TWM598988U - Operator authorization system for financial transactions - Google Patents

Abstract

An operator authorization system of financial transactions comprises an identification database, a face identification device, an identification comparison device, and an authorization device. The identification database stores a personal face built-in data and at least one related-person face built-in data. The face identification device receives a facial feature of an operator and outputs a face identification data. The identification comparison device receives the face identification data, and compares the face identification data with the personal face built-in data or the at least one related-person face built-in data to output a comparison result. The authorization device receives the comparison result. When the comparison result is consistent, a transaction permission instruction is output to a financial transaction system to allow the operator to perform the financial transaction.

Description

Operator authorization system for financial transactions

The present model relates to a facial recognition system for financial transactions, in particular to a system that grants specific transaction authority based on the facial features of different financial transaction operators.

Traditional financial transaction systems, such as automatic teller machines (ATM), can withdraw, deposit, transfer and pay fees to financial accounts by using magnetic stripe cards, chip financial cards or passbooks. However, with the rapid development of technology, the above-mentioned financial transaction systems have gradually begun to introduce third-factor verification, such as facial recognition (or face recognition), so that whether it is a customer conducting financial transactions or a unit that provides financial transactions, Both parties can obtain a considerable degree of protection in transaction security.

However, due to the introduction of the above-mentioned third factor verification, it is only possible to provide verification features such as facial features in real time, and even more restrictively, only the verification features of the person can perform subsequent financial transactions to be completed on a specific account. Therefore, how to provide a more convenient and customized identification transaction system while ensuring transaction security has become a problem to be solved in the field.

In order to solve the above problems, the present invention develops an operator authorization system for financial transactions. When different operators go to the above operator authorization system to handle financial transactions of an account, the facial features of each operator are identified through the above system. The above system compares the identified facial features with the account holder and its corresponding facial features, and/or the related person set by the holder and its corresponding facial features . According to the comparison result, those who meet the requirements will be granted the corresponding trading authority, and those who do not meet will not be able to grant the corresponding trading authority and stop any transaction at that time.

Specifically, the present invention provides an operator authorization system for financial transactions, including: an identification database, a face identification device, an identification comparison device, and an authorization device.

The aforementioned identification database stores the built-in data of the customer's own face and the built-in data of at least one related person's face of at least one related person.

The face recognition device receives the facial features of the operator, and outputs the facial recognition data of the facial features.

The recognition and comparison device receives the face recognition data, the built-in personal face data and the built-in face data of the at least one related person in the recognition database, and compares the facial recognition data with the personal face The built-in data or the above-mentioned built-in data of at least one related person's face are compared to output the comparison result.

The authorization device receives the comparison result. When the above-mentioned comparison result is consistent, output a transaction permission instruction to the financial transaction system to allow the above-mentioned operator's financial transaction. When the above comparison result is inconsistent, output an abnormal message to the above customer.

According to an embodiment, the recognition database further stores relationship data, and the authorization device compares the facial recognition data with any built-in data on the face of the at least one related person, and outputs the transaction permission instruction according to the relationship data, To allow financial transactions of the above operators.

According to another embodiment, the authorization device further receives the authorization message of the client himself, and outputs the transaction permission instruction according to the authorization message to allow the financial transaction of the operator.

According to another embodiment, the authorization device further outputs the face recognition data of the operator to the customer when the comparison result does not match.

According to another embodiment, the authorization device further receives the authorization message of the client himself, and outputs the transaction permission instruction according to the authorization message to allow the financial transaction of the operator.

According to another embodiment, the operator authorization system for the financial transaction further includes a data creation system, and the data creation system is communicatively connected to the identification database. And the aforementioned data creation system includes an internal database, a basic data device, and a face built-in device.

The internal database stores the relationship data of the customer, the complete facial features of the customer, and the complete facial features of at least one related person of at least one customer.

The aforementioned basic data device receives and outputs the aforementioned relational data to the aforementioned internal database.

