TWM617965U - Online bank verification server - Google Patents

Abstract

The disclosure provides an online bank verification server, which is configured to execute: in response to determining that a user wants to perform a high-value financial operation on an online bank interface, asking the user to provide a specific image, wherein the specific image includes a face and an identity card of the user; obtaining a reference face image and a reference identity card image of the user, and accordingly verifying the face and the identity card; asking the user to provide a specific voice answer regarding a question, and obtaining a reference voice answer of the user previously answering to the question; verifying the specific voice answer based on the reference voice answer; in response to determining that the specific voice answer, the face and the identity card in the specific image are verified, allowing the user to perform the high-value financial operation on the online bank interface.

Description

Online bank verification server

The present invention relates to a verification server, and particularly to an online bank verification server.

In modern life, people often conduct various financial operations through online banks such as online banking or mobile banking. However, when people temporarily need to perform large-value financial operations (such as large-value transfers), they generally still need to apply at the bank counter, so it is not convenient to use.

In view of this, the present invention provides an online bank verification server, which can be used to solve the above technical problems.

The present model provides an online bank verification server, which includes a storage circuit and a processor. The storage circuit stores the code. The processor is coupled to the storage circuit and accesses the program code for execution: in response to determining that a user wants to perform a large amount of financial operations on an online banking interface, the user is required to provide a specific image, where the specific image includes a user’s Face and an identity document; obtain a reference face image and a reference document image of the user from a bank database, and verify the face and identity document in the specific image; request the user to provide an answer to a specified question A specific voice answer, and obtain the user’s previous reference voice answer to the specified question from the bank database; verify the specific voice answer based on the reference voice answer; respond to the determination that the specific voice answer, the face in the specific image, and the identity certificate are all passed Verification, allowing users to perform large-value financial operations on the bank interface online.

In an embodiment of the present invention, in response to determining that a first facial recognition result of a face in a specific image matches a second facial recognition result of a reference facial image, the processor determines that the face in the specific image passes verify.

In an embodiment of the present invention, in response to determining that a first identification result of the identity document in the specific image matches a second identification result of the reference document image, the processor determines that the identity document in the specific image is verified.

In the embodiment of the present invention, the user's reference face image, reference certificate image, and reference voice response are previously provided by the user when opening an account in a specific bank corresponding to the online banking interface.

In the embodiment of the present invention, a first voiceprint recognition result and a first answer content recognition result that are reflected in determining a specific voice answer match a second voiceprint recognition result and a second answer content recognition result of the reference voice answer As a result, it is determined that the specific voice answer passes the verification.

In the embodiment of the present invention, large-value financial operations include large-value transfers and a credit card limit increase operation.

In the embodiment of the present invention, the amount corresponding to a large-value financial operation is higher than the user's single-day allowable operation amount.

Please refer to FIG. 1, which is a schematic diagram of an online bank verification server according to an embodiment of the present invention. In FIG. 1, the online bank verification server 100 is, for example, a server belonging to a specific bank, and the specific bank may have a bank database 120 for the online bank verification server 100 to access required data. In different embodiments, the online bank verification server 100 is, for example, various smart devices and/or computer devices, but it is not limited to this.

As shown in FIG. 1, the online bank verification server 100 includes a storage circuit 102 and a processor 104. The storage circuit 102 is, for example, any type of fixed or removable random access memory (Random Access Memory, RAM), read-only memory (Read-Only Memory, ROM), flash memory (Flash memory), hard disk Disk or other similar devices or a combination of these devices can be used to record multiple codes or modules.

The processor 104 is coupled to the storage circuit 102, and can be a general purpose processor, a special purpose processor, a traditional processor, a digital signal processor, multiple microprocessors, one or more combined digital signal processing Microprocessor, controller, microcontroller, Application Specific Integrated Circuit (ASIC), Field Programmable Gate Array (FPGA), any other type of integrated circuit , State machines, processors based on Advanced RISC Machine (ARM) and similar products.

In the embodiment of the present invention, the processor 104 can access the modules and program codes recorded in the storage circuit 102 to implement the online bank verification method proposed by the present invention. The details are as follows.

Please refer to FIG. 2, which is a flowchart of an online bank verification method according to an embodiment of the present invention. The method of this embodiment can be executed by the online bank verification server 100 in FIG. 1. The details of each step in FIG. 2 are described below with the components shown in FIG.

