WO2013034025A1 - 自助交易自动紧急避险系统 - Google Patents

自助交易自动紧急避险系统 Download PDF

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Publication number
WO2013034025A1
WO2013034025A1 PCT/CN2012/078401 CN2012078401W WO2013034025A1 WO 2013034025 A1 WO2013034025 A1 WO 2013034025A1 CN 2012078401 W CN2012078401 W CN 2012078401W WO 2013034025 A1 WO2013034025 A1 WO 2013034025A1
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WIPO (PCT)
Prior art keywords
self
service
emergency
user
information
Prior art date
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PCT/CN2012/078401
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English (en)
French (fr)
Inventor
罗攀峰
谢飞
王庆华
陶品德
霍国杰
Original Assignee
广州广电运通金融电子股份有限公司
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
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Application filed by 广州广电运通金融电子股份有限公司 filed Critical 广州广电运通金融电子股份有限公司
Priority to AU2012306910A priority Critical patent/AU2012306910B2/en
Priority to US13/877,086 priority patent/US20140214672A1/en
Priority to EP12830213.0A priority patent/EP2755191A4/en
Publication of WO2013034025A1 publication Critical patent/WO2013034025A1/zh
Priority to ZA2013/06044A priority patent/ZA201306044B/en

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Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/407—Cancellation of a transaction
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
    • G07F19/20—Automatic teller machines [ATMs]
    • G07F19/207—Surveillance aspects at ATMs
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4016—Transaction verification involving fraud or risk level assessment in transaction processing
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06V—IMAGE OR VIDEO RECOGNITION OR UNDERSTANDING
    • G06V40/00—Recognition of biometric, human-related or animal-related patterns in image or video data
    • G06V40/10—Human or animal bodies, e.g. vehicle occupants or pedestrians; Body parts, e.g. hands
    • G06V40/16—Human faces, e.g. facial parts, sketches or expressions
    • G06V40/172—Classification, e.g. identification
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04N—PICTORIAL COMMUNICATION, e.g. TELEVISION
    • H04N7/00—Television systems
    • H04N7/18—Closed-circuit television [CCTV] systems, i.e. systems in which the video signal is not broadcast

Definitions

  • the invention relates to the technical field of finance, in particular to a self-service automatic emergency hedging system. Background technique
  • the invention provides a self-service automatic emergency hedging system, which automatically recognizes external unsafe factors during the transaction process of the current user of the self-service terminal, and can automatically adopt emergency hedging when detecting that the operating user in the safe area of the self-service terminal changes. In order to suspend the current transaction, the user's funds are guaranteed to be safe.
  • the invention provides a self-service automatic emergency hedging system, comprising:
  • An emergency signal generating module configured to collect and identify current environmental information in the secure area of the self-service terminal during the transaction process, and extract user characteristic information in the collected current environmental information and compare the stored user comparison information, if Inconsistent, an emergency interrupt service signal is sent; wherein the user comparison information is user feature information collected and stored when the user inputs the correct password to perform the transaction;
  • the self-service terminal control module is configured to detect and receive the emergency interrupt service signal, and control the self-service terminal to terminate the transaction according to the emergency interrupt service signal.
  • the self-service automatic emergency hedging system of the present invention has the following beneficial effects:
  • the self-service automatic emergency hedging system provided by the present invention automatically recognizes external unsafe factors during the transaction process of the current user of the self-service terminal, when detecting When the operation user in the self-service terminal security area changes, the emergency hedging can be automatically adopted to suspend the current transaction and ensure the security of the user's funds.
  • the emergency signal generation module is used to collect and identify the current environmental information in the safe area of the self-service terminal, and extract the user characteristic information in the collected current environmental information and compare the stored user comparison information, if the inconsistency And sending an emergency interrupt service signal; wherein, the user comparison information is user characteristic information collected and stored by the user when the correct password is input to perform the transaction; and the self-service terminal control module detects and receives the emergency interrupt service signal, and The self-service terminal suspends the transaction according to the emergency interrupt service signal.
  • FIG. 1 is a schematic structural diagram of a self-service automatic emergency hedging system provided by the present invention
  • FIG. 2 is a schematic flow chart of a self-service automatic emergency hedging system provided by the present invention applied to a self-service terminal control system of the prior art for processing a withdrawal service. ;
  • FIG. 3 is a schematic flow chart of the self-service automatic emergency hedging system provided by the present invention applied to the prior art self-help terminal control system for performing the transfer business processing. detailed description
  • FIG. 1 it is a schematic structural diagram of a self-service automatic emergency hedging system provided by the present invention.
  • the external unsafe factor is automatically recognized during the transaction process of the current user of the self-service terminal, and the emergency hedging can be automatically adopted to stop when the operation user in the safe area of the self-service terminal is detected to be changed.
  • Current transactions ensure the safety of users' funds.
  • the control system specifically includes:
  • the emergency signal generating module 10 is configured to collect and identify current environment information in the secure area of the self-service terminal during the transaction process, and extract user characteristic information in the collected current environment information and compare the stored user comparison information, If not, the emergency interrupt service signal is sent; wherein the user comparison information is user characteristic information collected and stored when the user inputs the correct password to perform the transaction;
  • the self-service terminal control module 20 is configured to detect and receive the emergency interrupt service signal, and control the self-service terminal to suspend the transaction according to the emergency interrupt service signal.
  • the emergency signal generating module 10 specifically includes:
  • the collecting unit 11 is configured to collect (for example, every 200 ms) and collect an image of the current environment information in the safe area of the self-service terminal from the camera video when detecting that the user inputs the correct password to perform the transaction;
  • the identification processing unit 12 is configured to pre-process the current environment information image collected by the collection unit 11 and then perform recognition processing by using a face detection technology to identify a face on the image in the current security area of the self-service terminal. Whether there is only one face image, if not only, indicating that there is an insecure factor in the current security area of the self-service terminal, an emergency interrupt service signal is sent; if there is only one person, the identified image is sent to the user feature extraction unit. User feature information is extracted and the previously issued emergency interrupt service signal is released.
