TWM636086U - 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 a camera device and a touch screen. The camera device captures a facial image of an operator, the touch screen displays an unlocking array including a plurality of areas, and receives a trajectory pattern input by the operator from the unlocking array. The host server includes a database unit, an image recognition module, a symbol generating unit and a processing unit. The database unit has a plurality of user data corresponding to user members, the image recognition module is used for recognizing facial images, and the symbol generation unit is used for randomly distributing the plurality of symbol elements in the areas of the unlocking array. The processing unit sequentially determines whether the facial image and the trajectory pattern respectively match the user information of the user member so as to be a basis for whether to verify the identity certification of the operator.

Description

Cardless Financial Transaction System and Host Server

This creation relates to a financial transaction system, especially a cardless financial transaction system and a host server.

Generally speaking, in the cash withdrawal system of the existing automatic teller machine (Automated Teller Machine, ATM), the cash withdrawer needs to insert the financial card and use the hand to enter the digital password on the keyboard of the automatic teller machine. However, entering the digital password may be harmful to others. The risk of skimming or leaking.

In addition, ATMs also include a cardless cash withdrawal mechanism. One of the identity verification methods of the mechanism is to perform identity verification through vein recognition of the withdrawer. However, ATMs that use vein recognition must be equipped with specific vein sensing devices, so additional hardware equipment is required, which increases hardware costs and thus fails to increase the willingness of operators to install.

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

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

One 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 camera device and a touch screen. The first camera device is used to capture a first facial image of an operator, and the touch screen is used to display an unlocking array including multiple array blocks, and receive a track input by the operator by dragging from the unlocking array pattern. The host server includes a second transmission unit, a database unit, an image recognition module, a symbol generation unit and a processing unit. The second transmission unit is electrically connected to the first transmission unit through a network structure. There are multiple pieces of user data corresponding to different user members stored in the database unit. The image recognition module is used for recognizing the first facial image. The symbol generating unit is used for randomly distributing a plurality of symbol elements in the array blocks. The processing unit is electrically connected to the second transmission unit, the database unit, the image recognition module and the symbol generation unit, and is used to sequentially determine whether the first facial image and the trajectory pattern match the user information of one of the user members, as whether the authentication is passed The basis for the identity authentication of the operator.

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 second camera device, a third transmission unit and a registration unit. The second camera device is used for capturing a second facial image of a person. The third transmission unit is electrically connected to the second transmission unit through the network structure. The registration unit is electrically connected to the second camera device and the third transmission unit, and is used to request the image recognition module to recognize the second facial image, parse the second facial image into a facial feature group, and store it in the database unit.

According to one or more embodiments of the present invention, in the above-mentioned cardless financial transaction system, the image recognition module includes a segmentation unit, a marking unit and a calculation unit. The segmentation unit is used for performing an image segmentation technique on the first facial image, and segmenting the first facial image into a first square matrix including a plurality of first grids with the same size. The marking unit is electrically connected to the dividing unit, and is used for respectively marking a part of the first squares corresponding to all edges of the first square matrix, and other parts of the first squares in other positions. The calculating unit is electrically connected to the marking unit, and is used for calculating a plurality of first feature vectors corresponding to other parts of the first squares of the first facial image, and the first feature vectors are arranged as a first feature matrix.

According to one or more embodiments of the present invention, in the above-mentioned cardless financial transaction system, the segmentation unit further performs image segmentation technology on the second facial image, and divides the second facial image into multiple second facial images with the same size. One of the squares is the second square matrix. The marking unit further marks a part of the second grid corresponding to all the edges of the second square matrix, and another part of the second grid in other positions. The calculation unit further calculates a plurality of second feature vectors of the second facial image corresponding to other parts of the second squares, and the second feature vectors are arranged into a second feature matrix. Calculate standard deviations corresponding to the second eigenvectors in the second eigenmatrix respectively.

According to one or more embodiments of the invention, in the above-mentioned cardless financial transaction system, the processing unit compares these first feature vectors and these second feature vectors; judges each first feature vector and the corresponding second feature vector Whether the differences of the vectors are within the corresponding standard deviation; and when the processing unit determines that each difference is within the corresponding standard deviation, the processing unit determines that the first facial image matches the user profile of the user member.

According to one or more embodiments of the invention, in the above-mentioned cardless financial transaction system, the host server further includes a question receiving unit. The question receiving unit is electrically connected to the registration unit and the processing unit, and is used to collect at least one authentication question and a pair of authentication answers corresponding to the authentication questions sent by one of the user members from the bank server, and store the authentication questions and the corresponding authentication answers. into the database unit.

