TWI820432B - Auxiliary guarantee system and method thereof - Google Patents

Auxiliary guarantee system and method thereof Download PDF

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TWI820432B
TWI820432B TW110121378A TW110121378A TWI820432B TW I820432 B TWI820432 B TW I820432B TW 110121378 A TW110121378 A TW 110121378A TW 110121378 A TW110121378 A TW 110121378A TW I820432 B TWI820432 B TW I820432B
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terminal device
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TW202248933A (en
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沈威光
歐陽惠怡
錢珮瑩
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中國信託商業銀行股份有限公司
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    • G06Q20/4014—Identity check for transactions
    • G06Q20/40145—Biometric identity checks
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
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Abstract

一種輔助對保系統，適於與一客戶端終端裝置及一銀行端終端裝置互相通訊，該輔助對保系統包含一通訊模組、一儲存模組、一視訊模組、一辨識模組及一人臉影像擷取模組。該辨識模組透過該通訊模組傳送一上傳身分證件請求給該客戶端終端裝置且收到回傳的一身分證件影像資料後令該客戶端終端裝置與該銀行端終端裝置透過該視訊模組進行視訊。該人臉影像擷取模組擷取視訊中的一人臉影像後傳送給該辨識模組，該辨識模組辨識該身分證件影像資料與該儲存模組儲存的一最新身分證件影像資料相符且辨識該人臉影像與該最新身分證件影像資料中的人臉影像相符時，令該視訊持續進行。 An auxiliary security system suitable for communicating with a client terminal device and a bank terminal device. The auxiliary security system includes a communication module, a storage module, a video module, an identification module and a person Face image capture module. The identification module sends an identity document upload request to the client terminal device through the communication module and receives the returned identity document image data, causing the client terminal device and the bank terminal device to communicate with each other through the video module. Make a video call. The face image capture module captures a face image in the video and sends it to the recognition module. The recognition module recognizes that the identity document image data is consistent with a latest identity document image data stored in the storage module and recognizes it. When the face image matches the face image in the latest identity document image data, the video will be continued.

Description

輔助對保系統及其方法 Auxiliary guarantee system and method thereof

本發明是有關於一種對保的方法，特別是指一種能輔助對保人員辨識客戶身分資料以進行對保的輔助對保方法。 The present invention relates to a method of insurance, and in particular, to an auxiliary insurance method that can assist the insurance personnel to identify the customer's identity information to perform insurance.

「對保」是指銀行確認借款人或保證人本人簽訂借款或保證契約的程序，目前銀行的業務在需要對保時多以行員與客戶面對面進行，但客戶會跨國流動，可能未必在銀行有據點的國家，或者因為傳染病、戰爭等問題造成銀行人員無法前往客戶所在的國家，使得對保無法進行，進而無法提供客戶相關的業務(例如信用貸款、房屋土地貸款或汽機車貸款等)服務。 "Guarantee" refers to the process by which banks confirm that the borrower or guarantor has signed a loan or guarantee contract. Currently, when bank business requires guarantees, bank staff are mostly conducted face-to-face with customers. However, customers move across borders and may not necessarily have a base in the bank. country, or bank personnel are unable to travel to the country where the customer is located due to infectious diseases, wars, etc., making it impossible to provide insurance, and thus unable to provide customer-related business (such as credit loans, housing and land loans, or automobile and motorcycle loans, etc.) services.

所幸，隨著科技的演進，人們可以透過視訊軟體達到近似真正面對面的情況，但是，若要採用視訊對保，銀行對保人員只能根據自身眼睛判斷與其視訊的人是否為本人，無法避免銀行對保人員因疲勞或其它困素(例如影像畫質不佳)造成誤判導致他人冒用身分的情形。 Fortunately, with the evolution of technology, people can achieve a nearly real face-to-face situation through video software. However, if video insurance is used, bank insurance personnel can only use their own eyes to judge whether the person they are video chatting with is the person they are talking to, and the bank cannot avoid Cover the situation where security personnel misjudge due to fatigue or other difficulties (such as poor image quality), causing others to impersonate their identities.

因此，本發明之目的，即在提供一種能輔助對保人員辨識客戶身分資料的輔助對保系統及其方法。 Therefore, the purpose of the present invention is to provide an auxiliary insurance system and method that can assist insurance personnel in identifying customer identity information.

於是，本發明視訊對保系統，由一銀行端提供，且適於與一使用者的一客戶端終端裝置及該銀行端的一業務人員使用的一銀行端終端裝置互相通訊，該輔助對保系統包含一通訊模組、一儲存模組、一視訊模組、一辨識模組及一人臉影像擷取模組。該通訊模組與該客戶端終端裝置及該銀行端終端裝置透過網路連線，以接收該客戶端終端裝置傳來的一視訊對保請求，該視訊對保請求包含一待驗證客戶資料；該儲存模組預存有該使用者的一客戶資料及與該客戶資料相關的一最新身分證件影像資料；該辨識模組與該通訊模組及該儲存模組電連接，且判斷該通訊模組傳來的該視訊對保請求包含的該待驗證客戶資料與該儲存模組儲存的該客戶資料相符時，該辨識模組透過該通訊模組傳送一上傳身分證件請求給該客戶端終端裝置；且該辨識模組收到該客戶端終端裝置透過該通訊模組傳來的一身分證件影像資料後，該辨識模組令該客戶端終端裝置與該銀行端終端裝置透過該視訊模組開始進行視訊，以使該使用者及該業務人員出現在顯示於該客戶端終端裝置與該銀行端終端裝置的一視訊畫面中；及該一人臉影像擷取模組與該辨識模組電連接且擷取出現在該視訊畫面中之該客戶端終端裝置的該使用者的一人臉影像，並傳送該人臉影像給該辨識模組；該辨識模組辨識該身分證件影像 資料與該儲存模組儲存的該最新身分證件影像資料相符且辨識該人臉影像與該最新身分證件影像資料中的人臉影像相符時，令該視訊模組持續讓該銀行端終端裝置與該客戶端終端裝置進行視訊。 Therefore, the video guarantee system of the present invention is provided by a bank, and is suitable for communicating with a client terminal device of a user and a bank terminal device used by a businessperson of the bank. The auxiliary guarantee system It includes a communication module, a storage module, a video module, a recognition module and a face image capture module. The communication module is connected to the client terminal device and the bank terminal device through the network to receive a video verification request from the client terminal device. The video verification request includes customer information to be verified; The storage module pre-stores a customer information of the user and a latest identity document image data related to the customer information; the identification module is electrically connected to the communication module and the storage module, and determines the communication module When the customer information to be verified included in the video verification request matches the customer information stored in the storage module, the identification module sends an identity document upload request to the client terminal device through the communication module; And after the recognition module receives an identity document image data transmitted from the client terminal device through the communication module, the recognition module causes the client terminal device and the bank terminal device to start communication through the video module Video, so that the user and the business staff appear in a video screen displayed on the client terminal device and the bank terminal device; and the face image capture module is electrically connected to the recognition module and captures Obtain a face image of the user of the client terminal device appearing in the video screen, and send the face image to the recognition module; the recognition module recognizes the identity document image When the data is consistent with the latest identity document image data stored in the storage module and the face image is recognized to be consistent with the face image in the latest identity document image data, the video module is caused to continue to allow the bank terminal device to communicate with the The client terminal device performs video conferencing.

