就是移動終端110的使用者(即存戶)所開戶之銀行其開發的網路銀行應用程式。移動終端110可透過執行應用程式112並以其使用者具有的網路銀行之帳號與密碼登入網路銀行且通過網路通訊系統60與網路銀行伺服器120相互連通,以進行訊息與資料的傳遞,其中,移動終端110的使用者可於開戶後依據其存款帳戶提出網路銀行之申請,進而取得其網路銀行的帳號與密碼。 In this embodiment, the mobile terminal 110 is configured with an application 112, that is, an online banking application developed by a bank opened by a user (ie, depositor) of the mobile terminal 110. The mobile terminal 110 can log in to the Internet Banking by executing the application 112 and using the Internet Banking account and password of its user and communicate with the Internet Banking Server 120 through the network communication system 60 for message and data communication. Transfer, in which the user of the mobile terminal 110 can apply for online banking based on his deposit account after opening an account, and then obtain the account and password of his online banking.

在步驟220中,特徵編碼資訊資料庫50可儲存每一使用者資訊所對應的第一特徵編碼資訊。其中,每一使用者資訊係為用以辨識每一存戶的身分之相關資訊。更詳細地說,當移動終端110的使用者(即存戶)進行開戶時,會提供銀行端留存開戶章影像(即印鑑影像)以及拍攝開戶影像(即人臉影像),因此,可透過特徵編碼系統130將開戶時所留存的開戶章影像(即印鑑影像)與存戶影像(即人臉影像)進行如後續步驟270至步驟300之程序,以產生對應每一存戶的第一特徵編碼資訊(即每一使用者資訊所對應的第一特徵編碼資訊),而特徵編碼資訊資料庫50係用以儲存該些使用者資訊及其對應的該些第一特徵編碼資訊之資料庫。需注意的是,第一特徵編碼資訊與第二特徵編碼資訊的差異僅在於第一特徵編碼資訊係由開戶時所留存的開戶章影像(即印鑑影像)與存戶影像(即人臉影像)進行如後續步驟270至步驟300之程序而取得,第二特徵編碼資訊係由透過網路銀行申請業務時所拍攝的印鑑影像與人臉影像進行如 後續步驟270至步驟300之程序而取得。關於步驟270至步驟300之程序,詳細說明容後說明。 In step 220, the feature code information database 50 may store the first feature code information corresponding to each user information. Among them, each user information is related information for identifying the identity of each depositor. In more detail, when the user (ie, depositor) of the mobile terminal 110 opens an account, it will provide the bank to retain the account opening seal image (ie, seal image) and shoot the account opening image (ie, face image). Therefore, feature encoding The system 130 performs the following procedures from step 270 to step 300 on the account opening seal image (ie, the seal image) and the depositor image (ie, the face image) that are retained when the account is opened, to generate the first feature encoding information corresponding to each depositor (ie The first feature code information corresponding to each user information), and the feature code information database 50 is a database for storing the user information and the corresponding first feature code information. It should be noted that the difference between the first feature encoding information and the second feature encoding information is only that the first feature encoding information is performed by the account opening seal image (ie, the seal image) and the depositor image (ie, the face image) that are retained when the account is opened As obtained in the subsequent steps from step 270 to step 300, the second feature code information is obtained from the seal image and the face image taken when applying for the business through the Internet bank. It is obtained by following the procedure from step 270 to step 300. The procedures of steps 270 to 300 will be described in detail later.

在步驟230中,當移動終端110執行應用程式112且接收申請業務信號時,控制模組114輸出控制信號。更詳細地說,移動終端110可包括顯示觸控模組(未繪製),移動終端110的使用者欲申辦安全性要求較高的業務(例如:信用卡申請)時,可操作移動終端110之顯示觸控模組,使移動終端110執行應用程式112,移動終端110的使用者可輸入其於開戶後所申請之網路銀行的帳號與密碼登入網路銀行且連接網路銀行伺服器120,接著,移動終端110的使用者可在顯示觸控模組顯示的用戶操作介面上看到複數個業務申辦選項,移動終端110的使用者可點選其欲申辦的業務所對應的業務申辦選項,使移動終端110接收觸發該業務申辦選項之操作(即接收申請業務信號),而控制模組114可對應輸出控制信號予影像拍攝模組116。 In step 230, when the mobile terminal 110 executes the application 112 and receives the application service signal, the control module 114 outputs a control signal. In more detail, the mobile terminal 110 may include a display touch module (not shown). When a user of the mobile terminal 110 wants to apply for a business with high security requirements (for example, credit card application), the mobile terminal 110 can operate the display of the mobile terminal 110 The touch module enables the mobile terminal 110 to execute the application program 112, and the user of the mobile terminal 110 can enter the account and password of the Internet bank applied for after opening the account to log in to the Internet bank and connect to the Internet bank server 120, and then , The user of the mobile terminal 110 can see a plurality of business bidding options on the user operation interface displayed by the display touch module, and the user of the mobile terminal 110 can click on the business bidding option corresponding to the business he wants to bid for, so that The mobile terminal 110 receives the operation that triggers the service bidding option (ie, receives the application service signal), and the control module 114 can correspondingly output a control signal to the image capturing module 116.

