TWM574284U - Trading system and automated teller machine using living body and face recognition to carry out card-free transaction - Google Patents

Abstract

A transaction system includes an automated teller machine, a face recognition server unit and a host unit. After receiving a user identification code, the automatic teller machine performs shooting when determining that a living condition is met to generate an image data and transmits the image data to the face recognition server unit to cause a face recognition to be transmitted back. Verification result, after determining that the face recognition verification result indicates that the verification is passed, the ATM obtains at least one customer account of a specific customer profile from the host unit, and receives a user input and indicates the at least The cardless transaction is executed when a customer account is associated with a cardless transaction command for a cardless transaction.

Description

Trading system and ATM with cardless transaction using live and face recognition

The present invention relates to a trading system and an automated teller machine, and more particularly to a trading system and an automated teller machine for verifying identity by using face recognition and living body identification.

In the existing cardless withdrawal system, the cashier can withdraw money at the Automated Teller Machine (ATM) without holding a financial card, which is very convenient. In order to improve the security of the cardless withdrawal system, an existing authentication method is that the cash dispenser must cooperate with a mobile device application to withdraw money from the ATM. For the cashier, the operation process is lengthy and Sacrificed convenience. Another way to improve security is to use the finger vein identification technology for identity verification. However, the automatic teller machine using this method must be equipped with a vein sensing device, which requires a high hardware cost.

Therefore, one of the objects of the present invention is to provide a transaction system that can overcome the inconvenience of the prior art by using live identification and face recognition to verify identity.

Thus, the novel transaction system includes an automatic teller machine, a face recognition server unit and a host unit. The automated teller machine includes an image capture module and a processing unit electrically coupled to the image capture module, the image capture module being capable of being captured by the processing unit. The face recognition server unit communicates with the automated teller machine. The host unit communicates with the automatic teller machine, and stores a plurality of customer data respectively corresponding to the plurality of customers, each customer data includes an corresponding identification code corresponding to the customer and at least one customer account number. The automatic teller machine transmits the user identification code to the host unit when receiving a user identification code input by the user, so that the host unit selects from the customer data to include the user identification code. A specific customer profile of the identification code. The automatic teller machine generates and transmits a face recognition request to the face recognition server unit when determining that a living condition is met, wherein the living condition includes a living body in a shooting range of the image capturing module, and the face recognition The request includes image data generated by the shooting module and the user identification code. When receiving the face recognition request, the face recognition server unit generates a face recognition verification according to the image data requested by the face recognition and a facial feature information pre-stored and related to the user identification code. As a result, the face recognition verification result is transmitted to the automatic teller machine. After determining that the face recognition verification result indicates that the verification is passed, the automatic teller machine obtains the at least one customer account number of the specific customer profile from the host unit, and receives a user input and indicates the specific customer profile. The cardless transaction is executed when one of the at least one customer account is associated with a cardless transaction command for a cardless transaction.

In some implementations of the novel transaction system, the automated teller machine determines whether the living condition is met using a biometric identification model pre-trained in a deep learning manner.

In some implementations of the new transaction system, the automatic teller machine transmits the user password to the user password when it is determined that the face recognition verification result indicates that the verification is passed and a user password input by the user is also received. The host unit. When the host unit receives the user password and determines that the user password matches a cardless transaction password included in the specific customer profile, the at least one customer account number of the specific customer profile is transmitted to the automated teller machine.

In some implementations of the new transaction system, the face recognition server unit not only transmits the face recognition verification result, but also encrypts an inspection data and transmits the verification data to the automatic teller machine, so that the automatic teller machine will receive the self-checking machine. The check data of the face recognition server unit is transmitted to the host unit, and the host unit stores the check data when the check data received from the automatic teller machine is successfully decrypted, wherein the check data is stored. The nuclear data includes the identification code of the specific customer data, a determination date when the face recognition verification result is generated, and a determination number of the face recognition verification result.

Another object of the present invention is to provide an automated teller machine that utilizes living body recognition and face recognition technology.

The new automatic teller machine is adapted to communicate with a face recognition server unit and a host unit. The host unit stores a plurality of customer data respectively corresponding to a plurality of customers, and each customer data includes a corresponding one corresponding to the customer. Identification code and at least one customer account number. The automatic teller machine includes a processing unit and an image capturing module. The image capturing module is electrically connected to the processing unit and can be photographed by the processing unit. The processing unit transmits the user identification code to the host unit when receiving a user identification code input by the user, so that the host unit selects from the customer data to include the user identification code. A specific customer profile of the identification code. The processing unit generates and transmits a face recognition request to the face recognition server unit when determining that a living condition is met, wherein the living condition includes a living body in a shooting range of the image capturing module, and the face recognition The request includes an image data generated by the shooting module and the user identification code, and the face recognition request is used by the face recognition server unit to generate a face recognition verification result. After receiving the face recognition verification result and determining that the face recognition verification result indicates that the verification is passed, the processing unit obtains the at least one customer account of the specific customer profile from the host unit, and receives a used account The cardless transaction is executed when one of the at least one customer account number of the particular customer profile is entered and indicated and associated with a cardless transaction command for a cardless transaction.