In the embodiment of the present invention, it is assumed that the user A of the electronic device 199 (for example, various computer devices/smart devices) is a customer of the above-mentioned specific bank, and the electronic device 199 logs in the online banking interface corresponding to the above-mentioned specific bank (E.g. online banking or mobile banking).

In one embodiment, user A can log in to the online banking interface by entering an account number and password, and can perform general financial operations (such as small-value transfer, account balance inquiry, etc.) after logging in. In one embodiment, the aforementioned online banking interface may be provided with a large financial operation button, and when user A temporarily needs to perform large financial operations (such as large transfers, increase credit card limits, etc.), user A The large-amount financial operation button can be triggered on the aforementioned online banking interface.

In an embodiment, the amount corresponding to the above-mentioned large-value financial operation may be higher than the allowable operation amount of the user A in a single day. For example, suppose user A can only transfer 30,000 yuan in a single day, when user A needs to transfer more than 30,000 yuan, user A can trigger the large-amount financial operation on the above online banking interface Button, but not limited to this.

Correspondingly, the processor 104 can execute the steps in FIG. 2 to determine whether the user A is allowed to perform the above-mentioned large-amount financial operation, the details of which are described in detail as follows.

First, in step S210, in response to determining that the user A wants to perform a large-value financial operation through the online banking interface, the processor 104 may request the user A to provide a specific image IM1.

In one embodiment, the specific image IM1 is, for example, an image including the face C1 and the identity document C2 of the user A, and the user A can, for example, place the identity document C2 next to the face C1 and shoot it with the electronic device 199 The specific image IM1 is obtained by taking a selfie, so that the face C1 and the identity document C2 are presented together in the specific image IM1, but it is not limited to this. In other embodiments, the user A can use other methods that allow the face C1 and the identity certificate C2 to be taken into the lens together to generate the specific image IM1, which is not limited to the method described in the above embodiments.

In one embodiment, after the electronic device 199 obtains the specific image IM1 including the face C1 and the identity certificate C2, the electronic device 199 may return the specific image IM1 to the online bank verification server 100.

After that, in step S220, the processor 104 can obtain the reference facial image R1 and the reference document image R2 of the user A from the bank database 120, and verify the face C1 and the identity document C2 in the specific image IM1 accordingly.

In one embodiment, the reference facial image R1 and the reference document image R2 of the user A are, for example, the facial image and the identity document image provided by the user A when opening an account in the above-mentioned specific bank, but it is not limited to this.

In an embodiment, the processor 104 may determine whether the first facial recognition result of the face C1 in the specific image IM1 matches the second facial recognition result of the reference facial image R1. If so, the processor 104 may determine that the face C1 in the specific image IM1 has passed the verification, otherwise, it may determine that the face C1 in the specific image IM1 has not passed the verification.

In an embodiment, the processor 104 may determine whether the first identification result of the identity document C2 in the specific image IM1 (for example, the name, identity document number, date of birth, etc. in the identity document C2) matches the reference document image R2's second ID identification result (for example, refer to the name, ID number, date of birth, etc. in the ID image R2). If so, the processor 104 can determine that the identity document C2 in the specific image IM1 has passed the verification, otherwise, it can determine that the identity document C2 in the specific image IM1 has not passed the verification.

Then, in step S230, the processor 104 may request the user A to provide a specific voice answer C3 to answer the specified question, and obtain the user A's previous reference voice answer R3 for the specified question from the bank database 120.

In one embodiment, the reference voice answer R3 of the user A is, for example, the voice answer provided by the user A to the specified question when opening an account at the above-mentioned specific bank, but it is not limited to this.

For example, suppose the designated question is "Which elementary school do you attend?", user A can answer "OO Elementary School" as a reference voice answer R3 by providing voice during the account opening process, for example. Similarly, when user A is in the process of requesting a large-value financial operation, the processor 104 can again ask user A to answer "Which elementary school do you study?", and user A can, for example, use voice accordingly Answer "OO Elementary School" as a specific voice to answer C3, but it is not limited to this.

In other embodiments, the above-mentioned designated question may also require user A to read a specified text aloud as a reference voice answer R3/specific voice answer C3, but it is not limited to this.

After that, in step S240, the processor 104 may verify the specific voice answer C3 based on the reference voice answer R3. In an embodiment, the processor 104 may determine whether the first voiceprint recognition result and the first answer content recognition result of the specific voice answer C3 match the second voiceprint recognition result and the second answer content recognition result of the reference voice answer R3 . If so, the processor 104 may determine that the specific voice response C3 has passed the verification, otherwise, it may determine that the specific voice response C3 has not passed the verification.

