TWM592131U - Characteristic encoding system and internet bank service system applying the same - Google Patents

Abstract

A feature encoding system, by receiving a seal image and a face image; obtaining a seal image from the seal image according to a first extraction condition, and extracting a plurality of first features of the seal image; according to a second extraction condition Obtain a facial image from the facial image and capture multiple second features of the facial image; superimpose the stamp image and the facial image according to preset conditions to form a superimposed image; and A feature and the distribution position of the second features in the superimposed image are subjected to a feature analysis encoding process to generate feature encoding information. Therefore, the feature encoding system can reconstruct the seal image and the face image to obtain feature encoding information, thereby improving the security of identity verification during subsequent derivative applications.

Description

Feature coding system and internet banking service system using it

This creation relates to a coding system and a service system using it, especially a feature coding system and an online banking service system using it.

With the continuous development and improvement of computer technology, bank depositors can use computers, mobile phones and other terminal devices to conduct online transfers, purchase foreign currencies, fixed deposits, cardless withdrawals or payment services through online banking. Depositors only need to enter The registered payment password or the One Time Password (OTP) included in the newsletter can complete the operations of these services.

However, due to security considerations and requirements, some businesses that require higher security requirements, such as credit card applications, credit applications, guarantees and data modification, depositors cannot directly use lower-level facial photos through online banking /Image recognition and higher-level biometrics identification and other identification methods for identity verification and subsequent processing operations require depositors to apply in person at the counter before the bank can process the operations, and the working hours of many depositors also conflict with the bank’s business hours , It is not easy to get empty for the counter application operation.

To sum up, it can be seen that there is a problem of insufficient security of verification in the prior art, and some banking businesses still need depositors to apply in person at the counter. Therefore, it is necessary to propose improved technical means to solve this problem.

This creation discloses a feature coding system and an internet banking service system using it.

First, the present invention discloses a feature encoding system, which includes: a transmission and reception module, an image acquisition module, a feature extraction module, a superposition module, and a processing module. Among them, the transmission and reception module is used to receive the seal image and face image, and to transmit feature encoding information; the image acquisition module is used to obtain the seal image in the seal image according to the first acquisition condition, and according to the second acquisition condition Obtain facial images from human face images; feature extraction module to capture multiple first features of seal images and multiple second features to capture facial images; overlay module to base A predetermined condition is to superimpose the stamp image and the face image to form a superimposed image; and the processing module is used to perform features according to the distribution positions of the first features and the second features in the superimposed image Analyze the coding process to generate characteristic coding information. Among them, the image acquisition module is connected to the transmission and reception module, the feature acquisition module is connected to the image acquisition module, the superposition module is connected to the feature acquisition module and the image acquisition module, and the processing module is connected to the transmission and reception module and superposition Module and feature extraction module.

In addition, the author discloses an internet banking service system using a feature encoding system, which includes: a mobile terminal, a feature encoding information database, an internet banking server and a feature encoding system, wherein the internet banking server is connected to the mobile terminal, Feature coding information database and feature coding system. The mobile terminal includes an application program, a control module, an image shooting module and a transmission module. The control module is used to output a control signal when the mobile terminal executes the application program and receives an application service signal; the image shooting module is used to After receiving the control signal, the seal image and the face image are taken; the transmission module is used to transmit the application service signal, the user information of the user of the mobile terminal, the seal image and the face image. The feature code information database is used to store the first feature code information corresponding to each user information. The online banking server includes a first transmission and reception module, a judgment module, a verification module and an execution module. The first transmission and reception module is used to receive application service signals, user information, seal images and people from the mobile terminal Face image, Transmit the seal image and face image to the feature encoding system, and receive the second feature encoding information from the feature encoding system; the verification module is used to find the corresponding first feature in the feature encoding information database based on the user information from the mobile terminal Encoding information, and comparing the first feature encoding information with the second feature encoding information to output the approximation; the execution module is used to execute the transaction instruction corresponding to the application business signal when the approximation exceeds the expected value. The feature encoding system includes a second transmission and reception module, an image acquisition module, a feature acquisition module, a superposition module, and a processing module. The second transmission and reception module is used to receive the seal image from the online banking server and Face image, and transmit the second feature encoding information to the internet banking server; the image acquisition module is used to obtain the seal image in the seal image according to the first acquisition condition, and the face image according to the second acquisition condition The facial image is acquired in the feature; the feature extraction module is used to capture a plurality of first features of the stamp image and the second features of the captured face image; the superposition module is used to superimpose according to the preset conditions The seal image and the face image are combined to form a superimposed image; the processing module is used to perform a feature analysis coding process according to the distribution positions of the first features and the second features in the superimposed image, Generate second feature encoding information. Among them, the image shooting module is connected to the control module, the transmission module is connected to the image shooting module, the Internet banking server is connected to the mobile terminal and the feature encoding information database, the verification module is connected to the first transmission and reception module, and the module connection is executed The verification module and the first transmission and reception module, the feature coding system is connected to the Internet banking server, the image acquisition module is connected to the second transmission and reception module, the feature acquisition module is connected to the image acquisition module, and the overlapping module connection feature The capture module and the image capture module, the processing module is connected to the second transmission module, the superposition module and the feature capture module.