In some implementations of the present automatic teller machine, the processing unit determines whether the living condition is met using a biometric identification model pre-trained in a deep learning manner.

In some implementations of the new automatic teller machine, the processing unit transmits the user password to the user when it is determined that the face recognition verification result indicates that the verification is passed and a user password input by the user is received. a host unit, configured to: when the host unit determines that the user password matches a cardless transaction password included in the specific customer profile, transmitting the at least one customer account number of the specific customer profile to the automated teller machine, and The processing unit executes the cardless transaction with the host unit upon receiving the at least one customer account of the specific customer profile and also receiving the cardless transaction instruction.

The utility model has the following effects: when the automatic teller machine judges that the living condition is met and the face recognition verification result indicates that the verification is passed, the identity verification of the user is completed, and the subsequent cardless transaction is performed, compared to the current no-card transaction. The authentication method of the card transaction process has the advantages of reducing the user's operation burden, and the automatic teller machine does not need to install the finger vein identification device and does not need to perform face recognition, which is beneficial to the hardware construction and maintenance cost. .

Before the present invention is described in detail, it should be noted that in the following description, similar elements are denoted by the same reference numerals.

Referring to FIG. 1, an embodiment of the present novel trading system 100 is, for example, attributed to a bank and includes an automated teller machine 1, a host unit 2, and a face recognition server unit 3. The automatic teller machine 1, the host unit 2 and the face recognition server unit 3 can communicate with each other through a communication network 4. In the embodiment, the communication network 4 is, for example, an internal network belonging to the bank, but In other embodiments, the communication network 4 may also be, for example, an internet network, and is not limited to the embodiment.

The automatic teller machine 1 includes an image capturing module 11, a storage unit 12, an input unit 13 for user operation, an output unit 14, and a data carrier (for example, a wafer type financial card or a credit card). a data reading unit 15 that inserts and reads the data carrier, and a processing unit that electrically connects the image capturing module 11, the storage unit 12, the input unit 13, the output unit 14, and the data reading unit 15. 16.

In this embodiment, the image capturing module 11 is implemented as a camera and can be controlled by the processing unit 16 to generate image data, and the image capturing module 11 is configured to be transparent to the user. When the input unit 13 operates the automated teller machine 1, it is possible to capture the face of the user.

The storage unit stores a living body identification model 121 implemented by using a liveness detection technology. In the embodiment, the living body identification model 121 is pre-trained in a deep learning manner, for example, and the living body is The identification model 121 can be used by the processing unit 16 to perform a biometric identification process. Specifically, in the living body identification program of the embodiment, the processing unit 16 first controls the image capturing module 11 to continuously perform multiple shootings to generate multiple (for example, ten but not limited) image data. The living body identification model 121 performs an analysis operation on the image data to generate a living body identification result, and the living body identification result indicates whether the living body of the image capturing module 11 includes a living body, but is not limited thereto. .

In the present embodiment, the input unit 13 is implemented, for example, as a keyboard. The output unit 14 has, for example, a display screen and a speaker (not shown), and the data reading unit 15 is implemented, for example, as a read. Card machine. However, in other embodiments, the input unit 13 may also be implemented as a touch screen together with the display screen of the output unit 14, and is not limited to the embodiment.

In this embodiment, the processing unit 16 is, for example, a central processing unit, and the central processing unit can read the living body identification model 121 in the storage unit 12 and execute a living body identification calculation in the living body identification model 121. law. However, in other embodiments, the biometric model 121 can also be implemented as a hardware circuit within the central processor. More specifically, in other embodiments, the processing unit 16 can include, for example, the a central processing unit and the living body identification model 121 electrically connected to the central processing unit, and the living body identification model 121 is implemented as a hardware identification circuit (not shown) implemented by hardware, instead of the embodiment. Limited. In addition, the biometric identification model 121 can also be implemented as a combination of a hardware circuit and an algorithm (that is, a software), and is not limited to the embodiment.

In this embodiment, the host unit 2 stores a plurality of customer data 21 respectively corresponding to a plurality of customers, and each customer corresponding to the customer data 21 holds, for example, one or more financial services opened by the bank. The account, and each customer profile 21 includes an identification code 211, one or more client accounts 212 (two are shown by way of example in FIG. 1), and a communication profile 213. In this embodiment, for each customer profile 21 and the corresponding customer, the identification code 211 is, for example, the customer's ID number, and each customer account 212 is, for example, a financial account belonging to the customer. (For example, a live account or a foreign currency account), and the communication data 213 is, for example, a mobile phone number of the customer, but not limited thereto.