  • the user feature extraction unit 13 is configured to extract user feature information in the current environment information image in the captured self-service terminal security area; wherein, the user feature collected and extracted when the user inputs the correct password to perform the transaction is detected.
  • the information transmission storage unit 14 performs storage, and the user characteristic information collected and extracted at any time is sent to the user characteristic information temporary storage unit 15 for temporary storage;
  • the storage unit 14 is configured to store user feature information collected and extracted when the user inputs the correct password to perform the transaction, as the user comparison information;
  • the user feature information temporary storage unit 15 is configured to temporarily store the user feature information image extracted by the user feature extraction unit;
  • the comparing unit 16 is configured to compare the user feature information extracted by the user feature extraction unit with the user comparison information in the storage unit; if not, issue an emergency interrupt service signal; otherwise, cancel the previously issued emergency interrupt service signal.
  • the comparison unit 16 compares the three user feature information images with the user comparison information in parallel, and only When the three user characteristic information images are inconsistent with the user comparison information, the emergency interrupt service signal is issued.
  • the face matching is performed by comparing the detected face image with the standard face image (user comparison information) in the storage unit 14 to see if it is the face of the same person.
  • Face recognition uses face recognition technology.
  • face recognition and comparison its current technical knowledge
  • the rate is about 90%-95%.
  • the software structure is designed with redundancy scheme.
  • the redundancy scheme is as follows:
  • the video image is collected at regular intervals.
  • the captured images need to be discriminated by the clarity. Each time three clear images are collected, the recognition is made.
  • the probability of a failure to identify once is only about one-tenth of a percent, reducing the noise and interference caused by the limitations of the identification technology and reducing the vibration of the business system.
  • the emergency interrupt service signal temporary storage unit 17 is configured to temporarily store the emergency interrupt service signal sent by the identification processing unit or the comparison unit.
  • the detection of the emergency interrupt signal is queried at the appropriate time.
  • the appropriate timing of the emergency interrupt signal query by the self-service terminal control module 20 means that the processing module has processed an atomic service, and the service point can be temporarily interrupted without affecting the progress of the entire service service. Therefore, the generated emergency interrupt service signal must be temporarily stored in the emergency interrupt service signal temporary storage unit 17 for detection.
  • the self-service terminal control module 20 includes:
  • the detecting unit 21 detects the emergency interrupt service signal in the emergency interrupt service signal temporary storage unit based on the set security query point;
  • the control unit 22 is configured to control the self-service terminal to suspend the current transaction when the detecting unit detects that the emergency interrupt service signal is present.
  • the detecting unit 21 detects the emergency interrupt service signal, it enters a waiting state, so that the control unit 22 controls the self-service terminal to suspend the current transaction, and the detecting unit 21 times the emergency in a limited time of the waiting state.
  • the emergency interrupt service signal in the interrupt service signal temporary storage unit 17 is detected, and the control unit is notified to control the self-service terminal to continue the current transaction only when it is detected that the emergency interrupt service signal is released; otherwise, when the limited time arrives, the control Unit 22 controls the self-service terminal to abort the current transaction.
  • the set security query point is a service point when the self-service terminal processes an atomic service.
  • the information of the security inquiry point in the withdrawal service can be collected, and the 8583 message is prepared to be submitted to the background information center and the business process is executed until the banknote is dispensed from the cash box. And prepare to send the money to the front of the cash withdrawal.
  • the transfer information of the security inquiry point in the transfer business can be collected, and the 8583 message is ready to be submitted to the background information center.
  • the invention is directed to the first inquiry point of the withdrawal business and the inquiry point of the transfer business, and the automatic emergency hedging process of the processing module is designed to directly cancel the current service, and after giving the relevant user prompt, print the receipt to enter the next business process.
  • the business category selection interface waits for the user to select the business category. It can also be designed to cancel the business directly, and after giving the relevant user prompts, print the receipt and return the card.
  • the automatic emergency hedging process of the processing module is designed to recycle the banknotes on the cash dispenser into the cash box, and then the processing module initiates the flushing process, and after the punching is completed, the relevant After the user prompts, the receipt is printed, and the user enters the beginning of the next business process, that is, the service type selection interface waits for the user to select the service type. It can also be designed to cancel the business directly, and after giving the relevant user prompts, print the receipt and return the card.
  • the self-service automatic emergency hedging system provided by the embodiment of the present invention can be applied to a self-service terminal such as an automatic teller machine (Automatic Teller Machine), and automatically in the current user transaction process of the self-service terminal. Identifying external unsafe factors, when detecting changes in the operating users in the safe area of the self-service terminal, it can automatically adopt emergency hedging to stop the current transaction and ensure the security of the user's funds.
  • a self-service terminal such as an automatic teller machine (Automatic Teller Machine)
  • Automatic Teller Machine Automatic Teller Machine
  • the emergency signal generation module is used to collect and identify the current environmental information in the safe area of the self-service terminal, and extract the extracted
  • the user characteristic information in the current environment information of the set is compared with the stored user comparison information, and if not, the emergency interrupt service signal is sent; wherein the user comparison information is collected and stored when the user inputs the correct password to perform the transaction.
  • User characteristic information; and the self-service terminal control module detects and receives the emergency interrupt service signal, and controls the self-service terminal to terminate the transaction according to the emergency interrupt service signal.
  • the operation authority is transferred, or other people appear in the security area.
  • the process flow that is beneficial to the security of the cardholder account is automatically created without manual intervention, which improves the security of the account funds during the operation of the user's business, and reduces the criminal success rate of the criminals. Rate of return on crime.
  • FIG. 2 is a schematic flowchart of the self-service automatic emergency hedging system provided by the present invention applied to the self-service terminal control system of the prior art for processing the withdrawal service.
