TWM583963U - Identity verification system for financial transaction - Google Patents

Abstract

An identity verification system for financial transactions, comprising: a financial transaction device, transmitting an instant facial image and a transaction request associated with a financial account, and obtaining an instant facial image when receiving the transaction request. The biometric sharing platform receives the instant facial image and the transaction request, and includes: a database, storing the first pre-stored facial image at the first time and storing the second pre-stored facial image at the second time, the facial images corresponding to the financial Account, and the second time is earlier than the first time. The processor determines whether the similarity between the first pre-stored facial image and the instant facial image is greater than a first threshold, if the transaction request is not greater than the first threshold, and vice versa, whether the second pre-stored facial image is present. If the second pre-stored facial image is not executed, the first verification process is executed, and vice versa.

Description

Identity verification system for financial transactions

This creation is about an identity verification system for financial transactions, in particular an identity verification system that combines financial transaction devices and automatically updates the database.

Because biometrics are fast and convenient, many financial institutions use biometrics as a means of identity verification. In addition, some ATMs use face recognition as a method of identity verification, allowing users to perform simple financial transactions more efficiently.

However, due to the current face recognition technology, there are still some errors, so it is not widely used in the financial industry. In addition, modern people often register many bank accounts under their name, but only a few accounts use them frequently. Therefore, for a bank account that has not been used for a long time, the stored facial image may be separated from the present by the storage time for a long time, and cannot be compared with the user's current appearance, thereby increasing the probability of misjudgment. On the other hand, when the user's face image of the financial institution has not been updated for a long time, the identity of the user is stolen to the counter of the financial institution for opening an account, withdrawing money or transferring money. When the transaction is completed, it will be difficult for the counter to detect it immediately, and then the problem of fraudulent account opening, fraudulent use and money laundering will be derived.

The present invention is to provide an identity verification system for financial transactions to improve the above problems.

An identity verification system for financial transactions, comprising: a financial transaction device, configured to receive and transmit an instant facial image and a transaction request associated with a financial account, wherein the financial transaction device includes a camera, and the camera is configured to receive at the financial transaction device Obtaining an instant facial image when the transaction is requested; and a biometric sharing platform, the communication is connected to the financial transaction device and receiving the instant facial image and the transaction request, wherein the biometric sharing platform comprises: a database for storing the corresponding financial in the first time a first pre-stored facial image of the account, and a second pre-stored facial image corresponding to the financial account at a second time, wherein the second time is earlier than the first time; and the processor, the connection database, for the slave database Searching for the first pre-stored facial image corresponding to the financial account, and determining whether the similarity between the first pre-stored facial image and the instant facial image is greater than a first threshold, wherein the processor is in the first pre-stored facial image and the instant facial image Reject the transaction request when the similarity is not greater than the first threshold, and the first pre-stored facial image and instant When the similarity of the partial image is greater than the first threshold, determining whether the database has a second pre-stored facial image corresponding to the financial account, wherein the processor executes a first time when determining that the database does not have the second pre-stored facial image corresponding to the financial account a verification procedure, and when the determination database has a second pre-stored facial image corresponding to the financial account, and executing the second verification procedure.

As stated above, the identity verification system for financial transactions proposed by the present invention can provide different comparison thresholds according to the storage time of facial images to reduce the false positive rate of face recognition; and after the identity verification is passed Stores the latest instant face images and deletes old face images that have no reference value, providing a more efficient way to update face images. In addition, the identity verification system for financial transactions proposed in this creation can decide whether to agree to the transaction and effectively reduce the risk of fraudulent use.

The above description of the disclosure and the following description of the embodiments are intended to illustrate and explain the spirit and principles of the present invention, and to provide further explanation of the scope of the patent application of the present invention.

The detailed features and advantages of the present invention are described in detail below in the embodiments, which are sufficient to enable any skilled artisan to understand the technical contents of the present invention and implement it according to the contents, the scope of the patent application and the drawings. Anyone familiar with the relevant art can easily understand the purpose and advantages of this creation. The following examples are intended to further illustrate the scope of this creation, but do not limit the scope of the creation in any way.

Please refer to FIG. 1A and FIG. 1B. 1A is a block diagram of an identity verification system for financial transactions according to an embodiment of the present invention, and FIG. 1B is a schematic diagram of the use of an identity verification system for financial transactions according to an embodiment of the present invention. The identity verification system for financial transactions includes a financial transaction device 1 and a biometric sharing platform 2.