In this embodiment, the host unit 2 includes, for example, a foreground system (FEP) (not shown) electrically connected to the automated teller machine 1 through the communication network 4, and an electrical connection to the foreground system to store the clients. The data 21 is used to execute the host of the bank's electronic financial transaction (not shown), but is not limited thereto.

In the embodiment, the face recognition server unit 3 stores a plurality of identification codes 31 and a plurality of facial feature information 32 respectively corresponding to the identification codes 31. Specifically, the identification codes 31 are a plurality of customers corresponding to the financial accounts of the customers who have held the bank and have also opened a face recognition cardless transaction service. For example, in a specific customer A of the customers, if the specific customer A holds the financial account opened by the bank but does not open the face recognition cardless transaction service, the host unit 2 There will be a specific customer profile 21' corresponding to the specific customer A (as shown in FIG. 1), but there is no identification corresponding to the specific customer A in the face recognition server unit 3. Code 31 and facial feature information 32. In this embodiment, each of the identity recognition codes 31 in the face recognition server unit 3 is, for example, a corresponding customer's ID number, and will be associated with the same customer's identification code 211 in the host unit 2. Match,.

It is to be noted that, in this embodiment, the face recognition server unit 3 includes, for example, an identification server (not shown) having a face recognition algorithm and performing face recognition, and a The database server (not shown) for storing the identification code 31 and the facial feature information 32 is electrically connected to the identification server, but is not limited thereto.

Referring to FIG. 1 and FIG. 2 (FIG. 2A and FIG. 2B), the following is a detailed description of how the transaction system 100 of the present embodiment implements a cardless transaction method using the face recognition and the living body identification verification identity of the present invention. In this embodiment, the cardless transaction method includes a cardless transaction opening process, and a cardless transaction execution process that can be implemented after the cardless transaction opening process is completed, and the following is not for the present embodiment. The card transaction opening process is explained.

For ease of understanding, the specific customer A is referred to as a user in the following description, and it is assumed that the specific customer A is operating the automated teller machine 1 in order to open the face recognition cardless transaction service.

First, in step S101, when the processing unit 16 of the automated teller machine 1 receives a cardless transaction opening command input by the user via the input unit 13, the processing unit 16 controls the display screen of the output unit 14. A financial card request message is displayed. In this embodiment, the cardless transaction opening instruction is generated, for example, by the user operating the input unit 13 to select a cardless transaction opening option, and the financial card request message may indicate, for example, "Please insert a financial card". But not limited to this. Next, step S102 is performed.

In step S102, when the processing unit 16 detects that the data reading unit 15 is electrically connected to a wafer on the wafer financial card by inserting a wafer financial card as a data carrier, the data reading unit 15 is controlled. The wafer is read. Moreover, when the processing unit 16 further receives an input password input by the user via the input unit 13, the processing unit 16 determines whether the input password matches a card password stored in the wafer. Then, when the processing unit 16 determines that the input password matches the card password (that is, the user inputs the correct card password), the process proceeds to step S103.

In addition, in this embodiment, if the processing unit 16 determines that the input password does not match the card password (that is, the user inputs the wrong card password), and also determines the input password and the card. When the number of first consecutive errors that the password does not match is within three times, the processing unit 16 controls, for example, the display screen of the output unit 14 to display "The chip financial card password is incorrect, please re-enter" to instruct the user to re-enter the card password. . On the other hand, when the processing unit 16 determines that the input password does not match the card password, and also determines that the first consecutive error number has exceeded three times (that is, the number of times the user inputs the wrong card password more than three times) For example, the processing unit 16 controls the display screen of the output unit 14 to display “wafer financial card password error, please re-operate”, and controls the data reading unit 15 to withdraw the financial card, and the cardless transaction opening process ends. , but not limited to this.

In step S103, when the processing unit 16 determines that the input password matches the card password, the display screen of the output unit 14 controls a first password setting message, and the first password setting message may be, for example, " Please enter the cardless transaction password you want to set, but not limited to this. Then, when the processing unit 16 receives a first string input by the user and corresponding to the first password setting message, the display screen controlling the output unit 14 displays a second password setting. The message, and the second password setting message can be, for example, "Please input the cardless transaction password to be set again", but not limited thereto. Then, when the processing unit 16 receives a second string input by the user and corresponding to the second password setting message, the processing unit 16 further determines that the second string and the first string are mutually In the case of coincidence, the processing unit 16 generates a cardless transaction password establishment request including the first string (equivalent to the second string) and indicating the specific client A, and via the cardless transaction password establishment request via the cardless transaction password establishment request The communication network 4 is transmitted to the host unit 2. In this embodiment, the cardless transaction password establishment request includes, for example, a card number or a customer account number stored in the chip and corresponding to the specific customer profile 21', thereby indicating the specific customer profile 21', but Not limited to this.

The processing unit 16 transmits the cardless transaction password establishment request to the host unit 2, and then proceeds to step S104.

