TWM626411U - Cardless finance transaction system and its host server - Google Patents

Abstract

A cardless financial transaction system includes an ATM and a host server. The ATM includes an image capturing device and a display screen. The display screen displays a gesture prompt screen to an operator. The image capturing device captures a verification image for the operator. The verification image includes the demonstration gesture shown by the operator according to the gesture prompt screen. The host server includes a database unit, an image recognition unit and a processing unit. The database unit stores a plurality of user hand feature values corresponding to different users. The image recognition unit is used for recognizing the verification image and analyzing a gesture feature value based on the hand that demonstrates the gesture. The processing unit is used to compare and determine whether the gesture feature value matches one of the user's hand feature values.

Description

Cardless financial transaction system and host server

This creation is about a financial transaction system, especially a cardless financial transaction system and a host server.

Generally speaking, in the existing cardless cash withdrawal system, the cashier can withdraw money from the ATM without inserting a financial card into the Automated Teller Machine (ATM), which improves the convenience and interest of users. One of the existing methods of authentication is to verify the identity of the withdrawer through vein identification.

However, an ATM using vein identification must be equipped with a specific vein sensing device, so additional hardware equipment is required, and hardware cost is increased, thereby failing to increase the willingness of operators to set up.

It can be seen that the above-mentioned technology obviously still has inconvenience and defects, and needs to be further improved. Therefore, how to effectively solve the above-mentioned inconveniences and defects is one of the important research and development issues at present, and it has also become an urgent need for improvement in the current related fields.

One purpose of the present invention is to provide a cardless financial transaction system and a host server to solve the above-mentioned difficulties in the prior art.

An embodiment of the present invention provides a cardless financial transaction system. The cardless financial transaction system includes a host server and at least one automatic teller machine. The automatic teller machine includes a first transmission unit, a first image capturing device and a display screen, the display screen is used for displaying at least one gesture prompting screen to an operator, and the first image capturing device is used for capturing an image for the operator. The verification image includes a demonstration gesture presented by the operator according to the gesture prompt screen. The host server includes a second transmission unit, a database unit, an image recognition unit and a processing unit. The second transmission unit is electrically connected to the first transmission unit through a network structure. The database unit stores the user's hand characteristic values of a plurality of pens corresponding to different users. The image recognition unit is used for recognizing the verification image and displaying a hand according to the gesture. A gesture feature value is parsed, and the processing unit is electrically connected to the second transmission unit, the database unit and the image recognition unit for comparing and judging whether the gesture feature value matches one of the user's hand feature values.

According to one or more embodiments of the present invention, in the above cardless financial transaction system, the host server further includes an identity verification unit. The identity verification unit is electrically connected to the processing unit for instructing the automatic teller machine to execute a plurality of identity verification steps in sequence, and displays a plurality of gesture prompting screens on the display screen according to the identity verification steps.

According to one or more embodiments of the present invention, in the above-mentioned cardless financial transaction system, the gesture prompting screens are respectively prompts of scissors gesture, rock gesture, cloth gesture and digital gesture.

According to one or more embodiments of the present invention, the above-mentioned cardless financial transaction system further includes a bank server. The bank server includes a third transmission unit, a second image capture device and a registration unit. The third transmission unit is electrically connected to the second transmission unit through the network structure. The second image capturing device is used for capturing a registered image for a registered user. The registered image includes another demonstration gesture shown by the registered user's hand. The registration unit is electrically connected to the third transmission unit and the second image capture device, and is used for requesting the image recognition unit of the host server to recognize the registration image, so that the image recognition unit analyzes the hand feature of another user according to one hand of another demonstration gesture value, and store the feature value of another user's hand in the database unit of the host server.

According to one or more embodiments of the present invention, in the above-mentioned cardless financial transaction system, the image recognition unit analyzes the gesture feature value according to the wrist position of the hand, the fingertips and the knuckles of the finger, and according to another The wrist fixed point, fingertips and knuckles of the hand of the demonstration gesture are analyzed to obtain another user's hand feature value.

According to one or more embodiments of the present invention, in the above-mentioned cardless financial transaction system, the processing unit obtains the gap range between the feature matrix of the gesture feature values of the demonstration gesture and the feature matrix of one of the hand feature values of the user, and When it is determined that the gap range conforms to a predetermined range, the processing unit determines that the gesture feature value matches one of the user hand feature values.