The financial transaction device 1 has a camera 11. When the financial transaction device 1 is operated by the user, the user's instant facial image and the transaction request associated with the financial account can be transmitted; wherein the instant facial image is received by the camera 11 when the financial transaction device 1 receives the transaction request Acquired. In the usage scenario shown in FIG. 1B, the financial transaction device 1 is an automated teller machine (ATM), the camera 11 may be a monitor installed on an automatic teller machine, and the financial account may be a user. The card number of the card, the transaction request may have withdrawal options, transfer or query transaction records... and other trading options. However, in other usage scenarios, the financial transaction device 1 may also be a mobile device having a camera lens and capable of performing financial transactions via the network, a tablet computer, a notebook computer or a desktop computer, etc., and the financial account may also be It is a credit card number or a deposit account. This creation is not limited to this.

The biometric sharing platform 2 is a communication connection financial transaction device 1 and has a database 21 and a processor 22. The database 21 is configured to store the first pre-stored facial image of the corresponding financial account at the first time and store the second pre-stored facial image at the second time, wherein the second time is earlier than the first time. In practice, the database 21 can be configured to be physically connected to the physical hard disk of the processor 22, or to the cloud hard disk of the communication connection processor 22.

The processor 22 is electrically connected or communicatively connected to the database 21 according to the configuration of the database 21. In addition, when the biometric sharing platform 2 receives the transaction request associated with the financial account, the processor 22 can search the database 21 for the first pre-stored facial image and the second pre-stored facial image of the corresponding financial account, and according to the instant The similarity between the facial image and the first pre-stored facial image and the second pre-stored facial image respectively determines whether the transaction request is to be rejected. Briefly, the processor 22 can separately recognize the similarity between the first pre-stored face image and the instant face image, and the similarity between the second pre-stored face image and the instant face image to confirm the user. Whether the identity is in line with the financial account, thereby reducing the possibility of misappropriation of the financial account. In practice, the processor 22 can be a central processing unit (CPU), but can also be configured as other components with sufficient computing power.

It is worth mentioning that the biometric sharing platform 2 can be a server, which stores biometric data of a plurality of banks and provides information system programming to the banks (or public agencies, telecommunications, etc.) ( Application program interface, API) interface. (For example, the communication is connected to the ATMs of these banks for identity verification). Compared with the biometric platform limited to single bank operation, the biometric sharing platform 2 disclosed in the present invention can receive and integrate biometric data of multiple institutions. In other words, the biometric sharing platform 2 can obtain the latest facial image of the user as long as the user performs a financial transaction using an account of one of the institutions in the near future. Therefore, the biometric sharing platform 2 can provide a more accurate and more rigorous method of identity verification, and use the latest facial images for related institutions (for example, financial institutions or government agencies) to reduce the fraudulent use of documents. Counterfeit account opening, stolen deposits and other issues. The method of verifying the identity of the biometric sharing platform 2 will be described in the subsequent paragraphs.

Please refer to Figure 2. 2 is a flow chart of an identity verification method for financial transactions according to an embodiment of the present invention. When the financial transaction device receives the instant facial image and the transaction request, please refer to step S1: the financial transaction device transmits the instant facial image and the transaction request to the biometric sharing platform; wherein the transaction request is associated with the financial account, and the instant face is The image is captured by the camera. When the biometric sharing platform receives the instant facial image and the transaction request, refer to step S2: the biometric sharing platform searches for the first pre-stored facial image of the corresponding financial account, and determines the first pre-stored facial image and the instant facial image. Whether the similarity is greater than the first threshold. In detail, the first pre-stored facial image is stored in the biometric sharing platform at the first time, and the first threshold is associated with the time difference between the time when the financial transaction device receives the instant facial image and the first time. When the aforementioned time difference is larger, it may correspond to a smaller first threshold.

When the similarity between the first pre-stored facial image and the instant facial image is not greater than the first threshold, then proceeding to step S3: the biometric sharing platform rejects the transaction request. In this case, since the financial account may have been stolen, the biometric sharing platform can transmit the instant facial image to the bank host to which the financial account belongs as a warning message. On the other hand, when the similarity between the first pre-stored facial image and the instant facial image is greater than the first threshold, then step S4 is followed: the biometric sharing platform determines whether there is a second pre-stored facial image corresponding to the financial account. In detail, the second pre-stored facial image is stored by the biometric sharing platform at a second time, and the second time is earlier than the first time.