In step S104, when the host unit 2 receives the cardless transaction password establishment request from the automated teller machine 1 via the communication network 4, the host unit 2 first stores from the cardless transaction password establishment request according to the cardless transaction password establishment request. The specific customer profile 21' corresponding to the specific customer A is selected from the customer profile 21, and the first string (equivalent to the second string) is added as a cardless transaction password 214 to the specific customer profile. 21' (as shown in FIG. 3), such that the cardless transaction password 214 is included in the specific customer profile 21', and the particular customer profile 21' is set to the state in which the face recognition cardless transaction has been activated. Next, step S105 is performed.

In step S105, the host unit 2 generates a one-time password (English One Time Password, OTP for short), and transmits the one-time password in the form of a short message according to the communication data 213 of the specific customer data 21'. To a pair of portable electronic devices (not shown) that should communicate with the data 213. The portable electronic device can be, for example, a mobile phone held by the specific customer A, but is not limited thereto. Next, step S106 is performed.

In step S106, when the processing unit 16 of the automated teller machine 1 receives a check password input by the user via the input unit 13, the check password is transmitted to the host unit 2 via the communication network 4. Next, step S107 is performed.

In step S107, when the host unit 2 receives the verification password from the automated teller machine 1 via the communication network 4 within a predetermined period of time, it is determined whether the verification password matches the one-time password. When the host unit 2 determines that the verification password matches the one-time password (that is, the user inputs the correct one-time password at the ATM 1), a password correct notification is generated, and the communication network is transmitted through the communication network. 4 The correct notification of the password is transmitted to the processing unit 16 of the automated teller machine 1.

In this embodiment, the predetermined period may be, for example, one minute, and is, for example, from the time when the single unit password is transmitted from the host unit 2 to the portable electronic device, but is not limited thereto. In addition, it is added that if the host unit 2 determines that the verification password does not match the one-time password (that is, the user inputs an incorrect one-time password at the ATM 1), and also determines that When the number of second consecutive errors that the verification password does not match the one-time password is within three times, the host unit 2 transmits a first password error notification to the processing unit 16 of the ATM 1 via the communication network 4. Therefore, the processing unit 16 controls the display screen to display, for example, "single-password error, please re-receive the short message and re-enter the one-time password" according to the first password error notification, and then proceeds from step S105 again. On the other hand, if the host unit 2 determines that the check password does not match the one-time password, and the second consecutive error number has exceeded three times (that is, the user continuously inputs the wrong single-password more than three times) When the host unit 2 transmits a second password error notification to the processing unit 16 via the communication network 4, the processing unit 16 controls the display screen to display, for example, "opening failure, please re-operate according to the second password error notification. One time, and controlling the data reading unit 15 to withdraw the financial card, and the cardless transaction opening process ends, but not limited thereto.

After the host unit 2 transmits the password correctly to the processing unit 16 of the automated teller machine 1, the process proceeds to step S108.

In step S108, when the processing unit 16 of the automated teller machine 1 receives the password correct notification from the host unit 2, the processing unit 16 controls the output unit 14 to output a shooting reminder notification to prompt the user to take a photo. Then, the processing unit 16 determines whether a living condition is met, and if the result of the determination is YES, then proceeds to step S109.

In this embodiment, the processing unit 16 determines whether the living condition is consistent. The living body identification model is executed by the living body identification model 121 in the storage unit 12 to generate the living body identification result, and then according to the living body identification. As a result, it is judged whether or not the living condition is met. Specifically, when the living body recognition result indicates that the shooting range of the image capturing module 11 includes a living body, the processing unit 16 determines that the living body condition is met, and on the other hand, when the living body recognition result indicates the image capturing When the living area of the module 11 does not include a living body, the processing unit 16 determines that the living body condition does not match. In addition, if the processing unit 16 determines that the living condition is not met, the processing unit 16 controls the display screen display, for example, “open failure” and controls the data reading unit 15 to exit the financial card, and the The card transaction opening process ends, but not limited to this. In addition, the shooting reminder notification includes, for example, a shooting prompt voice output by the speaker of the output unit 14 and a shooting prompt message displayed by the display screen of the output unit 14, the shooting prompt voice indicating, for example, " Prepare to take a photo, please look directly at the lens, and the shooting message indicates the precautions when shooting, such as "Do not cover the eyebrows, facial features and facial contours", "Do not wear sunglasses", etc., but not This is limited.

In step S109, the processing unit 16 controls the image capturing module 11 to automatically capture three times, for example, at intervals of, for example, 0.5 seconds, to generate three pieces of image data, and transmit the three pieces of image data to the network via the communication network 4. Face recognition server unit 3. Next, step S110 is performed.

In step S110, when the face recognition server unit 3 receives the three pieces of image data from the automated teller machine 1, the face recognition is performed on the three pieces of image data, and three corresponding images are generated. The three identifiable scores of the data. For each recognizability score result, the value of the score is, for example, a parameter that is positively correlated with the number of facial features of the user's face in the corresponding image data, the identifiability and definition of the facial features and contours, but Not limited to this. Since the technical details of the face recognition server unit 3 for face recognition of the three pieces of image data are not the focus of the present invention, they will not be described here. Next, step S111 is performed.