  • the specific steps include:
  • the acquisition unit 11 periodically (for example, every 200 ms) and collects an image of the current environment information in the secure area of the self-service terminal from the camera video;
  • the recognition processing unit 12 first pre-processes the current environment information image collected by the collection unit 11, and then performs recognition processing by the face detection technology to identify the face on the image in the current security area of the self-service terminal. Whether there is only one face image, if not only, indicating that there is an unsafe factor in the current security zone of the self-service terminal, then an emergency interrupt service signal is sent to the emergency interrupt service signal temporary storage unit 17; if there is only one person, the financial self-service terminal service processing system Providing the service, starting the card reading, and then entering the input password interface. In addition, if the identification processing unit 12 has previously issued the emergency interrupt service signal to the emergency interrupt service signal temporary storage unit 17, when only one person is processed in the identification process , then perform a reset operation, which will have been issued before Broken service signal deletion;
  • the collecting unit 11 inputs the correct password for the transaction to collect the image of the current environmental information in the safe area of the self-service terminal from the captured video for clarity acceptance and face recognition processing, if If there is only one face, the user feature information extracted by the user feature extraction unit 13 is stored in the storage unit 14 for storage as user comparison information (user standard face image);
  • the collecting unit 11 continuously collects the face image of the operator of the safe zone and compares it with the standard face image of the storage unit 14. If it is a different person or not only one person, an emergency interrupt signal is generated.
  • the emergency interrupt service signal temporary storage unit 17 is stored for the self-service terminal control module 20 to query and call; otherwise, the emergency status signal in the emergency interrupt service signal temporary storage unit 17 is reset for the self-service terminal control module 20 to query and invoke. The emergency signal is reset, indicating that the previous emergency has been removed.
  • the financial self-service terminal service processing system packs the obtained bank card information, password information, and service information into 8583 messages.
  • the detecting unit 21 of the self-service terminal control module 20 performs an inquiry of the emergency signal and reads the emergency signal in the emergency interrupt service signal temporary storage unit 17.
  • the control unit 22 controls the self-service terminal to suspend the current transaction, and suspends sending the 8583 message to the bank background service processing system.
  • the waiting state is entered, and the detecting unit 21 queries the emergency signal every 3 seconds, until the time is 40s. If it is detected that the emergency state is released within 40s, the financial self-service terminal continues the processing of the current service, sends 8583 messages to the bank background, and continues the remaining process; otherwise, the control unit 22 controls the self-service terminal to suspend the current transaction, and performs automatic emergency avoidance. Risk management. Automated emergency hedging can be done after the business operation failure related prompts, or after the business operation failure prompts, directly enter the next business selection interface.
  • the financial self-service terminal continues the processing of the current service, and sends a 8583 message to the bank background business processing system, waiting for the bank background processing result; Failure, according to the current business process, the existing process continues Continued; If the background processing is successful, the execution module starts to dispense the banknotes, grinds the banknotes from the banknotes, and the banknotes are ground out from the banknotes into the temporary storage module, and then the banknote identification module and the upper machine are sequentially rejected, and the banknotes are stacked to the banknote register.
  • the detecting unit 21 of the self-service terminal control module 20 After the banknote is completed, before the banknote is issued to the banknote dispensing counter, at this time, the detecting unit 21 of the self-service terminal control module 20 performs an inquiry of the emergency signal, and reads the emergency signal in the emergency interrupt service signal temporary storage unit 17.
  • the detecting unit 21 detects that the emergency signal is false (not present)
  • the financial self-service terminal continues the processing of the current service, and the banknote on the banknote register is discharged to the cash dispensing port, waiting for the user. Taking the banknotes and continuing the remaining process; when the detecting unit 21 detects that the emergency signal is true (present), that is, when the security zone is in an emergency, the control unit 22 controls the self-service terminal to suspend the current transaction, and stops the banknote, the banknote Still on the banknote register, the waiting state is entered, and the detecting unit 21 queries the emergency signal every 3 seconds until the time is 40 s, during which the banknote stays on the banknote register.
  • the financial self-service terminal continues the remaining process of the existing business, and the banknote will be sent from the banknote register to the cash dispensing port for the user to take away; otherwise, the control unit 22 controls the self-service.
  • the terminal suspends the current business, performs automatic emergency hedging processing, performs automatic emergency hedging processing, gives safety prompt information, and executes the process of recycling banknotes.
  • the banknotes are passed from the banknote register, and then pass through the upper machine rejection and banknote identification module, and enter the recycling bin. At this point, the execution module recycles the banknotes; then initiates a positive correction to display the positive result. Finally enter the transaction selection interface, or return the card to print the receipt, the business is over.
  • FIG. 3 is a schematic flowchart of a self-service automatic emergency hedging system provided by the present invention applied to a self-help terminal control system of the prior art for processing a withdrawal service. The specific steps include:
  • the acquisition unit 11 periodically (for example, every 200 ms) and collects an image of the current environment information in the secure area of the self-service terminal from the camera video;
  • the recognition processing unit 12 first pre-processes the current environment information image collected by the collection unit 11, and then performs recognition processing by the face detection technology to identify the face on the image in the current security area of the self-service terminal. Is there only one face image, if not only, If there is an insecure factor in the current security area of the terminal, an emergency interrupt service signal is sent to the emergency interrupt service signal temporary storage unit 17; if there is only one person, the financial self-service terminal service processing system provides the service, starts the card reading, and then enters Entering the password interface. In addition, if the identification processing unit 12 has previously issued the emergency interrupt service signal to the emergency interrupt service signal temporary storage unit 17, when only one person is processed in the identification process, the reset operation is performed, and the previous operation has been issued. Emergency interrupt service signal deletion;
  • the collecting unit 11 inputs the correct password for the transaction to collect the image of the current environmental information in the safe area of the self-service terminal from the captured video for clarity acceptance and face recognition processing, if If there is only one face, the user feature information extracted by the user feature extraction unit 13 is stored in the storage unit 14 for storage as user comparison information (user standard face image);
  • the collecting unit 11 continuously collects the face image of the operator of the safe zone and compares it with the standard face image of the storage unit 14. If it is a different person or not only one person, an emergency interrupt signal is generated.
