WO2019104930A1

WO2019104930A1 - Identity authentication method, electronic device and computer-readable storage medium

Info

Publication number: WO2019104930A1
Application number: PCT/CN2018/083075
Authority: WO
Inventors: 牛华
Original assignee: 平安科技（深圳）有限公司
Priority date: 2017-12-01
Filing date: 2018-04-13
Publication date: 2019-06-06
Also published as: CN108171032A

Abstract

Disclosed are an identity authentication method, an electronic device and a computer-readable storage medium. The method comprises the following steps: step 01, a second terminal acquiring identity card information collected and sent by a first terminal; step 02, the second terminal verifying the validity of the identity card information, if verification is passed, proceeding to step 03, and if verification is not passed, giving a reminder regarding returning to a first terminal to carry out collection again; and step 03, the second terminal carrying out face recognition verification on a user, wherein the face recognition verification is carried out by means of collecting a face image of the user and comparing same with a portrait picture on an identity card for verification, if verification is passed, proceeding to the next operation, and if verification is not passed, reminding the user to carry out face recognition again. By means of the method provided in the present application, the accuracy of user identity authentication is improved by means of multi-factor authentication technology

Description

Identification method, electronic device and computer readable storage medium

The present application claims the priority of the Chinese Patent Application entitled "A Method of Identification, Electronic Device, and Computer-Readable Storage Media", filed on Dec. 1, 2017, the entire contents of which is incorporated herein by reference. It is incorporated herein by reference.

Technical field

The present application relates to an authentication method, and in particular, to an identity authentication method, an electronic device, and a computer readable storage medium.

Background technique

In the social industry represented by the banking, securities, insurance and other financial industries, when providing services to the public, it is necessary to check the true identity of the parties, that is, to do the real-name verification, the original method requires the parties themselves. Visit the counter at the outlet to provide a valid personal identification, express your true wishes and sign the relevant documents. With the rapid development of the Internet, various traditional industries are facing a transformation. The original face-to-face business of people offline has gradually migrated to the network for remote completion, which can greatly save the cost of manpower and outlets, and also reduce the cost. Handling the hardships of business parties, but how to confirm the true identity of people in the virtual Internet has become the biggest problem in this transformation process.

Summary of the invention

The purpose of the present application is to provide an identification method, an electronic device, and a computer readable storage medium, thereby further overcoming the problems existing in the prior art to some extent.

The present application solves the above technical problems by the following technical solutions:

The application provides an identification method comprising the following steps:

Step 01: The second terminal acquires identity card information collected and sent by the first terminal.

Step 02: The second terminal verifies the validity of the identity card information, and if the verification passes, proceeds to step 03, and if the verification fails, the reminder returns to the first terminal to re-acquire;

Step 03: The second terminal performs face recognition verification on the user, and the face recognition verification performs the comparison verification by collecting the face image of the user and the photo of the ID card avatar. If the verification is passed, the operation proceeds to the next step. By reminding the user to re-create face recognition.

To achieve the above object, the present application also discloses an electronic device including a memory and a processor for storing an identity authentication system executed by a processor, the identity authentication system comprising:

The ID card information collection module is used to collect the ID card information of the user, including the photo of the ID card and the ID card number, and perform de-texturing processing on the photo of the avatar.

The ID card verification module is used to verify the validity of the collected ID card, including whether the ID card validity period is verified and whether the ID card photo is consistent with the photo of the third party identity verification network.

The face recognition module includes a face collection sub-module, a face feature positioning sub-module, a face feature extraction sub-module, and a face feature similarity comparison sub-module, and the face collection sub-module is used to collect a photo of the living face of the user. The face feature locating sub-module is used for locating the user's face feature part located in the acquisition frame, and the face feature extraction sub-module is used for feature extraction of the locating feature, and the face feature similarity comparison is used for the extracted person. The face features are compared with the photos of the third-party verification network for similarity.