According to one or more embodiments of the present invention, in the above-mentioned cardless financial transaction system, when the processing unit determines that the first facial image matches the user profile of the user member, the processing unit is further configured to respond to the user member's User information, simultaneously displaying authentication questions and unlocking arrays on the touch screen, and distributing authentication answers in one of the array blocks. The symbol generating unit is further used for generating a plurality of random characters, and distributing the random characters in the rest of the array blocks. The processing unit is further used to parse out an input data according to the drag sequence of the track pattern, and when it is judged that the input data matches the authentication answer, the authentication passes the identity authentication of the operator.

According to one or more embodiments of the present invention, in the above-mentioned cardless financial transaction system, when the processing unit determines that the first facial image matches the user profile of the user member, the processing unit is further used to respond to the user member The user information of the user, the authentication question and the unlocking array are simultaneously displayed on the touch screen, and the authentication answer is assigned to one of the array blocks. The symbol generating unit is further used for generating a plurality of random characters, and distributing the random characters in another part of the array blocks. The processing unit is further used for parsing an input data according to the drag sequence of the track pattern, and when it is judged that the input data contains these random characters, the authentication passes the identity authentication of the operator.

According to one or more embodiments of the present invention, in the above-mentioned cardless financial transaction system, the touch screen further outputs a number key interface to receive an operator to input a number group from the number key interface. When the processing unit judges that the first facial image matches the user information of the user member, the processing unit determines whether the number group input by the operator matches the user information of one of the user members, as whether to pass the identity authentication of the operator basis.

One 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 second transmission unit, a database unit, an image recognition module, a symbol generation unit and a processing unit. There are multiple pieces of user data corresponding to different user members stored in the database unit. The transmission unit is electrically connected to an automatic teller machine through a network structure, and is used for receiving an operator's facial image transmitted from the automatic teller machine and a trajectory pattern input on a touch screen of the automatic teller machine. The image recognition module is used to recognize the facial image. The symbol generating unit is used for randomly distributing a plurality of symbol elements in an unlocking array displayed on the touch screen, and the unlocking array includes a plurality of array blocks. The processing unit is electrically connected to the transmission unit, the image recognition module, the symbol generation unit, and the database unit, and is used to sequentially determine whether the facial image and the trajectory pattern match the user information of one of the user members, as whether to pass the identity authentication of the operator basis.

According to one or more embodiments of the present invention, in the above-mentioned host server, the image recognition module includes a segmentation unit, a marking unit and a computing unit. The segmentation unit is used to perform an image segmentation technique on the facial image, and divide the facial image into a square matrix including a plurality of squares with the same size. The marking unit is electrically connected to the dividing unit, and is used for respectively marking a part of the grids corresponding to all the edges of the square matrix, and another part of the grids in other positions. The calculation unit is electrically connected to the segmentation unit and the marking unit, and is used to calculate a plurality of feature vectors corresponding to the other parts of the grids, and these feature vectors are arranged as a feature matrix.

According to one or more embodiments of the invention, the host server further includes a question receiving unit. The question receiving unit is electrically connected to the processing unit, and is used to collect at least one authentication question and a corresponding authentication answer sent by the user member from a bank server, and store the authentication question and the corresponding authentication answer into the data in the library unit.

According to one or more embodiments of the present invention, in the above-mentioned host server, when the processing unit determines that the facial image matches the user information of the user member, the processing unit is further configured to simultaneously display the authentication question and the unlock array on the touch screen and distribute the authentication answer within one of these array blocks. The symbol generating unit is further used for generating a plurality of random characters, and distributing the random characters in the rest of the array blocks. The processing unit is further used for parsing an input data according to the drag sequence of the track pattern, and when it is judged that the input data matches the authentication answer, the authentication passes the identity authentication of the operator.

According to one or more embodiments of the present invention, in the above-mentioned cardless financial transaction system, when the processing unit judges that the facial image matches the user profile of the user member, the processing unit is further used to simultaneously display the authentication question and the unlocking array on the on the touch screen and distribute the authentication answer in one of these array blocks. The symbol generating unit is further used for generating a plurality of random characters, and distributing the random characters in the rest of the array blocks. The processing unit is further used for parsing an input data according to the drag sequence of the track pattern, and when it is judged that the input data contains these random characters, the authentication passes the identity authentication of the operator.