The feature encoding system disclosed in this creation and the Internet banking service system applying it are as above. The difference from the previous technology lies in the design of the feature encoding system. The feature encoding system can superimpose the seal image and the face image according to the preset conditions. To form a superimposed image; and according to the first features and the A feature analysis coding process is performed on the distribution position of the second feature in the superimposed image to generate feature encoding information.

Through the above-mentioned technical means, this creation can reconstruct the seal image and the face image to obtain feature encoding information, thereby improving the security of identity verification during subsequent derivative applications.

10: Seal image

12: Seal image

20: Face image

22: Face image

30: superimposed images

32: Area image

50: Feature coding information database

60: Network communication system

100: Internet banking service system

110: mobile terminal

112: Application

114: control module

116: Image shooting module

118: Transmission module

120: Internet Banking Server

122: The first transceiver module

124: Verification module

126: Execution module

128: judge module

130: Feature coding system

131: Second transmission module

132: Image acquisition module

133: Feature extraction module

134: Stacking module

135: Processing module

Step 210: Provide a mobile terminal, a feature encoding information database, an internet banking server, and a feature encoding system, where the mobile terminal includes an application program, a control module, an image shooting module, and a transmission module, and the internet banking server includes First transmission module, verification Module and execution module, the feature coding system includes a second transmission module, an image acquisition module, a feature extraction module, a superposition module and a processing module

Step 220: The feature code information database stores the first feature code information corresponding to each user information

Step 230: When the mobile terminal executes the application program and receives the application service signal, the control module outputs a control signal

Step 240: After the image capture module receives the control signal, it captures the seal image and the face image

Step 250: The transmission module transmits the application service signal, the user information of the user of the mobile terminal, the seal image and the face image

Step 260: The first transmission and reception module receives the application service signal, user information, seal image and face image from the mobile terminal, and transmits the seal image and face image to the second transmission and reception module

Step 270: After the second transmission and reception module receives the seal image and the face image from the Internet banking server, the image acquisition module obtains the seal image in the seal image according to the first capture condition, and according to the second capture Conditional acquisition of facial images in facial images

Step 280: The feature extraction module captures multiple first features of the seal image and multiple second features of the facial image

Step 290: The superimposing module superimposes the stamp image and the face image according to the preset conditions to form a superimposed image

Step 300: The processing module performs a feature analysis encoding process according to the distribution positions of the first features and the second features in the superimposed image to generate second feature encoding information

Step 310: The second transmitting and receiving module transmits the second characteristic encoding information

Step 320: After the first transmission and reception module receives the second feature code information, the verification module finds the corresponding first feature code information in the feature code information database according to the user information from the mobile terminal, and compares the first feature code Information and the second feature encoding information to output similarity

Step 330: When the approximation exceeds the expected value, the execution module executes the transaction instruction corresponding to the application business signal

Figure 1 is a system block diagram of an embodiment of an online banking service creation system.

FIG. 2A and FIG. 2B are flowcharts of an embodiment of an online banking service method performed by the online banking service system of FIG. 1.

FIG. 3A is a schematic diagram of an embodiment of the seal image in step 240 of FIG. 2A.

FIG. 3B is a schematic diagram of an embodiment of the face image in step 240 of FIG. 2A.

FIG. 4A is a schematic diagram of an embodiment of the stamp image in step 270 of FIG. 2B.

FIG. 4B is a schematic diagram of an embodiment of the face image in step 270 of FIG. 2B.