To achieve the above object, the present application also discloses a computer readable storage medium having an identity authentication system stored therein, the identity authentication system being executable by at least one processor to implement the following steps :

The identification method provided by the present application avoids the use of the prior art by combining the third-party identity verification, the face recognition technology, and the voiceprint recognition multiple identification verification methods after collecting the user identification information. The identity card of someone else or the counterfeiting of the customer to handle the business improves the accuracy and security of the user identity verification.

DRAWINGS

FIG. 1 shows a flow chart of an embodiment of the identity authentication method of the present application.

FIG. 2 shows a flow chart of still another embodiment of the identity authentication method of the present application.

FIG. 3 is a schematic diagram showing the program modules of an embodiment of the identity authentication system of the present application.

FIG. 4 is a schematic diagram showing a program module of still another embodiment of the identity authentication system of the present application.

FIG. 5 is a schematic diagram of a program module of still another embodiment of the identity authentication system of the present application.

FIG. 6 is a schematic diagram of a program module of still another embodiment of the identity authentication system of the present application.

FIG. 7 is a schematic diagram showing the hardware architecture of an embodiment of an electronic device of the present application.

Detailed ways

Embodiment 1

Referring to Figure 1, an identification method is illustrated, including the following steps:

Step 01: The second terminal acquires the identity card information collected and sent by the first terminal.

The user sends a service request to the second terminal by using the first terminal, and after receiving the request, the second terminal sends an identity verification command to the first terminal, and after receiving the instruction, the first terminal starts the ID card identifier located at the first terminal. And in the first terminal interface to the user to text and voice operation instructions, including reminding the user to place the identity card in the designated area, and adjust the client's light and other collection parameters, the identification device scans the ID card to extract the avatar located on the ID card Photo, ID number information, and de-texturing the avatar photo, sending the processed photo and ID number information to the file server of the first terminal and forming an identification ID code for extracting the photo and information The first terminal sends the identification ID code to the second terminal. The first terminal is a client, and the second terminal is a client.

In step 02, the second terminal verifies the validity of the identity card information. If the verification succeeds, the process proceeds to step 03. If the verification fails, the first terminal re-acquires.

The second terminal obtains the user information corresponding to the ID card from the verification network through the interface connected with the third-party identity verification network, and obtains the ID information of the user site from the first terminal by using the ID code, and checks the online information through the third party. The user identity information determines whether the user's ID card is within the validity period, and compares the photo of the user on the online check with the photo of the collected ID card avatar. If the similarity of the two photos exceeds the first threshold, the verification passes, if low At the first threshold, the verification fails, wherein the first threshold may be 70, and the first threshold may be obtained by statistical analysis of historical similarity values, wherein the third-party identity verification network may be public security network or authenticated by the Ministry of Public Security. Third-party identity information network.

Step 03: The second terminal performs face recognition verification on the user, and the face recognition verification performs the comparison verification by collecting the user face image and the ID card avatar photo. If the verification is passed, the next operation is performed, and if the verification is not performed, By reminding the user to re-create face recognition.

After the ID card is verified, the second terminal starts the face recognition module to perform face recognition verification on the user, and the second terminal sends an instruction to start the Gao Paiyi to the first terminal. After receiving the instruction, the first terminal turns on the Gao Paiyi. And the user is prompted to perform text and voice operations on the first terminal interface, and the user performs the shooting of the live face image at the prompt. After the shooting is completed, the photo is transmitted back to the second terminal, and the face recognition module of the second terminal will The face image is compared with the third-party verification network user avatar. If the similarity between the two comparison results exceeds the second threshold, the verification is passed. If the similarity is lower than the second threshold, the verification fails. The second terminal reminds the user to perform the second face recognition verification. If the two terminals do not pass, the user is reminded to hold the valid ID to go to the counter for face-to-face check. The second threshold may be obtained by statistical analysis of historical data. Preferably, the second threshold is 60.