The above-mentioned built-in face device receives the above-mentioned complete feature of the person’s face and the above-mentioned complete feature of the at least one related person’s face, and respectively outputs the above-mentioned built-in data of the person’s face and the at least one built-in data of the person’s face to the internal database.

According to another embodiment, the recognition database further stores the relationship data, and the authorization device compares the facial recognition data with the built-in data of any one of the at least one relationship person, and outputs the transaction permission based on the relationship data Instructions to allow financial transactions by the aforementioned operators.

According to another embodiment, the authorization device further receives the authorization message of the client himself, and outputs the transaction permission instruction according to the authorization message to allow the financial transaction of the operator.

According to another embodiment, the authorization device further outputs the face recognition data of the operator to the customer when the comparison result does not match.

Compared with the prior art, the present invention can further achieve the following effects:

(1) In addition to customers who can conduct transactions through the trading system, they can also authorize multiple related parties who are not the customers to conduct related financial transactions.

(2) By recognizing the facial features of the customer's related person, after the comparison, according to the identity of the different related person, further granting the corresponding transaction authority to conduct financial transactions with specific content.

(3) In addition to improving transaction security through facial recognition, the establishment of the qualification threshold and corresponding financial transaction restrictions on the basis of authorization protects the use of funds in the customer's own account and avoids excessive or illegal abnormal transactions. .

In view of the above-mentioned problems to be overcome, the present invention provides an operator authorization system for financial transactions, which captures the facial features of the operators of a financial transaction system (including the customers themselves and their related persons), and compares the facial features with the corresponding facial features. Compare to the built-in data of the face in the above system. If the aforementioned facial features of the operator match the built-in data corresponding to the internal face of the aforementioned system, the aforementioned system grants the aforementioned operator a specific authority, such as withdrawal amount limit, withdrawal period, etc., to restrict the aforementioned operation Financial transactions. The above-mentioned system provides a safe financial trading platform, and can protect the rights and interests of the above-mentioned operators, their corresponding accounts and their financial units, etc., and avoid exposure to a high-risk trading environment.

To illustrate the implementation of the present invention more clearly, please refer to FIG. 1. FIG. 1 is a schematic diagram of the structure of an operator authorization system for financial transactions in an embodiment of the present invention. The present invention provides an operator authorization system 400 for financial transactions, which includes an identification database 410, a face identification device 420, an identification comparison device 430, and an authorization device 440. Among them, the aforementioned system 400, recognition database 410, face recognition device 420, recognition and comparison device 430, and authorization device 440 can be independently any systems and devices capable of computing data and logical judgment, including desktop computers. , Laptops, smart phones, etc., or installed in the above systems and devices.

The above identification database 410 is further described as follows. Still referring to Figure 1, the aforementioned recognition database 410 is used to store the built-in face data of the customer 200, that is, the aforementioned built-in face data corresponds to the facial feature data of the customer 200. As the basis of comparison for subsequent facial recognition. The aforementioned identification database 410 is also used to store at least one built-in data of at least one related person 300 (please refer to FIG. 2, which is a schematic diagram of the architecture of the data creation system according to an embodiment of the new type). That is, as described above, the built-in data of the at least one related person's face is the facial feature data corresponding to the at least one related person 300, which is used as a comparison basis for subsequent facial recognition. Among them, the above-mentioned at least one related person 300 refers to a person who has any relationship with the above-mentioned customer 200, including blood, in-laws, power affiliation, or other relationships.

Among them, the built-in data of the customer's own face is the necessary information provided by the above-mentioned customer's 200 to a financial unit, such as a bank, in accordance with the format required by the above-mentioned bank during the initial application for financial business. And the above-mentioned at least one related person’s face built-in data is with the above-mentioned customer 200 to the above-mentioned financial unit. When the financial business is first applied for, the above-mentioned at least one related person 300 must be present at the same time for processing, and conform to the format required by the above-mentioned bank The necessary information provided.