In this way, through the structures described in the above embodiments, the cardless cash withdrawal mechanism can quickly and effectively verify the identity of the operator by using the surveillance camera and the specific identification mechanism on the existing automatic teller machine. In addition, for banks, there is no need to add additional hardware equipment, which can greatly increase the willingness of banks to set up.

The above description is only used to explain the problem to be solved by this creation, the technical means to solve the problem, and its effects, etc. The specific details of this creation will be introduced in detail in the following implementation methods and related drawings.

A plurality of embodiments of the present invention will be disclosed with figures below. For the sake of clarity, many practical details will be described together in the following description. However, it should be understood that these practical details should not be used to limit the present invention. That is, in the various embodiments of the present invention, these practical details are unnecessary. In addition, for the sake of simplifying the drawings, some well-known structures and components 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 of 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 (ATMs). The host server 200 is respectively connected to these ATMs 100 through a network structure N.

FIG. 2 is a detailed block diagram of the automatic teller machine 100 in FIG. 1 . As shown in FIG. 1 and FIG. 2, each automatic teller machine 100 is provided for an operator to personally conduct card-present or card-not-present financial transactions, such as cash withdrawal, deposit, transfer or inquiry. Each automatic teller machine 100 has a first transmission unit 110 , a first camera device 120 , a touch 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 camera device 120 , the touch screen 130 and the input unit 140 respectively, and controls the above-mentioned units to work appropriately. The first transmission unit 110 is used for electrically connecting the corresponding external mechanism through the above-mentioned network structure N. The first camera device 120 is used to capture an image of an operator, for example, capture a facial image by taking a picture of the face (ie face or face) of the operator located at the front edge of the ATM 100 . The touch screen 130 is used to display a prompt screen 500 to the above-mentioned operator, and the prompt screen 500 is used to remind the above-mentioned operator to perform the above-mentioned financial transaction operation. For example, when performing identity authentication, the prompt screen 500 includes a plurality of array blocks 521 (for example, nine) of unlocking arrays 520, and receives input from the above-mentioned operator by operating (that is, dragging) the unlocking arrays 520. A track pattern 523 . The input unit 140 is used for allowing the above-mentioned operator to subsequently input execution instructions. For example, the first transmission unit 110 and the control unit 150 are respectively located in the machine platform of the automatic teller machine 100 , and the first camera device 120 , the touch screen 130 and the input unit 140 are respectively located in the front edge of the machine platform of the automatic teller machine 100 .

FIG. 3 is a detailed block diagram of the host server 200 in FIG. 1 . As shown in FIG. 2 and FIG. 3 , the host server 200 includes a second transmission unit 210 , a database unit 220 , an image recognition module 230 and a processing unit 260 . The second transmission unit 210 is electrically connected to the first transmission unit 110 of the automatic teller machine 100 through the network structure N (FIG. 1 ). The database unit 220 stores a plurality of user data 221 corresponding to different user members. The user profile 221 of each user member is unique or exclusive, that is, unique and not repeated. The image recognition module 230 is used to recognize and analyze the facial image of the operator. In this embodiment, the image recognition module 230 analyzes the facial features of the operator according to the facial image of the operator. The processing unit 260 is electrically connected to the second transmission unit 210, the database unit 220, and the image recognition module 230, and is used to sequentially determine whether the operator's facial image and track pattern match the user information 221 of one of the user members, as authentication or not The basis for the identity authentication of the operator.

FIG. 4 is a detailed block diagram of the bank server 300 in FIG. 1 . FIG. 5 is a schematic diagram of the facial image 400 subjected to image segmentation in this embodiment. As shown in FIG. 1 and FIG. 4 , the cardless financial transaction system 10 further includes one or more bank servers 300 . Each bank server 300 is located in one of the bank branches, for example, and each bank server 300 includes a second camera device 310 , a third transmission unit 320 and a registration unit 330 . The third transmission unit 320 is electrically connected to the second transmission unit 210 of the host server 200 through the network structure N (FIG. 3). The second camera device 310 is used to capture a facial image 400 by photographing the face (ie face or face) of a person (such as a registered person). The registration unit 330 is electrically connected to the second camera device 310 and the third transmission unit 320 .

Therefore, when the registrant intends to apply for the cardless withdrawal service, the registration unit 330 requires the registrant to perform several input steps to complete the above registration procedure for the cardless withdrawal service. In addition to the personal information in these input steps, the registration unit 330 also requires the image recognition module 230 to recognize the facial image 400 of the registered person, and parse the facial image 400 of the registered person into a facial feature group, so that the facial feature group Stored in the database unit 220 as part of the user profile 221 corresponding to the registered person.