FIG. 5 is a schematic diagram of an embodiment of superimposed images in step 290 of FIG. 2B.

FIG. 6 is a schematic diagram of an embodiment of cutting a superimposed image into a plurality of area images in step 300 of FIG. 2B.

Before describing the feature coding system disclosed in this creation and the online banking service system applying it, first describe the terms defined by this creation. The online banking service system using the feature encoding system described in this creation includes The various modules of the mobile terminal, Internet banking server and feature coding system can mainly be realized by hardware, and can be coordinated with software or firmware. its In the implementation, the technology proposed in the implementation uses software or firmware that can be stored on machine-readable storage media, such as: read only memory (ROM), random access memory (RAM), disk storage media, optical storage media , Flash memory devices, etc., and can be executed by one or more general or special programmable microprocessors. The mobile terminal described in this creation is equipped with an application program, which can be used to log in to the Internet bank and execute the application program with the account and password of the Internet bank owned by its user and through the network communication system, for example: Internet, LAN , Wide area network and/or wireless network, communicate with the internet banking server to transfer messages and data. Copper transmission cables, optical fiber transmission, wireless transmission, routers, firewalls, switches, gateway computers, and/or edge servers can be used to transfer information and data between the Internet banking server and the feature encoding system, making the Internet banking server The device and the characteristic coding system can communicate with each other to carry out the transmission of information and data.

In the following, the implementation of the creation will be described in detail with reference to the drawings and examples, so as to fully understand and implement the implementation process of how the creation uses technical means to solve technical problems and achieve technical efficacy.

Please refer to "Picture 1", "Picture 2A" and "Picture 2B" first. "Picture 1" is a system block diagram of an embodiment of an online banking service creation system. "Picture 2A" and "Picture 2" "Figure 2B" is a method flowchart of an embodiment of an online banking service method of the "Figure 1" network banking service system. The internet banking service system 100 includes a feature code information database 50, a mobile terminal 110, an internet bank server 120, and a feature code system 130. Among them, the mobile terminal 110 may include an application program 112, a control module 114, an image shooting module 116 and a transmission module 118, and the internet banking server 120 may include a first transmission and reception module 122, a verification module 124 and an execution module Group 126, the feature encoding system 130 may include a second transmission module 131, an image acquisition module 132, a feature extraction module 133, a superposition module 134, and a processing module 135 (ie, step 210). The mobile terminal 110 may be, but not limited to, a portable electronic device, such as a smart hand Machine or tablet. In addition, the image capture module 116 is connected to the control module 114, the transmission module 118 is connected to the image capture module 116, the internet banking server 120 is connected to the mobile terminal 110 and the feature encoding information database 50, and the verification module 124 is connected to the first transmission The receiving module 122, the execution module 126 connect the verification module 124 and the first transmitting and receiving module 122, the feature encoding system 130 connects to the Internet banking server 120, and the image acquiring module 132 connects to the second transmitting and receiving module 131. The capture module 133 is connected to the image acquisition module 132, the superposition module 134 is connected to the feature capture module 133 and the image acquisition module 132, and the processing module 134 is connected to the second transmission module 131, the superposition module 134 and Feature extraction module 133.

In this embodiment, the mobile terminal 110 is configured with an application 112, that is, an online banking application developed by a bank opened by a user (ie, depositor) of the mobile terminal 110. The mobile terminal 110 can log in to the Internet Banking by executing the application 112 and using the Internet Banking account and password of its user and communicate with the Internet Banking Server 120 through the network communication system 60 for message and data communication. Transfer, in which the user of the mobile terminal 110 can apply for online banking based on his deposit account after opening an account, and then obtain the account and password of his online banking.

In step 220, the feature code information database 50 may store the first feature code information corresponding to each user information. Among them, each user information is related information for identifying the identity of each depositor. In more detail, when the user (ie, depositor) of the mobile terminal 110 opens an account, it will provide the bank to retain the account opening seal image (ie, seal image) and shoot the account opening image (ie, face image). Therefore, feature encoding The system 130 performs the following procedures from step 270 to step 300 on the account opening seal image (ie, the seal image) and the depositor image (ie, the face image) that are retained when the account is opened, to generate the first feature encoding information corresponding to each depositor (ie The first feature code information corresponding to each user information), and the feature code information database 50 is a database for storing the user information and the corresponding first feature code information. It should be noted that the difference between the first feature encoding information and the second feature encoding information The only difference is that the first feature code information is obtained from the account opening seal image (ie, the seal image) and the depositor image (ie, the face image) that are retained when the account is opened, as in the subsequent steps 270 to 300, and the second feature code information It is obtained from the seal image and the face image taken when applying for business through Internet banking through the procedures of subsequent steps 270 to 300. The procedures of steps 270 to 300 will be described in detail later.