An embodiment of the present invention provides a host server. The host server is suitable for a cardless financial transaction system, and the host server includes a transmission unit, a database unit, an image recognition unit and a processing unit. The transmission unit is electrically connected to an ATM through a network structure, and is used for receiving a verification image transmitted from the ATM, and the verification image includes a demonstration gesture presented by an operator. The database unit stores user hand characteristic values of a plurality of pens corresponding to different users. The image recognition unit is used for recognizing the verification image, and analysing a gesture feature value according to the wrist fixed point of the hand, the fingertip and the knuckle of the finger of the demonstration gesture. The processing unit is electrically connected to the transmission unit, the database unit and the image recognition unit, and is used for comparing and judging whether the gesture feature value matches one of the user hand feature values.

According to one or more embodiments of the present invention, the host server further includes an identity verification unit, and the identity verification unit is electrically connected to the processing unit for instructing the ATM to execute a plurality of identity verification steps in sequence and provide a plurality of corresponding identities The gesture prompt screen of the verification step to the ATM.

According to one or more embodiments of the present invention, in the above-mentioned host server, the gesture prompting screens are respectively prompts of scissors gesture, rock gesture, cloth gesture, and number gesture.

According to one or more embodiments of the present invention, in the above-mentioned host server, the processing unit obtains the gap range between the feature matrix of the gesture feature values of the demonstration gesture and the feature matrix of one of the hand feature values of the user, and determines When the gap range conforms to a preset range, the processing unit determines that the gesture feature value matches one of the user hand feature values.

In this way, through the structures of the above embodiments, the surveillance camera on the existing ATM can be used to quickly and effectively identify whether it is the person. In addition, for banks, there is no need to add additional hardware equipment, which can greatly improve the willingness of banks to set up.

The above descriptions are only used to describe the problems to be solved by the present creation, the technical means for solving the problems, and the effects produced by them.

Several embodiments of the present invention will be disclosed in the drawings below. For the sake of clarity, many practical details will be described together in the following description. It should be understood, however, that these practical details should not be used to limit the present creation. That is, in various embodiments of the present invention, these practical details are unnecessary. In addition, for the purpose of simplifying the drawings, some well-known structures and elements will be shown in a simple and schematic manner in the drawings.

FIG. 1 is a block diagram of a cardless financial transaction system 10 according to an embodiment of the invention. As shown in FIG. 1 , the cardless financial transaction system 10 includes a host server 200 and one or more automatic teller machines 100 (ATM). The host server 200 is connected to the ATMs 100 through a network structure N.

FIG. 2 is a detailed block diagram of the ATM 100 of FIG. 1 . As shown in FIG. 1 and FIG. 2, each ATM 100 is provided for an operator to personally visit the counter to perform operations of carded or non-carded financial transactions, such as withdrawal, deposit, transfer or inquiry. Each ATM 100 has a first transmission unit 110 , a first image capture device 120 , a display screen 130 , an input unit 140 and a control unit 150 . The control unit 150 is electrically connected to the first transmission unit 110 , the first image capture device 120 , the display screen 130 and the input unit 140 for controlling the first transmission unit 110 , the first image capture device 120 , the display screen 130 and the input unit 140 respectively. Unit 140 works properly. The first transmission unit 110 is used for electrically connecting the corresponding external institutions through the above-mentioned network structure N. The display screen 130 is used to display a prompt screen, such as a gesture prompt screen, to the operator. The input unit 140 is used for the above-mentioned operator to input the execution instruction. The first image capturing device 120 is used for photographing the front side of the ATM 100, for example, capturing a verification image for the operator. The verification image includes the demonstration gesture presented by the operator according to the gesture prompt screen. For example, the first transmission unit 110 and the control unit 150 are respectively located in the machine of the ATM 100 , and the first image capture device 120 , the display screen 130 and the input unit 140 are respectively located at the front edge of the machine of the ATM 100 .