The image acquisition of the face image includes: the second terminal sends an image acquisition instruction to the first terminal through the sip server, and the first terminal starts the high-speed image to perform image acquisition, and the high-speed device connects to the first terminal through the USB interface, and the agent sends the detection through the USB interface. The device detects the sub-module to the user end, and the device detection sub-module detects the performance of the high-shooter in various states, including the high-shooter capable of starting the shooting control, whether the angle adjustment of the camera is flexible, and whether the picture transmission channel is turned on or the like. Adjust the shooting mode and shooting parameters of the Gao Paiyi, and display the above modes and parameters on the display interface of the agent. The seat can set the above parameters as needed. If the picture does not meet the requirements, the above parameters can be re-adjusted until the requirements are met. For example, the seat can remotely control the Gao Paiyi to shoot in the night or day mode, as well as adjust the shooting angle of the camera of the Gao Paiyi, shooting pixels and other parameters. The captured image is processed, the captured image is sent to the image processing module, the image is named and compressed, and the brightness, resolution, contrast and other parameters of the captured image are adjusted, and according to the preset The compression ratio compresses the original image into a thumbnail. The processed image is sent to the second terminal, and the client stores the original image taken by the Gao Paiyi and the compressed thumbnail image on the middle storage module, and sends it to the agent terminal in a circular queue through the communication module. After receiving the image data, the second terminal converts the image data into a displayable format according to the data conversion protocol, and classifies and integrates the converted image by category, groups the same type of images and selects an image satisfying the condition, if the image is If the pixel, the definition, the brightness, the shooting angle, etc. satisfy the requirement, the completion command is sent to the first terminal. If one of the above parameters does not meet the requirement, the re-acquisition command is sent to the first terminal, and the first terminal starts to shoot again. .

The face recognition comparison includes face acquisition, face feature location, face feature extraction and face feature similarity comparison.

The face collection includes marking the face coordinates and detecting whether there is a human face, evaluating the shooting quality, and screenshotting the face image. Specifically, including marking the face coordinates after opening the camera and detecting whether there is a face, evaluating the shooting quality, and screening the face. image. It is detected whether a human face can judge whether it has a positive facial features and has a complete facial contour based on the coordinates of the hit and the pre-existing facial features. Evaluating the photographing quality may include a head angle evaluation, a brightness evaluation, and a motion blur evaluation, and the head angle evaluation includes determining whether the head is up and down, for example, within 15 degrees, the left and right declination is within, for example, 15 degrees, and the rotational declination is, for example, Within 20°, if it is consistent, it is considered to meet the head angle assessment; the brightness evaluation includes determining whether the brightness is within, for example, [80,200], if it is met, it is considered to meet the brightness evaluation; the dynamic fuzzy evaluation includes judging the fuzzy value. Whether it is less than 0.2, for example, if it is met, it is considered to be in compliance with the dynamic fuzzy assessment. If the shooting quality evaluation does not meet the requirements, the user will be prompted to adjust the content, such as "Please position the head", "Please slightly lower head", "Please slightly away from the camera", if the brightness evaluation does not meet the requirements, you can also pass the camera Adjust the flash set next to it. In addition, evaluating the quality of the shot may also include determining whether the user wears thick-rimmed glasses, sunglasses, or whether the hair blocks the ears or other facial features.

The facial feature localization includes positioning a plurality of features of the human face including the organ, including positioning a plurality of features of the human face including the eyebrows, the eyes, the nose, the mouth, and the like.

The facial feature extraction includes extracting a plurality of feature information of each feature according to a preset extraction rule.

The face feature similarity comparison includes comparing the extracted feature information with the feature information of the ID card avatar photo and obtaining a second comparison threshold, wherein the face feature may include a length and a slope. The parameters such as the gradation difference represent the three-dimensional size, the oblique direction, the distance from other parts, and the like, and the face feature may be a set of feature information. The facial feature similarity comparison may be to compare the two sets of feature information one by one, and define each feature information to have a certain weight, for example, the weight of the important feature information, and the weight of the secondary feature information is relatively small, and may also be defined. Some feature information is a necessary condition for judging that it must be consistent.