在本發明的一些實施態樣中，該儲存模組還預存有一預計視訊時間，且該辨識模組判斷收到的該視訊對保請求中的該待驗證客戶資料與該儲存模組儲存的該客戶資料相符，並判斷接收到該視訊對保請求的時間與該預計視訊時間相符時，才傳送該上傳身分證件請求給該客戶端終端裝置。 In some implementations of the present invention, the storage module also pre-stores an estimated video time, and the identification module determines that the customer information to be verified in the video verification request received is consistent with the customer information stored in the storage module. The client information matches, and it is determined that the time when the video verification request is received is consistent with the expected video time, and then the identity document upload request is sent to the client terminal device.

在本發明上述的實施態樣中，該辨識模組判斷該待驗證客戶資料與該客戶資料不相符或接收到該視訊對保請求的時間與該預計視訊時間不相符，該辨識模組透過該通訊模組回傳一拒絕視訊對保通知給該客戶端終端裝置。 In the above-mentioned implementation of the present invention, the identification module determines that the customer information to be verified does not match the customer information or the time when the video verification request is received does not match the expected video time. The communication module returns a video communication rejection notification to the client terminal device.

在本發明的一些實施態樣中，該辨識模組是根據該身分證件影像資料產生一證件文字資料，並判斷該證件文字資料是否與該最新身分證件影像資料中的文字資料相符。 In some implementations of the present invention, the recognition module generates document text data based on the identity document image data, and determines whether the document text data matches the text data in the latest identity document image data.

在本發明上述的實施態樣中還適於與一身分證查驗系統互相通訊，且該辨識模組還透過該通訊模組將包含該證件文字資料的一身分證新舊查核請求傳送給該身分證查驗系統；該身分證查驗系統根據該身分證新舊查核請求回傳一查驗結果給該通訊模組，該查驗結果指示該證件文字資料是否與該 身分證查驗系統所儲存的該最新身分證件影像資料的文字資料相符。 In the above-mentioned implementation mode of the present invention, it is also suitable for communicating with an ID card verification system, and the identification module also transmits an ID card old and new verification request containing the text data of the ID card to the identity through the communication module. The identity card verification system; the identity card verification system returns a verification result to the communication module based on the identity card old and new verification request. The verification result indicates whether the document text data is consistent with the identity card. The text data of the latest identity document image data stored in the ID card verification system matches.

在本發明的一些實施態樣中，該視訊模組會紀錄整個視訊過程影像而產生一影像紀錄資料並儲存於該儲存模組；在本發明上述的實施態樣中，還包含一文件檢核模組，該銀行端收到該客戶端終端裝置的該使用者的一對保文件資料後，該文件檢核模組能檢核該對保文件資料的內容是否被竄改以及檢核該對保文件資料的頁碼是否連號無漏頁。 In some implementation aspects of the present invention, the video module records the entire video process image to generate an image record data and stores it in the storage module; in the above-mentioned implementation aspects of the present invention, a file check is also included Module, after the bank receives the guarantee document data of the user of the client terminal device, the file checking module can check whether the content of the guarantee document data has been tampered with and check whether the guarantee document data has been tampered with. Whether the page numbers of the document are consecutive and there are no missing pages.

在本發明上述的實施態樣中，在該客戶端終端裝置傳送該視訊對保請求前，該辨識模組會透過該通訊模組收到該銀行端終端裝置傳來的一預約視訊對保請求，該預約視訊對保請求包含該客戶端終端裝置的該使用者的該客戶資料、該客戶資料相關的該最新身分證件影像資料、及一預約視訊時間；且該辨識模組將該客戶資料及該最新身分證件影像資料儲存於該儲存模組，並將該預約視訊時間作為該預計視訊時間儲存於該儲存模組。 In the above-mentioned implementation of the present invention, before the client terminal device transmits the video verification request, the identification module will receive a reservation video verification request from the bank terminal device through the communication module. , the reservation video security request includes the customer information of the user of the client terminal device, the latest identity document image data related to the customer information, and a video reservation time; and the identification module combines the customer information and The latest identity document image data is stored in the storage module, and the scheduled video time is stored in the storage module as the estimated video time.

在本發明的一些實施態樣中，該通訊模組還適於與該銀行端的一客服人員使用的一客服端終端裝置通訊，且該辨識模組允許該客服端終端裝置藉由該視訊模組與該銀行端終端裝置及該客戶端終端裝置進行視訊，並透過該通訊模組傳送一人臉影像擷取請求給該人臉影像擷取模組，使該人臉影像擷取模組根據該人臉影 像擷取請求擷取出現在該視訊畫面中之該客戶端終端裝置的該使用者的該人臉影像並透過該通訊模組傳送給該辨識模組。 In some implementations of the present invention, the communication module is also suitable for communicating with a customer service terminal device used by a customer service staff of the bank, and the identification module allows the customer service terminal device to use the video module Conduct video communication with the bank terminal device and the client terminal device, and send a face image capture request to the face image capture module through the communication module, so that the face image capture module can capture the face image based on the person. face shadow The image capture request captures the face image of the user of the client terminal device appearing in the video screen and sends it to the recognition module through the communication module.