在步驟240中,影像拍攝模組116可在接收控制信號後,拍攝使用者的印鑑影像與人臉影像。更詳細地說,在移動終端110接收觸發該業務申辦選項之操作後,控制模組114可啟動影像拍攝模組116,使顯示觸控模組顯示拍攝畫面。在影像拍攝模組116拍攝印鑑影像與使用者的人臉影像之過程中,可先拍攝使用者的印鑑影像,再拍攝使用者的人臉影像,也可以先拍攝使用者的人臉影像,再拍攝使用者的印鑑影像,使用者的印鑑影像與人臉影像的拍攝順序(即拍攝印鑑與人臉的順序)可依據實際需求或設定進行調整。需注意的是,當拍攝印鑑影像時,顯示觸控模組所顯示的拍攝畫面可具有印鑑取景框,該印鑑取景框可為但不限於方形、圓形或橢圓形,以輔助使用者對位並拍攝印鑑的正面影像(即印鑑影像),換句話說,透過印鑑取景框使印鑑影像為具有完整印章 輪廓的影像(如「第3A圖」所示,「第3A圖」為「第2A圖」的步驟240中印鑑影像的一實施例示意圖);當拍攝人臉影像時,顯示觸控模組所顯示的拍攝畫面可具有人臉取景框,該人臉取景框可為但不限於鵝蛋型、圓臉型、長臉型、倒三角形、心型、鑽石型、三角形、四邊形或長方形,以輔助使用者對位並拍攝人臉的正面影像(即人臉影像),換句話說,透過人臉取景框使人臉影像為具有完整活體臉部輪廓的影像(如「第3B圖」所示,「第3B圖」為「第2A圖」的步驟240中人臉影像的一實施例示意圖)。 In step 240, after receiving the control signal, the image capturing module 116 may capture the user's seal image and face image. More specifically, after the mobile terminal 110 receives an operation that triggers the service bidding option, the control module 114 can activate the image capture module 116 to cause the display touch module to display the capture screen. In the process of capturing the seal image and the user's face image by the image capturing module 116, the user's seal image can be captured first, and then the user's face image can be captured, or the user's face image can be captured first. When shooting the user's seal image, the shooting sequence of the user's seal image and face image (that is, the order of shooting the seal and face) can be adjusted according to actual needs or settings. It should be noted that when shooting a seal image, the shooting screen displayed by the display touch module may have a seal framing frame, and the seal framing frame may be, but not limited to, a square, a circle, or an ellipse, to assist the user in positioning And shoot the front image of the seal (ie, the seal image), in other words, the seal image is made to have a complete seal through the seal framing frame Contour image (as shown in "Picture 3A", "Picture 3A" is a schematic diagram of an embodiment of the seal image in step 240 of "Picture 2A"); when a face image is taken, the touch module displays The displayed shooting frame may have a face framing frame. The face framing frame may be, but not limited to, goose egg shape, round face shape, long face shape, inverted triangle, heart shape, diamond shape, triangle, quadrangle or rectangle to assist the user Align and shoot a frontal image of the face (ie, a face image), in other words, make the face image an image with a complete living face contour through the face framing frame (as shown in "Figure 3B", " "Figure 3B" is a schematic diagram of an embodiment of a face image in step 240 of "Figure 2A").

在步驟250中,傳輸模組118可傳輸申請業務信號、移動終端110的使用者之使用者資訊、印鑑影像與人臉影像予網路銀行伺服器120。其中,申請業務信號可對應移動終端110的使用者點選的業務申辦選項;使用者資訊可對應移動終端110的使用者的辨識資料,用以辨識該使用者的身分,其可包括但不限於使用者的網路銀行帳號。 In step 250, the transmission module 118 may transmit the application service signal, the user information of the user of the mobile terminal 110, the seal image and the face image to the Internet banking server 120. Among them, the application service signal may correspond to the service bidding option selected by the user of the mobile terminal 110; the user information may correspond to the identification data of the user of the mobile terminal 110 to identify the user's identity, which may include but not limited to User's online banking account.

在步驟260中,第一傳收模組122可接收來自移動終端110的申請業務信號、使用者資訊、印鑑影像與人臉影像,並傳輸印鑑影像與人臉影像予特徵編碼系統130的第二傳收模組131,以進行後續特徵分析編碼程序,詳細說明容後說明。 In step 260, the first transmitting and receiving module 122 may receive the application service signal, user information, seal image and face image from the mobile terminal 110, and transmit the seal image and face image to the second of the feature encoding system 130 The transmitting and receiving module 131 performs a subsequent feature analysis coding process, and the detailed description will be described later.

在步驟270中,第二傳收模組131可接收來自網路銀行伺服器120的印鑑影像與人臉影像後,影像獲取模組132可依據第一擷取條件在印鑑影像中獲取印章圖像,以及依據第二擷取條件在人臉影像中獲取臉部圖像。其中,第一擷取條件係為印鑑的外框為擷取印章圖像之邊界線,第二擷取條件係為臉部輪廓為擷取臉部圖像之邊界線。換句話說,印章圖像僅包括印鑑的外框及其印文(如「第4A圖」所示,「第4A圖」為「第2B圖」的步驟270中印章圖像的一 實施例示意圖),臉部圖像僅包括臉部輪廓、眼睛、眉毛、鼻子與嘴巴(如「第4B圖」所示,「第4B圖」為「第2B圖」的步驟270中臉部圖像的一實施例示意圖)。 In step 270, after the second transmission and reception module 131 can receive the seal image and the face image from the Internet banking server 120, the image acquisition module 132 can obtain the seal image from the seal image according to the first acquisition condition And obtaining a facial image from the facial image according to the second capturing condition. Wherein, the first acquisition condition is that the outer frame of the seal is the boundary line for capturing the seal image, and the second acquisition condition is that the face contour is the boundary line for capturing the face image. In other words, the seal image includes only the frame of the seal and its seal (as shown in "Figure 4A", "Figure 4A" is a part of the seal image in step 270 of "Figure 2B" Example schematic), the facial image only includes facial contours, eyes, eyebrows, nose and mouth (as shown in "Figure 4B", "Figure 4B" is the face image in step 270 of "Figure 2B" Image of an embodiment schematic).