As shown in FIG. 3 and FIG. 5 , the image recognition module 230 includes a segmentation unit 231 , a marking unit 232 and a calculation unit 233 . The segmentation unit 231 is used to perform an image segmentation technique on the facial image 400 of the registered person, and divide the facial image 400 of the registered person into a square matrix 410 including a plurality of grids of the same size (for example, 468 or more). The marking unit 232 is electrically connected to the dividing unit 231, and is used to mark a part of these grids corresponding to all the edges of the square matrix 410 (such as the grid dot grid 411), and another part of these grids in the remaining positions (such as a grid without grid dots). 412). The computing unit 233 is electrically connected to the marking unit 232 to calculate a plurality of second eigenvectors corresponding to other parts of the squares of the registered person's facial image 400 to obtain a second eigenmatrix. In addition, the calculation unit 233 further calculates the standard deviations corresponding to the second eigenvectors in the second eigenmatrix, and the calculation results are, for example, 468 eigenvectors.

More specifically, for example, each face is represented as a list of 468 face landmarks (ie, facial feature vectors), and each landmark is composed of an X axis, a Y axis and a Z axis. The X-axis and Y-axis are normalized to [0.0~1.0] by image width and height respectively. The Z axis represents the depth of the landmark with the depth of the center of the head as the origin. The smaller the value, the closer the landmark is to the camera. The size of the Z axis uses roughly the same scale as the X axis.

In this way, when performing identity authentication on the operator on the front side of the automatic teller machine 100, the automatic teller machine 100 transmits the facial image of the operator to the image recognition module 230, so that the segmentation unit 231 performs image segmentation technology on the facial image 400, and Divide the facial image 400 into a square matrix 410 comprising a plurality of grids of the same size, and then, the calculation unit 233 is further used to calculate a first feature vector corresponding to each grid of the facial image 400, and these first feature vectors are Arranged into a first feature matrix.

The processing unit 260 compares these first eigenvectors with these second eigenvectors, and judges whether the difference between each first eigenvector and the corresponding second eigenvector is within the corresponding standard deviation, when the processing unit 260 judges that each The differences are all within the corresponding standard deviation, and the processing unit 260 determines that the facial image 400 of the operator on the front side of the ATM 100 matches the user profile 221 of the user member.

In this way, since the personal feature matrix of each user member is unique and not repeated in the system 10, when the processing unit 260 compares the facial image of the operator with the facial features of each customer in the database unit 220, whether a match is found , the processing unit 260 calculates the gap between the facial features of each user member in the database unit 220 and the first feature matrix of the operator, and if the 468 eigenvectors of the operator are all within the range of the gap, it is determined that it is the most suitable customer .

As shown in FIG. 3 and FIG. 4 , the host server 200 further includes a symbol generating unit 240 and a question receiving unit 250 . The question receiving unit 250 is electrically connected to the processing unit 260 and the registration unit 330 of the bank server 300 . The question collection unit 250 further collects one or more authentication question banks transmitted from the bank server 300 by the registrant when applying for the cardless withdrawal service. Each certification question bank includes a certification question 511 and a certification answer 512 corresponding to the certification question 511, and the receiving unit 250 stores these certification question banks as part of the user data 221 corresponding to the registered person in the database unit 220 , to complete the registration process. The certification question 511 of the certification question bank is, for example, ID number, birthday, constellation, favorite movie, pet name, lucky number or credit card number, etc., but the invention is not limited thereto. The symbol generating unit 240 is electrically connected to the processing unit 260 , and the symbol generating unit 240 is used for randomly distributing a plurality of symbol elements (such as characters or values) in the array blocks 521 of the above-mentioned unlocking array 520 .

More specifically, when the above-mentioned operator is determined to be the most suitable customer, the processing unit 260 randomly extracts a certification question 511 from the certification question bank of the user data 221 stored in the database unit 220 by the above-mentioned operator, and sends the certification question 511. The authentication question 511 of the question bank and the above-mentioned unlocking array 520 are simultaneously displayed on the touch screen 130, the processing unit 260 randomly puts the authentication answer 512 into a part of these array blocks 521, and the symbol generating unit 240 generates a plurality of random words elements 522, and distribute these random elements 522 in the rest of the array block 521. Next, the processing unit 260 parses out an input data according to the dragging sequence of the trajectory pattern 523 , and judges whether the input data matches the authentication answer 512 . Therefore, when the processing unit 260 determines that the input data matches the authentication answer 512, the processing unit 260 passes the authentication of the operator's identity, otherwise, the processing unit 260 denies the identity authentication of the operator.