此外，本發明一種視訊對保方法，包含：一使用者的一客戶端終端裝置傳送一視訊對保請求給一銀行端提供的一輔助對保系統，該視訊對保請求包含一待驗證客戶資料；該輔助對保系統判斷收到的該視訊對保請求中的該待驗證客戶資料與其中預存的該使用者的一客戶資料相符時，該輔助對保系統傳送一上傳身分證件請求給該客戶端終端裝置；該客戶端終端裝置回應該上傳身分證件請求並回傳一身分證件影像資料給該輔助對保系統；該輔助對保系統在接收到該身分證件影像資料後，使該客戶端終端裝置透過該輔助對保系統的一視訊模組與該銀行端的一銀行端終端裝置開始進行視訊；該輔助對保系統透過其中的一辨識模組辨識該身分證件影像資料與預存的該使用者的一最新身分證件影像資料相符，且透過其中的一人臉影像擷取模組擷取該客戶端終端裝置之顯示在視訊中的一人臉影像，並透過該辨識模組辨識該人臉影像與該最新身分證件影像資料中的人臉影像相符後，該視訊模組令該銀行端終端裝置與該客戶端終端裝置持續進行視訊。 In addition, the present invention provides a video verification method, which includes: a user's client terminal device transmits a video verification request to an auxiliary verification system provided by a bank, and the video verification request includes customer information to be verified. ; When the auxiliary security system determines that the customer information to be verified in the video security request received matches a customer information of the user pre-stored in the video security request, the auxiliary security system sends a request to upload an identity document to the customer. The client terminal device; the client terminal device responds to the request for uploading the identity document and returns an identity document image data to the auxiliary security system; after receiving the identity document image data, the auxiliary security system causes the client terminal The device starts video communication with a bank terminal device of the bank through a video module of the auxiliary security system; the auxiliary security system identifies the identity document image data and the pre-stored user's identity card through a recognition module. The image data of a latest identity document matches, and a face image displayed in the video of the client terminal device is captured through a face image capture module, and the face image is identified by the recognition module to match the latest identity document image data. After the face image in the identity document image data matches, the video module allows the bank terminal device and the client terminal device to continue video chatting.

本發明之功效在於：藉由該辨識模組判斷來自該客戶端終端裝置的該待驗證客戶資料與其預存的該客戶資料相符後，才傳送該上傳身分證件請求給該客戶端終端裝置，具有阻擋非預約使用者的功效，並在接收到該客戶端終端裝置上傳的該身分證件影像資料後，令該客戶端終端裝置與該銀行端終端裝置透過該視訊模組開始進行視訊，並在視訊期間透過該人臉影像擷取模組擷取該使用者的該人臉影像後，辨識該身分證件影像資料與該儲存模組儲存的該最新身分證件影像資料相符且辨識該人臉影像與該最新身分證件影像資料中的人臉影像相符時，令該視訊模組持續讓該銀行端終端裝置與該客戶端終端裝置進行視訊，並產生比對結果後透過該通訊模組傳送給該銀行端終端裝置該業務人員，以此，該業務人員能參考該比對結果確認該使用者是否為本人且提供的證件是否為最新的證件，減少該業務人員因疲勞或其它困素(例如影像畫質不佳)造成誤判導致他人冒用身分的情形。 The effect of the present invention is to use the identification module to determine that the customer information to be verified from the client terminal device is consistent with the pre-stored customer information before sending the upload identity document request to the client terminal device. The function of non-reservation users, and after receiving the identity document image data uploaded by the client terminal device, causes the client terminal device and the bank terminal device to start a video call through the video module, and during the video call After capturing the face image of the user through the face image capture module, identify that the identity document image data is consistent with the latest identity document image data stored by the storage module and identify that the face image is consistent with the latest identity document image data. When the face image in the identity document image data matches, the video module is caused to continue video communication between the bank terminal device and the client terminal device, and a comparison result is generated and sent to the bank terminal through the communication module. Install the salesperson, so that the salesperson can refer to the comparison result to confirm whether the user is himself and whether the certificate provided is the latest certificate, thereby reducing the problem of fatigue or other difficulties (such as poor image quality) for the salesperson. Good) causing misjudgment and causing others to impersonate their identities.

1:通訊模組 1: Communication module

2:儲存模組 2:Storage module

3:辨識模組 3:Identification module

4:視訊模組 4: Video module

5:人臉影像擷取模組 5: Face image capture module

6:文件檢核模組 6: Document checking module

100:輔助對保系統 100: Auxiliary protection system

200:客戶端終端裝置 200: Client terminal device

300:銀行端終端裝置 300: Bank terminal device

400:客服端終端裝置 400:Customer service terminal device

500:身分證查驗系統 500: ID card verification system

S01~S11:步驟 S01~S11: steps

S301~S302:步驟 S301~S302: steps

S401~S402:步驟 S401~S402: steps

本發明之其他的特徵及功效，將於參照圖式的實施方式中清楚地呈現，其中：圖1顯示本發明輔助對保系統的一實施例的一硬體關係示意圖；圖2A~2B是本發明輔助對保方法的一實施例輔助進行對保作 業的一流程圖；圖3是圖2的該實施例的一預約視訊對保程序的一流程圖；圖4是圖2的該實施例的一文件檢核程序的一流程圖；及圖5是圖2的該實施例的一客戶端終端裝置顯示介面的一示意圖。 Other features and effects of the present invention will be clearly presented in the embodiments with reference to the drawings, in which: Figure 1 shows a hardware relationship schematic diagram of an embodiment of the auxiliary security system of the present invention; Figures 2A~2B are schematic diagrams of the hardware relationship of the present invention; An embodiment of the invented auxiliary safeguard method assists in safeguard operations A flow chart of the operation; Figure 3 is a flow chart of a scheduled video verification process of the embodiment of Figure 2; Figure 4 is a flow chart of a document verification process of the embodiment of Figure 2; and Figure 5 This is a schematic diagram of a display interface of a client terminal device in the embodiment of FIG. 2 .

在本發明被詳細描述之前應當注意：本專利說明書中所述的「電連接」是泛指多個電子設備/裝置/元件之間透過導電材料相連接而達成的有線電連接及/或透過無線通訊技術進行無線信號傳輸的無線電連接。並且，本專利說明書中所述的「電連接」亦泛指兩個電子設備/裝置/元件之間直接相連而形成的「直接電連接」及/或兩個電子設備/裝置/元件之間還透過其他電子設備/裝置/元件相連而形成的「間接電連接」。 Before the present invention is described in detail, it should be noted that the "electrical connection" described in this patent specification generally refers to wired electrical connections and/or wireless connections between multiple electronic devices/devices/components through conductive materials. Communication technology radio connections for wireless signal transmission. Moreover, the "electrical connection" mentioned in this patent specification also generally refers to the "direct electrical connection" formed by the direct connection between two electronic devices/devices/components and/or the other two electronic devices/devices/components. "Indirect electrical connection" formed by connecting to other electronic equipment/devices/components.

