TWM617073U - Auxiliary identity verification system - Google Patents

Abstract

An auxiliary security system suitable for communicating with a client terminal device and a bank terminal device. The auxiliary security system includes a communication module, a storage module, a video module, an identification module and a person Face image capture module. The identification module sends an identity certificate upload request to the client terminal device through the communication module, and after receiving the returned image data of the identity certificate, the client terminal device and the bank terminal device pass the video module Make a video. The face image capture module captures a face image in the video and sends it to the identification module. The identification module recognizes that the image data of the ID ID matches and recognizes the latest ID ID image data stored in the storage module When the face image matches the face image in the latest identity document image data, the video is allowed to continue.

Description

Auxiliary protection system

This new model relates to an auxiliary guarantee system, in particular to an auxiliary guarantee system that assists the guarantee personnel to identify the customer's identity data to carry out the guarantee.

"Guarantee" refers to the process by which the bank confirms that the borrower or guarantor himself signs a loan or guarantee contract. At present, the bank’s business is mostly conducted face-to-face with bankers and customers when the guarantee is required. However, customers will flow across countries and may not necessarily have a presence in the bank. Or because of infectious diseases, wars, etc., bank personnel cannot travel to the country where the customer is located, making the insurance impossible, and thus unable to provide customer-related services (such as credit loans, housing and land loans or automobile loans, etc.).

Fortunately, with the evolution of technology, people can use video software to achieve a real face-to-face situation. However, if you want to use video protection, bank insurance personnel can only judge whether the person they are videoing with is themselves based on their own eyes, and they cannot avoid the bank. Circumstances in which security personnel misjudgment due to fatigue or other factors (such as poor image quality) causing others to fraudulently use their identity.

Therefore, the purpose of the present invention is to provide an auxiliary security system that can assist security personnel to identify customer identity data.

Therefore, the new video security system is provided by a bank, and is suitable for communicating with a client terminal device of a user and a bank terminal device used by a business person of the bank. The auxiliary security system It includes a communication module, a storage module, a video module, a recognition module and a face image capture module. The communication module is connected to the client terminal device and the bank terminal device through a network to receive a video security request from the client terminal device, and the video security request includes a client data to be verified;

The storage module pre-stores a customer data and a newest identity document image data related to the customer data;

When the identification module is electrically connected to the communication module and the storage module, and it is determined that the client data to be verified included in the video protection request from the communication module matches the client data stored in the storage module , The identification module sends an identity certificate upload request to the client terminal device through the communication module; and after the identification module receives an identity certificate image data from the client terminal device through the communication module, The identification module enables the client terminal device and the bank terminal device to start video communication through the video module, so that the user and the business person appear on the display on the client terminal device and the bank terminal device In a video screen; and

The face image capturing module is electrically connected to the identification module and captures a face image of the user of the client terminal device in the video frame, and transmits the face image to the identification module; When the identification module recognizes that the identity document image data matches the latest identity document image data stored in the storage module and recognizes that the face image matches the face image in the latest identity document image data, the video module is ordered Continue to allow the bank terminal device and the client terminal device to perform video chat.

In some implementation aspects of the present invention, the storage module also prestores an estimated video time, and the identification module determines that the client data to be verified in the received video protection request and the storage module stored When the customer data matches, and it is determined that the time when the video security request is received is consistent with the estimated video time, the upload of the identity certificate request is sent to the client terminal device.

In the above-mentioned implementation aspect of the present invention, the identification module determines that the customer data to be verified does not match the customer data or the time when the video warranty request is received does not match the expected video time, and the identification module uses the The communication module returns a video security rejection notice to the client terminal device.

In some implementation aspects of the present invention, the identification module generates a document text data based on the image data of the identity document, and determines whether the document text data is consistent with the text data in the latest identity document image data.

In the above-mentioned implementation aspect of the present invention, it is also suitable for communicating with an identity card verification system, and the identification module also transmits a new and old identity card verification request containing the text data of the document to the identity through the communication module Certificate verification system;

The identity card verification system returns a verification result to the communication module according to the new and old verification request of the identity card, and the verification result indicates whether the document text data is consistent with the text of the latest identity document image data stored in the identity card verification system The information matches.