In step S111, the face recognition server unit 3 determines whether there is a target image data that meets an applicable condition in the three pieces of image data. In this embodiment, for each image data, the applicable condition includes that the identifiable score result corresponding to the image data is greater than a predetermined threshold, and the identifiable score result corresponding to the image data is The highest of all such recognizable scores, but not limited to this. When the face recognition server unit 3 determines that the target image data exists in the three pieces of image data, the process proceeds to step S112.

In addition, if the face recognition server unit 3 determines that the target image data does not exist in the image data, the face recognition server unit 3 transmits a shooting failure notification to the communication network 4 to the The processing unit 16 of the automated teller machine 1. In this embodiment, when the processing unit 16 receives the shooting failure notification for the first time, the display screen of the output unit 14 is first controlled to display a shooting failure message and a re-shooting option, and when the processing unit 16 is When the input unit 13 receives a re-shooting command input by the user and corresponds to the re-shooting option, the input unit 13 starts again from the foregoing step S109, so that even if the first shooting fails, the user does not need to By reinserting the financial card, the second shot can be taken directly, so the operation is more convenient and time-saving. However, when the processing unit 16 receives the shooting failure notification for the second time, the re-shooting option is no longer provided for the user to select, and the cardless transaction opening process ends.

In step S112, the face recognition server unit 3 transmits the target image data to the processing unit 16 of the automated teller machine 1 via the communication network 4, and then proceeds to step S113.

In step S113, when the processing unit 16 of the automated teller machine 1 receives the target image data from the face recognition server unit 3, the display screen of the output unit 14 is controlled to display the target image data for use. Reference. Next, step S114 is performed.

In step S114, when the processing unit 16 receives a confirmation instruction input by the user and corresponding to the target image data via the input unit 13, the processing unit 16 causes the identification of the specific customer profile 21'. The code 211 (herein, taking the ID number of the specific customer A as an example) is supplied to the face recognition server unit 3, and transmits a filing request to the face recognition server unit 3 via the communication network 4. Next, step S115 is performed.

Specifically, in this embodiment, the processing unit 16 may obtain the identification code 211 of the specific customer profile 21' from the host unit 2, and then identify the identity of the specific customer profile 21'. The code 211 is transmitted to the face recognition server unit 3 via the communication network 4, or the processing unit 16 may also be a method of transmitting an instruction to the host unit 2, so that the host unit 2 directly directly stores the specific customer data. The identification code 211 of 21' is transmitted to the face recognition server unit 3 via the communication network 4, so that the face recognition server unit 3 obtains the identification code 211 of the specific customer profile 21', but not This is limited to this.

In addition, in the embodiment, if the processing unit 16 receives the target image data from the face recognition server unit 3 for the first time in step S113, the processing unit 16 displays the target image data by controlling the display screen. At the same time, the display screen is simultaneously controlled to display the re-shooting option for the user to select, and if the processing unit 16 receives the re-shooting instruction corresponding to the re-shooting option via the input unit 13 after step S113, The process proceeds again from the aforementioned step S109. In this way, in step S113, if the user is dissatisfied with the result of the first shooting, the second shooting can be directly performed by operating the input unit 13 to select the re-shooting option displayed on the display screen. Without having to re-do it once. However, if the processing unit 16 receives the target image data from the face recognition server unit 3 for the second time in step S113 (that is, the user has remake once), the display is not controlled again. The screen displays the re-shooting option for the user to select.

In step S115, referring to FIG. 4, when the face recognition server unit 3 receives the identification code 211 of the specific customer profile 21' and the filing request from the automated teller machine 1, the face recognition is performed. The server unit 3 performs the following operations according to the filing request: 1. The identification code 211 of the specific customer profile 21' is stored as an identity code 31' corresponding to the user (that is, the specific client A). . 2. Generate and store a facial feature information 32' corresponding to the target image data. In this embodiment, the face recognition server unit 3 can store the target image data directly as the facial feature information 32', however, in other embodiments, the face recognition server unit 3 The image analysis and/or image processing may be performed on the target image data to generate the facial feature information 32 ′ corresponding to the target image data, which is not limited to the embodiment. 3. Establish a unique correspondence between the identification code 31' and the facial feature information 32'.

As shown in FIG. 5, by the above steps S101 to S115, the host unit 2 has added the specific customer A to the specific customer profile 21 in the automatic teller machine 1 The cardless transaction password 214, and the identity recognition code 31' corresponding to the specific client A and the facial feature information 32' are also stored in the face recognition server unit 3, and the present embodiment is completed. No card transaction opening process.