The above two types of data are created through the built-in data system 500, and the above-mentioned built-in data system 300 is connected to the operator authorization system 400 of the above-mentioned financial transaction, and the above-mentioned two types of data of the built-in data system 300 , Synchronously update and save to the aforementioned identification database 410. The establishment of the above two kinds of data is described in detail as follows.

The above-mentioned built-in data system 500 is further described as follows. Please refer to FIG. 2, the aforementioned data built-in system 500 is communicatively connected to the aforementioned financial transaction operator authorization system 400. The aforementioned data built-in system 500 includes an internal database 510, a basic data device 520 and a face built-in device 530. Among them, the above-mentioned built-in data system 500, internal database 510, basic data device 520, and built-in face device 530 can all independently be desktop computers, laptops, smart phones, tablets, and digital cameras. Or other digital electronic devices, and any combination thereof, or installed in the above-mentioned devices.

The above-mentioned internal database 510 is further described as follows. Still referring to Figure 2, the aforementioned internal database 510, as mentioned above, receives and stores the aforementioned customer 200 to, for example, the aforementioned bank. When the first financial business application is made, the aforementioned customer 200 and the aforementioned at least one related person 300 respond to the requirements of the aforementioned bank The necessary relationship data provided in the format can correspond to the complete facial features of the above-mentioned customer 200 and at least one complete facial feature of at least one customer relationship person 300.

The basic data device 520 is further described as follows. Still referring to FIG. 2, the basic data device 520 provides the data fields and formats required by the bank to provide the data provided by the customer 200, so that the customer 200 can provide at least one of the above customers according to the instructions of the basic data device 520. The above relationship data between the related person 300 and the above customer 200. The basic data device 520 stores the input relationship data to the internal database 510. The above-mentioned relationship information may include the name, age, contact address, contact number, work status, annual income, marital status of the above-mentioned customer 200, and other information required by the above-mentioned bank.

Furthermore, the above-mentioned relationship data may include the relationship between the above-mentioned at least one related person 300 and the above-mentioned customer 200, and corresponding transaction medium restrictions (such as financial cards, passbooks, etc.) and transaction content restrictions (such as deposits) according to the above-mentioned relationship. , Withdrawal, transfer, payment, etc.), authorization period restrictions (e.g. permanent authorization, date/time interval, specific date, only once, etc.), transaction amount restrictions (e.g. monthly maximum amount, daily maximum amount, each time limit) Amount, etc.) and other transaction authorization restrictions.

For example, the above-mentioned customer 200 sets the first related person, the relationship between the above-mentioned first related person and the above-mentioned customer 200 is "spouse", his name is "Wang Damei", and the transaction medium corresponding to the first related person is restricted to "financial Card, passbook", operation transaction content is limited to "deposit, withdrawal, transfer, payment", authorization period is limited to "perpetual authorization", transaction amount is limited to "upper limit of NT$30,000", etc.

Or, for example, the customer 200 sets a second related person, the relationship between the second related person and the customer 200 is "father and son", his name is "Chen Xiaoming", and the transaction medium corresponding to the second related person is restricted to " "Financial Card", operational transaction content restrictions include "Withdrawal", authorization period is limited to "5-10 days per month", transaction amount is limited to "Maximum amount per time: NT$5,000", etc.

The above-mentioned built-in face device 530 is further described as follows. Still referring to FIG. 2, the above-mentioned face built-in device 530 receives the complete facial features of the above-mentioned client 200 and the above-mentioned at least the above-mentioned facial features through steps including facial image capture, face positioning, and facial image preprocessing. The complete feature of at least one related person's face of a customer relationship person 300, and the above-mentioned complete feature of the person's face is converted into the aforementioned built-in data of the person's face, and the complete feature of the aforementioned at least one related person's face is converted into the above-mentioned at least one relationship The human face has built-in data to be stored in the aforementioned internal database 510 respectively.