For example, if the processor 104 determines that the specific voice response C3 and the reference voice response R3 correspond to the voiceprint of the same person, the processor 104 may determine that the first voiceprint recognition result of the specific voice response C3 matches that of the reference voice response R3. The second voiceprint recognition result. In addition, assuming that the processor 104 determines that the first answer content identification result of the specific voice answer C3 and the second answer content identification result of the reference voice answer R3 are both "OO Elementary School", the processor 104 can determine that the specific voice answer C3 is The first answer content identification result matches the second answer content identification result of the reference voice answer R3, but it may not be limited thereto.

Then, in step S250, in response to determining that the specific voice response C3, the face C1 in the specific image IM1, and the identity certificate C2 are all verified, the processor 104 may allow the user A to perform large-value financial operations on the online bank interface.

In other embodiments, in response to determining that the specific voice response C3, the face C1 in the specific image IM1, and the identity document C2 have not all passed the verification, the processor 104 may not allow the user A to perform large-value financial operations on the online bank interface. In this case, user A can only perform general financial operations in the online bank interface, such as small transfers, but it is not limited to this.

In some embodiments, when user A re-logs in the above-mentioned online banking interface and triggers a large financial operation again, the processor 104 may again request user A to provide a specific voice response C3 and a specific image IM1 to perform another Verification, but not limited to this.

In summary, the embodiment of the present invention can allow the user to perform large-value financial operations on the online bank interface when the specific voice response provided by the user, the face in the specific image, and the identity certificate are all verified. In this way, the user can perform the required large-value financial operations through the online banking interface without going to the above-mentioned specific bank to handle the counter, thereby increasing the convenience of use.

Although the present invention has been disclosed in the above embodiments, it is not intended to limit the present invention. Anyone with ordinary knowledge in the relevant technical field can make some changes and modifications without departing from the spirit and scope of the present invention. Therefore, The scope of protection of this new model shall be subject to the scope of the attached patent application.

100: Online bank verification server 102: storage circuit 104: processor 120: Bank database 199: electronic device IM1: specific image C1: face C2: Identity document C3: Specific voice answer R1: Reference face image R2: Reference document image R3: Reference voice answer S210~S250: steps

FIG. 1 is a schematic diagram of an online bank verification server according to an embodiment of the present invention. Fig. 2 is a flowchart of an online bank verification method according to an embodiment of the present invention.

100: Online bank verification server

102: storage circuit

104: processor

120: Bank database

199: electronic device

IM1: specific image

C1: face

C2: Identity document

C3: Specific voice answer

R1: Reference face image

R2: Reference document image

R3: Reference voice answer

Claims (7)

An online bank verification server, including: A storage circuit, which stores a program code; A processor coupled to the storage circuit and accesses the program code to execute: In response to determining that a user wants to perform a large amount of financial operations on an online banking interface, the user is required to provide a specific image, where the specific image includes a face and an identity certificate of the user; Obtain a reference face image and a reference document image of the user from a bank database, and verify the face and the identity document in the specific image accordingly; Request the user to provide a specific voice answer to answer a specified question, and obtain the user's previous reference voice answer to the specified question from the bank database; Verify the specific voice response based on the reference voice response; In response to determining that the specific voice response, the face in the specific image, and the identity certificate are all verified, the user is allowed to perform the large-amount financial operation on the online bank interface. The online bank verification server according to claim 1, wherein in response to determining that a first facial recognition result of the face in the specific image matches a second facial recognition result of the reference facial image, the The processor determines that the face in the specific image passes the verification. The online bank verification server according to claim 1, wherein in response to determining that a first certificate recognition result of the identity certificate in the specific image matches a second certificate recognition result of the reference certificate image, the processor determines The identity document in the specific image is verified. The online bank verification server according to claim 1, wherein the reference facial image, the reference certificate image, and the reference voice response of the user are the user’s previous account opening at a specific bank corresponding to the online banking interface Provided at the time. The online bank verification server according to claim 1, wherein a first voiceprint recognition result and a first response content recognition result that reflect the determination of the specific voice response match a second voiceprint recognition of the reference voice response As a result and a second answer content identification result, it is determined that the specific voice answer passes the verification. The online bank verification server according to claim 1, wherein the large-amount financial operation includes a large-amount transfer and a credit card limit increase operation. The online bank verification server according to claim 1, wherein the amount corresponding to the large-amount financial operation is higher than the allowable daily operation amount of the user.

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