在步驟280中,特徵擷取模組133可擷取印章圖像之多個第一特徵與擷取臉部圖像之多個第二特徵。其中,特徵擷取模組133可基於印文結構擷取印章圖像之該些第一特徵(例如:每一字的端點、筆畫轉折處與筆畫的交接處,在本實施例中,共三十九個第一特徵,第一特徵係以「第4A圖」中的灰階X符號表示),特徵擷取模組133可基於臉部特徵點的辨識演算法(feature-based recognition algorithms)擷取臉部圖像之該些第二特徵(例如:眼睛、鼻子、嘴巴、眉毛),但本實施例並非用以限定本發明,可依據實際需求進行調整。 In step 280, the feature extraction module 133 may capture multiple first features of the stamp image and multiple second features of the facial image. Among them, the feature extraction module 133 can capture the first features of the stamp image based on the seal structure (for example: the end point of each word, the turning point of the stroke and the intersection of the stroke, in this embodiment, a total of Thirty-nine first features, the first feature is represented by the gray scale X symbol in "Figure 4A"), the feature extraction module 133 may be based on facial-feature-point recognition algorithms (feature-based recognition algorithms) The second features of the facial image are captured (for example: eyes, nose, mouth, eyebrows), but this embodiment is not intended to limit the present invention, and can be adjusted according to actual needs.

在步驟290中,疊合模組134可依據預設條件疊合印章圖像與臉部圖像,以形成疊合圖像(如「第5圖」所示,「第5圖」為「第2B圖」的步驟290中疊合圖像的一實施例示意圖)。其中,預設條件可為印章圖像中外框的任一邊緣(即印鑑為方形)與臉部圖像中眉毛的連線對齊,但本實施例並非用以限定本發明,舉例而言,當印鑑為圓形時,預設條件可為印章圖像中外框上方的最高點位於臉部圖像中眉毛的連線上。需注意的是,在本實施例中,疊合模組134在疊合印章圖像與臉部圖像之前可依據其預設影像尺寸大小分別對印章圖像與臉部圖像進行放大或縮小的調整,以使印章圖像與臉部圖像之間的相對比例大小為固定的預設值。 In step 290, the superimposing module 134 can superimpose the stamp image and the face image according to the preset conditions to form a superimposed image (as shown in "Figure 5", "Figure 5" is " (An illustration of an embodiment of the superimposed image in step 290 of FIG. 2B). The preset condition may be that any edge of the outer frame in the seal image (that is, the seal is square) is aligned with the line of the eyebrows in the face image, but this embodiment is not intended to limit the present invention. For example, when When the seal is circular, the preset condition may be that the highest point above the outer frame in the seal image is on the line of the eyebrows in the face image. It should be noted that, in this embodiment, before superimposing the stamp image and the face image, the superimposing module 134 can enlarge or reduce the stamp image and the face image respectively according to their preset image sizes. To adjust the relative proportion between the stamp image and the face image to a fixed preset value.

在步驟300中,處理模組135可依據該些第一特徵與該些第二特徵在疊合圖像中的分布位置進行特徵分析編碼程序,以產生第二特徵編碼資訊。其中,特徵分析編碼程序可包括以下步驟:處理模組135可依據分割條件將疊合 圖像切割成多個區域圖像(如「第6圖」所示,「第6圖」為「第2B圖」的步驟300中將疊合圖像切割成多個區域圖像的一實施例示意圖),並依據每一區域圖像中具有的第一特徵的數量與第二特徵的數量進行編碼,以產生第二特徵編碼資訊。其中,分割條件可為但不限於分割成四個區域圖像,分別為眉毛區塊、眼睛區塊、鼻子區塊與嘴巴區塊。在本實施例中,於眉毛區塊中的第一特徵有兩個,第二特徵有兩個(即兩個眉毛),故眼睛區塊的編碼可為022;於眼睛區塊中的第一特徵有十一個,第二特徵有兩個(即兩個眼睛),故眼睛區塊的編碼可為112;於鼻子區塊中的第一特徵有十五個,第二特徵有一個(即一個鼻子),故鼻子區塊的編碼可為151;於嘴巴區塊中的第一特徵有十一個,第二特徵有一個(即一個嘴巴),故嘴巴區塊的編碼可為111。因此,第二特徵編碼資訊可為依照眉毛區塊、眼睛區塊、鼻子區塊與嘴巴區塊之順序編排,可為022112151111。需注意的是,當區域圖像的數量過多會使編碼結果較為複雜,進而提高後續步驟320中比對第一特徵編碼資訊與第二特徵編碼資訊之精準度;當區域圖像的數量過少會使編碼結果較為簡單,進而降低後續步驟320中比對第一特徵編碼資訊與第二特徵編碼資訊之精準度。 In step 300, the processing module 135 may perform a feature analysis encoding process according to the distribution positions of the first features and the second features in the superimposed image to generate second feature encoding information. Among them, the feature analysis coding procedure may include the following steps: the processing module 135 may superimpose the Image is cut into multiple area images (as shown in "Figure 6", "Figure 6" is "Figure 2B" in step 300, an example of cutting the superimposed image into multiple area images (Schematic diagram), and encode according to the number of first features and the number of second features in each area image to generate second feature encoding information. Wherein, the segmentation condition may be, but not limited to, the image divided into four regions, namely the eyebrow block, the eye block, the nose block and the mouth block. In this embodiment, there are two first features in the eyebrow block and two second features (that is, two eyebrows), so the code of the eye block can be 022; the first feature in the eye block There are eleven features and two second features (that is, two eyes), so the eye block can be coded as 112; there are fifteen first features in the nose block and one second feature (ie A nose), so the code of the nose block can be 151; the first feature in the mouth block has eleven and the second feature has one (ie, a mouth), so the code of the mouth block can be 111. Therefore, the second feature encoding information can be arranged in the order of eyebrow block, eye block, nose block and mouth block, which can be 022112151111. It should be noted that when the number of regional images is too large, the encoding result will be more complicated, thereby improving the accuracy of comparing the first feature encoding information with the second feature encoding information in the subsequent step 320; when the number of regional images is too small The coding result is relatively simple, and the accuracy of comparing the first feature encoding information with the second feature encoding information in the subsequent step 320 is reduced.