參閱圖1所示，是本發明輔助對保系統100的一實施例的一硬體關係示意圖，本實施例的輔助對保系統100由一銀行端提供，且適於與一使用者的一客戶端終端裝置200、該銀行端的一業務人員使用的一銀行端終端裝置300、該銀行端的一客服人員使用的一客服端終端裝置400及一金融聯合徵信中心(JCIC)提供的一身分證查驗系統500互相通訊，在本實施例中，該輔助對保系統100 可以是一伺服器，該身分證查驗系統500舉例為「Z21國民身分證領補換資料查詢驗證系統」，該客戶端終端裝置200及該銀行端終端裝置300舉例為智慧型手機，該客服端終端裝置400舉例為個人電腦，但不以此為限制。 Refer to Figure 1, which is a schematic diagram of the hardware relationship of an embodiment of the auxiliary guarantee system 100 of the present invention. The auxiliary guarantee system 100 of this embodiment is provided by a bank and is suitable for communicating with a customer of a user. Terminal device 200, a bank terminal device 300 used by a business staff of the bank, a customer service terminal device 400 used by a customer service staff of the bank, and an ID card verification provided by a joint financial credit center (JCIC) The systems 500 communicate with each other. In this embodiment, the auxiliary security system 100 It can be a server. The ID card verification system 500 is, for example, "Z21 National Identity Card Replacement Data Inquiry and Verification System." The client terminal device 200 and the bank terminal device 300 are, for example, smart phones. The client server The terminal device 400 is a personal computer, for example, but is not limited thereto.

在本實施例中，該輔助對保系統100包含一與該客戶端終端裝置200及該銀行端終端裝置300透過網路連線以接收或傳送資料給該客戶端終端裝置200及該銀行端終端裝置300的通訊模組1、一預存有一客戶資料、一與該客戶資料相關的最新身分證件影像資料及一預計視訊時間的儲存模組2、一用以辨識文字和/或圖像的辨識模組3、一視訊模組4、一用以擷取人臉影像的人臉影像擷取模組5及一用以檢核文件是否漏頁或遭到竄改的文件檢核模組6。 In this embodiment, the auxiliary guarantee system 100 includes a computer connected to the client terminal device 200 and the bank terminal device 300 through the network to receive or transmit data to the client terminal device 200 and the bank terminal. The communication module 1 of the device 300 has a storage module 2 that pre-stores a customer information, a latest identity document image data related to the customer information and an estimated video time, and a recognition module for recognizing text and/or images. Group 3, a video module 4, a face image capturing module 5 for capturing face images, and a document checking module 6 for checking whether the document has missing pages or has been tampered with.

續參閱圖2A與圖2B，是本發明輔助對保方法的一實施例的流程圖，其藉由上述的該輔助對保系統100進行輔助對保以完成視訊對保作業。因此，當該銀行端需要與其客戶(例如上述該使用者)進行視訊對保時，如圖2A步驟S01，首先，該輔助對保系統100的該通訊模組1會接收到該客戶端終端裝置200傳送的一視訊對保請求，該視訊對保請求包含一待驗證客戶資料。在本實施例中，可參閱圖5，該待驗證客戶資料包含例如公司統編、個人身分證字號、姓名及一次性驗證密碼(OTP)，但不以此為限制，在本實施例中，該一次性驗證密碼是由該銀行端發送給該客戶端終端裝置 200，用以確認該客戶端終端裝置200確實是要參與視訊對保的終端裝置。 Continuing to refer to FIG. 2A and FIG. 2B , which is a flow chart of an embodiment of the auxiliary security method of the present invention, which uses the above-mentioned auxiliary security system 100 to perform auxiliary security to complete the video security operation. Therefore, when the bank needs to conduct video verification with its customer (such as the above-mentioned user), as shown in step S01 in Figure 2A, first, the communication module 1 of the auxiliary verification system 100 will receive the client terminal device 200 sends a video verification request, and the video verification request includes customer information to be verified. In this embodiment, please refer to Figure 5. The customer information to be verified includes, for example, company director, personal ID card number, name and one-time verification password (OTP), but this is not a limitation. In this embodiment, The one-time verification password is sent by the bank to the client terminal device 200 is used to confirm that the client terminal device 200 is indeed a terminal device that wants to participate in video security.

然後，如圖2A步驟S02，該輔助對保系統100的該辨識模組3判斷收到的該視訊對保請求中的該待驗證客戶資料與該儲存模組儲存2的該客戶資料是否相符，並判斷接收到該視訊對保請求的時間與該儲存模組儲存2的預計視訊時間是否相符，若兩者皆是，則接著進行步驟S04，若其中一者為否，如圖2A的步驟S03，該輔助對保系統100的該辨識模組3透過該通訊模組1回傳一拒絕視訊對保通知給該客戶端終端裝置200並結束流程。 Then, as shown in step S02 in Figure 2A, the identification module 3 of the auxiliary verification system 100 determines whether the customer information to be verified in the received video verification request matches the customer information stored in the storage module 2, And determine whether the time when the video protection request is received is consistent with the expected video time stored in the storage module 2. If both are yes, then proceed to step S04. If one of them is no, see step S03 in Figure 2A. , the identification module 3 of the auxiliary security system 100 returns a video security rejection notification to the client terminal device 200 through the communication module 1 and ends the process.

接著，如圖2A步驟S04所示，該輔助對保系統100的該辨識模組3透過該通訊模組1傳送一上傳身分證件請求給該客戶端終端裝置200，然後，如圖2A步驟S05，該辨識模組3收到該客戶端終端裝置200透過該通訊模組1傳來的一身分證件影像資料，接著，如圖2A步驟S06，該辨識模組3令該客戶端終端裝置200與該銀行端終端裝置300透過該視訊模組4開始進行視訊，以使該使用者及該業務人員出現在顯示於該客戶端終端裝置200與該銀行端終端裝置300的一視訊畫面中，然後，如圖2B步驟S07，該人臉影像擷取模組5擷取出現在該視訊畫面中之該客戶端終端裝置200的該使用者的一人臉影像，並傳送該人臉影像給該辨識模組3；該辨識模組3辨識該身分證件影像資料與該儲存模組2儲存的該最新身分證件影 像資料是否相符且辨識該人臉影像與該最新身分證件影像資料中的人臉影像是否相符，若兩者皆相符，該辨識模組3令該視訊模組4持續讓該銀行端終端裝置300與該客戶端終端裝置200進行視訊，並在圖2B步驟S08中產生指示出證件比對通過及人臉辨識通過的一比對結果並透過該通訊模組1傳送該比對結果給該銀行端終端裝置300，於此同時，該辨識模組3透過該通訊模組1將包含該證件文字資料的一身分證新舊查核請求傳送給該身分證查驗系統。 Then, as shown in step S04 of FIG. 2A , the identification module 3 of the auxiliary security system 100 sends an identity document upload request to the client terminal device 200 through the communication module 1 . Then, as shown in step S05 of FIG. 2A , The identification module 3 receives an identity document image data transmitted from the client terminal device 200 through the communication module 1. Then, as shown in step S06 in Figure 2A, the identification module 3 enables the client terminal device 200 to communicate with the client terminal device 200. The bank terminal device 300 starts video communication through the video module 4, so that the user and the business staff appear in a video screen displayed on the client terminal device 200 and the bank terminal device 300, and then, as In step S07 of Figure 2B, the face image capture module 5 captures a face image of the user of the client terminal device 200 appearing in the video screen, and sends the face image to the recognition module 3; The identification module 3 identifies the identity document image data and the latest identity document image stored by the storage module 2 Whether the image data matches and identifies whether the face image matches the face image in the latest identity document image data. If both match, the recognition module 3 causes the video module 4 to continue to enable the bank terminal device 300 Conduct a video call with the client terminal device 200, and generate a comparison result indicating that the document comparison and facial recognition pass are passed in step S08 of FIG. 2B, and send the comparison result to the bank through the communication module 1. In the terminal device 300, at the same time, the identification module 3 sends an ID card old and new check request containing the text data of the ID to the ID card verification system through the communication module 1.