Embodiment 2

Referring to Figure 2, an identification method is illustrated, including the following steps:

The face collection includes marking the face coordinates and detecting whether there is a human face, evaluating the shooting quality, and screenshotting the face image. Specifically, including marking the face coordinates after opening the camera and detecting whether there is a face, evaluating the shooting quality, and screening the face. image. It is detected whether a human face can judge whether it has a positive facial features and has a complete facial contour according to the coordinates of the hit and the pre-existing range of facial features. Evaluating the photographing quality may include a head angle evaluation, a brightness evaluation, and a motion blur evaluation, and the head angle evaluation includes determining whether the head is up and down, for example, within 15 degrees, the left and right declination is within, for example, 15 degrees, and the rotational declination is, for example, Within 20°, if it is consistent, it is considered to meet the head angle assessment; the brightness evaluation includes determining whether the brightness is within, for example, [80,200], if it is met, it is considered to meet the brightness evaluation; the dynamic fuzzy evaluation includes judging the fuzzy value. Whether it is less than 0.2, for example, if it is met, it is considered to be in compliance with the dynamic fuzzy assessment. If the shooting quality evaluation does not meet the requirements, the user will be prompted to adjust the content, such as "Please position the head", "Please slightly lower head", "Please slightly away from the camera", if the brightness evaluation does not meet the requirements, you can also pass the camera Adjust the flash set next to it. In addition, evaluating the quality of the shot may also include determining whether the user wears thick-rimmed glasses, sunglasses, or whether the hair blocks the ears or other facial features.

Step 04: The second terminal performs voiceprint identification verification on the user, and if the verification passes, proceeds to the next operation, and if the verification fails, the user is reminded to try again.

The second terminal starts the voiceprint recognition module to perform voiceprint recognition verification on the user, and the second terminal sends an instruction for collecting the user audio to the audio collection module of the first terminal, and the first terminal prompts the user to issue a specified voice through voice, and the audio collection module pairs The collected audio is processed and sent to the voiceprint recognition module of the second terminal to extract and compare the voiceprint features, and the second terminal extracts the voiceprint information recorded when the user first performs the business and performs the voiceprint information collected with the collected voiceprint information. The similarity comparison, if the similarity is greater than the third threshold, the verification is passed, and if the similarity is less than the third threshold, the verification fails. The second threshold can be obtained by statistical analysis of historical data.

Embodiment 3

Referring to Figures 3-6, an authentication system 20 is illustrated. In the present embodiment, the identity authentication system 20 is partitioned into one or more program modules, one or more program modules are stored in a storage medium, and Executed by one or more processors to complete the application. A program module as used herein refers to a series of computer program instructions that are capable of performing a particular function. The following description will specifically describe the functions of each program module of this embodiment:

The ID card information collection module 201 is configured to collect the ID information of the user, including the photo of the ID card and the ID card number, and perform de-texturing processing on the photo of the avatar.

The ID card verification module 202 is configured to verify the validity of the collected ID card, including whether the ID card validity period is verified and whether the ID card photo is consistent with the photo of the third party identity verification network.

The face recognition module 203 includes a face collection sub-module 2031, a face feature locating sub-module 2032, a face feature extraction sub-module 2033, and a face feature similarity comparison sub-module 2034. The face collection sub-module is used to collect users. The photograph of the living face, the face feature locating sub-module is used for locating the user's face feature part located in the collection frame, and the face feature extraction sub-module is used for feature extraction of the locating feature, and the face feature similarity comparison is used. The similarity comparison is performed on the extracted face features and the photos of the third party verification network.

In a preferred embodiment, the identity authentication system further includes a voiceprint recognition module 204, including an audio collection sub-module 2041, a voiceprint feature extraction sub-module 2042, and a voiceprint comparison sub-module 2043. The audio collection sub-module is used to collect and denoise the user's voice, and the voiceprint feature extraction sub-module is used to extract the voiceprint feature of the collected audio, and the voiceprint comparison sub-module is used to collect the sound. The voiceprint feature is compared with the user's archived voiceprint features for similarity verification.