在步驟310中,第二傳收模組131可傳輸第二特徵編碼資訊予網路銀行伺服器120。在步驟320中,第一傳收模組122可接收第二特徵編碼資訊後,驗證模組124可依據來自移動終端110的使用者資訊於特徵編碼資訊資料庫50找到對應的第一特徵編碼資訊,並比對第一特徵編碼資訊與第二特徵編碼資訊,以輸出近似度。舉例而言,當第一特徵編碼資訊可為022122141111且第二特徵編碼資訊可為022112151111時,第一傳收模組122輸出的近似度可約為83%(即十二個數字中有兩個數字不同)。由於疊合印章圖像與臉部圖像時可能造成誤 差,於分割疊合圖像時也可能有所誤差,因此,近似度通常無法為100%(即相同)。 In step 310, the second transmitting and receiving module 131 can transmit the second characteristic encoding information to the online banking server 120. In step 320, after the first transmitting and receiving module 122 can receive the second feature encoding information, the verification module 124 can find the corresponding first feature encoding information in the feature encoding information database 50 according to the user information from the mobile terminal 110 , And compare the first feature code information with the second feature code information to output similarity. For example, when the first feature encoding information can be 022122141111 and the second feature encoding information can be 022112151111, the approximation of the output of the first transceiver module 122 can be about 83% (that is, two of the twelve numbers The numbers are different). Mistakes may occur when the stamp image and face image are superimposed Poor, there may be some errors when dividing the superimposed image, so the approximation is usually not 100% (ie the same).

在步驟330中,當近似度超出預計值時,執行模組126可執行對應申請業務信號的交易指令。其中,預計值可為但不限於80%。更詳細地說,當近似度超出預計值時,代表移動終端110的使用者(即存戶)依據其所拍攝的印鑑影像與人臉影像通過身分驗證,執行模組126可執行對應申請業務信號的交易指令。 In step 330, when the approximation exceeds the expected value, the execution module 126 can execute a transaction instruction corresponding to the application service signal. Among them, the predicted value may be but not limited to 80%. More specifically, when the approximation exceeds the expected value, the user representing the mobile terminal 110 (ie, the depositor) passes the identity verification based on the seal image and face image captured by the user, and the execution module 126 can execute the corresponding application service signal Trading instructions.

透過上述步驟270至步驟300之程序(即特徵編碼系統之設計),可將印鑑影像與人臉影像進行重新組成,以取得對應的特徵編碼資訊,當特徵編碼系統130應用網路銀行服務系統100時可提升身分驗證的安全性,以解決先前技術中存在驗證安全性不足而造成部分銀行業務仍需存戶親自至臨櫃申請之問題。需注意的是,上述各個步驟如果沒有因果關係,本發明並不限定其執行的先後順序。 Through the above steps 270 to 300 (that is, the design of the feature encoding system), the seal image and the face image can be reconstructed to obtain the corresponding feature encoding information. When the feature encoding system 130 is applied to the Internet banking service system 100 The security of identity verification can be improved to solve the problem of insufficient security of verification in the prior art, which caused some banking businesses to still require depositors to apply in person at the counter. It should be noted that if there is no causal relationship between the above steps, the present invention does not limit the order of execution.

在本實施例中,網路銀行伺服器120還可包括判斷模組128,可用以接收並判斷來自網路銀行伺服器120的人臉影像是否符合活體條件,當判斷模組128判斷人臉影像符合活體條件時,第一傳收模組122才傳輸印鑑影像與人臉影像予特徵編碼系統130。其中,活體條件包含影像拍攝模組116所拍攝的人臉影像存在活體。更詳細地說,判斷模組128可依據光流演算法、基於圖片中人像的破綻(摩爾紋、成像畸形等)或者基於三維結構光成像原理,通過人臉表面反射光線構建深度圖像等活體辨識方式分析人臉影像中是否存在活體,以有效防止利用使用者的照片二次翻拍等作弊行為,提升身分驗證的安全性。 In this embodiment, the internet banking server 120 may further include a judgment module 128, which can be used to receive and judge whether the face image from the internet banking server 120 meets the living condition. When the judgment module 128 judges the face image When the living condition is met, the first transmission and reception module 122 transmits the seal image and the face image to the feature encoding system 130. The living condition includes that the human face image captured by the image capturing module 116 exists in a living body. In more detail, the judgment module 128 can build a living body such as a depth image by reflecting light on the face of the face according to the optical flow algorithm, based on the flaws in the picture (moiré, imaging deformity, etc.) or based on the principle of three-dimensional structured light imaging The identification method analyzes whether there is a living body in the face image, so as to effectively prevent cheating by using the user's second photo remake, and improve the security of identity verification.