It should be understood that the input data analyzed by the processing unit 260 according to the dragging sequence of the trajectory pattern 523 may be a text string or a trajectory pattern 523, for the processing unit 260 to compare the text of the authentication answer 512 on the same basis. string, or the trajectory pattern 523 formed by the verification answer 512 on the unlocking array 520 this time.

FIG. 6A and FIG. 6B are respectively schematic diagrams showing authentication questions 511 displayed on the touch screen 130 in FIG. 2 in different orders. As shown in FIG. 6A , for example, when the certification question 511 of the extracted certification question bank is "Why graduated elementary school", and the certification answer 512 corresponding to this certification question 511 is "Beimen Elementary School", the processing unit 260 The four characters "North", "Gate", "Country" and "Small" are randomly assigned to one of these array blocks 521, and the symbol generating unit 240 will be, for example, "East", "South", "West The random characters 522 of ", "new" and "medium" are randomly assigned in the rest of the array block 521. In this way, the more authentication questions 511, the more difficult it is to counterfeit and the more it can be confirmed that the withdrawal is the person, thereby improving the reliability and security of the system 10 .

As shown in Figures 6A and 6B, even if the same certification question bank is drawn again, compared to Figure 6A, the symbol generation unit 240 will generate different random characters 522 in Figure 6A, such as "new", The random characters 522 of "big", "an", "day" and "three", and the symbol generating unit 240 will not distribute these random characters 522 to the same position of the array block 521, to reduce illegal Opportunity for a person to figure out a specific authentication answer 512.

FIG. 6C and FIG. 6D are schematic diagrams showing the touch screen 130 displaying the authentication question 511 in different embodiments. This embodiment is roughly the same as the above-mentioned Fig. 6A, the difference is that, as shown in Fig. 6C, when the processing unit 260 judges that the input data contains the random character 522 in the unlocking array 520, the processing unit 260 will pass the authentication operation The identity authentication of the operator, otherwise, the processing unit 260 denies the identity authentication of the operator.

For example, in Figure 6A, when the operator drags and passes through "north", "door", "country" and "small" from the unlocking array 520 in sequence, since the processing unit 260 judges that the input data matches the authentication answer At 512, therefore, the processing unit 260 has passed the identity authentication of the operator; on the other hand, in Figure 6C, when the operator dragged the track pattern 524 from the unlocking array 520 through "West", "East", "South", All the random characters 522 of "new" and "middle", that is, when "north", "door", "country" and "small" are left without dragging and passing, because the processing unit 260 judges that the input data includes unlocking The random character 522 in the array 520, therefore, the processing unit 260 has passed the identity authentication of the operator.

For another example, this embodiment is substantially the same as the above-mentioned FIG. 6A, and the difference is that, as shown in FIG. 6D, when the processing unit 260 determines that the input data contains at least one of the multiple characters in the authentication answer 512, Only when the processing unit 260 passes the identity authentication of the operator, otherwise, the processing unit 260 denies the identity authentication of the operator.

For example, in Figure 6A, the operator must drag through "North", "Gate", "Country" and "Small" from the unlocking array 520 in order to be authenticated as the operator; In Figure 6D, the processing unit 260 will only display the three characters "North", "Country" and "Small" in the unlocking array 520, and it is not necessary to display "North", "Gate", "Country" and "Small". "The four words, in this way, reduce the chance of criminals deliberating the number of specific authentication answers 512.

FIG. 7A and FIG. 7B are respectively schematic diagrams showing different authentication questions 511 displayed on the touch screen 130 in FIG. 2 . As shown in FIG. 7A, in this way, when the operator on the front side of the automatic teller machine 100 passes through the matching step of the face image 400, the touch screen 130 will output a number key interface 530 to receive an input from the operator through the number key interface 530. Number group 531. Next, the processing unit 260 judges whether the number group 531 input by the operator matches the user information 221 of one of the user members, as a basis for whether the authentication of the operator is passed.

In addition to the certification question bank being "Graduated Elementary School", the certification question bank also includes the birthdays of specific user members. As shown in FIG. 7A, when the certification question 511 of the extracted certification question bank is "what's your birthday?" The three numbers "2" and "6" are randomly assigned to one of these array blocks 521, and the symbol generation unit 240 selects from "1", "3", "4", "5", "7", " Six of the random characters 522 of 8" and "9" are randomly selected (9 array blocks minus 3 numbers) and randomly distributed in the rest of the array block 521 .