補充說明的是，在圖2B步驟S07中，該辨識模組3是根據該身分證件影像資料產生一證件文字資料，並根據該證件文字資料是否與該最新身分證件影像資料中的文字資料相符來判斷該身分證件影像資料與該儲存模組2儲存的該最新身分證件影像資料是否相符的。 It should be added that in step S07 in Figure 2B, the recognition module 3 generates a document text data based on the identity document image data, and determines whether the document text data matches the text data in the latest identity document image data. Determine whether the identity document image data is consistent with the latest identity document image data stored in the storage module 2.

然後，如圖2B步驟S09，該身分證查驗系統根據步驟S07的該身分證新舊查核請求回傳一查驗結果給該通訊模組1，該查驗結果指示該證件文字資料是否與該身分證查驗系統所儲存的該最新身分證件影像資料的文字資料相符，接著，如圖2B步驟S10，該辨識模組3透過該通訊模組1將該查驗結果傳送給該銀行端終端裝置300。 Then, as shown in step S09 in Figure 2B, the ID card verification system returns a verification result to the communication module 1 according to the new and old identity card verification request in step S07. The verification result indicates whether the document text data is consistent with the identity card verification. The text data of the latest identity document image data stored in the system matches. Then, as shown in step S10 in Figure 2B, the identification module 3 transmits the verification result to the bank terminal device 300 through the communication module 1.

而且，在執行步驟S06~S10期間，該視訊模組4會同步紀錄整個視訊過程影像而在視訊結束時，如圖2B步驟S11，產生一 影像紀錄資料並儲存於該儲存模組2。特別需要說明的是，在對保前，銀行端會先將紙本的對保文件寄發給該客戶端終端裝置200的該使用者，該影像紀錄資料紀錄該使用者親簽對保文件的影像，且紀錄該業務人員與該使用者對保期間的談話內容，以確認為客戶本人，非預錄影片。 Moreover, during the execution of steps S06 to S10, the video module 4 will simultaneously record the entire video process image and when the video ends, as shown in step S11 in Figure 2B, a The image recording data is stored in the storage module 2. It should be noted that before the guarantee, the bank will first send the paper guarantee document to the user of the client terminal device 200, and the image record data records the signature of the user on the guarantee document. Video, and record the conversation between the salesperson and the user during the warranty period to confirm that it is the customer himself, and it is not a pre-recorded video.

補充說明的是，在本實施例中，該辨識模組3允許該客服端終端裝置400藉由該視訊模組4與該銀行端終端裝置300及該客戶端終端裝置200進行視訊，並透過該通訊模組1傳送一人臉影像擷取請求給該人臉影像擷取模組5，使該人臉影像擷取模組5根據該人臉影像擷取請求擷取出現在該視訊畫面中之該客戶端終端裝置200的該使用者的該人臉影像並透過該通訊模組1傳送給該辨識模組3，但不以此為限制。 It should be added that in this embodiment, the identification module 3 allows the customer service terminal device 400 to conduct video calls with the bank terminal device 300 and the client terminal device 200 through the video module 4, and through the The communication module 1 sends a face image capture request to the face image capture module 5, so that the face image capture module 5 captures the customer appearing in the video screen according to the face image capture request. The face image of the user in the terminal device 200 is transmitted to the recognition module 3 through the communication module 1, but this is not a limitation.

請參閱圖3，本實施例輔助對保系統還包含一預約視訊對保的程序，在圖2A步驟S01該客戶端終端裝置200傳送該視訊對保請求前，如圖3步驟S301，該辨識模組3會透過該通訊模組1收到該銀行端終端裝置300傳來的一預約視訊對保請求，該預約視訊對保請求包含該客戶端終端裝置200的該使用者的該客戶資料、該客戶資料相關的該最新身分證件影像資料及一預約視訊時間，接著，如圖3步驟S302，該辨識模組3將該客戶資料及該最新身分證件影像資料儲存於該儲存模組2，並將該預約視訊時間 作為該預計視訊時間儲存於該儲存模組2。補充說明的是，該使用者透過如傳真、電子郵件、信件或面交等方式將該使用者的身分證件影像資料及該客戶資料給予該業務人員，並與該業務人員敲定該預約視訊時間，在該業務人員接收到該使用者的身分證件影像資料後，會將該身分證件影像資料紀載的該身分證號、領補換代碼、領補換日期、出生年月日、領補換地點等資料拋查「Z21國民身分證領補換資料查詢驗證系統」，並在確認該使用者的身分證件影像資料為最新的資料後，將該使用者的身分證件影像資料作為該最新身分證件影像資料，若否，則請該使用者再次提供身分證件影像資料。 Please refer to Figure 3. The auxiliary security system of this embodiment also includes a program for reserving video security. Before the client terminal device 200 transmits the video security request in step S01 of Figure 2A, as shown in step S301 of Figure 3, the recognition model Group 3 will receive a reservation video guarantee request from the bank terminal device 300 through the communication module 1. The reservation video guarantee request includes the customer information of the user of the client terminal device 200, the The latest identity document image data related to the customer information and a scheduled video time. Then, as shown in step S302 in Figure 3, the identification module 3 stores the customer information and the latest identity document image data in the storage module 2, and The scheduled video time The estimated video time is stored in the storage module 2 . It should be added that the user gives the user's identity document image data and the customer information to the business staff through fax, email, letter or face-to-face, and finalizes the video appointment time with the business staff, After the business staff receives the user's identity card image data, the identity card image data will record the ID number, replacement code, date of replacement, date of birth, and place of replacement. Wait for the data to be checked in the "Z21 National Identity Card Replacement Data Inquiry and Verification System", and after confirming that the user's identity document image data is the latest data, the user's identity document image data will be used as the latest identity document image. information, if not, the user is asked to provide the identity document image information again.