FIG. 3 is a detailed block diagram of the host server 200 of FIG. 1 . As shown in FIGS. 2 and 3 , the host server 200 includes a second transmission unit 210 , a database unit 220 , an image recognition unit 240 , an identity verification unit 250 and a processing unit 260 . The second transmission unit 210 is electrically connected to the first transmission unit 110 through the network structure N (FIG. 1). The database unit 220 stores the user hand feature values 230 of a plurality of pens corresponding to different users. The user hand feature value 230 of each user is unique or exclusive, that is, unique and non-repeating. The image recognition unit 240 is used for recognizing the verification image, and analyzing a gesture feature value according to the hand demonstrating the gesture. For example, the image recognition unit 240 parses the gesture feature value according to the wrist position of the hand, the fingertips and the knuckles of the fingers that demonstrate the gesture. The identity verification unit 250 is used for instructing the ATM 100 to perform a plurality of identity verification steps in sequence, and provides a plurality of gesture prompting screens corresponding to the identity verification steps to the display screen 130 . The processing unit 260 is electrically connected to the second transmission unit 210 , the database unit 220 , the identity verification unit 250 and the image recognition unit 240 for comparing and judging whether the gesture feature value matches one of the user hand feature values 230 , that is, this The demonstration gesture corresponds to the corresponding data of the specific user in the database unit 220 .

FIG. 4 is a detailed block diagram of the bank server 300 of FIG. 1 . As shown in FIG. 2 and FIG. 4, the above-mentioned cardless financial transaction system 10 further includes one or more bank servers 300 (FIG. 1). Each bank server 300 includes a third transmission unit 310 , a second image capture device 320 and a registration unit 330 . The third transmission unit 310 is electrically connected to the second transmission unit 210 through the network structure N. The second image capturing device 320 is used for photographing a registered user 400 , for example, capturing a registered image of the registered user 400 . The registered image includes another demonstration gesture shown by the registered user 400's hand. The registration unit 330 is electrically connected to the third transmission unit 310 and the second image capture device 320 for requesting the image recognition unit 240 of the host server 200 to recognize the registration image, so that the image recognition unit 240 parses out the registered image according to the hand of another demonstration gesture. Another user's hand feature value 230 is stored in the database unit 220 of the host server 200 . For example, the image recognition unit 240 parses the gesture feature value according to the wrist fixation point of the hand, the fingertip and the knuckle of the finger of another demonstration gesture. In addition, the first gesture prompting screen and the second gesture prompting screen may be, for example, scissors gestures, rock gestures, cloth gestures, any number (such as 1-5) gestures, or other clear and common gesture prompts. However, this creation is not limited to this.

FIG. 5A is a schematic diagram of an image of the hand 410 of a registered user 400 being captured. As shown in FIGS. 4 and 5A, when the registered user 400 applies for a cardless financial transaction service to a bank branch, the bank server 300 of the bank branch starts to create a user hand feature value 230 for the user. The steps include the following. First, the registration unit 330 of the bank server 300 requests the hand 410 of the registered user 400 to show a demonstration gesture according to at least one gesture prompt, and causes the second image capture device 320 to take a picture of the hand 410 of the registered user 400; Then, it is transmitted to the image recognition unit 240 of the host server 200, so that the image recognition unit 240 can parse out a user hand feature value 230 according to the hand 410 of the demonstration gesture, and store the user hand feature value 230 into the host server The database unit 220 of the device 200 becomes one of the user hand feature values 230 of the plurality of pens in the database unit 220 corresponding to different users.

It should be understood that the more user hand feature values 230 are stored in the database unit 220 by each user, the more difficult it is to imitate and the more reliability of the system can be improved. In addition, the front or back images of the hand 410 captured by the second image capture device 320 can be used to establish the above-mentioned user hand feature value 230 .

FIG. 5B is a schematic diagram of the gesture feature value 500 of the hand 410 of the registered user 400 in FIG. 5A . As shown in FIG. 4 and FIG. 5B, for example, when the demonstration gesture of the registered user 400 is the above-mentioned cloth gesture, the image recognition unit 240 determines the hand 410 of the demonstration gesture according to the positioning point of the wrist and the fingers of the finger. A plurality of (eg, 21) hand feature points 510 are parsed from the positions of the tips and knuckles. In other words, these hand feature points 510 are respectively distributed on the palm, such as the wrist fixed point (feature code 0, Fig. 5B), the fingertips of each finger (feature code 4, 8, 12, 16 and 20, Fig. 5B) Figure) and knuckles (feature codes 1~3, 5~7, 9~11, 13~15 and 17~19, Figure 5B). Next, the image recognition unit 240 obtains a feature vector 520 in the coordinates of the line connecting any two adjacent hand feature points 510 . Next, the image recognition unit 240 obtains a feature matrix after calculating each feature vector 520 with a specific standard deviation. In this way, the set of these feature matrices represented by the feature vectors 520 in the demonstration gesture is collectively referred to as the above-mentioned user hand feature value. Similarly, the image recognition unit 240 also parses the gesture feature values from the feature matrices represented by the feature vectors 520 of the demonstration gesture in the verification image according to the above method.