  • the emergency interrupt service signal temporary storage unit 17 is stored for the self-service terminal control module 20 to query and call; otherwise, the emergency status signal in the emergency interrupt service signal temporary storage unit 17 is reset for the self-service terminal control module 20 to query and invoke. The emergency signal is reset, indicating that the previous emergency has been removed.
  • the financial self-service terminal service processing system packs the obtained bank card information, password information, service information and all transfer information into 8583 messages.
  • the detecting unit 21 of the self-service terminal control module 20 performs an inquiry of the emergency signal and reads the emergency signal in the emergency interrupt service signal temporary storage unit 17.
  • the financial self-help terminal continues the processing of the current service, and sends a 8583 message to the bank background service processing system, waiting for the bank background processing result;
  • the control unit 22 controls the self-service terminal to suspend the current transaction, and suspends sending the 8583 message to the bank background service processing system.
  • the waiting state is entered, and the detecting unit 21 queries the emergency signal every 3 seconds, until the time is 40s. If detected within 40s The emergency state is released, the financial self-service terminal continues the processing of the current service, and sends the 8583 message to the bank background to continue the remaining process; otherwise, the control unit 22 controls the self-service terminal to suspend the current service, performs automatic emergency avoidance processing, and prints a receipt. , enter the transaction selection interface, or print the receipt to return the card, the business is over.
  • the storage medium may be a magnetic disk, an optical disk, a read-only memory (ROM), or a random access memory (RAM).

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Abstract

一种自助交易自动紧急避险系统，该系统包括紧急信号生成模块（10）和自助终端控制模块（20）。所述紧急信号生成模块（10）用于在交易过程中，对自助终端安全区域内的当前环境信息进行采集及识别，并提取已采集的当前环境信息中的用户特征信息与存储的用户对比信息进行比较，若不一致，则发出紧急中断服务信号；其中，所述用户对比信息为用户输入正确密码以进行交易时所采集并存储的用户特征信息。所述自助终端控制模块（20）用于检测和接收所述紧急中断服务信号，并根据所述紧急中断服务信号控制自助终端中止交易。该自助交易自动紧急避险系统能够在自助终端当前用户的交易过程中自动识别外界不安全因素，当检测到自助终端安全区域内的操作用户发生改变时能够自动采用紧急避险以中止当前交易，保证用户的资金安全。

Description

自助交易自动紧急避险系统 本申请要求于 2011 年 09 月 08 日提交中国专利局、 申请号为 201110265089.0、 发明名称为"自助交易自动紧急避险系统"的中国专利申 请的优先权， 其全部内容通过引用结合在本申请中。 技术领域
本发明涉及金融技术领域，尤其涉及一种自助交易自动紧急避险系统。 背景技术