請參閱圖4，本實施例輔助對保系統還包含一文件檢核的程序，在如圖2A~2B步驟S01~S11後，如圖4步驟S401，該銀行端收到該客戶端終端裝置200的該使用者的一對保文件資料後，如圖4步驟S402，該文件檢核模組6能檢核該對保文件資料的內容是否被竄改以及檢核該對保文件資料的頁碼是否連號無漏頁。具體而言，在本實施例中，該文件檢核模組6透過比對與預先寄送給該使用者的文件資料相同的副本和該使用者親簽文件資料後的對保文件資料來判斷該對保文件資料的內容是否被竄改或漏頁，此外，在本實施例中，該對保文件資料還具有一個一維條碼，該文件檢核模組6可藉由掃描該一維條碼判斷該對保文件資料的內容及其對應申請對保的使用者避免與錯誤的對保文件比對造成誤判，但不以此為 限制，此外，在本實施例中，整份文件還具有特殊的打孔，例如孔洞形狀為CTBC的特殊形狀孔洞避免文件遭到抽換。 Please refer to Figure 4. The auxiliary guarantee system of this embodiment also includes a document checking program. After steps S01 to S11 in Figures 2A to 2B, and in Step S401 in Figure 4, the bank receives the client terminal device 200 After a pair of the user's protected file data is obtained, as shown in step S402 in Figure 4, the file checking module 6 can check whether the content of the protected file data has been tampered with and whether the page numbers of the protected file data are consecutive. No missing pages. Specifically, in this embodiment, the document checking module 6 determines by comparing the same copy of the document data sent to the user in advance with the verification document data signed by the user. Whether the content of the protected document data has been tampered with or missing pages. In addition, in this embodiment, the protected document data also has a one-dimensional barcode. The document verification module 6 can determine by scanning the one-dimensional barcode. The content of the guarantee document and its corresponding contents should be avoided by users applying for guarantee to avoid misjudgment due to comparison with wrong guarantee documents, but this should not be used as a Limitation, in addition, in this embodiment, the entire document also has special holes, such as holes with a special shape of CTBC to prevent the document from being removed.

綜上所述，上述實施例藉由該辨識模組3判斷來自該客戶端終端裝置200的該待驗證客戶資料與其預存的該客戶資料相符後，才傳送該上傳身分證件請求給該客戶端終端裝置200，具有阻擋非預約使用者的功效，並在接收到該客戶端終端裝置200上傳的該身分證件影像資料後，令該客戶端終端裝置200與該銀行端終端裝置300透過該視訊模組4開始進行視訊，並在視訊期間透過該人臉影像擷取模組5擷取該使用者的該人臉影像後，辨識該身分證件影像資料與該儲存模組2儲存的該最新身分證件影像資料相符且辨識該人臉影像與該最新身分證件影像資料中的人臉影像相符時，令該視訊模組4持續讓該銀行端終端裝置300與該客戶端終端裝置200進行視訊，並產生比對結果後透過該通訊模組1傳送給該銀行端終端裝置300該業務人員，以此，該業務人員能參考該比對結果確認該使用者是否為本人且提供的證件是否為最新的證件，減少該業務人員因疲勞或其它困素(例如影像畫質不佳)造成誤判導致他人冒用身分的情形，而達到本發明的功效與目的。 To sum up, in the above embodiment, the identification module 3 determines that the customer information to be verified from the client terminal device 200 is consistent with the pre-stored customer information, and then the identity document upload request is sent to the client terminal. The device 200 has the function of blocking non-reservation users, and after receiving the identity document image data uploaded by the client terminal device 200, causes the client terminal device 200 and the bank terminal device 300 to communicate through the video module 4. Start the video, and during the video, after capturing the face image of the user through the face image capture module 5, identify the identity document image data and the latest identity document image stored by the storage module 2 When the data matches and the face image is recognized to be consistent with the face image in the latest identity document image data, the video module 4 continues to allow the bank terminal device 300 to conduct video calls with the client terminal device 200 and generates a comparison. The comparison result is sent to the bank terminal device 300 through the communication module 1 to the business staff, so that the business staff can refer to the comparison result to confirm whether the user is himself and whether the certificate provided is the latest certificate. The effect and purpose of the present invention can be achieved by reducing the misjudgment caused by the business personnel due to fatigue or other difficulties (such as poor image quality) and causing others to impersonate their identities.

惟以上所述者，僅為本發明之實施例而已，當不能以此限定本發明實施之範圍，凡是依本發明申請專利範圍及專利說明書內容所作之簡單的等效變化與修飾，皆仍屬本發明專利涵蓋之範圍 內。 However, the above are only examples of the present invention, and should not be used to limit the scope of the present invention. All simple equivalent changes and modifications made based on the patent scope of the present invention and the content of the patent specification are still within the scope of the present invention. Scope covered by the patent of this invention within.

1:通訊模組 1: Communication module

2:儲存模組 2:Storage module

3:辨識模組 3:Identification module

4:視訊模組 4: Video module

5:人臉影像擷取模組 5: Face image capture module

6:文件檢核模組 6: Document checking module

100:輔助對保系統 100: Auxiliary protection system

200:客戶端終端裝置 200: Client terminal device

300:銀行端終端裝置 300: Bank terminal device

400:客服端終端裝置 400:Customer service terminal device

500:身分證查驗系統 500: ID card verification system

Claims (12)