The above-mentioned face recognition device 420 is further described as follows. Please refer to FIG. 1 again. The aforementioned facial recognition device 420 is usually set in, for example, an ATM counter, when the operator 100 (that can include the customer 200 and the aforementioned at least one related person 300) goes to the aforementioned ATM counter for financial transactions When the operator 100 is required to provide facial features, the facial recognition device 420 receives the facial features of the operator 100. The facial recognition device 420 outputs the facial recognition data of the facial features based on the facial features.

The above-mentioned identification and comparison device 430 is further described as follows. Still referring to FIG. 1, the recognition and comparison device 430 receives the facial recognition data from the facial recognition device 420, and retrieves the built-in data of the person's face originally stored in the recognition database 410 and/or the At least one built-in face data of a related person to compare whether the above-mentioned facial recognition data matches the above-mentioned built-in face data of the person, and/or compare the above-mentioned face recognition data with the built-in face data of the at least one related person Whether it matches, and output a comparison result accordingly.

For example, when the facial recognition data is matched with the built-in personal facial data, it means that the operator 100 is the customer 200; therefore, the recognition and comparison device 430 outputs the facial recognition data confirmation A comparison result is correct, and the comparison result may further include explanatory text such as "the operator 100 is the customer 200".

Or, for example, when comparing the aforementioned facial recognition data with any one of the aforementioned at least one related person’s built-in data, it means that the aforementioned operator 100 is any of the aforementioned at least one related person 300; therefore, the aforementioned recognition ratio It is confirmed that the facial recognition data output by the device 430 is correct, and the comparison result may further include, for example, "the operator 100 is any of the at least one related person 300", "the operator 100 is the first Descriptive texts such as "Related person Wang Damei" or "The above operator 100 is the above second related person Chen Xiaoming".

Or, for example, when comparing the aforementioned facial recognition data with the aforementioned built-in facial data of the person does not match, and also does not match the built-in data of all the aforementioned at least one related person, output the aforementioned facial recognition data to confirm the discrepancy. result. The operator authorization system 400 for the above-mentioned financial transaction resumes the second half of the transaction authorization process according to the above-mentioned comparison result.

The above-mentioned authorization device 440 is further described as follows. Still referring to FIG. 1, receiving the above-mentioned comparison result from the above-mentioned identification and comparison device 430, and retrieves the above-mentioned relationship data originally stored in the above-mentioned identification database 410, and outputs a transaction based on the above-mentioned comparison result and the above-mentioned relationship data The permission instruction is sent to, for example, a financial transaction system 600 for subsequent transaction authorization. The above-mentioned financial transaction system 600 may be, for example, an ATM or a network ATM to further provide financial transactions such as deposits, withdrawals, transfers, or payment.

For example, when the comparison result from the identification and comparison device 430 is "the operator 100 is the customer 200", the authorization device 440 outputs a transaction permission instruction to a financial transaction system 600 to grant the operation The person 100 operates all the above-mentioned customers 200 through the above-mentioned financial transaction system 600 and is already subject to the transaction authority of the above-mentioned bank.

Or for example, when the comparison result from the identification and comparison device 430 is "the operator 100 is the first related person Wang Damei," the authorization device 440 outputs the relationship data corresponding to the first related person A transaction permission instruction is sent to a financial transaction system 600, and the above-mentioned operator 100 is granted to operate the corresponding transaction permission content through the above-mentioned financial transaction system 600. That is to say, as mentioned above, the authorization granted to the above-mentioned operator 100 includes the restriction of the transaction medium to "financial card, passbook", the restriction of operation transaction content to "deposit, withdrawal, transfer, payment", the restriction of authorization period to "perpetual authorization", and the restriction of transaction amount It is the transaction authority of "Maximum amount per time: NT$30,000".

