TWM649511U - System for registering seal of digital account in cloud - Google Patents

Abstract

A system for registering a seal of a digital account in cloud includes an electronic device and a server. The electronic device obtains a seal digital image which corresponds to the digital account. The server receives the seal digital image and determines if the seal digital image passes a check procedure. If the seal digital image passes the check procedure, the server provides an entrusting deduction function for the digital account.

Description

Digital account cloud seal login system

This disclosure is about a system that allows users to log in to their signatures in the cloud.

At present, more and more users are opening digital accounts in banks. However, if users want to use the digital account to use the entrusted withholding function, some financial insurance companies will reject such applications because the digital account does not have a seal for verification. Apply. For this reason, users must go to the bank counter to apply for seal retention. Not only do they need to ask for leave, but they also have to wait at the bank, which is very inconvenient.

An embodiment of the present disclosure provides a digital account cloud signature login system, which includes an electronic device and a server. The electronic device is used to obtain a digital image of the seal, and the digital image of the seal is corresponding to the digital account. The server communication is connected to the electronic device to receive the digital seal image and determine whether the digital seal image passes the verification process. If the digital seal image passes the verification process, the server is used to provide an entrusted withholding function for the digital account.

In some embodiments, the server is used to determine whether the digital seal image contains a portrait, an ID card, and a seal; if not, it is determined that the digital seal image does not pass the verification process.

In some embodiments, the server is also used to obtain a scanned image of the used seal and determine whether the scanned image of the used seal matches the digital image of the seal. If the scanned seal image does not match the digital seal image, the server determines that the digital seal image does not pass the verification process.

In some embodiments, if the scanned seal image matches the digital seal image, the server is configured to store the scanned seal image in the database.

In some embodiments, the server is used to determine whether the seal overlap percentage between the scanned image of the used seal and the digital image of the seal exceeds a critical value. If so, it is determined that the scanned image of the used seal matches the digital image of the seal; otherwise, it is determined that the scanned image of the used seal does not match the seal. Digital imaging.

In some embodiments, the above threshold is 95%.

In some embodiments, the server is used to receive instructions and determine whether the digital signature image passes the verification process based on the instructions.

In some embodiments, the server is used to set the entrusted withholding function to deduct money from the digital account and deliver the money to the financial insurance company.

In order to make the above-mentioned features and advantages of the present invention more obvious and easy to understand, embodiments are given below and described in detail with reference to the attached drawings.

FIG. 1 is a schematic diagram illustrating a digital account cloud signature login system according to an embodiment. Referring to Figure 1, the digital account cloud signature login system 100 includes an electronic device 110 and a server 120. The electronic device 110 is connected to the server 120 through Internet communication. The electronic device 110 may have a circuit (not shown) that can provide communication functions such as the Internet, a local area network, a wide area network, a cellular network (or mobile network), or wireless fidelity (Wi-Fi). In this embodiment, the electronic device 110 is a smartphone, but in other embodiments, it can also be a notebook computer, a tablet computer, a personal computer, etc., and the present disclosure is not limited thereto. The server 120 is owned by a bank and is used to provide related cloud services related to digital accounts. The electronic device 110 executes an application program to manage the user's digital account in the bank, such as deposit inquiry, transfer, etc. In this disclosure, users can log in their own seals to their digital accounts without having to go to the bank to do it in person.

Specifically, the user first logs in to his or her digital account in the application on the electronic device 110, and then clicks a button such as "Save signature card online". This application will guide the user to download an electronic signature card file. , allowing users to print out the electronic file of the signature card. This electronic signature card file can be a word file, PDF file, image file or any suitable file. There is a blank area in the content presented in the file for the user to stamp. In some embodiments, the application can also provide relevant usage instructions, seal requirements, and consent forms on the screen of the electronic device 110 for the user to read or sign. After users print out the electronic file of the signature card, they can use their seal to stamp on the printed paper (called the signature card). In order to prove that the seal belongs to the user, the application will guide the user to take a photo, in which the seal card, the user himself, and the user's ID card must all be in the photo. For example, a digital image of the seal 130 can be obtained. It includes portrait 131, seal 132 and identity card 133. In some embodiments, the electronic device 110 has an image capture module, which includes a lens and a light sensor, so the electronic device 110 itself can capture the digital signature image 130 , but in other embodiments it can also be captured by other devices. The digital signature image 130 is then sent to the electronic device 110 . Next, the electronic device 110 will transmit the digital signature image 130 to the server 120, and the server 120 will also learn the digital account corresponding to the digital signature image 130.

On the other hand, the application program on the electronic device 110 will also guide the user to send the signature card with the seal to the corresponding bank. For example, if the user opens an account at a branch, the user will be directed to send the payment to the branch; if pure online banking is used, the user will be directed to send the payment to the head office. In some embodiments, the electronic device 110 can also provide a file, which contains an envelope format. The file has been filled with information such as the recipient and the receiving address, and can be printed out by the user, so that the user can There is no need to fill in the address, recipient and other information yourself. The reason why the seal card needs to be sent to the bank is that the seal 132 in the seal digital image 130 may be too small or have insufficient resolution, etc.

When the bank receives the seal card with the seal and the server 120 receives the digital seal image 130, the bank clerk can enter the system provided by the server 120 to accept the "digital account seal opening business" (this disclosure does not limit this name) . Next, the server 120 will determine whether the signature digital image 130 passes a verification process. In some embodiments, the verification can be carried out by a bank clerk. He will check whether the seal on the seal card is consistent with the seal 132 in the seal digital image 130. He can also check whether the identity card, user's account and other information are consistent. After verification by the operator, the operator can send a command to the server 120 through the user interface in the system, and the server 120 determines whether the signature digital image 130 passes the verification process based on the command. If the clerk checks it correctly, he will also scan the seal card and upload it to the database of the server 120.