In some implementation aspects of the present invention, the video module records the entire video process image to generate an image record data and store it in the storage module;

In the above-mentioned implementation aspect of the present invention, a document checking module is also included. After the bank receives a pair of secured document data from the user of the client terminal device, the document checking module can check Whether the content of the document is tampered with, and whether the page number of the document is checked for consecutive numbers and no missing pages.

In the above-mentioned implementation aspect of the present invention, before the client terminal device transmits the video security request, the identification module will receive an appointment video security request from the bank terminal device through the communication module , The video reservation guarantee request includes the customer data of the user of the client terminal device, the latest ID image data related to the customer data, and a video reservation time; and the identification module includes the customer data and The latest identity certificate image data is stored in the storage module, and the scheduled video time is stored in the storage module as the estimated video time.

In some embodiments of the present invention, the communication module is also suitable for communicating with a customer service terminal device used by a customer service staff of the bank, and the identification module allows the customer service terminal device to use the video module Perform video communication with the bank terminal device and the client terminal device, and send a face image capture request to the face image capture module through the communication module, so that the face image capture module is based on the person The face image capture request captures the face image of the user of the client terminal device in the video frame and sends it to the identification module through the communication module.

The effect of the present invention is that after the identification module determines that the client data to be verified from the client terminal device is consistent with the pre-stored client data, then the request to upload the identity certificate is sent to the client terminal device, which has blocking The function of a non-reserved user, and after receiving the image data of the identity certificate uploaded by the client terminal device, the client terminal device and the bank terminal device can start video communication through the video module, and during the video session After the facial image of the user is captured through the facial image capturing module, it is recognized that the image data of the ID ID matches the image data of the latest ID stored in the storage module and the facial image is identified as the latest When the face image in the image data of the identity certificate matches, the video module is made to continuously let the bank terminal device and the client terminal device perform video, and the comparison result is generated and then sent to the bank terminal through the communication module Install the business personnel, in this way, the business personnel can refer to the comparison result to confirm whether the user is the user and whether the certificate provided is the latest certificate, so as to reduce the fatigue or other difficulties of the business personnel (such as poor image quality). Good) Circumstances that cause misjudgment and cause others to use their identities.

Before this new model is described in detail, it should be noted that the "electrical connection" mentioned in this patent specification refers to a wired electrical connection and/or wireless connection between multiple electronic devices/devices/components through conductive materials. Communication technology is a radio connection for wireless signal transmission. In addition, the “electrical connection” mentioned in this patent specification also refers to the “direct electrical connection” formed by the direct connection between two electronic equipment/devices/components and/or the “direct electrical connection” between two electronic equipment/devices/components. "Indirect electrical connection" formed by connecting other electronic equipment/devices/components.

1 is a schematic diagram of the hardware relationship of an embodiment of the new auxiliary insurance system 100. The auxiliary insurance system 100 of this embodiment is provided by a bank and is suitable for a customer of a user. Terminal device 200, a bank terminal device 300 used by a business person on the bank side, a customer service terminal device 400 used by a customer service person on the bank side, and an identity card verification provided by a joint financial credit center (JCIC) The systems 500 communicate with each other. In this embodiment, the auxiliary security system 100 can be a server. The identity card verification system 500 is for example the "Z21 National Identity Card Renewal Data Inquiry and Verification System". The client terminal device The bank terminal device 200 and the bank terminal device 300 are exemplified as a smart phone, and the customer service terminal device 400 is exemplified as a personal computer, but it is not limited thereto.

In this embodiment, the auxiliary security system 100 includes a network connection with the client terminal device 200 and the bank terminal device 300 to receive or transmit data to the client terminal device 200 and the bank terminal device. The communication module of the device 300 1. A pre-stored customer data, a latest ID image data related to the customer's data, and a storage module for estimated video time 2. A recognition module for recognizing text and/or images Group 3, a video module 4, a face image capturing module 5 for capturing facial images, and a document checking module 6 for checking whether a document has missing pages or has been tampered with.