随着我国金融电子化的发展， 金融自助交易逐步成为金融机构为客户 服务的主要途径。 然而， 随着金融自助终端的广泛应用， 金融自助终端安 全问题日益凸现， 受到社会的广泛关注， 防范金融自助交易犯罪已成为一 个世界性课题。
如何从技术上降低金融自助终端犯罪？ 首要考虑问题是降低这一犯罪 行为的风险收益率， 提高犯罪分子犯罪成本。 目前， 国内各大银行， 各金 融自助设备软硬件产品提供商， 提供了各种安全方案和各类安全产品， 来 加强金融自助设备安全性。
目前提高金融自助设备安全的方案主要有以下一些方式：
( 1 )通过视频监控， 可以事后再现犯罪场所， 以利于公安机关追踪犯 罪嫌疑人， 这是一种 "亡羊补牢" 措施。
( 2 )通过对犯罪人员的一些特定犯罪方法，如安装一些盗取用户密码 和卡信息的欺骗装置， "头痛医头" 的对金融自助设备进行安全整改。
( 3 )对于 "山寨"金融自助设备，提出 EMV方案或者手机操作方案， 但这些方案都是建立在大幅度整改现有业务操作流程、或者银行业务平台、 或者用户习惯等基础上， 存在成本过高、 历时较久的缺陷， 尤其是触及到 了银行内部业务平台的大整改， 短时间内无法实行。
现有安全解决方案面临的问题是： 这些方案并不能从技术上主动预防 和主动中止金融自助设备犯罪。 尤其是对于操作人员遭受劫持， 操作权限 发生转移等导致用户损失的情况， 却没有相应的技术安全保障措施。 发明内容
本发明提出一种自助交易自动紧急避险系统， 对自助终端当前用户的 交易过程中， 自动识别外界不安全因素， 当检测到自助终端安全区域内的 操作用户发生改变时能够自动采用紧急避险以中止当前交易， 保证用户的 资金安全。
本发明提供一种自助交易自动紧急避险系统， 包括：
紧急信号生成模块， 用于在交易过程中， 对自助终端安全区域内的当 前环境信息进行采集及识别， 并提取已采集的当前环境信息中的用户特征 信息与存储的用户对比信息进行比较， 若不一致， 则发出紧急中断服务信 号； 其中， 所述用户对比信息为用户输入正确密码以进行交易时所采集并 存储的用户特征信息；
自助终端控制模块， 用于检测和接收所述紧急中断服务信号， 并根据 所述紧急中断服务信号控制自助终端中止交易。
实施本发明所述自助交易自动紧急避险系统， 具有如下有益效果： 本发明提供的自助交易自动紧急避险系统， 对自助终端当前用户的交 易过程中， 自动识别外界不安全因素， 当检测到自助终端安全区域内的操 作用户发生改变时能够自动采用紧急避险以中止当前交易， 保证用户的资 金安全。 例如， 交易过程中， 采用紧急信号生成模块对自助终端安全区域 内的当前环境信息进行采集及识别， 并提取已采集的当前环境信息中的用 户特征信息与存储的用户对比信息进行比较， 若不一致， 则发出紧急中断 服务信号； 其中， 所述用户对比信息为用户输入正确密码以进行交易时所 采集并存储的用户特征信息； 并采用自助终端控制模块检测和接收所述紧 急中断服务信号， 并根据所述紧急中断服务信号控制自助终端中止交易。 因此在金融自助终端业务交易过程中（尤其取款和转账交易时），会根据外 部环境的变化， 如出现金融自助设备操作人员在安全区域内遭受劫持导致 操作权限转移， 或者安全区域出现了其他人等不安全因素时， 不需要人工 干预就自动做出有利于持卡人账户资金安全的流程走向， 从技术上提高了 用户业务操作过程中的帐户资金安全， 降低了犯罪分子的犯罪成功率和犯 罪收益
附图说明
图 1是本发明提供的自助交易自动紧急避险系统的结构示意图； 图 2是本发明提供的自助交易自动紧急避险系统运用到现有技术的自 助终端控制系统中进行取款业务处理的流程示意图；
图 3为本发明提供的自助交易自动紧急避险系统运用到现有技术的自 助终端控制系统中进行转账业务处理的流程示意图。 具体实施方式
下面将结合本发明实施例中的附图， 对本发明实施例中的技术方案进 行清楚、 完整地描述， 显然， 所描述的实施例仅仅是本发明一部分实施例， 而不是全部的实施例。 基于本发明中的实施例， 本领域普通技术人员在没 有作出创造性劳动前提下所获得的所有其他实施例， 都属于本发明保护的 范围。
参见图 1 , 是本发明提供的自助交易自动紧急避险系统的结构示意图。 本实施例自助交易自动紧急避险系统通过对自助终端当前用户的交易过程 中， 自动识别外界不安全因素， 当检测到自助终端安全区域内的操作用户 发生改变时能够自动采用紧急避险以中止当前交易，保证用户的资金安全。 该控制系统具体包括：
紧急信号生成模块 10, 用于在交易过程中， 对自助终端安全区域内的 当前环境信息进行采集及识别， 并提取已采集的当前环境信息中的用户特 征信息与存储的用户对比信息进行比较， 若不一致， 则发出紧急中断服务 信号； 其中， 所述用户对比信息为用户输入正确密码以进行交易时所采集 并存储的用户特征信息；
自助终端控制模块 20, 用于检测和接收所述紧急中断服务信号， 并根 据所述紧急中断服务信号控制自助终端中止交易。
其中， 所述紧急信号生成模块 10具体包括： 采集单元 11 , 用于定时 （例如每隔 200ms )及当检测到用户输入正确 密码以进行交易时从摄像视频中采集一帧自助终端安全区域内的当前环境 信息的图像；
识别处理单元 12, 用于将所述采集单元 11采集到的当前环境信息图 像首先进行预处理， 然后通过人脸检测技术进行识别处理， 以识别出自助 终端当前安全区域内的图像上的人脸是否仅有一人脸图像， 若不仅， 说明 自助终端当前安全区域内存在不安全因素， 则发出紧急中断服务信号； 若 仅有一人， 才将经过识别处理后的图像发送所述用户特征提取单元进行用 户特征信息提取， 并解除先前发出的紧急中断服务信号。
用户特征提取单元 13 , 用于提取已采集到的自助终端安全区域内的当 前环境信息图像中的用户特征信息； 其中， 将当检测到用户输入正确密码 以进行交易时所采集及提取的用户特征信息发送存储单元 14进行存储，而 其他任何时候采集并提取的用户特征信息发送用户特征信息暂存单元 15 进行暂存；
存储单元 14, 用于储存当检测到用户输入正确密码以进行交易时所采 集及提取的用户特征信息， 作为用户对比信息；
用户特征信息暂存单元 15 , 用于将所述用户特征提取单元提取的用户 特征信息图像进行暂存；