In step 230, when the mobile terminal 110 executes the application 112 and receives the application service signal, the control module 114 outputs a control signal. In more detail, the mobile terminal 110 may include a display touch module (not shown). When a user of the mobile terminal 110 wants to apply for a business with high security requirements (for example, credit card application), the mobile terminal 110 can operate the display of the mobile terminal 110 The touch module enables the mobile terminal 110 to execute the application program 112, and the user of the mobile terminal 110 can enter the account and password of the Internet bank applied for after opening the account to log in to the Internet bank and connect to the Internet bank server 120, and then , The user of the mobile terminal 110 can see a plurality of business bidding options on the user operation interface displayed by the display touch module, and the user of the mobile terminal 110 can click on the business bidding option corresponding to the business he wants to bid for, so that The mobile terminal 110 receives the operation that triggers the service bidding option (ie, receives the application service signal), and the control module 114 can correspondingly output a control signal to the image capturing module 116.

In step 240, after receiving the control signal, the image capturing module 116 may capture the user's seal image 10 and face image 20. More specifically, after the mobile terminal 110 receives an operation that triggers the service bidding option, the control module 114 can activate the image capture module 116 to cause the display touch module to display the capture screen. In the process of the image capturing module 116 capturing the seal image 10 and the user's face image 20, the user's seal image 10 may be captured first, and then the user's face image 20 may be captured, or the user's person may be captured first. Face image 20, and then shoot the user's seal image 10, the shooting sequence of the user's seal image 10 and the face image 20 (that is, the order in which the seal and the face are shot) can be changed according to actual needs or settings OK. It should be noted that when shooting the seal image 10, the shooting screen displayed by the display touch module may have a seal framing frame, and the seal framing frame may be, but not limited to, a square, a circle, or an ellipse, to assist the user in Position and shoot the front image of the seal (namely seal image 10). In other words, the seal image 10 is an image with a complete seal outline through the seal framing frame (as shown in "Figure 3A", "Figure 3A" is " (A schematic diagram of an embodiment of the seal image in step 240 of FIG. 2A); when shooting a face image 20, the shooting screen displayed by the display touch module may have a face framing frame, and the face framing frame may be Not limited to goose egg shape, round face shape, long face shape, inverted triangle shape, heart shape, diamond shape, triangle shape, quadrilateral shape or rectangle shape, to assist the user to align and take a frontal image of the face (ie face image 20), in other words In other words, through the face framing frame, the face image 20 is an image with a complete living face contour (as shown in "Figure 3B", "Figure 3B" is the face image in step 240 of "Figure 2A" A schematic diagram of an embodiment).

In step 250, the transmission module 118 may transmit the application service signal, the user information of the user of the mobile terminal 110, the seal image 10 and the face image 20 to the Internet banking server 120. Among them, the application service signal may correspond to the service bidding option selected by the user of the mobile terminal 110; the user information may correspond to the identification data of the user of the mobile terminal 110 to identify the user's identity, which may include but not limited to User's online banking account.

In step 260, the first transmitting and receiving module 122 can receive the application service signal, user information, seal image 10 and face image 20 from the mobile terminal 110, and transmit the seal image 10 and face image 20 to the feature encoding system The second transmitting and receiving module 131 of 130 is used to perform the subsequent feature analysis coding process, which will be described in detail later.

In step 270, after the second transmitting and receiving module 131 can receive the seal image 10 and the face image 20 from the online banking server 120, the image acquisition module 132 can perform the seal image based on the first capture condition The seal image 12 is obtained in the image 10, and the face image 22 is obtained in the face image 20 according to the second capture condition. The first acquisition condition is that the outer frame of the seal is the boundary line of the seal image 12, and the second extraction condition is that the face contour is the boundary line of the face image 22. In other words, the seal image 12 includes only the frame of the seal and its seal (as shown in "Figure 4A", "Figure 4A" is an embodiment of the seal image in step 270 of "Figure 2B" Schematic diagram), the facial image 22 only includes facial contours, eyes, eyebrows, nose and mouth (as shown in "Figure 4B", "Figure 4B" is the face image in step 270 of "Figure 2B" Schematic diagram of an embodiment).