在本實施例中,第一傳收模組122傳輸印鑑影像與人臉影像予特徵編碼系統130之前提要件除了判斷模組128判斷人臉影像符合活體條件以外,還可包括驗證模組124驗證印鑑影像與人臉影像通過後,詳細說明如下。特徵編碼資訊資料庫50還可儲存每一使用者資訊所對應的開戶章影像與存戶影像,驗證模組124還可用以依據來自移動終端110的使用者資訊於特徵編碼資訊資料庫50找到對應的開戶章影像與存戶影像,並基於開戶章影像透過印鑑識別技術驗證印鑑影像,基於存戶影像透過臉部識別技術驗證人臉影像,當印鑑影像與人臉影像驗證通過後,代表移動終端110的使用者(即存戶)依據其所拍攝的印鑑影像與人臉影像通過初步的身分驗證,第一傳收模組122可傳輸印鑑影像與人臉影像予特徵編碼系統130,以利後續進行進階的身分驗證(即步驟270至步驟330)。 In this embodiment, before the first transmission and reception module 122 transmits the seal image and the face image to the feature encoding system 130, in addition to the judgment module 128 judging that the face image meets the living condition, it can also include a verification module 124 to verify After the seal image and face image are passed, the detailed description is as follows. The feature code information database 50 can also store the account opening image and the depositor image corresponding to each user information, and the verification module 124 can also be used to find the corresponding one in the feature code information database 50 based on the user information from the mobile terminal 110 Open account seal image and depositor image, and verify seal image based on open account seal image through seal recognition technology, and verify face image based on depositor image through face recognition technology. When verification of seal image and face image is passed, it represents the use of mobile terminal 110 The person (ie, the depositor) passes the initial identity verification based on the seal image and the face image taken by him, and the first transmitting and receiving module 122 can transmit the seal image and the face image to the feature encoding system 130 to facilitate subsequent advanced Identity verification (ie step 270 to step 330).

在本實施例中,傳輸模組118可傳輸申請業務信號予網路銀行伺服器120時,還可傳輸移動終端110的位置資訊,驗證模組124還可用以驗證位置資訊是否符合限制條件,其中,限制條件可為存戶於開戶時所設定之條件(因為印鑑通常不會帶在身上,故利用本發明之網路銀行服務方法進行業務申請時,通常為存戶可能存放印鑑之處)。因此,執行模組126執行對應申請業務信號的交易指令之前提要件除了近似度超出預計值以外,還可包括位置資訊符合限制條件,以進一步提升驗證的安全性。 In this embodiment, when the transmission module 118 can transmit the application service signal to the online banking server 120, it can also transmit the location information of the mobile terminal 110, and the verification module 124 can also be used to verify whether the location information meets the restriction conditions. The restriction condition may be the condition set by the depositor when opening the account (since the seal is usually not carried on the body, so when using the online banking service method of the present invention to apply for business, the depositor may generally store the seal). Therefore, before the execution module 126 executes the transaction instruction corresponding to the application business signal, in addition to the approximation exceeding the expected value, the location information can also include location information that meets the restriction conditions, so as to further improve the security of verification.

綜上所述,可知本發明與先前技術之間的差異在於特徵編碼系統之設計,特徵編碼系統可依據預設條件疊合印章圖像與臉部圖像,以形成疊合圖像;以及依據該些第一特徵與該些第二特徵在疊合圖像中的分布位置進行特徵分析編碼程序,以產生特徵編碼資訊,藉由此一技術手段可將印鑑影像與人 臉影像進行重新組成,以取得特徵編碼資訊,進而提升後續衍生應用時身分驗證的安全性。 In summary, the difference between the present invention and the prior art lies in the design of the feature encoding system. The feature encoding system can superimpose the seal image and the face image according to the preset conditions to form a superimposed image; and based on The distribution positions of the first features and the second features in the superimposed image are subjected to a feature analysis and encoding process to generate feature encoding information, by which the signature image and human The face image is reorganized to obtain feature encoding information, thereby improving the security of identity verification in subsequent derivative applications.

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,任何熟習相像技藝者,在不脫離本發明之精神和範圍內,當可作些許之更動與潤飾,因此本發明之專利保護範圍須視本說明書所附之申請專利範圍所界定者為準。 Although the present invention has been disclosed as the foregoing embodiments, it is not intended to limit the present invention. Any person familiar with similar arts can make some changes and modifications without departing from the spirit and scope of the present invention. The scope of patent protection shall be determined by the scope of the patent application attached to this specification.