When the biometric sharing platform does not have the second pre-stored facial image corresponding to the financial account, refer to step S5: the biometric sharing platform executes the first verification program P1, and determines whether to reject the transaction request according to the verification result; wherein the first verification program P1 authenticates the user's identity through the client device, and the related operations will be described later in FIG. When the biometric sharing platform has the second pre-stored facial image corresponding to the financial account, refer to step S6: the biometric sharing platform executes the second verification program P2, and determines whether to reject the transaction request according to the verification result; wherein the second verification program P2 The user's identity is verified again with the second pre-stored facial image, and the related operation will be illustrated in FIG. Further, it is to be added that when the above method is performed by the identity verification system for financial transactions shown in FIG. 1A, steps S2 to S5 are executed by the processor 22.

Please refer to Figure 3. FIG. 3 is a flow chart of the first verification program P1 shown in FIG. 2. Please refer to step S51: the biometric sharing platform transmits a confirmation message to the client device corresponding to the financial account; wherein the client device may be a mobile device. When the user equipment receives the confirmation message, please refer to step S52: the user equipment transmits the machine information to the biometric sharing platform; wherein the machine information is used for determining by the biometric sharing platform, and operating the financial transaction device User, whether his identity corresponds to a financial account. For example, when the biometric sharing platform does not have the second pre-stored facial image corresponding to the financial account, the user equipment of the corresponding financial account may be searched from the database, and the QR code is transmitted to the financial transaction device. As a machine information. In addition, the machine information may also be a bank branch name, a super-commerce branch, etc. that sets the cash dispenser to identify the location of the cash dispenser. On the other hand, when the financial transaction device is a privately used device (for example, a mobile phone or a laptop), the client device can directly return the current geographic location to the biometric sharing platform.

When the biometric sharing platform receives the machine information, refer to step S53: the biometric sharing platform determines whether the machine information corresponds to the financial transaction device to confirm whether the user identity of the financial transaction device is corresponding to the financial account. When the biometric sharing platform determines that the machine information does not correspond to the financial transaction device, it indicates that the financial account may be stolen, and the biometric sharing platform rejects the transaction request (same step S3 of FIG. 1). On the other hand, when the biometric sharing platform determines that the machine information corresponds to the financial transaction device, then step S54 is followed: the biometric sharing platform agrees to the transaction request and stores the instant facial image. Here, when the user performs the transaction using the financial account next time, the stored instant facial image can be used as the first pre-stored facial image, and the original first pre-stored facial image is used as the second pre-stored facial image. .

In addition, in an embodiment, when the biometric sharing platform determines that the machine information corresponds to the financial transaction device, and the second pre-stored facial image does not conform to the instant facial image, the second pre-stored facial image and the instant face are indicated. The image difference is too large; compared with the first pre-stored face image, the second pre-stored face image has no reference value. Therefore, the biometric sharing platform can delete the second pre-stored facial image.

Please refer to Figure 4. 4 is a flow chart of the second verification program P2 shown in FIG. 2. Please refer to step S61: the biometric sharing platform determines whether the difference between the time when the instant facial image is received and the first time is greater than a preset value. Specifically, this step is used to determine whether the financial account has not been used for a period of time, so the preset value can be set to be between one and five years (most banks and financial institutions judge whether they will live depositors) Time condition for conversion to a stationary account). When the biometric sharing platform determines that the difference value is not greater than the preset value, refer to step S62: the biometric sharing platform determines whether the similarity between the second pre-stored facial image and the instant facial image is greater than a second threshold; wherein the second threshold is associated The time difference between the first time and the second time. For example, when the time difference between the first time and the second time is larger, the second threshold may correspond to a lower similarity to reduce the chance of facial image misjudgment. On the other hand, when the biometric sharing platform determines that the difference value is greater than the preset value, it indicates that the financial account has not been used for a period of time, and the risk of being stolen is high, so the biometric sharing platform rejects the transaction request (the same step as in FIG. 1) S3).