Continuing to refer to FIGS. 2A and 2B, it is a flowchart of an embodiment of an auxiliary security method executed by the new auxiliary security system, which uses the aforementioned auxiliary security system 100 to perform auxiliary security to complete the video security operation . Therefore, when the bank needs to conduct a video security check with its client (such as the user mentioned above), as shown in step S01 in Figure 2A, first, the communication module 1 of the auxiliary security system 100 will receive the client terminal device A video guarantee request sent by 200 includes a client data to be verified. In this embodiment, referring to FIG. 5, the client information to be verified includes, for example, the company's uniform, personal ID number, name, and one-time verification password (OTP), but it is not limited to this. In this embodiment, The one-time verification password is sent by the bank to the client terminal device 200 to confirm that the client terminal device 200 is indeed a terminal device that wants to participate in video security.

Then, in step S02 of FIG. 2A, the identification module 3 of the auxiliary security system 100 determines whether the client data to be verified in the received video security request matches the client data stored in the storage module 2. And it is judged whether the time of receiving the video protection request is consistent with the estimated video time stored in the storage module 2. If both are both, then step S04 is performed, if one of them is no, as shown in step S03 of FIG. 2A , The identification module 3 of the auxiliary security system 100 returns a video security rejection notification to the client terminal device 200 through the communication module 1 and ends the process.

Next, as shown in step S04 in FIG. 2A, the identification module 3 of the auxiliary security system 100 transmits an identity certificate upload request to the client terminal device 200 through the communication module 1, and then, in step S05 in FIG. 2A, The identification module 3 receives the image data of an identity certificate transmitted by the client terminal device 200 through the communication module 1, and then, as shown in step S06 in FIG. 2A, the identification module 3 makes the client terminal device 200 and the The bank terminal device 300 starts video via the video module 4, so that the user and the business person appear in a video screen displayed on the client terminal device 200 and the bank terminal device 300, and then, such as 2B step S07, the face image capturing module 5 captures a face image of the user of the client terminal device 200 currently in the video frame, and transmits the face image to the recognition module 3; The identification module 3 recognizes whether the image data of the identity document matches the image data of the latest identity document stored by the storage module 2 and recognizes whether the face image matches the face image in the image data of the latest identity document. The identification module 3 makes the video module 4 continue to allow the bank terminal device 300 and the client terminal device 200 to perform video, and in step S08 of FIG. A comparison result that has passed through the identification is transmitted to the bank terminal device 300 through the communication module 1. At the same time, the identification module 3 transmits through the communication module 1 a piece of the document text data The new and old verification request of the ID card is sent to the ID card verification system.

It is supplemented that in step S07 of Figure 2B, the identification module 3 generates a document text data based on the image data of the identity document, and determines whether the document text data matches the text data in the latest identity document image data. It is determined whether the image data of the identity certificate matches the image data of the latest identity certificate stored by the storage module 2.

Then, as shown in step S09 in Figure 2B, the ID verification system returns a verification result to the communication module 1 according to the ID verification request in step S07, and the verification result indicates whether the document text data is verified with the ID The text data of the latest ID image data stored in the system matches, and then, as shown in step S10 in FIG. 2B, the identification module 3 transmits the verification result to the bank terminal device 300 through the communication module 1.

Moreover, during the execution of steps S06 to S10, the video module 4 will synchronously record the entire video process image and at the end of the video, as shown in step S11 of FIG. 2B, an image record data is generated and stored in the storage module 2. In particular, it should be noted that before the guarantee, the bank will first send a paper copy of the guarantee document to the user of the client terminal device 200. The image record data records the user’s personal signature of the guarantee document. Video, and record the conversation between the business person and the user during the warranty period to confirm that it is the customer himself, not a pre-recorded video.

It is supplemented that, in this embodiment, the identification module 3 allows the customer service terminal device 400 to perform video communication with the bank terminal device 300 and the client terminal device 200 through the video module 1, and through the The communication module 1 sends a face image capture request to the face image capture module 5, so that the face image capture module 5 captures the client currently in the video screen according to the face image capture request The face image of the user of the end terminal device 200 is transmitted to the identification module 3 through the communication module 1, but this is not a limitation.