In addition, in addition to the verification question bank being "birthday", the verification question bank also includes the ATM card password of a specific user member. As shown in Figure 7A, when the authentication question 511 of the extracted authentication question bank is "what is the password of the ATM card?", and the authentication answer 512 corresponding to the authentication question 511 is "0", "1", "3", When "2", "9", "6", "7" and "8", the processing unit 260 converts "0", "1", "3", "2", "9", "6", " The eight numbers of 7 and "8" are randomly assigned to one part of these array blocks 521 , and the symbol generating unit 240 generates a random character 522 of "5" and assigned to the rest of the array blocks 521 .

Fig. 8 is a schematic diagram of the flow sequence of the cardless financial transaction system 10 of the present embodiment. As shown in Fig. 3 and Fig. 8, when an operator goes to the ATM 100 to perform a card-not-present financial transaction operation, in step A, the ATM 100 first allows the first camera device 120 to capture a face of the operator Image 400; Next, when the processing unit 260 judges that the facial image 400 matches the user profile 221 corresponding to the operator in the database unit 220, enter step B. In step B, the automatic teller machine 100 randomly extracts a certification question bank (for example, what is the elementary school), and simultaneously displays the certification question 511 and the unlocking array 520 of the certification question bank on the touch screen 130 (FIG. 6A) for The operator drags and enters the authentication answer 512 in sequence on the touch screen 130; Presents a misidentified message.

Next, when the processing unit 260 judges that the input authentication answer 512 matches the user information 221 corresponding to the operator in the database unit 220, it enters step C. In step C, the automatic teller machine 100 randomly extracts another authentication question bank (for example, what is the birthday), and simultaneously displays the authentication question 511 and the unlocking array 520 of this authentication question bank on the touch screen 130 (FIG. 7A), to For the operator to drag and input the authentication answer 512 in sequence on the touch screen 130; on the contrary, when it is judged that the input authentication answer 512 does not match the user information 221, the host server 200 denies the identity authentication of the operator, and from the touch The screen 130 presents an error message.

Next, when the processing unit 260 judges that the input authentication answer 512 matches the user information 221 corresponding to the operator in the database unit 220, it enters step D. In step D, the automatic teller machine 100 randomly extracts another authentication question bank (for example, what is the password of the ATM card), and simultaneously displays the authentication question 511 and the unlocking array 520 of this authentication question bank on the touch screen 130 (Fig. 7B ), for the operator to drag on the touch screen 130 to input the authentication answer 512 in sequence; otherwise, when it is judged that the input authentication answer 512 does not match the user information 221, the host server 200 denies the identity authentication of the operator, and A recognition error message is raised from the touch screen 130 .

Then, when the processing unit 260 judges that the authentication answer 512 input by it matches the user information 221 corresponding to the operator in the database unit 220, the host server 200 proposes a correct identity verification message from the touch screen 130, and agrees to let The operator continues to conduct card-not-present 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 320 are, for example, a network interface controller (NIC) or other similar components. The first camera device 120 and the second camera device 310 are, for example, a camera 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), Hard disk drive (Hard Disk Drive, HDD), solid state drive (Solid State Drive, SSD) or similar components or a combination of the above components, the present invention is not limited thereto. The control unit 150, the processing unit 260, the symbol generating unit 240 and the registering unit 330 are, for example, a central processing unit 260 (Central Processing Unit, CPU), or other programmable general-purpose or special-purpose microprocessors (Microprocessor), A digital signal processor (Digital Signal Processor, DSP), a programmable controller, an application specific integrated circuit (Application Specific Integrated Circuit, ASIC) or other similar components or a combination of the above components, the invention is not limited thereto. The automatic teller machine is not limited to a known hardware device or an online ATM located in a terminal device. Since the automatic teller machine 100 (ATM) is a known device, it will not be described in detail herein.

In this way, through the structures described in the above embodiments, the cardless cash withdrawal mechanism can quickly and effectively verify the identity of the operator by using the surveillance camera and the specific identification mechanism on the existing automatic teller machine. In addition, for banks, there is no need to add additional hardware equipment, which can greatly increase the willingness of banks to set up.