一種輔助對保系統，由一銀行端提供，且適於與一使用者的一客戶端終端裝置及該銀行端的一業務人員使用的一銀行端終端裝置互相通訊；該輔助對保系統包含：一通訊模組，其與該客戶端終端裝置及該銀行端終端裝置透過網路連線，以接收該客戶端終端裝置傳來的一視訊對保請求，該視訊對保請求包含一待驗證客戶資料；一儲存模組，其中預存有該使用者的一客戶資料及與該客戶資料相關的一最新身分證件影像資料；一視訊模組；一辨識模組，其與該通訊模組及該儲存模組電連接，且判斷該通訊模組傳來的該視訊對保請求包含的該待驗證客戶資料與該儲存模組儲存的該客戶資料相符時，該辨識模組透過該通訊模組傳送一上傳身分證件請求給該客戶端終端裝置；且該辨識模組收到該客戶端終端裝置透過該通訊模組傳來的一身分證件影像資料後，該辨識模組令該客戶端終端裝置與該銀行端終端裝置透過該視訊模組開始進行視訊，以使該使用者及該業務人員出現在顯示於該客戶端終端裝置與該銀行端終端裝置的一視訊畫面中；且在該客戶端終端裝置傳送該視訊對保請求前，該辨識模組會透過該通訊模組收到該銀行端終端裝置傳來的一預約視訊對保請求，該預約視訊對保請求包 含該客戶端終端裝置的該使用者的該客戶資料及該客戶資料相關的該最新身分證件影像資料；及一人臉影像擷取模組，其與該辨識模組電連接且擷取出現在該視訊畫面中之該客戶端終端裝置的該使用者的一人臉影像，並傳送該人臉影像給該辨識模組；該辨識模組辨識該身分證件影像資料與該儲存模組儲存的該最新身分證件影像資料相符且辨識該人臉影像與該最新身分證件影像資料中的人臉影像相符時，令該視訊模組持續讓該銀行端終端裝置與該客戶端終端裝置進行視訊，並產生指示出證件比對通過及人臉辨識通過的一比對結果並透過該通訊模組傳送該比對結果給該銀行端終端裝置；其中，該辨識模組是根據該身分證件影像資料產生一證件文字資料，並判斷該證件文字資料是否與該最新身分證件影像資料中的文字資料相符，且該辨識模組還透過該通訊模組將包含該證件文字資料的一身分證新舊查核請求傳送給一身分證查驗系統；該身分證查驗系統根據該身分證新舊查核請求回傳一查驗結果給該通訊模組，該查驗結果指示該證件文字資料是否與該身分證查驗系統所儲存的該最新身分證件影像資料的文字資料相符。 An auxiliary guarantee system is provided by a bank and is suitable for communicating with a client terminal device of a user and a bank terminal device used by a business staff of the bank; the auxiliary guarantee system includes: a The communication module is connected to the client terminal device and the bank terminal device through the network to receive a video verification request from the client terminal device. The video verification request includes a customer information to be verified. ; a storage module, which pre-stores a customer information of the user and a latest identity document image data related to the customer information; a video module; an identification module, which is connected with the communication module and the storage module; An electrical connection is established, and when it is determined that the customer information to be verified contained in the video security request sent by the communication module matches the customer information stored in the storage module, the identification module sends an upload message through the communication module The identity document request is sent to the client terminal device; and after the recognition module receives an identity document image data transmitted from the client terminal device through the communication module, the recognition module allows the client terminal device to communicate with the bank The client terminal device starts video communication through the video module, so that the user and the business staff appear in a video screen displayed on the client terminal device and the bank terminal device; and the client terminal device transmits Before the video guarantee request, the identification module will receive a reservation video guarantee request from the bank terminal device through the communication module. The reservation video guarantee request package Containing the customer information of the user of the client terminal device and the latest identity document image data related to the customer information; and a facial image capture module that is electrically connected to the recognition module and captures the video that appears A face image of the user of the client terminal device in the screen, and transmits the face image to the recognition module; the recognition module recognizes the identity document image data and the latest identity document stored by the storage module When the image data matches and the face image is recognized to be consistent with the face image in the latest identity document image data, the video module continues to allow the bank terminal device to conduct video communication with the client terminal device and generates an instruction to issue the ID card. A comparison result is passed and the face recognition is passed, and the comparison result is sent to the bank terminal device through the communication module; wherein, the recognition module generates a document text data based on the identity document image data, And determine whether the text data of the ID card matches the text data in the latest ID card image data, and the recognition module also sends an ID card old and new verification request containing the text data of the ID card to an ID card through the communication module Verification system; the identity card verification system returns a verification result to the communication module based on the identity card old and new verification request, and the verification result indicates whether the document text data is consistent with the latest identity document image stored in the identity card verification system The text of the data matches. 如請求項1所述的輔助對保系統，其中，該儲存模組還預存有一預計視訊時間，且該辨識模組判斷收到的該視訊對保請求中的該待驗證客戶資料與該儲存模組儲存的該 客戶資料相符，並判斷接收到該視訊對保請求的時間與該預計視訊時間相符時，才傳送該上傳身分證件請求給該客戶端終端裝置。 The auxiliary verification system as described in claim 1, wherein the storage module also pre-stores an estimated video time, and the identification module determines that the customer information to be verified in the video verification request received is consistent with the storage module. group stored in the The client information matches, and it is determined that the time when the video verification request is received is consistent with the expected video time, and then the identity document upload request is sent to the client terminal device. 如請求項2所述的輔助對保系統，其中，該辨識模組判斷該待驗證客戶資料與該客戶資料不相符或接收到該視訊對保請求的時間與該預計視訊時間不相符，該辨識模組透過該通訊模組回傳一拒絕視訊對保通知給該客戶端終端裝置。 The auxiliary verification system as described in claim 2, wherein the identification module determines that the customer information to be verified does not match the customer information or the time when the video verification request is received does not match the expected video time. The module returns a video guarantee rejection notification to the client terminal device through the communication module. 如請求項1所述的輔助對保系統，其中，該視訊模組會紀錄整個視訊過程影像而產生一影像紀錄資料並儲存於該儲存模組。 The auxiliary security system as described in claim 1, wherein the video module will record the entire video process to generate an image record data and store it in the storage module. 如請求項2所述的輔助對保系統，其中，該預約視訊對保請求還包含一預約視訊時間；且該辨識模組將該預約視訊時間作為該預計視訊時間儲存於該儲存模組。 The auxiliary safeguard system as described in claim 2, wherein the scheduled video safeguard request also includes a scheduled video time; and the identification module stores the scheduled video time as the estimated video time in the storage module. 如請求項1所述的輔助對保系統，其中，該通訊模組還適於與該銀行端的一客服人員使用的一客服端終端裝置通訊，且該辨識模組允許該客服端終端裝置藉由該視訊模組與該銀行端終端裝置及該客戶端終端裝置進行視訊，並透過該通訊模組傳送一人臉影像擷取請求給該人臉影像擷取模組，使該人臉影像擷取模組根據該人臉影像擷取請求擷取出現在該視訊畫面中之該客戶端終端裝置的該使用者的該人臉影像並透過該通訊模組傳送給該辨識模組。 