5 and FIG. 6 (FIG. 6A and FIG. 6B), the cardless transaction execution flow of the present embodiment will be described below. Further, as in the previous example, the specific customer A is continued as the user, and it is assumed that the specific customer A is operating the automated teller machine 1 and wants to use the face recognition cardless transaction service for withdrawal.

First, in step S201, when the processing unit 16 of the automated teller machine 1 receives a cardless transaction initiation command and a user identification code input by the user via the input unit 13, the user identification code is transmitted. To the host unit 2. In this embodiment, the cardless transaction initiation instruction is generated by the user operating the input unit 13 to select a cardless transaction option, and the user identification code is, for example, a user (here the specific customer) A is an example) operating the ID number entered by the input unit 13, but not limited thereto. For convenience of explanation, the user identification code received by the processing unit 16 and the ID card identification code 211 in the specific customer profile 21' and the identification code 31 in the face recognition server unit 3 are assumed herein. 'To match each other. Next, step S202 is performed.

In step S202, when the host unit 2 receives the user identification code from the automated teller machine 1, the specific customer profile 21' is selected from the customer profiles 21 based on the user identification code, and the specificity is determined. Whether the customer profile 21' has been set to the state in which the face recognition cardless transaction has been activated. In the case where the result of the judgment by the host unit 2 is YES, the host unit 2 transmits an opened confirmation notification to the automated teller machine 1, and then proceeds to step S203.

In step S203, when the processing unit 16 of the automated teller machine 1 receives the activated confirmation notification from the host unit 2, the processing unit 16 controls the output unit 14 to output a shooting prompt notification to prompt the user to take a photo. Next, the processing unit 16 determines whether the living condition is met, and if the result of the determination is YES, then proceeds to step S204. The manner in which the processing unit 16 determines whether the living condition is met in this step is the same as the foregoing, and the shooting prompt notification described in this step is also the same as the shooting prompt notification described in step S108 in the cardless transaction opening process. Therefore, it will not be repeated here. In addition, in this embodiment, if the processing unit 16 determines that the living condition does not match, the processing unit 16 controls the display screen to display, for example, “transaction failure”, and the cardless transaction execution process ends, but does not limit.

In step S204, the processing unit 16 controls the image capturing module 11 to perform a single shooting to generate image data for face recognition. Next, step S205 is performed.

In step S205, the processing unit 16 generates a face recognition request including the user identification code (that is, the ID number entered by the specific customer A) and the image data, and the The face recognition request is transmitted to the face recognition server unit 3. Next, step S206 is performed.

In step S206, when the face recognition server unit 3 receives the face recognition request from the automated teller machine 1, the face recognition server unit 3 first stores the face recognition server based on the user identification code. The identification code 31 is matched with the identification code 31 ′ corresponding to the user identification code, and the image data is compared with the facial feature information 32 ′ corresponding to the identification code 31 ′ to generate A face recognition verification result indicating that the verification passed or the verification failed. In this embodiment, the face recognition server unit 3 first extracts the facial features of the specific customer A included in the image data from the image data requested by the face recognition, and then extracts the obtained facial features. The face feature is compared with the facial feature information 32'. When a degree of similarity between the two is greater than or equal to a preset threshold, the face recognition verification result indicates that the verification passes, and vice versa. When the degree of similarity is less than the preset threshold, the face recognition verification result indicates that the verification fails.

After the face recognition server unit 3 generates the face recognition verification result, the process proceeds to step S207.

In step S207, the face recognition server unit 3 not only encrypts the face recognition result, but also encrypts a check data and transmits it to the processing unit 16 of the automated teller machine 1 via the communication network 4. In this embodiment, the verification data includes, for example, the identification code 31', a determination date when the face recognition verification result is generated this time, and a determination number corresponding to the face recognition verification result. In addition, in the embodiment, when the processing unit 16 receives the verification data from the face recognition server unit 3, the processing unit 16 transmits the verification data to the host unit 2, and the host unit 2 is When the verification data from the ATM 1 is received, the verification data is decrypted, and when the decryption is successfully decrypted, the decrypted verification data is stored as a face recognition verification record verified by the verification for subsequent inspection. Nuclear inspection, but not limited to this.

The face recognition server unit 3 transmits the face recognition verification result and the verification data to the automated teller machine 1, and then proceeds to step S208.

In step S208, when the processing unit 16 of the automated teller machine 1 receives the face recognition verification result, it is determined whether the face recognition verification result indicates that the verification is passed, and if the result of the determination is yes, then Go to step S209.

It is to be noted that, in the case that the processing unit 16 determines that the face recognition verification result indicates that the verification fails, the processing unit 16 further determines that the face recognition verification result indicating that the verification fails is received for the first time. The processing unit 16 first controls the display screen of the output unit 14 to display a face recognition failure message, and then starts again from step S204 to provide a second chance for the user to recognize the face. However, if the processing unit 16 further determines that the face recognition verification result indicating that the verification fails, the processing unit 16 controls the display screen to display the face recognition failure message, the cardless transaction. The execution process ends.