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

10: Card financial transaction system 100: Automatic teller machine 110: the first transmission unit 120: The first camera device 130:Touch screen 140: input unit 150: control unit 200: host server 210: the second transmission unit 220: Database unit 221: User profile 230: Image recognition module 231: Split unit 232: mark unit 233: Calculation unit 240:Symbol generating unit 250: Question Receiving Unit 260: processing unit 300: Bank server 310: the second camera device 320: the third transmission unit 330: Registration unit 400: facial image 410: square array 411: mesh grid 412: grid without dots 500:Prompt screen 511: authentication problem 512: certified answer 520: unlock array 521: array block 522: random character 523, 524: trajectory pattern 530: Number key interface 531: Number group A~D: steps N: network architecture

In order to make the above-mentioned and other purposes, features, advantages and embodiments of this creation more obvious and easy to understand, the description of the accompanying drawings is as follows: Fig. 1 is a block diagram of a cardless financial transaction system of an embodiment of the invention; Fig. 2 is a detailed block diagram of the automatic teller machine in Fig. 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; Fig. 5 is a schematic diagram of the facial image of the present embodiment being subjected to image segmentation; Figure 6A and Figure 6B are schematic diagrams showing the authentication questions displayed on the touch screen in Figure 2 in different orders; FIG. 6C and FIG. 6D are schematic diagrams showing authentication problems displayed on touch screens in different embodiments; Figure 7A and Figure 7B are schematic diagrams showing different authentication questions displayed on the touch screen in Figure 2; and Fig. 8 is a schematic diagram of the flow sequence of the cardless financial transaction system of the present embodiment.

200: host server

210: the second transmission unit

220: Database unit

221: User profile

230: Image recognition module

231: Split unit

232: mark unit

233: Calculation unit

240:Symbol generating unit

250: Question Receiving Unit

260: processing unit

Claims (14)