对比单元 16, 用于将所述用户特征提取单元提取出的用户特征信息与 存储单元中的用户对比信息进行比较； 若不一致， 则发出紧急中断服务信 号； 否则解除先前发出的紧急中断服务信号。
当所述用户特征信息暂存单元 16中的用户特征信息图像等于三个时， 所述对比单元 16 才将所述三个用户特征信息图像与所述用户对比信息并 行进行比较， 且仅当所述三个用户特征信息图像与所述用户对比信息均不 一致时， 才发出紧急中断服务信号。
进行人脸比对就是以存储单元 14中的标准人脸图像（用户对比信息） 作为参照物， 来比较检测到的人脸图像， 看是否是同一个人的人脸。 人脸 比对采用的是人脸识别技术。 较佳地， 人脸识别与比较， 其目前技术的识 别率约为 90%-95% ,为提高识别的可靠性，其软件结构采用冗余方案设计， 其冗余方案流程如下：
1 ,每隔一定时间采集一次视频图像，对所采集的图像均需要通过清晰 度判别， 每采集到三张清晰图像， 才构成一次识别。
,2, 三张图像识别并行进行， 其三个识别输出结果， 采用 "或" 表决 器进行表决， 决定最后的识别输出结果， 也就是说三张图像只要有一张识 别成功， 一次人脸识别就算成功；
人脸识别采用神经网络技术， 人脸识别无法达到 100% , —次对多张 图片进行检测， 并把检测结果采用或表决器表决， 可减少人脸误判率， 提 高业务系统的稳定性。 不失一般性， 假设人脸识别的误判率为 5% , 而采 用或表决器后， 三次识别结果并行用 "或" 表决器表决， 则一次识别的误 判率为 5% X 5% X 5%=0.000125。 一次识别失败的可能性只有万分之一左 右， 降低了由于识别技术的局限性带来的噪声和干扰， 减少了业务系统的 震荡。
紧急中断服务信号暂存单元 17, 用于暂存所述识别处理单元或所述对 比单元发出的紧急中断服务信号。
根据自助终端业务处理流程的特点， 为了不会影响整个业务服务的进 展的，
进行紧急中断信号的检测是在合适时机才查询的。 自助终端控制模块 20进行紧急中断信号查询的合适时机， 是指处理模块已经处理完一个原子 服务， 并且该服务点是可以暂时中断的， 而不会影响整个业务服务的进展 的。 因此生成的紧急中断服务信号必须先暂存于紧急中断服务信号暂存单 元 17中以待检测。
具体地， 所述自助终端控制模块 20包括：
检测单元 21 ,基于设定的安全查询点对紧急中断服务信号暂存单元中 的紧急中断服务信号进行检测；
控制单元 22, 用于当所述检测单元检测出存在紧急中断服务信号时， 控制自助终端中止当前交易。 较佳地， 当所述检测单元 21 检测到紧急中断服务信号时进入等待状 态， 使所述控制单元 22控制自助终端暂停当前交易， 而所述检测单元 21 在等待状态的限定时间内定时对紧急中断服务信号暂存单元 17 中的紧急 中断服务信号进行检测， 仅当检测到紧急中断服务信号被解除时才通知所 述控制单元控制自助终端继续当前交易； 否则当限定时间到达时， 所述控 制单元 22控制自助终端中止当前交易。
而所述设定的安全查询点为自助终端处理完一个原子服务时的服务 点。 在具体实施， 如为取款业务时， 可以将安全查询点设在取款业务的信 息收集完毕，并打成 8583报文准备提交后台信息中心前及业务程序执行到 从钱箱配钞出钞完毕， 并准备送钞到出钞口前。 而为转账业务时， 可以将 安全查询点设在转账业务的转账信息收集完毕，并打成 8583报文准备提交 后台信息中心前。
本发明针对取款业务第一个查询点， 以及转账业务的查询点， 处理模 块的自动紧急避险流程设计成直接取消本次业务， 给出相关用户提示后， 打印凭条， 进入下一业务流程的开始之初， 也就是业务种类选择界面等待 用户选择业务种类。 也可以设计成直接取消本次业务， 给出相关用户提示 后， 打印凭条， 退卡。
本发明对于取款业务的第二个安全查询点， 处理模块的自动紧急避险 流程设计成回收送钞架上的钞票进入钞箱， 然后处理模块发起冲正流程， 冲正完毕后， 给出相关用户提示后， 打印凭条， 进入下一业务流程的开始 之初， 也就是业务种类选择界面等待用户选择业务种类。 也可以设计成直 接取消本次业务， 给出相关用户提示后， 打印凭条， 退卡。
具体实施时， 本发明实施例提供的自助交易自动紧急避险系统， 可应 用到自动拒员机 ( Automatic Teller Machine , 筒称 ATM )等自助终端中， 在自助终端当前用户的交易过程中， 自动识别外界不安全因素， 当检测到 自助终端安全区域内的操作用户发生改变时能够自动采用紧急避险以中止 当前交易， 保证用户的资金安全。 例如， 交易过程中， 采用紧急信号生成 模块对自助终端安全区域内的当前环境信息进行采集及识别， 并提取已采 集的当前环境信息中的用户特征信息与存储的用户对比信息进行比较， 若 不一致， 则发出紧急中断服务信号； 其中， 所述用户对比信息为用户输入 正确密码以进行交易时所采集并存储的用户特征信息； 并采用自助终端控 制模块检测和接收所述紧急中断服务信号， 并根据所述紧急中断服务信号 控制自助终端中止交易。 因此在金融自助终端业务交易过程中 （尤其取款 和转账交易时），会根据外部环境的变化，如出现金融自助设备操作人员在 安全区域内遭受劫持导致操作权限转移， 或者安全区域出现了其他人等不 安全因素时， 不需要人工干预就自动做出有利于持卡人账户资金安全的流 程走向， 从技术上提高了用户业务操作过程中的帐户资金安全， 降低了犯 罪分子的犯罪成功率和犯罪收益率。
下面， 结合图 2和图 3 , 具体描述本发明自助交易自动紧急避险系统 应用到现有技术的自助终端控制系统中的处理过程。
首先请参考图 2, 是本发明提供的自助交易自动紧急避险系统运用到 现有技术的自助终端控制系统中进行取款业务处理的流程示意图。 具体步 骤包括：
( 1 )当用户进入金融自助设备安全区， 准备进行业务操作， 金融自助 设备视频监控录制持卡人视频， 金融自助设备业务处理系统界面提示： 请 确保只有本人在安全区内；