The auxiliary guarantee system of claim 1, wherein the communication module is also adapted to communicate with a customer service terminal device used by a customer service staff of the bank, and the identification module allows the customer service terminal device to pass The video module communicates with the bank terminal device and the client terminal device, and sends a face image capture request to the face image capture module through the communication module, so that the face image capture module The group retrieves the face image of the user of the client terminal device appearing in the video screen according to the face image capture request and sends it to the recognition module through the communication module. 一種輔助對保方法，該方法包含： 一使用者的一客戶端終端裝置傳送一視訊對保請求給一銀行端提供的一輔助對保系統，該視訊對保請求包含一待驗證客戶資料；該輔助對保系統判斷收到的該視訊對保請求中的該待驗證客戶資料與其中預存的該使用者的一客戶資料相符時，該輔助對保系統傳送一上傳身分證件請求給該客戶端終端裝置；該客戶端終端裝置回應該上傳身分證件請求並回傳一身分證件影像資料給該輔助對保系統；該輔助對保系統在接收到該身分證件影像資料後，使該客戶端終端裝置透過該輔助對保系統的一視訊模組與該銀行端的一銀行端終端裝置開始進行視訊；及該輔助對保系統透過其中的一辨識模組辨識該身分證件影像資料與預存的該使用者的一最新身分證件影像資料相符，且透過其中的一人臉影像擷取模組擷取該客戶端終端裝置之顯示在視訊中的一人臉影像，並透過該辨識模組辨識該人臉影像與該最新身分證件影像資料中的人臉影像相符後，該視訊模組令該銀行端終端裝置與該客戶端終端裝置持續進行視訊，並產生指示出證件比對通過及人臉辨識通過的一比對結果並透過該通訊模組傳送該比對結果給該銀行端終端裝置；其中，在該客戶端終端裝置傳送該視訊對保請求前，該輔助對保系統會收到該銀行端終端裝置傳來的一預約視訊對保請求，該預約視訊對保請求包含該客戶端終端 裝置的該使用者的該客戶資料及該客戶資料相關的該最新身分證件影像資料；其中，該辨識模組是根據該身分證件影像資料產生一證件文字資料，並判斷該證件文字資料是否與該最新身分證件影像資料中的文字資料相符，且該辨識模組還透過該通訊模組將包含該證件文字資料的一身分證新舊查核請求傳送給一身分證查驗系統；該身分證查驗系統根據該身分證新舊查核請求回傳一查驗結果給該通訊模組，該查驗結果指示該證件文字資料是否與該身分證查驗系統所儲存的該最新身分證件影像資料的文字資料相符。 An auxiliary defense method, which includes: A client terminal device of a user sends a video guarantee request to an auxiliary guarantee system provided by a bank. The video guarantee request contains customer information to be verified; the auxiliary guarantee system determines that the video guarantee received When the customer information to be verified in the verification request matches a customer information of the user pre-stored therein, the auxiliary verification system sends an identity document upload request to the client terminal device; the client terminal device responds to the upload The identity document requests and returns an identity document image data to the auxiliary verification system; after receiving the identity document image data, the auxiliary verification system enables the client terminal device to use a video module of the auxiliary verification system Start video chatting with a bank terminal device of the bank; and the auxiliary security system recognizes that the identity document image data is consistent with a pre-stored latest identity document image data of the user through one of the identification modules, and through the A face image capture module captures a face image displayed in the video of the client terminal device, and uses the recognition module to identify that the face image matches the face image in the latest identity document image data. , the video module allows the bank terminal device and the client terminal device to continuously conduct video calls, generates a comparison result indicating that the document comparison has passed and the face recognition has passed, and transmits the comparison result through the communication module to the bank terminal device; wherein, before the client terminal device transmits the video security request, the auxiliary security system will receive a reservation video security request from the bank terminal device, and the reservation video security request is sent to the bank terminal device. Ensure that the request contains the client terminal The user's customer information of the device and the latest identity document image data related to the customer information; wherein, the recognition module generates a document text data based on the identity document image data, and determines whether the document text data is consistent with the identity document image data. The text data in the latest identity document image data are consistent, and the recognition module also sends an ID card old and new verification request containing the text data of the identity card to an identity card verification system through the communication module; the identity card verification system is based on The ID card old and new check request returns a check result to the communication module, and the check result indicates whether the text data of the ID card matches the text data of the latest ID card image data stored in the ID card check system. 如請求項7所述的輔助對保方法，其中，該輔助對保系統還預存有一預計視訊時間，且該輔助對保系統的該辨識模組判斷收到的該視訊對保請求中的該待驗證客戶資料與其中預存的一客戶資料相符，並判斷接收到該視訊對保請求的時間與該預計視訊時間相符時，才傳送該上傳身分證件請求給該客戶端終端裝置。 The auxiliary safeguard method as described in claim 7, wherein the auxiliary safeguard system also pre-stores an estimated video time, and the identification module of the auxiliary safeguard system determines the pending video content in the received video safeguard request. It is verified that the customer information is consistent with a pre-stored customer information, and it is determined that the time when the video verification request is received is consistent with the expected video time, and then the identity document upload request is sent to the client terminal device. 如請求項8所述的輔助對保方法，其中，該輔助對保系統的該辨識模組判斷該待驗證客戶資料與該客戶資料不相符或接收到該視訊對保請求的時間與該預計視訊時間不相符，該輔助對保系統回傳一拒絕視訊對保通知給該客戶端終端裝置。 The auxiliary assurance method as described in claim 8, wherein the identification module of the auxiliary assurance system determines that the customer information to be verified does not match the customer information or the time when the video assurance request is received is consistent with the expected video If the time does not match, the auxiliary security system returns a video security rejection notification to the client terminal device. 如請求項7所述的輔助對保方法，其中，該輔助對保系統的該視訊模組會紀錄整個視訊過程影像而產生一影像紀錄資料並儲存。 The auxiliary safeguard method as described in claim 7, wherein the video module of the auxiliary safeguard system records the image of the entire video process to generate and store image recording data. 如請求項8所述的輔助對保方法，其中，該預約視訊對保請求還包含一預約視訊時間；且該輔助對保系統將該預約視訊時間作為該預計視訊時間儲存於其中。 The auxiliary safeguard method as described in claim 8, wherein the scheduled video safeguard request also includes a scheduled video time; and the auxiliary safeguard system stores the scheduled video time as the estimated video time. 如請求項7所述的輔助對保方法，其中，該輔助對保系統還適於與該銀行端的一客服人員使用的一客服端終端裝置通訊，且該輔助對保系統允許該客服端終端裝置藉由該視訊模組與該銀行端終端裝置及該客戶端終端裝置進行視訊，並傳送一人臉影像擷取請求給該人臉影像擷取模組，使該人臉影像擷取模組根據該人臉影像擷取請求擷取出現在該視訊畫面中之該客戶端終端裝置的該使用者的該人臉影像。 The auxiliary guarantee method as described in claim 7, wherein the auxiliary guarantee system is also adapted to communicate with a customer service terminal device used by a customer service staff of the bank, and the auxiliary guarantee system allows the customer service terminal device The video module communicates with the bank terminal device and the client terminal device, and sends a face image capture request to the face image capture module, so that the face image capture module can capture the face image according to the The face image capture request captures the face image of the user of the client terminal device appearing in the video screen.
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