Step S62 of Fig. 4 is taken. When the similarity between the second pre-stored facial image and the real-time facial image is not greater than the second threshold, proceed to step S63: the biometric sharing platform executes the first verification program P1; wherein the detailed description of the first verification program P1 can be referred to 3 and related paragraphs, the description will not be repeated here. When the similarity between the second pre-stored facial image and the instant facial image is greater than the second threshold, the biometric sharing platform agrees to the transaction request and stores the instant facial image (same step S54 of FIG. 3). In addition, the stored instant facial image will be the first pre-stored facial image when the financial account transmits the transaction request next time.

In summary, the identity verification system for financial transactions proposed by the present invention can provide different comparison thresholds according to the storage time of facial images, so as to reduce the false positive rate of facial recognition; and after the identity verification is passed, Stores the latest instant face images and deletes old face images that have no reference value, providing a more efficient way to update face images. In addition, the identity verification system for financial transactions proposed in this creation can decide whether to agree to the transaction and effectively reduce the risk of fraudulent use.

Although the present invention has been disclosed above in the foregoing embodiments, it is not intended to limit the present invention. The changes and refinements that are made without departing from the spirit and scope of this creation are within the scope of patent protection of this creation. Please refer to the attached patent application scope for the scope of protection defined by this creation.

1‧‧‧Financial transaction device  11‧‧‧ camera  2‧‧‧Biometric sharing platform  21‧‧‧Database  22‧‧‧ Processor  P1‧‧‧ first verification procedure  P2‧‧‧Second verification procedure  

1A is a block diagram of an identity verification system for financial transactions in accordance with an embodiment of the present invention.  FIG. 1B is a schematic diagram of the use of an identity verification system for financial transactions according to an embodiment of the present invention.  2 is a flow chart of an identity verification method for financial transactions according to an embodiment of the present invention.  3 is a detailed flow chart of the identity verification method for financial transactions shown in FIG. 2.  4 is a detailed flow chart of the identity verification method for financial transactions shown in FIG. 2.  

Claims (5)

An identity verification system for financial transactions, comprising: a financial transaction device, configured to receive and transmit an instant facial image and a transaction request associated with a financial account, wherein the financial transaction device includes a camera, the camera The device is configured to obtain the instant facial image when the financial transaction device receives the transaction request; and a biometric sharing platform, connect the financial transaction device to the financial transaction device, and receive the instant facial image and the transaction request, wherein the biometric identification is shared The platform includes: a database for storing a first pre-stored facial image corresponding to the financial account at a first time, and storing a second pre-stored facial image corresponding to the financial account at a second time, wherein the platform The second time is earlier than the first time; and a processor is connected to the database for searching the database for the first pre-stored facial image corresponding to the financial account, and determining the first pre-stored facial image Whether the similarity with the instant facial image is greater than a first threshold, wherein the processor is in the first pre-stored facial image and the instant face If the similarity of the image is not greater than the first threshold, the transaction request is rejected, and when the similarity between the first pre-stored facial image and the instant facial image is greater than the first threshold, determining whether the database has a corresponding financial The second pre-stored facial image of the account, wherein the processor performs a first verification process when determining that the database does not have the second pre-stored facial image corresponding to the financial account, and determines that the database has a corresponding When the second pre-stored face image of the financial account is executed, a second verification process is executed. The identity verification system of claim 1, wherein the processor is configured to transmit a confirmation message to a client device corresponding to the financial account when the first verification process is executed, and to receive the transmission by the client device a machine information, and determining whether the machine information corresponds to a financial transaction device, wherein the processor rejects the transaction request when determining that the machine information does not correspond to the financial transaction device, and determines that the machine information is corresponding to When the financial transaction device, the transaction request is approved and the instant face image is stored. The identity verification system of claim 1, wherein the database further comprises a preset value, wherein the preset value is used by the processor to determine a difference between a time when the instant facial image is received and the first time. Whether the value is greater than the preset value, when the processor determines that the difference value is not greater than the preset value, determining whether the similarity between the second pre-stored facial image and the instant facial image is greater than the second threshold, and The processor rejects the transaction request when determining that the difference value is greater than the preset value. The identity verification system of claim 3, wherein the processor performs the first verification process when determining that the similarity between the second pre-stored facial image and the instant facial image is not greater than the second threshold, and When the processor determines that the similarity between the second pre-stored facial image and the instant facial image is greater than the second threshold, the processor agrees to the transaction request and stores the instant facial image. The identity verification system of claim 4, wherein the processor deletes the second pre-stored facial image from the database when determining that the machine information corresponds to the financial transaction device.