In step S209, the processing unit 16 controls the display screen of the output unit 14 to display a cardless transaction password request message, and when the processing unit 16 further receives a user input by the user via the input unit 13 When the password is used, the user password is transmitted to the host unit 2. Next, step S210 is performed.

In step S210, when the host unit 2 receives the user password, it is determined whether the user password matches the cardless transaction password 214 in the specific customer profile 21'. When the host unit 2 determines that the user password matches the cardless transaction password 214 of the specific customer profile 21' (that is, the specific customer A enters the correct cardless transaction password at the automated teller machine 1) The host unit 2 transmits the customer accounts 212 of the specific customer profile 21' (in this embodiment, two as an example) to the processing unit 16 of the automated teller machine 1, and then proceeds to step S211.

In addition, in this embodiment, if the host unit 2 determines that the user password does not match the cardless transaction password 214 of the specific customer profile 21 ′ (that is, the specific client A is in the ATM 1 The wrong cardless transaction password is entered, and the host unit 2 transmits a cardless transaction password error notification to the processing unit 16 of the automated teller machine 1 via the communication network 4, so that the processing unit 16 controls the output unit 14 through the control unit. The user is instructed to re-enter the no-card transaction password, and the number of times the automatic teller machine 1 can re-enter the card-free transaction password by the user is, for example, twice, but not limited thereto.

In step S211, when the processing unit 16 of the automated teller machine 1 receives the two customer accounts 212 of the specific customer profile 21', the display screen display controlling the output unit 14 respectively indicates the two customer accounts 212. An account option, and when the processing unit 16 further receives a cardless transaction instruction input by the user and indicating one of the two customer accounts 212 and a cardless transaction via the input unit 13, the automated teller machine 1 The processing unit 16 and the host unit 2 perform the cardless transaction together. Specifically, the cardless transaction is a withdrawal transaction in this embodiment, but in another embodiment, it may be, for example, a transfer transaction or a deposit transaction, and is not limited to the embodiment. The cardless transaction command is generated, for example, by the user operating the input unit 3 to select one of the two account options. And the automatic teller machine 1 and the host unit 2 execute the cardless transaction according to the financial account corresponding to the customer account 212 indicated by the cardless transaction instruction, thereby completing the cardless transaction execution of the embodiment. Process.

It is to be noted that, in the cardless transaction execution flow of the embodiment, the ATM 1 first displays the cardless transaction password request message (step S209), and the host unit 2 determines that the user inputs the message. After the user password matches the cardless transaction password 214 (step S210), the automated teller machine 1 displays the two account options (step S211) for the user to select the financial time to use when the cardless transaction is performed. Account, in other words, the user must first enter the correct cardless transaction password in order to make a financial account selection. However, in the cardless transaction execution flow of another embodiment, the automated teller machine 1 may also obtain the specific from the host unit 2 after determining that the face recognition verification result indicates that the verification is passed (step S208). The two customer accounts 212 of the customer profile 21' display the two account options, and the cardless transaction password request message is displayed when the account selection instruction is received, and then transmitted when the user password is received. Up to the host unit 2, for the host unit 2 to perform the comparison of the user password and the cardless transaction password 214. In other words, in the cardless transaction execution flow of the other embodiment, the user can first Select the financial account you want to use and enter the cardless transaction password, which is not limited to this embodiment.

In summary, the automatic teller machine 1 in this embodiment determines that the living condition is met and the face recognition verification result indicates that the verification is passed, that is, the identity verification of the user is completed, and the host unit 2 performs subsequent steps. The cardless transaction has the advantage of reducing the user's operation burden compared to the current authentication method of the cardless transaction process, and the automatic teller machine 1 in this embodiment does not need to install the finger vein identification device. Performing face recognition, which is conducive to hardware construction and maintenance costs, can indeed achieve the purpose of this new type.

However, the above is only the embodiment of the present invention, and when it is not possible to limit the scope of the present invention, all the simple equivalent changes and modifications according to the scope of the patent application and the contents of the patent specification are still This new patent covers the scope.