( 2 )采集单元 11定时 （例如每隔 200ms ) 及从摄像视频中采集一帧 自助终端安全区域内的当前环境信息的图像；
( 3 )识别处理单元 12将所述采集单元 11采集到的当前环境信息图像 首先进行预处理， 然后通过人脸检测技术进行识别处理， 以识别出自助终 端当前安全区域内的图像上的人脸是否仅有一人脸图像， 若不仅， 说明自 助终端当前安全区域内存在不安全因素， 则发出紧急中断服务信号至紧急 中断服务信号暂存单元 17; 若仅有一人， 金融自助终端业务处理系统才提 供服务， 开始进卡读卡， 然后进入输入密码界面， 另外， 若识别处理单元 12先前已经发出过紧急中断服务信号至紧急中断服务信号暂存单元 17,在 该次识别处理出仅有一人时， 则进行复位操作， 将先前已经发出过紧急中 断服务信号删除；
( 4 )用户输入密码正确时， 采集单元 11将用户输入正确密码以进行 交易时从摄像视频中采集一帧自助终端安全区域内的当前环境信息的图像 进行清晰度验收和人脸识别处理， 如果有且只有一张人脸， 则将采集并发 送用户特征提取单元 13提取的用户特征信息存储到所述存储单元 14进行 存储， 作为用户对比信息 （用户标准人脸图像）；
在用户接下来的业务处理过程中，采集单元 11不断采集安全区操作人 员的人脸图像，与存储单元 14的标准人脸图像进行比对，如果为不同人或 不仅一人， 则生成紧急中断信号存储到紧急中断服务信号暂存单元 17, 供 自助终端控制模块 20查询调用； 否则复位紧急中断服务信号暂存单元 17 中的紧急状况信号， 供自助终端控制模块 20查询调用。 复位紧急信号， 表 示先前的紧急状态已经解除。
( 5 )当用户输入业务类型，金融自助终端业务处理系统把获取到银行 卡信息、 密码信息、 业务信息， 打包成 8583报文时。 这时， 自助终端控制 模块 20的检测单元 21进行紧急信号的查询， 读取紧急中断服务信号暂存 单元 17中的紧急信号。
( 6 ) 当检测单元 21检测到紧急信号为真（存在） 时， 即安全区出现 紧急状况时， 使所述控制单元 22控制自助终端暂停当前交易， 暂停发送 8583 报文给银行后台业务处理系统， 进入等待状态， 且所述检测单元 21 每等待 3秒查询一次紧急信号， 直到计时 40s为止。 如果在 40s内检测到 紧急状态被解除，金融自助终端继续当前业务的处理，发送 8583报文给银 行后台， 继续余下流程； 否则， 所述控制单元 22控制自助终端中止当前交 易， 进行自动紧急避险处理。 进行自动紧急避险可做业务操作失败相关提 示后再做退卡处理， 或者做业务操作失败相关提示后直接进入下一个业务 选择界面。
( 7 ) 当所述检测单元 21检测到紧急信号为假（不存在） 时， 金融自 助终端继续当前业务的处理，发送 8583报文给银行后台业务处理系统，等 待银行后台处理结果； 如果后台受理失败， 按照当前业务处理既有流程继 续； 如果后台处理成功， 执行模块开始进行配钞， 从钞箱中磨钞， 钞票从 钞箱磨出来进入暂存模块， 依次经过钞票识别模块和上部机拒， 叠钞至钞 票暂存器。 叠钞完毕， 在出钞至出钞嘴前， 这时， 自助终端控制模块 20 的检测单元 21进行紧急信号的查询， 读取紧急中断服务信号暂存单元 17 中的紧急信号。
( 8 )此时， 当所述检测单元 21检测到紧急信号为假（不存在） 时， 金融自助终端继续当前业务的处理，把钞票暂存器上的钞票出钞至出钞口， 等待用户拿钞，继续余下既有流程；当检测单元 21检测到紧急信号为真（存 在）时， 即安全区出现紧急状况时， 使所述控制单元 22控制自助终端暂停 当前交易， 停止出钞， 钞票仍然在钞票暂存器上， 进入等待状态， 且所述 检测单元 21每等待 3秒查询一次紧急信号，直到计时 40s为止，在此期间， 钞票一直停留在钞票暂存器上。 如果在 40s内检测到紧急状态被解除， 金 融自助终端继续现有业务的余下流程，钞票将会从钞票暂存器送至出钞口， 以便用户取走； 否则， 所述控制单元 22控制自助终端中止当前业务， 进行 自动紧急避险处理， 进行自动紧急避险处理， 给出安全提示信息， 执行回 收钞票流程， 钞票从钞票暂存器， 依次经过上部机拒和钞票识别模块， 进 入回收箱， 至此执行模块回收钞票完毕； 然后发起冲正， 显示冲正结果。 最后进入交易选择界面， 或者退卡打印凭条， 业务结束。
图 3为本发明提供的自助交易自动紧急避险系统运用到现有技术的自 助终端控制系统中进行取款业务处理的流程示意图。 具体步骤包括：
( 1 )当用户进入金融自助设备安全区， 准备进行业务操作， 金融自助 设备视频监控录制持卡人视频， 金融自助设备业务处理系统界面提示： 请 确保只有本人在安全区内；
( 2 )采集单元 11定时 （例如每隔 200ms ) 及从摄像视频中采集一帧 自助终端安全区域内的当前环境信息的图像；
( 3 )识别处理单元 12将所述采集单元 11采集到的当前环境信息图像 首先进行预处理， 然后通过人脸检测技术进行识别处理， 以识别出自助终 端当前安全区域内的图像上的人脸是否仅有一人脸图像， 若不仅， 说明自 助终端当前安全区域内存在不安全因素， 则发出紧急中断服务信号至紧急 中断服务信号暂存单元 17; 若仅有一人， 金融自助终端业务处理系统才提 供服务， 开始进卡读卡， 然后进入输入密码界面， 另外， 若识别处理单元 12先前已经发出过紧急中断服务信号至紧急中断服务信号暂存单元 17,在 该次识别处理出仅有一人时， 则进行复位操作， 将先前已经发出过紧急中 断服务信号删除；
( 4 )用户输入密码正确时， 采集单元 11将用户输入正确密码以进行 交易时从摄像视频中采集一帧自助终端安全区域内的当前环境信息的图像 进行清晰度验收和人脸识别处理， 如果有且只有一张人脸， 则将采集并发 送用户特征提取单元 13提取的用户特征信息存储到所述存储单元 14进行 存储， 作为用户对比信息 （用户标准人脸图像）；