Embodiment 4

Referring to FIG. 7, the embodiment provides an electronic device. It is a schematic diagram of the hardware architecture of an embodiment of the electronic device of the present application. In the embodiment, the electronic device 2 is an apparatus capable of automatically performing numerical calculation and/or information processing in accordance with an instruction set or stored in advance. For example, it can be a smartphone, a tablet, a laptop, a desktop computer, a rack server, a blade server, a tower server, or a rack server (including a stand-alone server, or a server cluster composed of multiple servers). As shown, the electronic device 2 includes at least, but not limited to, a memory 21, a processor 22, a network interface 23, an ID card identifier 24, a Gao Paiometer 25, and an identification system 20 that are communicably coupled to each other through a system bus. . among them:

The memory 21 includes at least one type of computer readable storage medium including a flash memory, a hard disk, a multimedia card, a card type memory (eg, SD or DX memory, etc.), a random access memory (RAM), Static Random Access Memory (SRAM), Read Only Memory (ROM), Electrically Erasable Programmable Read Only Memory (EEPROM), Programmable Read Only Memory (PROM), magnetic memory, magnetic disk, optical disk, and the like. In some embodiments, the memory 21 may be an internal storage module of the electronic device 2, such as a hard disk or a memory of the electronic device 2. In other embodiments, the memory 21 may also be an external storage device of the electronic device 2, such as a plug-in hard disk equipped on the electronic device 2, a smart memory card (SMC), and a secure digital device. (Secure Digital, SD) card, flash card, etc. Of course, the memory 21 can also include both the internal storage module of the electronic device 2 and its external storage device. In this embodiment, the memory 21 is generally used to store an operating system installed in the electronic device 2 and various types of application software, such as program codes of the identity authentication system 20. Further, the memory 21 can also be used to temporarily store various types of data that have been output or are to be output.

The processor 22 may be a Central Processing Unit (CPU), controller, microcontroller, microprocessor, or other data processing chip in some embodiments. The processor 22 is typically used to control the overall operation of the electronic device 2, such as performing control and processing associated with data interaction or communication with the electronic device 2. In this embodiment, the processor 22 is configured to run program code or process data stored in the memory 21, such as running the identity authentication system 20 or the like.

The network interface 23 may comprise a wireless network interface or a wired network interface, which is typically used to establish a communication connection between the electronic device 2 and other electronic devices. For example, the network interface 23 is configured to connect the electronic device 2 to an external terminal through a network, establish a data transmission channel, a communication connection, and the like between the electronic device 2 and an external terminal. The network may be an intranet, an Internet, a Global System of Mobile communication (GSM), a Wideband Code Division Multiple Access (WCDMA), a 4G network, or a 5G network. Wireless or wired networks such as network, Bluetooth, Wi-Fi, etc.

It is to be noted that Figure 7 only shows the electronic device with components 20-25, but it should be understood that not all illustrated components may be implemented and that more or fewer components may be implemented instead.

In the present embodiment, the identity authentication system 20 stored in the memory 21 can also be divided into one or more program modules, the one or more program modules being stored in the memory 21 and composed of one or more The processor (this embodiment is processor 22) is executed to complete the application.

For example, FIG. 3 shows a schematic diagram of a program module of the first embodiment of the identity authentication system 20. In this embodiment, the identity-based authentication system 20 can be divided into an identity card information collection module 201 and an identity card verification module 202. The face recognition module 203. Wherein, the program module referred to in the present application refers to a series of computer program instruction segments capable of performing a specific function. The specific functions of the program modules 201-203 are described in detail in the third embodiment, and details are not described herein again.

The ID card identification device 24 is configured to be connected to the identity information collection module 201, and collects ID information stored by the user, such as pre-stored information in the chip of the second generation ID card.