A cardless financial transaction system, comprising: At least one automatic teller machine includes a first transmission unit, a first camera device and a touch screen, the first camera device is used to capture a first facial image of an operator, and the touch screen is used to display An unlocking array comprising a plurality of array blocks, and receiving a trajectory pattern input by the operator by dragging from the unlocking array; and A host server, including a second transmission unit, a database unit, an image recognition module, a symbol generation 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 multiple pieces of user information corresponding to different user members, the image recognition module is used to identify the first facial image, and the symbol generation unit is used to randomly distribute a plurality of symbol elements to the array areas block, the processing unit is electrically connected to the second transmission unit, the database unit, the image recognition module and the symbol generation unit, and is used to sequentially determine whether the first facial image and the trajectory pattern match the users The user information of one of the members is used as the basis for whether to authenticate the identity of the operator. The cardless financial transaction system as described in claim 1 further includes a bank server, the bank server includes: a second camera device for capturing a second facial image of a person; a third transmission unit electrically connected to the second transmission unit through the network structure; and A registration unit, electrically connected to the second camera device and the third transmission unit, to request the image recognition module to recognize the second facial image, parse the second facial image into a facial feature group and store it in the data in the library unit. The cardless financial transaction system as described in Claim 2, wherein the image recognition module includes: a segmentation unit, for performing an image segmentation technique on the first facial image, and segmenting the first facial image into a first matrix comprising a plurality of first grids of the same size; A marking unit, electrically connected to the dividing unit, for respectively marking a part of the first squares corresponding to all edges of the first square matrix, and another part of the first squares in the remaining positions; and A calculation unit, electrically connected to the marking unit, for calculating a plurality of first feature vectors of the other part of the first facial image corresponding to the first squares, and the first feature vectors are arranged as a first feature vector A feature matrix. The cardless financial transaction system as described in claim 3, wherein the segmentation unit further performs the image segmentation technology on the second facial image, and segments the second facial image into a plurality of second parties with the same size One of the second square matrix of the second square matrix, the marking unit marks a part of the second square grids corresponding to all the edges of the second square matrix, and the other part of the second square grids in the remaining positions, and the calculation unit calculates a plurality of second eigenvectors of the other part of the second facial image corresponding to the second grids, the second eigenvectors are arranged into a second eigenmatrix, and the calculation of the second eigenvectors in the second eigenmatrix The standard deviations corresponding to these second eigenvectors respectively. The cardless financial transaction system as described in claim 4, wherein the processing unit compares the first eigenvectors and the second eigenvectors; judges each of the first eigenvectors and the corresponding one Whether the difference of the second feature vector is located within the corresponding standard deviation; and when the processing unit determines that each of the differences is located within the corresponding standard deviation, the processing unit determines that the first facial image matches the The user profile of one of the user members. The cardless financial transaction system as described in Claim 2, wherein the host server further includes: A question receiving unit, electrically connected to the registration unit and the processing unit, to collect at least one authentication question and the authentication answer corresponding to the authentication question sent by one of the user members from the bank server, and send the authentication Questions and corresponding answers to the certification are stored in the database unit. The cardless financial transaction system as described in claim 6, wherein when the processing unit determines that the first facial image matches the user information of one of the user members, the processing unit is further configured to respond to one of the user members The user information of the member, the authentication question and the unlocking array are simultaneously displayed on the touch screen, and the authentication answer is distributed in a part of the array blocks, and the symbol generating unit is further used to generate a plurality of random Characters, and distribute these random characters in the rest of the array blocks, the processing unit is further used to parse out an input data according to the dragging sequence of the track pattern, and determine that the input data matches the When authenticating the answer, the authentication passes the identity authentication of the operator. The cardless financial transaction system as described in claim 6, wherein when the processing unit determines that the first facial image matches the user information of one of the user members, the processing unit is further configured to respond to one of the user members The user information of the member, the authentication question and the unlocking array are simultaneously displayed on the touch screen, and the authentication answer is distributed in a part of the array blocks, and the symbol generating unit is further used to generate a plurality of random Characters, and distribute these random characters in the rest of the array blocks, the processing unit is further used to parse out an input data according to the dragging order of the track pattern, and when it is judged that the input data contains the When these random characters are used, the authentication passes the identity authentication of the operator. The cardless financial transaction system as described in Claim 1, wherein the touch screen further outputs a number key interface to receive the operator inputting a number group from the number key interface, Wherein when the processing unit judges that the first facial image matches the user profile of one of the user members, the processing unit judges whether the number set input by the operator matches the user of one of the user members The information is used as the basis for whether to pass the identity authentication of the operator. A host server, suitable for a cardless financial transaction system, comprising: A database unit, which stores multiple pieces of user data corresponding to different user members; A transmission unit, electrically connected to an automatic teller machine through a network structure, for receiving an operator's facial image transmitted from the automatic teller machine and a trajectory pattern input on a touch screen of the automatic teller machine; an image recognition module for recognizing the facial image; A symbol generating unit, used to randomly distribute a plurality of symbol elements in an unlocking array displayed on the touch screen, the unlocking array includes a plurality of array blocks; and A processing unit, electrically connected to the transmission unit, the image recognition module, the symbol generation unit and the database unit, for sequentially judging whether the facial image and the track pattern match the user who is one of the user members The information is used as the basis for whether to pass the identity authentication of the operator. The host server as described in claim 10, wherein the image recognition module includes: a segmentation unit, which is used to perform an image segmentation technique on the facial image, and segment the facial image into multiple squares with the same size a square matrix of grids; a marking unit, electrically connected to the division unit, for respectively marking a part of the grids corresponding to all edges of the square matrix, and another part of the grids in the remaining positions; and a calculation unit , is electrically connected to the marking unit, and is used to calculate a plurality of feature vectors of the facial image corresponding to the other part of the squares, and the feature vectors are arranged as a feature matrix. The host server as described in claim 10 further includes: A question receiving unit, electrically connected to the processing unit, used to collect at least one authentication question and a pair of authentication answers corresponding to the authentication question sent by one of the user members from a bank server, and combine the authentication question and the corresponding The authentication answer is stored in the database unit. The host server as described in claim 12, wherein when the processing unit determines that the facial image matches the user information of one of the user members, the processing unit is further configured to respond to the user information of one of the user members, displaying the authentication question and the unlocking array on the touch screen at the same time, and distributing the authentication answer in a part of the array blocks, the symbol generating unit is further used to generate a plurality of random characters, and the These random characters are allocated in the rest of the array blocks, and the processing unit is further used to parse out an input data according to the dragging sequence of the track pattern, and when it is judged that the input data matches the authentication answer, the authentication is passed The identity authentication of the operator. The host server as described in claim 12, wherein when the processing unit determines that the facial image matches the user information of one of the user members, the processing unit is further configured to respond to the user information of one of the user members, displaying the authentication question and the unlocking array on the touch screen at the same time, and distributing the authentication answer in a part of the array blocks, the symbol generating unit is further used to generate a plurality of random characters, and the These random characters are allocated in the rest of the array blocks, and the processing unit is further used to parse out an input data according to the dragging sequence of the track pattern, and when it is judged that the input data contains the random characters, Authentication is through the identity authentication of the operator.

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