Or for example, when the comparison result from the identification and comparison device 430 is "the operator 100 is the second related person Chen Xiaoming," the authorization device 440 outputs the relationship data corresponding to the second related person A transaction permission instruction is sent to a financial transaction system 600, and the above-mentioned operator 100 is granted to operate the corresponding transaction permission content through the above-mentioned financial transaction system 600. That is, as mentioned above, the authorization granted to the above-mentioned operator 100 includes the transaction medium limit is "financial card", the operation transaction content limit includes "withdrawal", the authorization period limit is "5-10 days per month", and the transaction amount limit is "each time Maximum amount: NT$5,000.” etc.

Or, for example, when the facial recognition data is not consistent with the built-in data of the person's face, and also does not match the built-in data of all the above at least one related person, the authorization device 440 will pass For example, a mobile device or various digital electronic devices output the facial recognition data and an abnormal message to the customer 200. The above-mentioned abnormal messages may include explanatory texts with the same or similar meanings such as "abnormal login in the trading system" or "please confirm the facial information of the current operator and select the transaction authority to be granted".

For another example, the above-mentioned customer 200 can also receive the above-mentioned abnormal message and the above-mentioned face recognition data through, for example, a mobile device or various digital electronic devices. The above-mentioned customer 200 can know through the above-mentioned abnormal message that the financial transaction system 600 has been subjected to a transaction operation that is not the above-mentioned customer 200 or any one of the above-mentioned at least one related person 300. In addition, the customer 200 can further learn about the operator 100 who operates the financial transaction system 600 and the facial recognition data through the facial recognition data.

Accordingly, the client 200 confirms the facial recognition data through, for example, a mobile device or various digital electronic devices, and outputs a personal authorization message to the authorization device 440. The authorization device 440 outputs a transaction permission instruction to the financial transaction system 600 according to the authorization message of the person to authorize the operator 100 to operate the corresponding transaction authority content through the financial transaction system 600. Wherein, the above authorization message may include, for example, the relationship between the customer 200 and the operator 100 (for example, the first related person or the second related person), and the corresponding authorized transaction authority (including restriction on transaction media, transaction Content restrictions, authorization period restrictions, and transaction amount restrictions). Or, when the customer 200 confirms and does not allow the operator 100 to operate any financial transaction related to the customer 200 through the financial transaction system 600, the authorization message does not include any authorization transaction authority.

For example, the client 200 obtains the facial recognition data of the operator 100 through a mobile device, and confirms that the facial recognition data is actually the preset first related person, and then the operator 100 is granted to correspond to the first related person. The transaction authority of a related party allows the operator 100 to operate the corresponding transaction authority content through the financial transaction system 600. Similarly, if the customer 200 confirms that the operator 100 is actually the second related person, the operator 100 is also granted the transaction authority corresponding to the second related person as described above, which will not be repeated here.

Or, for example, if the aforementioned customer 200 obtains the aforementioned facial recognition data through a mobile device, and confirms that the aforementioned facial recognition data is a stranger, or is an operator who has nothing to do with the aforementioned customer 200, the aforementioned operator 200 is not granted any Transaction authority, that is, the operator 100 can no longer use the financial transaction system 600 to perform any financial transactions related to the customer 200.

In summary, when any operator wants to conduct a financial transaction on a customer’s own financial account, he obtains and retrieves the facial features of the operator through the operator authorization system for the financial transaction disclosed in the present model, and further interacts with it The built-in facial data in the above system is compared to grant all or part of the transaction authority corresponding to the above-mentioned customer or its related persons according to the comparison result of the above-mentioned facial features and the corresponding relationship data. Furthermore, the above-mentioned system can further provide abnormal information and the above-mentioned facial features to the above-mentioned customer to confirm whether to authorize the above-mentioned operator's relevant transaction authority. In addition to providing the above-mentioned customers and other operators with financial transactions, this new model also achieves the double protection of the above-mentioned customers and their financial accounts due to the above-mentioned facial features and the introduction of the above-mentioned abnormal messages, and avoids possible abnormalities. The transaction is generated.