The high beater 25 is configured to be activated and deactivated by the authentication module 202 to collect a face image of the operating terminal device. The Gao Paiyi 25 can be connected to the electronic device 2 of the user terminal through the USB interface. The user adjusts the shooting angle of the two cameras of the Gao Paiyi according to the actual shooting angle or the control module that sends the command to the user terminal through the command port to control the Gao Paiyi. Different operations enable remote control of the Gao Paiyi. The Gao Paiyi takes a good photo and sends it back to the seat. The seat selects whether to re-adjust the shooting parameters of the Gao Paiyi according to the shooting effect of the photo to obtain the photo that meets the requirements.

In a preferred embodiment, a flash 26 is also included that is configured to be activated and deactivated by the shooting adjustment subroutine and adjusted in brightness.

Embodiment 5

The embodiment provides a computer readable storage medium on which the identity authentication system 20 is stored, and the identity authentication system 20 is implemented by one or more processors to implement the above identity authentication method or electronic device. Operation.

Through the description of the above embodiments, those skilled in the art can clearly understand that the foregoing embodiment method can be implemented by means of software plus a necessary general hardware platform, and of course, can also be through hardware, but in many cases, the former is better. Implementation.

The above is only a preferred embodiment of the present application, and is not intended to limit the scope of the patent application, and the equivalent structure or equivalent process transformations made by the specification and the drawings of the present application, or directly or indirectly applied to other related technical fields. The same is included in the scope of patent protection of this application.

Claims

An identification method includes the following steps:

Step 01: The second terminal acquires identity card information collected and sent by the first terminal.

Step 02: The second terminal verifies the validity of the identity card information, and if the verification passes, proceeds to step 03, and if the verification fails, the reminder returns to the first terminal to re-acquire;

Step 03: The second terminal performs face recognition verification on the user, and the face recognition verification performs the comparison verification by collecting the face image of the user and the photo of the ID card avatar. If the verification is passed, the operation proceeds to the next step. By reminding the user to re-create face recognition.
The method according to claim 1, wherein the step 01 includes: the first terminal sends a service request to the second terminal, and after receiving the request, the second terminal sends an identity verification command to the first terminal, where the first terminal receives After the instruction, the ID card identification device located at the first terminal is opened to collect the ID card number and the avatar photo, and the ID card number and the avatar photo are saved on the file server of the first terminal, and the corresponding identification ID code is formed and sent to The second terminal.
The method according to claim 1, wherein the step 02 comprises: the second terminal obtaining the user information corresponding to the ID card from the verification network through an interface connected to the third-party identity verification network, and simultaneously checking the user photos on the network. The verification is performed on the photo of the collected ID card avatar. If the similarity of the two photos exceeds the first threshold, the verification passes, and if it is lower than the first threshold, the verification fails.
The method according to claim 1, wherein the step 03 comprises: the face recognition verification comprises face acquisition, face feature location, face feature extraction and face feature similarity comparison.
The method according to claim 4, wherein the face collection comprises marking face coordinates and detecting whether a face is present, evaluating a quality of the shot, and capturing a face image; the face feature positioning includes a plurality of faces Positioning the features including the organ; the facial feature extraction includes extracting a plurality of feature information of each feature according to a preset extraction rule; the face feature similarity comparison includes a plurality of extracted feature information and The feature information of the user ID avatar photo is compared one by one, and if the obtained similarity is higher than the second threshold, it is determined that the face recognition verification is passed.
The method according to claim 1, wherein the method further comprises the step 04: the second terminal performs voiceprint recognition verification on the user, and if the verification passes, the operation proceeds to the next step, and if the verification fails, the user is reminded to re- Perform voiceprint recognition verification.
The method according to claim 6, wherein the voiceprint recognition verification comprises audio collection, voiceprint feature extraction, and voiceprint similarity comparison. If the voiceprint comparison similarity exceeds a third threshold, the voiceprint verification is passed. If the similarity of the voiceprint comparison is lower than the third threshold, the voiceprint verification does not pass.
An electronic device includes a memory and a processor, wherein the memory is configured to store an identity authentication system executed by a processor, the identity authentication system comprising:

The ID card information collection module is used to collect the ID card information of the user, including the photo of the ID card and the ID card number, and perform de-texturing processing on the photo of the avatar.