More specifically, the processing unit 260 compares the feature matrix of the gesture feature value 500 of the demonstration gesture with the feature matrix of one of the user hand feature values 230, and obtains a gap range between the two; then, it is judged whether the gap range conforms to A preset range. If it is determined that the gap range conforms to the preset range, the processing unit 260 determines that the gesture feature value 500 matches one of the user hand feature values 230; otherwise, it determines that the gesture feature value 500 does not match one of the user hand feature values. User hand feature value 230.

FIG. 6 is a schematic diagram of the sequence of the cardless financial transaction system of this embodiment. As shown in FIG. 2 and FIG. 6, when an operator P performs an operation of a cardless financial transaction on the ATM 100, the host server 200 randomly provides a first gesture prompting screen to the display screen 130 of the ATM 100, For the operator P to present a first demonstration gesture H1 (eg, the gesture of number five).

If the host server 200 determines that the first demonstration gesture H1 corresponds to the corresponding data of the specific user in the database unit 220 according to the above method, the display screen 130 of the ATM 100 continues to randomly provide a second gesture prompt screen for operation Person P accordingly presents a second demonstration gesture H2 (such as the gesture of number three); on the contrary, if it is judged that it does not match, the host server 200 sends a message of identification error from the display screen 130 .

Then, if the host server 200 determines that the second demonstration gesture H2 (eg, the gesture of number three) conforms to the corresponding data of the specific user in the database unit 220 according to the above method, the display screen 130 of the ATM 100 continues to randomly provide a first The three-gesture prompting screen is used for the operator P to present a third demonstration gesture H3 (eg, the gesture of number two); otherwise, if it is judged to be inconsistent, the host server 200 sends an authentication error message from the display screen 130 .

Next, if the host server 200 determines that the third demonstration gesture H3 (such as the gesture of number two) conforms to the corresponding data of the specific user in the database unit 220 according to the above method, the host server 200 proposes from the display screen 130 that the identity verification is correct , and agreed to allow operator P to continue cardless financial transactions.

It should be understood that, in the above embodiments, the host server 200 and the bank server 300 are, for example, server devices or other similar components. The first transmission unit 110 , the second transmission unit 210 and the third transmission unit 310 are, for example, a network interface controller (NIC) or other similar components. The first image capturing device 120 and the second image capturing device 320 are, for example, a photographing device or other similar components. The input unit 140 is, for example, a keyboard, a touch panel or other similar elements. The database unit 220 can be, 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), A hard disk (Hard Disk Drive, HDD), a solid state drive (Solid State Drive, SSD) or similar components or a combination of the above components, this creation is not limited to this. The control unit 150 , the processing unit 260 and the registration unit 330 are, for example, a central processing unit (CPU), or other programmable general-purpose or special-purpose microprocessors (Microprocessors), digital signal processors (Digital Signal Processors) Signal Processor, DSP), programmable controller, application specific integrated circuit (Application Specific Integrated Circuit, ASIC) or other similar components or combinations of the above components, the present invention is not limited thereto. The automatic teller machine 100 (ATM) is a conventional device and will not be described in detail herein.

In this way, through the structures of the above embodiments, the surveillance camera on the existing ATM can be used to quickly and effectively identify whether it is the person. In addition, for banks, there is no need to add additional hardware equipment, which can greatly improve the willingness of banks to set up.

Finally, the above disclosed embodiments are not intended to limit the present creation. Anyone who is familiar with this technique can make various changes and modifications without departing from the spirit and scope of the present creation, and they can be protected in this book. in creation. Therefore, the scope of protection of this creation should be determined by the scope of the appended patent application.

10: Cardless financial transaction system 100: ATM 110: The first transmission unit 120: The first image capture device 130: Display screen 140: Input unit 150: Control unit 200: host server 210: Second transmission unit 220: Library Unit 230: User hand feature value 240: Image recognition unit 250: Authentication Unit 260: Processing Unit 300: Bank server 310: Third Transmission Unit 320: Second Image Capture Device 330: Registration Unit 400: registered user 410: Hands 500: Gesture feature value 510: Hand feature points 520: Eigenvectors P: Operator H1: First Demonstration Gesture H2: Second Demonstration Gesture H3: Third Demonstration Gesture N: Network Architecture

In order to make the above-mentioned and other objects, features, advantages and embodiments of the present creation more obvious and easy to understand, the descriptions of the accompanying drawings are as follows: Figure 1 is a block diagram of a cardless financial transaction system according to an embodiment of the invention; Figure 2 is a detailed block diagram of the ATM of Figure 1; Figure 3 is a detailed block diagram of the host server in Figure 1; Figure 4 is a detailed block diagram of the bank server in Figure 1; Figure 5A is a schematic diagram of a registered user's hand being captured by an image; FIG. 5B is a schematic diagram of the gesture feature values of the registered user of FIG. 5A; and FIG. 6 is a schematic diagram of the sequence of the cardless financial transaction system of this embodiment.