100‧‧‧ trading system

1‧‧‧Automatic Teller Machine

11‧‧‧Image Capture Module

12‧‧‧ storage unit

121‧‧‧ Living identification model

13‧‧‧Input unit

14‧‧‧Output unit

15‧‧‧data reading unit

16‧‧‧Processing unit

2‧‧‧Host unit

21‧‧‧Customer Information

21’‧‧‧Specific customer information

211‧‧‧identity code

212‧‧‧Customer Account

213‧‧‧Communication information

214‧‧‧No card transaction password

3‧‧‧Face recognition server unit

31‧‧‧identity code

31’‧‧‧ID

32‧‧‧Face characteristics information

32’‧‧‧Facial Features Information

4‧‧‧Communication network

S101~S114‧‧‧Steps

S201~S211‧‧‧Steps

Other features and advantages of the present invention will be apparent from the following description of the drawings, wherein: FIG. 1 is a block diagram exemplarily illustrating an embodiment of the novel transaction system; FIG. 2A and FIG. 2B are a flowchart, which exemplarily illustrates how the embodiment implements a cardless transaction opening process in a cardless transaction method; FIG. 3 is a schematic diagram exemplarily showing a cardless transaction password. The embodiment is added to a specific customer profile; FIG. 4 is a schematic diagram exemplarily showing the identity identification code and facial feature information stored by a face recognition server unit; FIG. 5 is a block diagram, exemplary The embodiment after the completion of the cardless transaction opening process is shown; and FIG. 6 (composed of FIG. 6A and FIG. 6B) is a flow chart exemplarily illustrating how the embodiment implements one of the cardless transaction methods. Cardless transaction execution process.

Claims (7)

A transaction system comprising: an automatic teller machine comprising an image capture module and a processing unit electrically connected to the image capture module, the image capture module being capable of being controlled by the processing unit; a face recognition server unit Communicating with the automatic teller machine; and a host unit communicating with the automatic teller machine and storing a plurality of customer data respectively corresponding to the plurality of customers, each customer data comprising an corresponding identification corresponding to the customer And the at least one customer account; wherein: the automatic teller machine transmits the user identification code to the host unit when receiving a user identification code input by the user, so that the host unit selects from the customer data a specific customer profile including the identification code corresponding to the user identification code; the automated teller machine generates and transmits a face recognition request to the face recognition server unit when determining that a living condition is met, wherein the living body The condition includes a living body in the shooting range of the image capturing module, and the face recognition request The image data generated by the shooting module and the user identification code; the face recognition server unit receives the face recognition request, according to the image information requested by the face recognition and a facial feature verification information pre-stored and related to the user identification code generates a face recognition verification result, and transmits the face recognition verification result to the automatic teller machine; the automatic teller machine determines the face recognition verification result After indicating that the verification is passed, obtaining the at least one customer account of the specific customer profile from the host unit, and receiving one of the at least one customer account input by the user and indicating the specific customer profile and related The cardless transaction is executed when there is a cardless transaction command for a cardless transaction. The transaction system of claim 1, wherein the automated teller machine determines whether the living condition is met using a biometric model pre-trained in a deep learning manner. The transaction system of claim 1, wherein: the automatic teller machine transmits the user password to the user terminal after determining that the face recognition verification result indicates that the verification is passed and a user password input by the user is also received. The host unit; when the host unit receives the user password and determines that the user password matches a cardless transaction password included in the specific customer profile, transmitting the at least one client account of the specific customer profile to The ATM. The transaction system of claim 1, wherein the face recognition server unit not only transmits the face recognition verification result, but also encrypts a check data and transmits the check data to the automatic teller machine, so that the automatic teller machine will receive the The check data of the face recognition server unit is transmitted to the host unit, and the host unit stores the check data when the check data received from the automatic teller machine is successfully decrypted, wherein the check data is stored. The nuclear data includes the identification code of the specific customer data, a determination date when the face recognition verification result is generated, and a determination number of the face recognition verification result. An automatic teller machine is adapted to communicate with a face recognition server unit and a host unit, wherein the host unit stores a plurality of customer data respectively corresponding to a plurality of customers, each customer data comprising a corresponding one corresponding to the customer And the at least one customer account, the automatic teller machine includes: a processing unit; and an image capturing module electrically connected to the processing unit and capable of being controlled by the processing unit; wherein the processing unit receives the Transmitting the user identification code to the host unit when the user enters a user identification code, so that the host unit selects a specific identifier from the customer data that includes the identification code that matches the user identification code. a customer data; the processing unit generates and transmits a face recognition request to the face recognition server unit when determining that a living condition is met, wherein the living condition includes a living body in a shooting range of the image capturing module, and the The face recognition request includes image data generated by the shooting module and the use The face recognition request is used by the face recognition server unit to generate a face recognition verification result; the processing unit receives the face recognition verification result and determines that the face recognition verification result indicates verification After passing, obtaining the at least one customer account of the specific customer profile from the host unit, and receiving one of the at least one client account input by the user and indicating the specific customer profile and related to none The cardless transaction is executed when the card transaction has no card transaction instruction. The automatic teller machine according to claim 5, wherein the processing unit determines whether the living body condition is met by using a living body recognition model pre-trained in a deep learning manner. The automatic teller machine of claim 5, wherein the processing unit transmits the user password to the user when it is determined that the face recognition verification result indicates that the verification is passed and a user password input by the user is received. a host unit, configured to: when the host unit determines that the user password matches a cardless transaction password included in the specific customer profile, transmitting the at least one customer account number of the specific customer profile to the automated teller machine, and The processing unit executes the cardless transaction with the host unit upon receiving the at least one customer account of the specific customer profile and also receiving the cardless transaction instruction.