In step 280, the feature extraction module 133 may capture multiple first features of the stamp image 12 and multiple second features of the facial image 22. The feature extraction module 133 can extract the first features of the seal image 12 based on the seal structure (for example: the end point of each word, the transition point of the stroke and the intersection of the stroke, in this embodiment, A total of thirty-nine first features, the first feature is represented by the gray-scale X symbol in "Figure 4A"), the feature extraction module 133 can be based on facial-feature-point recognition algorithms (feature-based recognition algorithms ) Capture the second features of the face image 22 (for example: eyes, nose, mouth, eyebrows), but this embodiment is not intended to limit this creation, and can be adjusted according to actual needs.

In step 290, the superimposing module 134 can superimpose the stamp image 12 and the face image 22 according to preset conditions to form a superimposed image 30 (as shown in "Figure 5", "Figure 5" (It is a schematic diagram of an embodiment of superimposed images in step 290 of "Figure 2B"). The preset condition may be that any edge of the outer frame in the seal image 12 (that is, the seal is square) is aligned with the line of the eyebrows in the face image 22, but this embodiment is not intended to limit the creation, for example When the seal is circular, the preset condition may be that the highest point above the outer frame in the seal image 12 is located on the line of the eyebrows in the face image 22. It should be noted that, in this embodiment, the superimposing module 134 can superimpose the stamp image 12 and the face image 22 according to its preset image size The size adjusts the seal image 12 and the face image 22 to enlarge or reduce respectively, so that the relative proportion between the seal image 12 and the face image 22 is a fixed preset value.

In step 300, the processing module 135 may perform a feature analysis encoding process according to the distribution positions of the first features and the second features in the superimposed image 30 to generate second feature encoding information. The feature analysis coding program may include the following steps: The processing module 135 may cut the superimposed image 30 into a plurality of area images 32 according to the segmentation conditions (as shown in "Figure 6", "Figure 6" is " (A schematic diagram of an embodiment of cutting the superimposed image into a plurality of area images in step 300 of FIG. 2B), and according to the number of first features and the number of second features in each area image 32 Encoding to generate second characteristic encoding information. The segmentation condition may be, but not limited to, the segmentation into four area images 32, which are the eyebrow block, the eye block, the nose block, and the mouth block, respectively. In this embodiment, there are two first features in the eyebrow block and two second features (that is, two eyebrows), so the code of the eye block can be 022; the first feature in the eye block There are eleven features and two second features (that is, two eyes), so the eye block can be coded as 112; there are fifteen first features in the nose block and one second feature (ie A nose), so the code of the nose block can be 151; the first feature in the mouth block has eleven and the second feature has one (ie, a mouth), so the code of the mouth block can be 111. Therefore, the second feature encoding information can be arranged in the order of eyebrow block, eye block, nose block and mouth block, which can be 022112151111. It should be noted that when the number of area images 32 is too large, the encoding result will be more complicated, thereby improving the accuracy of comparing the first feature encoding information with the second feature encoding information in the subsequent step 320; when the number of area images 32 Too little will make the encoding result simpler, thereby reducing the accuracy of comparing the first feature encoding information with the second feature encoding information in the subsequent step 320.

In step 310, the second transmitting and receiving module 131 can transmit the second characteristic encoding information to the online banking server 120. In step 320, after the first transceiver module 122 can receive the second characteristic encoding information, The verification module 124 can find the corresponding first feature encoding information in the feature encoding information database 50 according to the user information from the mobile terminal 110, and compare the first feature encoding information with the second feature encoding information to output an approximation. For example, when the first feature encoding information can be 022122141111 and the second feature encoding information can be 022112151111, the approximation of the output of the first transceiver module 122 can be about 83% (that is, two of the twelve numbers The numbers are different). Since overlapping the stamp image 12 and the face image 22 may cause an error, and there may be an error when dividing the overlapping image 30, the approximate degree is usually not 100% (ie, the same).