10: Cardless financial transaction system

100: ATM

200: host server

300: Bank server

N: Network Architecture

Claims (10)

A cardless financial transaction system, comprising: At least one ATM includes a first transmission unit, a first image capture device and a display screen, the display screen is used to display at least one gesture prompt screen to an operator, and the first image capture device is used to The operator captures a verification image, the verification image includes a demonstration gesture shown by the operator according to the gesture prompt screen; and A host server includes a second transmission unit, a database unit, an image recognition unit and a processing unit, the second transmission unit is electrically connected to the first transmission unit through a network structure, and the database unit stores There are a plurality of pens corresponding to user hand feature values of different users, the image recognition unit is used to identify the verification image, and analyzes a gesture feature value according to a hand of the demonstration gesture, the processing unit is electrically connected to the second transmission unit, The database unit and the image recognition unit are used for comparing and determining whether the gesture feature value matches one of the user hand feature values. The cardless financial transaction system as claimed in claim 1, wherein the host server further comprises an identity verification unit, and the identity verification unit is electrically connected to the processing unit for instructing the ATM to execute a plurality of identity verification steps in sequence , and provide a plurality of gesture prompting screens corresponding to the authentication steps to the display screen. The cardless financial transaction system according to claim 2, wherein the gesture prompting screens are respectively the prompts of scissors gesture, rock gesture, cloth gesture and digital gesture. The cardless financial transaction system as described in claim 1, further comprising: A bank server, including: a third transmission unit electrically connected to the second transmission unit through the network structure; a second image capturing device for capturing a registered image for a registered user, the registered image including another demonstration gesture shown by a hand of the registered user; and a registration unit, electrically connected to the third transmission unit and the second image capture device, and used for requesting the image recognition unit of the host server to recognize the registration image, so that the image recognition unit according to the hand of the other demonstration gesture The part parses out the feature value of another user's hand, and stores the feature value of the other user's hand in the database unit of the host server. The cardless financial transaction system according to claim 4, wherein the image recognition unit parses the gesture feature value according to the wrist positioning of the hand, the fingertips and the knuckles of the finger of the demonstration gesture, and according to the other The wrist fixed point of the hand, the fingertip and the knuckle of the finger of the demonstration gesture are analyzed to obtain the feature value of the other user's hand. The cardless financial transaction system according to claim 4, wherein the processing unit obtains a gap range between the feature matrix of the gesture feature value of the demonstration gesture and the feature matrix of the one of the user's hand feature values, and stores it in the When it is determined that the gap range conforms to a predetermined range, the processing unit determines that the gesture feature value matches one of the user's hand feature values. A host server suitable for a cardless financial transaction system, comprising: a transmission unit, electrically connected to an ATM through a network structure, for receiving a verification image transmitted from the ATM, the verification image including a demonstration gesture presented by an operator; a database unit, which stores the user hand characteristic values of a plurality of pens corresponding to different users; an image recognition unit for recognizing the verification image, and analyzing a gesture feature value according to the wrist fixed point of the hand, the fingertip and the knuckle of the finger of the demonstration gesture; and a processing unit electrically connected to the transmission unit, the database unit and the image recognition unit for comparing and judging whether the gesture feature value matches one of the user hand feature values. The host server as described in claim 7, further comprising: an identity verification unit electrically connected to the processing unit for instructing the ATM to execute a plurality of identity verification steps in sequence, and providing a plurality of gesture prompt screens corresponding to the identity verification steps to the ATM. The host server according to claim 8, wherein the gesture prompting screens are respectively prompts of scissors gesture, rock gesture, cloth gesture and number gesture. The host server according to claim 7, wherein the processing unit obtains a gap range between the feature matrix of the gesture feature values of the demonstration gesture and the feature matrix of the one of the hand feature values of the user, and determines the When the gap range conforms to a predetermined range, the processing unit determines that the gesture feature value matches one of the user hand feature values.

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