50:特徵編碼資訊資料庫 50: Feature coding information database

60:網路通訊系統 60: Network communication system

100:網路銀行服務系統 100: Internet banking service system

110:移動終端 110: mobile terminal

112:應用程式 112: Application

114:控制模組 114: control module

116:影像拍攝模組 116: Image shooting module

118:傳輸模組 118: Transmission module

120:網路銀行伺服器 120: Internet Banking Server

122:第一傳收模組 122: The first transceiver module

124:驗證模組 124: Verification module

126:執行模組 126: Execution module

128:判斷模組 128: judge module

130:特徵編碼系統 130: Feature coding system

131:第二傳收模組 131: Second transmission module

132:影像獲取模組 132: Image acquisition module

133:特徵擷取模組 133: Feature extraction module

134:疊合模組 134: Stacking module

135:處理模組 135: Processing module

Claims (8)

一種特徵編碼系統,其包括:一傳收模組,用以接收一印鑑影像與一人臉影像,以及傳輸一特徵編碼資訊;一影像獲取模組,用以依據一第一擷取條件在該印鑑影像中獲取一印章圖像,以及依據一第二擷取條件在該人臉影像中獲取一臉部圖像,其中,該第一擷取條件係為一印鑑的外框為擷取該印章圖像之邊界線,該第二擷取條件係為一臉部輪廓為擷取該臉部圖像之邊界線;一特徵擷取模組,用以擷取該印章圖像之多個第一特徵與擷取該臉部圖像之多個第二特徵;一疊合模組,用以依據一預設條件疊合該印章圖像與該臉部圖像,以形成一疊合圖像;以及一處理模組,用以依據該些第一特徵與該些第二特徵在該疊合圖像中的分布位置進行一特徵分析編碼程序,以產生該特徵編碼資訊,其中,該特徵分析編碼程序包括以下步驟:該處理模組可依據一分割條件將該疊合圖像切割成多個區域圖像,並依據每一該區域圖像中具有的該第一特徵的數量與該第二特徵的數量進行編碼,以產生該特徵編碼資訊。 A feature encoding system includes: a transmission and reception module for receiving a seal image and a face image, and transmitting a feature encoding information; and an image acquisition module for storing the seal according to a first acquisition condition Obtaining a seal image from the image, and obtaining a face image from the face image according to a second capture condition, wherein the first capture condition is a seal frame for capturing the seal image The boundary line of the image, the second extraction condition is that a face contour is the boundary line for capturing the face image; a feature extraction module is used to capture multiple first features of the seal image And capturing a plurality of second features of the face image; a superimposing module for superimposing the stamp image and the face image according to a preset condition to form a superimposed image; and A processing module for performing a feature analysis coding process based on the distribution positions of the first features and the second features in the superimposed image to generate the feature encoding information, wherein the feature analysis encoding process The method includes the following steps: the processing module can cut the superimposed image into a plurality of area images according to a segmentation condition, and according to the number of the first features and the second features in each of the area images The quantity is coded to generate the characteristic coding information. 一種網路銀行服務系統,其包括:一移動終端,其包括:一應用程式; 一控制模組,用以當該移動終端執行該應用程式且接收一申請業務信號時,該控制模組輸出一控制信號;一影像拍攝模組,連接該控制模組,用以接收該控制信號後,拍攝一印鑑影像與一人臉影像;以及一傳輸模組,用以傳輸該申請業務信號、該移動終端的使用者之一使用者資訊、該印鑑影像與該人臉影像;一特徵編碼資訊資料庫,用以儲存每一該使用者資訊所對應的一第一特徵編碼資訊;一網路銀行伺服器,連接該移動終端與該特徵編碼資訊資料庫,其包括:一第一傳收模組,用以接收來自該移動終端的該申請業務信號、該使用者資訊、該印鑑影像與該人臉影像,傳輸該印鑑影像與該人臉影像予一特徵編碼系統,以及接收來自該特徵編碼系統的一第二特徵編碼資訊;一驗證模組,用以依據來自該移動終端的該使用者資訊於該特徵編碼資訊資料庫找到對應的該第一特徵編碼資訊,並比對該第一特徵編碼資訊與該第二特徵編碼資訊,以輸出一近似度;以及一執行模組,用以當該近似度超出一預計值時,執行對應該申請業務信號的一交易指令;以及該特徵編碼系統,連接該網路銀行伺服器,其包括: 一第二傳收模組,用以接收來自該網路銀行伺服器的該印鑑影像與該人臉影像,以及傳輸該第二特徵編碼資訊予該網路銀行伺服器;一影像獲取模組,用以依據一第一擷取條件在該印鑑影像中獲取一印章圖像,以及依據一第二擷取條件在該人臉影像中獲取一臉部圖像,其中,該第一擷取條件係為一印鑑的外框為擷取該印章圖像之邊界線,該第二擷取條件係為一臉部輪廓為擷取該臉部圖像之邊界線;一特徵擷取模組,用以擷取該印章圖像之多個第一特徵與擷取該臉部圖像之多個第二特徵;一疊合模組,用以依據一預設條件疊合該印章圖像與該臉部圖像,以形成一疊合圖像;以及一處理模組,用以依據該些第一特徵與該些第二特徵在該疊合圖像中的分布位置進行一特徵分析編碼程序,以產生該第二特徵編碼資訊,其中,該特徵分析編碼程序包括:該處理模組依據一分割條件將該疊合圖像切割成多個區域圖像,並依據每一該區域圖像中具有的該第一特徵的數量與該第二特徵的數量進行編碼,以產生該第二特徵編碼資訊。 An online banking service system, including: a mobile terminal, including: an application program; A control module for outputting a control signal when the mobile terminal executes the application and receives an application service signal; an image shooting module connected to the control module for receiving the control signal Then, take a seal image and a face image; and a transmission module for transmitting the application service signal, user information of a user of the mobile terminal, the seal image and the face image; a feature encoding information A database for storing a first feature code information corresponding to each of the user information; an internet banking server connecting the mobile terminal and the feature code information database, which includes: a first transmission and reception module Group for receiving the application service signal, the user information, the seal image and the face image from the mobile terminal, transmitting the seal image and the face image to a feature encoding system, and receiving the feature code A second feature encoding information of the system; a verification module for finding the corresponding first feature encoding information in the feature encoding information database based on the user information from the mobile terminal, and comparing the first feature encoding information Encoding information and the second feature encoding information to output an approximation; and an execution module to execute a transaction instruction corresponding to the application of the business signal when the approximation exceeds a predicted value; and the feature encoding system , Connected to the internet banking