Please refer to FIG. 3, the auxiliary security system of this embodiment also includes a procedure to reserve a video security. Before the client terminal device 200 transmits the video security request in step S01 of FIG. Group 3 will receive a reservation video guarantee request from the bank terminal device 300 through the communication module 1. The reservation video guarantee request includes the customer data of the user of the client terminal device 200, the The latest identity document image data and an appointment video time related to the customer data, and then, as shown in step S302 in Figure 3, the identification module 3 stores the customer data and the latest identity document image data in the storage module 2, and The scheduled video time is stored in the storage module 2 as the estimated video time. It is added that the user gives the user’s ID ID image data and the customer information to the business person through methods such as fax, e-mail, letter or hand in person, and finalizes the appointment video time with the business person. After the business person receives the image data of the user's identity document, the ID number, replacement code, replacement date, date of birth, and replacement location will be recorded in the image data of the identity document Wait for the data to check the "Z21 National ID Card Issuance and Replacement Data Inquiry and Verification System", and after confirming that the user's ID image data is the latest data, the user's ID image data will be used as the latest ID image If not, the user is asked to provide the image data of the identity certificate again.

Please refer to Fig. 4, the auxiliary security system of this embodiment also includes a file checking procedure. After steps S01~S11 in Fig. 2A~2B, and step S401 in Fig. 4, the bank receives the client terminal device 200 After the user’s pair of security document data, as shown in step S402 in Figure 4, the document checking module 6 can check whether the content of the pair of security document data has been tampered with and whether the page number of the pair of security document data is connected No. No missing pages. Specifically, in this embodiment, the document checking module 6 judges by comparing the same copy of the document data pre-sent to the user with the document data after the user has signed the document data. Whether the content of the secured document data has been tampered with or missing pages, in addition, in this embodiment, the secured document data also has a one-dimensional bar code, and the document verification module 6 can judge by scanning the one-dimensional bar code The content of the guarantee document and its corresponding application prevent the user of the guarantee from misjudgment by comparing it with the wrong guarantee document, but it is not limited by this. In addition, in this embodiment, the entire document also has special features. Punching, for example, a special shape hole with a hole shape of CTBC to avoid file swapping.

To sum up, the above embodiment uses the identification module 3 to determine that the client data to be verified from the client terminal device 200 is consistent with the pre-stored client data, and then transmits the identity certificate upload request to the client terminal. The device 200 has the function of blocking non-reserved users, and after receiving the image data of the identity certificate uploaded by the client terminal device 200, the client terminal device 200 and the bank terminal device 300 are allowed to pass through the video module 4Start the video, and after capturing the face image of the user through the face image capturing module 5 during the video, identify the ID ID image data and the latest ID ID image stored by the storage module 2 When the data matches and it is recognized that the face image matches the face image in the latest ID document image data, the video module is made to continue to allow the bank terminal device 300 and the client terminal device 200 to perform video communication and generate a comparison The result is then transmitted to the bank terminal device 300 through the communication module 1 to the business person, so that the business person can refer to the comparison result to confirm whether the user is the user and whether the certificate provided is the latest certificate. The business personnel may misjudgment due to fatigue or other factors (such as poor image quality) causing others to fraudulently use their identity, thereby achieving the effect and purpose of the present invention.

However, the above are only examples of the present model, and should not be used to limit the scope of implementation of the present model, all simple equivalent changes and modifications made in accordance with the patent scope of the present model application and the contents of the patent specification still belong to This new patent covers the scope.

1: Communication module 2: Storage module 3: Video module 4: Identification module 5: Face image capture module 6: Document review module 100: Auxiliary protection system 200: Client terminal device 300: Bank terminal device 400: Customer service terminal device 500: Identity card verification system S01~S11: steps S301~S302: steps S401~S402: steps

The other features and effects of the present invention will be clearly presented in the embodiments with reference to the drawings, among which: Figure 1 shows a schematic diagram of a hardware relationship of an embodiment of the new auxiliary protection system; 2A~2B are a flowchart of an embodiment of an auxiliary safeguard method executed by the new auxiliary safeguard system; FIG. 3 is a flowchart of an appointment video guarantee procedure of the embodiment of FIG. 2; FIG. FIG. 4 is a flowchart of a file checking procedure of the embodiment of FIG. 2; and FIG. 5 is a schematic diagram of a display interface of a client terminal device of the embodiment of FIG. 2.