The present invention is disclosed in the preferred embodiments in this text. However, anyone familiar with the technical field should understand that the above-mentioned embodiments are only used to describe the present invention and are not intended to limit the scope of the patent rights claimed by the present invention. Any changes or substitutions equivalent or equivalent to the above-mentioned embodiments should be interpreted as being covered by the spirit or scope of the present invention. Therefore, the scope of protection of this new model shall be subject to the scope of the following patent applications.

100: Operator 200: The client himself 300: related person 400: Operator authorization system for financial transactions 410: Identification Database 420: Facial recognition device 430: Identification and comparison device 440: Authorized Device 500: data creation system 510: Internal database 520: Basic data device 530: Built-in device for face 600: Financial Transaction System

In order to make the above and other objectives, features, advantages and embodiments of the present invention more comprehensible, the description of the attached drawings is as follows: FIG. 1 is a schematic diagram of the structure of an operator authorization system for financial transactions according to an embodiment of the new type. FIG. 2 is a schematic diagram of the structure of the data creation system of an embodiment of the new type.

100: Operator

200: The client himself

400: Operator authorization system for financial transactions

410: Identification Database

420: Facial recognition device

430: Identification and comparison device

440: Authorized Device

500: data creation system

600: Financial Transaction System

Claims (10)

An operator authorization system for financial transactions, including: 1. An identification database, storing the built-in data of one of the customer's own face, and the built-in data of at least one related person's face of at least one related person; A face recognition device that receives a facial feature of an operator, and outputs facial recognition data of one of the facial features; A recognition and comparison device receives the facial recognition data, the built-in data of the person's face and the built-in data of the at least one related person's face in the recognition database, and compares the face recognition data with the person's face Compare the built-in data or the built-in data of the at least one related person's face to output a comparison result; and An authorization device that receives the comparison result, and when the comparison result is consistent, outputs a transaction permission instruction to a financial transaction system to allow the operator's financial transaction; when the comparison result is inconsistent, outputs a Abnormal message to the customer himself. For example, in the operator authorization system of the financial transaction of claim 1, the recognition database further stores a relationship data, and the authorization device compares the facial recognition data with the built-in data of any of the at least one related person according to The relationship data outputs the transaction permission instruction to allow the operator's financial transaction. For example, in the operator authorization system for financial transactions of request item 1 or 2, the authorization device further receives a personal authorization message of one of the customers, and outputs the transaction permission instruction according to the personal authorization message to allow the financial transaction of the operator. For example, in the operator authorization system for financial transactions of request 1, the authorization device outputs the facial recognition data of the operator to the customer when the comparison result does not match. For example, in the operator authorization system for financial transactions of request item 4, the authorization device further receives a personal authorization message of one of the customers, and outputs the transaction permission instruction according to the personal authorization message to allow the financial transaction of the operator. For example, the operator authorization system for financial transactions in claim 1, further includes a data creation system, which is communicatively connected to the identification database, and the data creation system includes: An internal database storing the relationship data of one of the customers, the complete facial features of one of the customers, and the complete facial features of at least one related person of at least one customer; A basic data device that receives and outputs the relationship data to the internal database; and A built-in face device that receives the complete feature of the person's face and the complete feature of the at least one related person's face, and respectively outputs the built-in data of the person's face and the built-in data of the at least one related person's face to the internal database. For example, in the operator authorization system for financial transactions of claim 6, the recognition database further stores the relationship data, and the authorization device compares the facial recognition data with any built-in data on the face of at least one related person, according to The relationship data outputs the transaction permission instruction to allow the operator's financial transaction. For example, the operator authorization system for financial transactions of request item 6 or 7, the authorization device further receives a personal authorization message of one of the customers, and outputs the transaction permission instruction according to the personal authorization message to allow the financial transaction of the operator. For example, in the operator authorization system for financial transactions of request 6, the authorization device outputs the facial recognition data of the operator to the customer when the comparison result does not match. For example, in the operator authorization system for financial transactions of claim 9, the authorization device further receives a personal authorization message of one of the customers, and outputs the transaction permission instruction according to the personal authorization message to allow the financial transaction of the operator.

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