server, which includes: A second transmission module for receiving the seal image and the face image from the online banking server, and transmitting the second feature encoding information to the online banking server; an image acquisition module, For acquiring a seal image in the seal image according to a first acquisition condition, and acquiring a face image in the face image according to a second acquisition condition, wherein the first acquisition condition is The outer frame of a seal is the boundary line for capturing the seal image. The second extraction condition is that a face contour is the boundary line for capturing the face image; a feature extraction module is used to Extracting a plurality of first features of the stamp image and extracting a plurality of second features of the face image; a superimposing module for superimposing the stamp image and the face according to a preset condition An image to form a superimposed image; and a processing module to perform a feature analysis coding process based on the distribution positions of the first features and the second features in the superimposed image to generate The second feature encoding information, wherein the feature analysis encoding process includes: the processing module cuts the superimposed image into a plurality of area images according to a segmentation condition, and according to the The number of the first feature and the number of the second feature are encoded to generate the second feature encoding information. 根據申請專利範圍第2項之網路銀行服務系統,其中,該網路銀行伺服器還包括一判斷模組,用以接收並依據光流演算法、基於人像的摩爾紋、成像畸形或者基於三維結構光成像原理判斷來自該網路銀行伺服器的該人臉影像是否符合一活體條件,當該判斷模組判斷該人臉影 像符合該活體條件時,該第一傳收模組才傳輸該印鑑影像與該人臉影像予該特徵編碼系統。 According to the internet banking service system of the second patent application, the internet banking server also includes a judgment module for receiving and based on optical flow algorithm, portrait-based moiré, imaging deformity or three-dimensional based The principle of structured light imaging judges whether the face image from the online banking server meets a living condition, and when the judgment module judges the face image When the image meets the condition of the living body, the first transmitting and receiving module transmits the seal image and the face image to the feature encoding system. 根據申請專利範圍第2項之網路銀行服務系統,其中,該特徵編碼資訊資料庫還儲存每一該使用者資訊所對應的一開戶章影像與一存戶影像,該驗證模組還用以依據來自該移動終端的該使用者資訊於該特徵編碼資訊資料庫找到對應的該開戶章影像與該存戶影像,並基於該開戶章影像驗證該印鑑影像,基於該存戶影像驗證該人臉影像,當該印鑑影像與該人臉影像驗證通過後,該第一傳收模組才傳輸該印鑑影像與該人臉影像予該特徵編碼系統。 According to the online banking service system of the second item of the patent application scope, wherein the feature code information database also stores an account opening image and a depositor image corresponding to each of the user information, the verification module is also used to The user information from the mobile terminal finds the corresponding account seal image and the depositor image in the feature encoding information database, and verifies the seal image based on the account seal image, and verifies the face image based on the depositor image. Only after the verification of the seal image and the face image is passed, the first transmitting and receiving module transmits the seal image and the face image to the feature encoding system. 根據申請專利範圍第2項之網路銀行服務系統,其中,該傳輸模組傳輸該申請業務信號予該網路銀行伺服器時,還傳輸該移動終端的一位置資訊,該驗證模組還用以驗證該位置資訊是否符合一限制條件,當該近似度超出該預計值且該位置資訊符合該限制條件時,該執行模組才執行對應該申請業務信號的該交易指令,其中,該限制條件為一存戶所設定之條件。 According to the internet banking service system of the second patent application, where the transmission module transmits the application service signal to the internet banking server, it also transmits a location information of the mobile terminal, and the verification module also uses To verify whether the location information meets a restriction condition, when the approximation exceeds the predicted value and the location information meets the restriction condition, the execution module executes the transaction instruction corresponding to the business signal, wherein the restriction condition Conditions set for a depositor. 根據申請專利範圍第2項之網路銀行服務系統,其中,該特徵擷取模組基於印文結構擷取該印章圖像之該些第一特徵。 According to the online banking service system of claim 2 of the patent application scope, wherein the feature extraction module extracts the first features of the seal image based on the seal structure. 一種特徵編碼方法,其步驟包括:接收一印鑑影像與一人臉影像;依據一第一擷取條件在該印鑑影像中獲取一印章圖像,其中,該第一擷取條件係為一印鑑的外框為擷取該印章圖像之邊界線;擷取該印章圖像之多個第一特徵; 依據一第二擷取條件在該人臉影像中獲取一臉部圖像,其中,該第二擷取條件係為一臉部輪廓為擷取該臉部圖像之邊界線;擷取該臉部圖像之多個第二特徵;依據一預設條件疊合該印章圖像與該臉部圖像,以形成一疊合圖像;以及依據該些第一特徵與該些第二特徵在該疊合圖像中的分布位置進行一特徵分析編碼程序,以產生該特徵編碼資訊,其中,該特徵分析編碼程序包括以下步驟:該處理模組可依據一分割條件將該疊合圖像切割成多個區域圖像,並依據每一該區域圖像中具有的該第一特徵的數量與該第二特徵的數量進行編碼,以產生該特徵編碼資訊。 