1: Communication module

2: Storage module

3: Video module

4: Identification module

5: Face image capture module

6: Document review module

100: Auxiliary protection system

200: Client terminal device

300: Bank terminal device

400: Customer service terminal device

500: Identity card verification system

Claims (9)

An auxiliary guarantee system is provided by a bank and is suitable for communicating with a client terminal device of a user and a bank terminal device used by a business person of the bank; the auxiliary guarantee system includes: A communication module connected to the client terminal device and the bank terminal device via a network to receive a video security request from the client terminal device. The video security request includes a client to be verified material; A storage module, in which a customer data and a newest ID document image data related to the customer data are pre-stored; A video module; An identification module, which is electrically connected to the communication module and the storage module, and determines the client data to be verified included in the video protection request from the communication module and the client data stored in the storage module When they match, the identification module sends an identity document upload request to the client terminal device through the communication module; and the identification module receives an identity document image data from the client terminal device through the communication module Then, the identification module causes the client terminal device and the bank terminal device to start video communication through the video module, so that the user and the business person appear on the display on the client terminal device and the bank terminal device. In a video screen of the device; and A face image capture module, which is electrically connected to the recognition module and captures a face image of the user of the client terminal device in the video screen, and transmits the face image to the recognition module ; When the identification module recognizes that the image data of the identity document matches the latest identity document image data stored by the storage module and recognizes that the face image matches the face image in the latest identity document image data, make the video module The group continues to allow the bank terminal device and the client terminal device to perform video chat. The auxiliary security system according to claim 1, wherein the storage module also prestores an estimated video time, and the identification module determines that the client data to be verified in the received video security request and the storage module The group stores the customer data that matches, and determines that the time when the video warranty request is received is consistent with the estimated video time, then transmits the identity certificate upload request to the client terminal device. The auxiliary security system according to claim 2, wherein the identification module determines that the client data to be verified does not match the customer data or the time of receiving the video security request does not match the estimated video time, the identification The module returns a video security rejection notice to the client terminal device through the communication module. The auxiliary security system according to claim 1, wherein the identification module generates a document text data based on the image data of the identity document, and determines whether the document text data is consistent with the text data in the latest identity document image data . The auxiliary security system as described in claim 4 is also suitable for communicating with an identity card verification system, and the identification module also transmits a new and old verification request for an identity card containing the text data of the document through the communication module Give the ID card verification system; The identity card verification system returns a verification result to the communication module according to the new and old verification request of the identity card, and the verification result indicates whether the document text data is consistent with the text of the latest identity document image data stored in the identity card verification system The information matches. According to the auxiliary protection system of claim 1, wherein the video module records the entire video process image to generate an image record data and store it in the storage module. As described in claim 6, the auxiliary security system further includes a document verification module. After the bank receives a pair of security document data from the user of the client terminal device, the document verification module can Check whether the content of the guarantee document has been tampered with and whether the page number of the guarantee document has no missing pages. The auxiliary security system according to claim 2, wherein, before the client terminal device transmits the video security request, the identification module receives an appointment from the bank terminal device through the communication module Video security request, the video security reservation request includes the customer data of the user of the client terminal device, the latest ID image data related to the customer data, and an appointment video time; and the identification module will The customer data and the latest identity certificate image data are stored in the storage module, and the scheduled video time is stored in the storage module as the estimated video time. The auxiliary security system according to claim 1, wherein the communication module is further adapted to communicate with a customer service terminal device used by a customer service staff of the bank, and the identification module allows the customer service terminal device to use The video module performs video communication with the bank terminal device and the client terminal device, and sends a face image capture request to the face image capture module through the communication module to make the face image capture module The group captures the face image of the user of the client terminal device in the video frame according to the face image capture request and transmits it to the identification module through the communication module.

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