In some embodiments, the above verification process can also be automatically executed by the server 120 . Specifically, the server 120 can execute an artificial intelligence model or any image processing algorithm to determine whether there is a seal, ID card, or portrait in the digital seal image 130 . If there is no seal, ID card or portrait in the digital seal image 130, the server 120 will automatically determine that the digital seal image 130 does not pass the verification process. The above-mentioned artificial intelligence models are, for example, decision trees, random forests, multi-level neural networks, convolutional neural networks, support vector machines, etc., and the present invention is not limited thereto. In some embodiments, the server 120 can also recognize the text and faces in the digital seal image 130 to verify the user's identity. For example, the server 120 can also execute a face recognition algorithm to determine whether the portrait 131 in the digital seal image 130 and the face on the ID card 133 are the same person. If they are different people, it will be determined that the digital seal image 130 does not pass the verification. program. Alternatively, the server 120 can execute an optical text recognition algorithm to obtain the text on the ID card 133, retrieve the name, ID card number, address and other information, and compare the information with the information in the digital account. If If they are inconsistent, it is determined that the digital seal image 130 does not pass the verification process.

In order to determine whether the seal is correct, the clerk needs to scan the seal card first. The resulting image is called a "scanned seal image." The clerk will upload the scanned seal image to the server 120. The server 120 can execute relevant algorithms to determine the seal used. Whether the scanned image matches the seal digital image 130. For example, the server 120 can first detect the foreground object (i.e., seal) in the scanned seal image and the digital seal image, and then align the seal in the scanned seal image and the seal in the digital seal image 130, by continuously shifting one of them. This is achieved by sealing and calculating the error between the two seals. The position of the minimum error is the aligned position. The error used here can be the root mean square (RMS), sum of absolute difference (SAD) ), etc., this disclosure is not limited to this. Next, the server 120 will determine the overlap percentage between the two seals. For example, the seal image can be binarized, where "1" represents the seal and "0" represents the background. After the two seals are aligned, if the pixels of the two seals at the same position are both "1", it means that the pixels overlap. If only one pixel is "1" and the other is "0", it means there is no overlap. Then Calculates the percentage of overlapping pixels as a percentage of all pixels. The server 120 will determine whether the percentage exceeds a threshold value. If so, it will determine that the scanned image of the used seal matches the digital seal image 130 . Otherwise, it will be determined that the scanned image of the used seal does not match the digital seal image 130 . In some embodiments, the above threshold value is 95%, but the present disclosure is not limited thereto. However, in other embodiments, it can also be set to 90% or any other suitable value. If the scanned seal image matches the digital seal image 130, the server 120 will store the scanned seal image in the database for subsequent verification. If the scanned seal image does not match the digital seal image 130, the server 120 will determine that the digital seal image 130 does not pass the verification process.

After determining that the digital seal image 130 passes the verification process, the server 120 can provide an entrusted withholding function in the user's digital account. In some embodiments, the commissioned withholding function is configured to automatically debit the digital account and deliver the money to a financial insurance company. Due to financial fraud, some digital accounts may be household accounts, so some financial insurance companies will require a login seal, otherwise they will not be responsible for the entrusted withholding business. However, through the content disclosed above, users can easily log in their seals in their digital accounts without having to go to the counter to handle it, so they can use the entrusted withholding function. The above-mentioned users may be new customers or existing customers, and this disclosure is not limited thereto.

Although the present invention has been disclosed above through embodiments, they are not intended to limit the present invention. Anyone with ordinary knowledge in the technical field can make some modifications and modifications without departing from the spirit and scope of the present invention. Therefore, The scope of protection of the present invention shall be determined by the appended patent application scope.

100: Digital account cloud seal login system 110: Electronic devices 120:Server 130: Digital image of seal 131:Portrait 132:Seal 133:ID card

FIG. 1 is a schematic diagram illustrating a digital account cloud signature login system according to an embodiment.

100: Digital account cloud seal login system

110: Electronic devices

120:Server

130: Digital image of seal

131:Portrait

132:Seal

133:ID card

Claims (8)

A digital account cloud seal login system, including: An electronic device used to obtain a digital image of a seal, wherein the digital image of the seal corresponds to a digital account; a server, communication connected to the electronic device, for receiving the digital seal image and determining whether the digital seal image passes a verification process, If the digital signature image passes the verification process, the server is used to provide an entrusted withholding function for the digital account. The digital account cloud seal login system as described in request item 1, wherein the server is used to determine whether the digital seal image contains a portrait, an ID card and a seal; if not, it is determined that the digital seal image does not pass the verification process. . The digital account cloud seal login system described in request item 2, wherein the server is also used to obtain a scanned image of the seal and determine whether the scanned image of the seal matches the digital image of the seal, If the scanned seal image does not match the digital seal image, the server determines that the digital seal image does not pass the verification process. The digital account cloud seal login system described in claim 3, wherein if the scanned seal image matches the digital seal image, the server is used to store the scanned seal image in a database. The digital account cloud seal login system as described in request item 3, wherein the server is used to determine whether the seal overlap percentage between the scanned seal image and the digital image of the seal exceeds a critical value, and if so, determine that the scanned seal image matches to the digital image of the seal, otherwise it is determined that the scanned image of the seal does not match the digital image of the seal. The digital account cloud seal login system as described in request item 5, wherein the critical value is 95%. The digital account cloud signature login system described in claim 1, wherein the server is used to receive an instruction and determine whether the signature digital image passes the verification process based on the instruction. The digital account cloud signature login system described in request item 1, wherein the server is used to set the entrusted withholding function to deduct money from the digital account and hand over the money to a financial insurance company.

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