在用户接下来的业务处理过程中，采集单元 11不断采集安全区操作人 员的人脸图像，与存储单元 14的标准人脸图像进行比对，如果为不同人或 不仅一人， 则生成紧急中断信号存储到紧急中断服务信号暂存单元 17, 供 自助终端控制模块 20查询调用； 否则复位紧急中断服务信号暂存单元 17 中的紧急状况信号， 供自助终端控制模块 20查询调用。 复位紧急信号， 表 示先前的紧急状态已经解除。
( 5 )当用户输入业务类型，金融自助终端业务处理系统把获取到银行 卡信息、密码信息、业务信息及所有转账信息，打包成 8583报文时。这时， 自助终端控制模块 20的检测单元 21进行紧急信号的查询， 读取紧急中断 服务信号暂存单元 17中的紧急信号。
( 6 ) 当所述检测单元 21检测到紧急信号为假（不存在） 时， 金融自 助终端继续当前业务的处理，发送 8583报文给银行后台业务处理系统，等 待银行后台处理结果；
( 7 ) 当检测单元 21检测到紧急信号为真（存在） 时， 即安全区出现 紧急状况时， 使所述控制单元 22控制自助终端暂停当前交易， 暂停发送 8583 报文给银行后台业务处理系统， 进入等待状态， 且所述检测单元 21 每等待 3秒查询一次紧急信号， 直到计时 40s为止。 如果在 40s内检测到 紧急状态被解除，金融自助终端继续当前业务的处理，发送 8583报文给银 行后台， 继续余下流程； 否则， 所述控制单元 22控制自助终端中止当前业 务， 进行自动紧急避险处理， 打印凭条， 进入交易选择界面， 或者打印凭 条退卡， 业务结束。
本领域普通技术人员可以理解实现上述实施例方法中的全部或部分流 程， 是可以通过计算机程序来指令相关的硬件来完成， 所述的程序可存储 于一计算机可读取存储介质中， 该程序在执行时， 可包括如上述各方法的 实施例的流程。 其中， 所述的存储介质可为磁碟、 光盘、 只读存储记忆体 ( Read-Only Memory, ROM )或随机存 4诸 i己忆体 ( Random Access Memory, RAM )等。
以上所述是本发明的优选实施方式， 应当指出， 对于本技术领域的普 通技术人员来说， 在不脱离本发明原理的前提下， 还可以做出若干改进和 润饰， 这些改进和润饰也视为本发明的保护范围。

Claims

权 利 要 求
1、 一种自助交易自动紧急避险系统， 其特征在于， 包括：
紧急信号生成模块， 用于在交易过程中， 对自助终端安全区域内的当 前环境信息进行采集及识别， 并提取已采集的当前环境信息中的用户特征 信息与存储的用户对比信息进行比较， 若不一致， 则发出紧急中断服务信 号； 其中， 所述用户对比信息为用户输入正确密码以进行交易时所采集并 存储的用户特征信息；
自助终端控制模块， 用于检测和接收所述紧急中断服务信号， 并根据 所述紧急中断服务信号控制自助终端中止交易。
2、 如权利要求 1所述的自助交易自动紧急避险系统， 其特征在于， 所 述紧急信号生成模块具体包括：
采集单元， 用于定时及当检测到用户输入正确密码以进行交易时从摄 像视频中采集一帧自助终端安全区域内的当前环境信息的图像；
用户特征提取单元， 用于提取已采集到的自助终端安全区域内的当前 环境信息图像中的用户特征信息；
存储单元， 用于储存当检测到用户输入正确密码以进行交易时所采集 及提取的用户特征信息， 作为用户对比信息；
对比单元， 用于将所述用户特征提取单元提取出的用户特征信息与存 储单元中的用户对比信息进行比较； 若不一致，则发出紧急中断服务信号； 否则解除先前发出的紧急中断服务信号。
3、 如权利要求 2所述的自助交易自动紧急避险系统， 其特征在于， 所 述紧急信号生成模块还包括：
识别处理单元， 用于将所述采集单元采集到的当前环境信息图像进行 识别处理， 以识别出自助终端当前安全区域内是否仅有一人， 若不仅， 则 发出紧急中断服务信号； 若仅有一人， 才将经过识别处理后的图像发送所 述用户特征提取单元进行用户特征信息提取， 并解除先前发出的紧急中断 服务信号。
4、 如权利要求 3所述的自助交易自动紧急避险系统， 其特征在于， 所 述紧急信号生成模块还包括：
用户特征信息暂存单元， 用于将所述用户特征提取单元提取的用户特 征信息图像进行暂存；
当所述用户特征信息暂存单元中的用户特征信息图像等于三个时， 所 述对比单元才将所述三个用户特征信息图像与所述用户对比信息并行进行 比较，且仅当所述三个用户特征信息图像与所述用户对比信息均不一致时， 才发出紧急中断服务信号。
5、如权利要求 3~4中任一项所述的自助交易自动紧急避险系统，其特 征在于， 所述紧急信号生成模块还包括：
紧急中断服务信号暂存单元， 用于暂存所述识别处理单元或所述对比 单元发出的紧急中断服务信号。
6、 如权利要求 5所述的自助交易自动紧急避险系统， 其特征在于， 所 述自助终端控制模块具体包括：
检测单元， 基于设定的安全查询点对紧急中断服务信号暂存单元中的 紧急中断服务信号进行检测；
控制单元， 用于当所述检测单元检测出存在紧急中断服务信号时， 控 制自助终端中止当前交易。
7、 如权利要求 6所述的自助交易自动紧急避险系统， 其特征在于， 当 所述检测单元检测到紧急中断服务信号时进入等待状态， 使所述控制单元 控制自助终端暂停当前交易， 而所述检测单元在等待状态的限定时间内定 时对紧急中断服务信号暂存单元中的紧急中断服务信号进行检测， 仅当检 测到紧急中断服务信号被解除时才通知所述控制单元控制自助终端继续当 前交易； 否则当限定时间到达时， 所述控制单元控制自助终端中止当前交 易。
8、如权利要求 6~7中任一项所述的自助交易自动紧急避险系统，其特 征在于， 所述安全查询点为自助终端处理完一个原子服务时的服务点。
9、 如权利要求 8所述的自助交易自动紧急避险系统， 其特征在于， 所 述安全查询点包括取款业务的信息收集完毕，并打成 8583报文准备提交后 台信息中心前及业务程序执行到从钱箱配钞出钞完毕， 并准备送钞到出钞 口前。
10、 如权利要求 8所述的自助交易自动紧急避险系统， 其特征在于， 所述安全查询点包括转账业务的转账信息收集完毕，并打成 8583报文准备 提交后台信息中心前。
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