In step 330, when the approximation exceeds the expected value, the execution module 126 can execute a transaction instruction corresponding to the application service signal. Among them, the predicted value may be but not limited to 80%. In more detail, when the approximation exceeds the expected value, the user representing the mobile terminal 110 (ie, depositor) passes the identity verification based on the seal image 10 and the face image 20 captured by him, and the execution module 126 can perform the corresponding application business Signal trading instructions.

Through the above procedures from step 270 to step 300 (that is, the design of the feature encoding system), the seal image 10 and the face image 20 can be reconstructed to obtain the corresponding feature encoding information. When the feature encoding system 130 applies Internet banking services The system 100 can enhance the security of identity verification to solve the problem of insufficient security of verification in the prior art, which causes some banking businesses to still require depositors to apply in person at the counter. It should be noted that if there is no causality between the above steps, this creation does not limit the order of execution.

In this embodiment, the internet banking server 120 may further include a judgment module 128 connected to the first transmission/reception module 122, which can be used to receive and judge whether the facial image 20 from the mobile terminal 110 meets the living condition. When the module 128 determines that the facial image 20 meets the living condition, the first transmitting and receiving module 122 transmits the seal image 10 and the facial image 20 to the feature encoding system 130. Among them, living conditions include images The face image 20 shot by the shooting module 116 exists in a living body. In more detail, the judgment module 128 can build a living body such as a depth image by reflecting light on the face of the face based on the optical flow algorithm, based on the flaws in the picture (moiré, imaging deformity, etc.) or based on the principle of three-dimensional structured light imaging The identification method analyzes whether there is a living body in the face image 20, so as to effectively prevent fraudulent behaviors such as the second remake of the user's photo, and improve the security of identity verification.

In this embodiment, before the first transmission module 122 transmits the seal image 10 and the face image 20 to the feature encoding system 130, in addition to the judgment module 128 determining that the face image meets the living conditions, it may also include a verification module 124 After verifying that the seal image 10 and the face image 20 are passed, the detailed description is as follows. The feature code information database 50 can also store the account opening seal image and the depositor image corresponding to each user information, and the verification module 124 can also be used to find a corresponding one in the feature code information database 50 based on the user information from the mobile terminal 110 Account seal image and depositor image, and seal seal image 10 is verified by seal recognition technology based on account seal image, and face image 20 is verified by face recognition technology based on depositor image. When seal image 10 and face image 20 are verified, it represents movement The user (ie, depositor) of the terminal 110 passes the initial identity verification based on the seal image 10 and the face image 20 captured by him, and the first transmitting and receiving module 122 can transmit the seal image 10 and the face image 20 to the feature encoding system 130 , To facilitate subsequent advanced identity verification (ie, steps 270 to 330).

In this embodiment, when the transmission module 118 can transmit the application service signal to the online banking server 120, it can also transmit the location information of the mobile terminal 110, and the verification module 124 can also be used to verify whether the location information meets the restriction conditions. The restrictive conditions may be the conditions set by the depositor when opening the account (since the seal is usually not carried on the body, so when using the online banking service method of this creation to apply for business, usually the depositor may store the seal). Therefore, the execution module 126 executes the corresponding application business letter In addition to the approximation exceeding the expected value, the previous summary of the transaction instruction of No. 1 can also include location information that meets the restriction conditions to further enhance the security of verification.

In summary, it can be seen that the difference between this creation and the prior art lies in the design of the feature encoding system. The feature encoding system can superimpose the seal image and the face image according to preset conditions to form a superimposed image; and based on The distribution of the first features and the second features in the superimposed image is subjected to a feature analysis and encoding process to generate feature encoding information, which can be used to reconstruct the seal image and the face image by a technical means. In order to obtain characteristic coding information, the security of identity verification in subsequent derivative applications is improved.

Although this creation is disclosed as above with the foregoing embodiments, it is not intended to limit this creation. Anyone who is familiar with similar arts and crafts can make some changes and retouching without departing from the spirit and scope of this creation. The scope of patent protection shall be determined by the scope of the patent application attached to this specification.