A feature encoding method, the steps of which include: receiving a seal image and a face image; obtaining a seal image in the seal image according to a first extraction condition, wherein the first extraction condition is the exterior of a seal The frame is to capture the boundary line of the seal image; to capture multiple first features of the seal image; Acquiring a face image in the face image according to a second acquisition condition, where the second acquisition condition is a face contour being the boundary line for acquiring the face image; acquiring the face A plurality of second features of the partial image; superimposing the stamp image and the face image according to a predetermined condition to form a superimposed image; and based on the first features and the second features A feature analysis encoding process is performed on the distribution position in the superimposed image to generate the feature encoding information, wherein the feature analysis and encoding process includes the following steps: the processing module can cut the superimposed image according to a segmentation condition Into a plurality of area images, and encode according to the number of the first feature and the number of the second feature in each of the area images to generate the feature encoding information. 一種網路銀行服務方法,其步驟包括:提供一移動終端、一特徵編碼資訊資料庫、一網路銀行伺服器與一特徵編碼系統,其中,該移動終端包括一應用程式、一控制模組、一影像拍攝模組與一傳輸模組,該網路銀行伺服器包括一第一傳收模組、一驗證模組與一執行模組,該特徵編碼系統包括一第二傳收模組、一影像獲取模組、一特徵擷取模組、一疊合模組與一處理模組;該特徵編碼資訊資料庫儲存每一使用者資訊所對應的一第一特徵編碼資訊;當該移動終端執行該應用程式且接收一申請業務信號時,該控制模組輸出一控制信號; 該影像拍攝模組接收該控制信號後,拍攝一印鑑影像與一人臉影像;該傳輸模組傳輸該申請業務信號、該移動終端的使用者之該使用者資訊、該印鑑影像與該人臉影像;該第一傳收模組接收來自該移動終端的該申請業務信號、該使用者資訊、該印鑑影像與該人臉影像,並傳輸該印鑑影像與該人臉影像予該第二傳收模組;該第二傳收模組接收來自該網路銀行伺服器的該印鑑影像與該人臉影像後,該影像獲取模組依據一第一擷取條件在該印鑑影像中獲取一印章圖像,以及依據一第二擷取條件在該人臉影像中獲取一臉部圖像,其中,該第一擷取條件係為一印鑑的外框為擷取該印章圖像之邊界線,該第二擷取條件係為一臉部輪廓為擷取該臉部圖像之邊界線;該特徵擷取模組擷取該印章圖像之多個第一特徵與擷取該臉部圖像之多個第二特徵;該疊合模組依據一預設條件疊合該印章圖像與該臉部圖像,以形成一疊合圖像;該處理模組依據該些第一特徵與該些第二特徵在該疊合圖像中的分布位置進行一特徵分析編碼程序,以產生該第二特徵編碼資訊,其中,該特徵分析編碼程序包括:該處理模組依據一分割條件將該疊合圖像切割成多個區域圖像,並依據每一該區域圖像中具有 的該第一特徵的數量與該第二特徵的數量進行編碼,以產生該第二特徵編碼資訊;該第二傳收模組傳輸該第二特徵編碼資訊;該第一傳收模組接收該第二特徵編碼資訊後,該驗證模組依據來自該移動終端的該使用者資訊於該特徵編碼資訊資料庫找到對應的該第一特徵編碼資訊,並比對該第一特徵編碼資訊與該第二特徵編碼資訊,以輸出一近似度;以及當該近似度超出一預計值時,該執行模組執行對應該申請業務信號的一交易指令。An internet banking service method, the steps of which include: providing a mobile terminal, a feature encoding information database, an internet banking server and a feature encoding system, wherein the mobile terminal includes an application program, a control module, An image shooting module and a transmission module. The Internet banking server includes a first transmission and reception module, a verification module and an execution module. The feature encoding system includes a second transmission and reception module and a Image acquisition module, a feature extraction module, a superposition module and a processing module; the feature code information database stores a first feature code information corresponding to each user information; when the mobile terminal is executed When the application program receives an application service signal, the control module outputs a control signal; After receiving the control signal, the image shooting module shoots a seal image and a face image; the transmission module transmits the application service signal, the user information of the user of the mobile terminal, the seal image and the face image The first transmission and reception module receives the application service signal from the mobile terminal, the user information, the seal image and the face image, and transmits the seal image and the face image to the second transfer module After the second transmission module receives the seal image and the face image from the online banking server, the image acquisition module acquires a seal image in the seal image according to a first acquisition condition , And acquiring a facial image in the face image according to a second capturing condition, wherein the first capturing condition is that the outer frame of a seal is the boundary line for capturing the seal image, the first The second extraction condition is that a face contour is a boundary line for capturing the face image; the feature extraction module captures a plurality of first features of the seal image and as many as the face image A second feature; the superimposing module superimposes the stamp image and the face image according to a preset condition to form a superimposed image; the processing module is based on the first features and the first A feature analysis encoding process is performed on the distribution positions of the two features in the superimposed image to generate the second feature encoding information, wherein the feature analysis and encoding process includes: the processing module converts the superimposed image according to a segmentation condition The image is cut into multiple area images, and each area image has The number of the first feature and the number of the second feature are encoded to generate the second feature encoding information; the second transceiver module transmits the second feature encoding information; the first transceiver module receives the After the second feature encoding information, the verification module finds the corresponding first feature encoding information in the feature encoding information database according to the user information from the mobile terminal, and compares the first feature encoding information with the first feature encoding information Two features encode information to output an approximation; and when the approximation exceeds a predicted value, the execution module executes a transaction instruction corresponding to the application business signal.
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