The ID card verification module is used to verify the validity of the collected ID card, including whether the ID card validity period is verified and whether the ID card photo is consistent with the photo of the third party identity verification network.

The face recognition module includes a face collection sub-module, a face feature positioning sub-module, a face feature extraction sub-module, and a face feature similarity comparison sub-module, and the face collection sub-module is used to collect a photo of the living face of the user. The face feature locating sub-module is used for locating the user's face feature part located in the acquisition frame, and the face feature extraction sub-module is used for feature extraction of the locating feature, and the face feature similarity comparison is used for the extracted person. The face features are compared with the photos of the third-party verification network for similarity.
The electronic device according to claim 8, wherein the identity authentication system further comprises a voiceprint recognition module, comprising an audio collection sub-module, a voiceprint feature extraction sub-module, a voiceprint comparison sub-module, and an audio collection sub-module. It is used to collect and denoise the user's voice. The voiceprint feature extraction sub-module is used to extract the voiceprint features of the collected audio, and the voiceprint comparison sub-module is used to collect the collected voiceprint features. Similarity verification is performed with the voiceprint features that have been archived by the user.
A computer readable storage medium, wherein the computer readable storage medium stores an identity authentication system, the identity authentication system being executable by at least one processor to implement the following steps:

Step 01: The second terminal acquires identity card information collected and sent by the first terminal.

Step 02: The second terminal verifies the validity of the identity card information, and if the verification passes, proceeds to step 03, and if the verification fails, the reminder returns to the first terminal to re-acquire;

Step 03: The second terminal performs face recognition verification on the user, and the face recognition verification performs the comparison verification by collecting the face image of the user and the photo of the ID card avatar. If the verification is passed, the operation proceeds to the next step. By reminding the user to re-create face recognition.
The computer readable storage medium according to claim 10, wherein the step 01 comprises: the first terminal sends a service request to the second terminal, and after receiving the request, the second terminal sends an identity verification command to the first terminal, After receiving the instruction, the first terminal starts the ID card identification device located at the first terminal to collect the ID card number and the avatar photo, and saves the ID card number and the avatar photo on the file server of the first terminal, and forms a corresponding identification. The ID code is sent to the second terminal.
The computer readable storage medium according to claim 10, wherein the step 02 comprises: the second terminal obtaining the user information corresponding to the identity card number from the verification network through an interface connected to the third party identity verification network, and simultaneously checking The user photo on the network is compared with the collected ID card avatar photo. If the similarity of the two photos exceeds the first threshold, the verification passes, and if it is lower than the first threshold, the verification fails.
The computer readable storage medium according to claim 10, wherein the step 03 comprises: the face recognition verification comprises face acquisition, face feature location, face feature extraction, and face feature similarity comparison.
The computer readable storage medium according to claim 13, wherein the face collection comprises marking a face coordinate and detecting whether a face is present, evaluating a quality of the shot, and capturing a face image; the face feature positioning comprises Positioning a plurality of features of the human face including the organ; the facial feature extraction includes extracting a plurality of feature information of each feature according to a preset extraction rule; the face feature similarity comparison includes extracting more The feature information is compared with the feature information of the user ID avatar photo one by one. If the obtained similarity is higher than the second threshold, it is determined that the face recognition verification is passed.
The computer readable storage medium according to claim 10, wherein the method further comprises the step 04: the second terminal performs voiceprint recognition verification on the user, and if the verification passes, the operation proceeds to the next step, if the verification fails The user is reminded to re-evaluate the voiceprint recognition.
The computer readable storage medium according to claim 15, wherein the voiceprint recognition verification comprises audio collection, voiceprint feature extraction, and voiceprint similarity comparison, and if the voiceprint comparison similarity exceeds a third threshold, The voiceprint verification is passed, and if the voiceprint comparison similarity is lower than the third threshold, the voiceprint verification fails.