50: Feature coding information database

60: Network communication system

100: Internet banking service system

110: mobile terminal

112: Application

114: control module

116: Image shooting module

118: Transmission module

120: Internet Banking Server

122: The first transceiver module

124: Verification module

126: Execution module

128: judge module

130: Feature coding system

131: Second transmission module

132: Image acquisition module

133: Feature extraction module

134: Stacking module

135: Processing module

Claims (8)

A feature encoding system, including: a transmitting and receiving module for receiving a seal image and a face image, and transmitting a feature encoding information; an image acquiring module, connected to the transmitting and receiving module, according to a first An acquisition condition acquires a seal image in the seal image, and acquires a face image in the face image according to a second acquisition condition; a feature extraction module is connected to the image acquisition module, It is used to capture multiple first features of the seal image and multiple second features of the face image; a superposition module connects the feature extraction module and the image acquisition module, Superimposing the stamp image and the face image according to a preset condition to form a superimposed image; and a processing module connected to the transceiving module, the superimposed module and the feature extraction The module is used for performing a feature analysis coding process according to the distribution positions of the first features and the second features in the superimposed image to generate the feature encoding information. The feature encoding system according to item 1 of the patent application scope, wherein the feature analysis encoding process includes: the processing module cuts the superimposed image into a plurality of area images according to a segmentation condition, and according to each The number of the first feature and the number of the second feature in the area image are encoded to generate the feature encoding information. An online banking service system, including: a mobile terminal, including: an application program; A control module for outputting a control signal when the mobile terminal executes the application and receives an application service signal; an image shooting module connected to the control module for receiving the control signal Then, shoot a seal image and a face image; and a transmission module connected to the image capture module for transmitting the application service signal, user information of a user of the mobile terminal, the seal image and the person Face image; a feature code information database for storing a first feature code information corresponding to each of the user information; an internet banking server connecting the mobile terminal and the feature code information database, which includes : A first transmitting and receiving module for receiving the application service signal, the user information, the seal image and the face image from the mobile terminal, and transmitting the seal image and the face image to a feature encoding system And receiving a second feature encoding information from the feature encoding system; a verification module connected to the first transmission and receiving module to find the feature encoding information database based on the user information from the mobile terminal Corresponding to the first feature encoding information, and comparing the first feature encoding information and the second feature encoding information to output an approximation; and an execution module, connecting the verification module and the first transmission module Group to execute a transaction instruction corresponding to the application for the business signal when the approximation exceeds a predicted value; and The feature encoding system, connected to the online banking server, includes: a second transmission and reception module for receiving the seal image and the face image from the online banking server, and transmitting the second feature Encoding information to the internet banking server; an image acquisition module connected to the second transmission module for acquiring a seal image in the seal image according to a first acquisition condition, and based on a second The acquisition condition acquires a face image from the face image; a feature extraction module is connected to the image acquisition module to capture multiple first features of the seal image and extract the face A plurality of second features of the image; a superimposing module, connecting the feature capturing module and the image acquiring module, for superimposing the stamp image and the face image according to a preset condition, Forming a superimposed image; and a processing module connected to the second transceiving module, the superimposed module and the feature extraction module, used for according to the first features and the second features A feature analysis encoding process is performed on the distribution position in the superimposed image to generate the second feature encoding information. The online banking service system according to item 3 of the patent application scope, wherein the online banking server further includes a judgment module connected to the first transmission and reception module for receiving and judging from the mobile terminal Whether the face image meets a living condition, when the judgment module judges that the face image meets the living condition, the first transmission and reception module transmits the seal image and the face image to the feature encoding system. The online banking service system according to item 3 of the patent application scope, wherein the feature analysis coding procedure includes: the processing module cuts the superimposed image into multiple area images according to a segmentation condition, and according to each A number of the first feature and a number of the second feature in the area image are encoded to generate the second feature encoding information. According to the internet banking service system described in item 3 of the patent application scope, wherein the feature code information database also stores an account opening image and a depositor image corresponding to each user information, the verification module is also used Based on the user information from the mobile terminal, find the corresponding account opening image and the depositor image in the feature encoding information database, and verify the seal image based on the account opening image, and verify the face image based on the depositor image After the verification of the seal image and the face image is passed, the first transmitting and receiving module transmits the seal image and the face image to the feature encoding system. According to the internet banking service system described in item 3 of the patent application scope, when the transmission module transmits the application service signal to the internet banking server, it also transmits a location information of the mobile terminal, and the verification module It is also used to verify whether the location information meets a restriction condition. When the approximation exceeds the expected value and the location information meets the restriction condition, the execution module executes the transaction instruction corresponding to the business signal. According to the internet banking service system described in item 3 of the patent application scope, wherein the feature extraction module extracts the first features of the seal image based on the seal structure.

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