WO2020062783A1

WO2020062783A1 - Identity authentication method and apparatus, and terminal device and storage medium

Info

Publication number: WO2020062783A1
Application number: PCT/CN2019/077362
Authority: WO
Inventors: 张振兴
Original assignee: 深圳壹账通智能科技有限公司
Priority date: 2018-09-29
Filing date: 2019-03-07
Publication date: 2020-04-02
Also published as: CN109543507A

Abstract

An identity authentication method and apparatus, and a terminal device and a storage medium. The method comprises: receiving externally inputted user identity information (S1), wherein the user identity information comprises a name and an identity card number; obtaining a photograph of a user holding an identity card, wherein the photograph comprises positive information of the identity card and facial information of the user (S2); and confirming whether the user is qualified according to the received user identity information and the obtained photograph (S3), and receiving an account opening application when the user is confirmed to be qualified. The method authenticates the user identity based on the face recognition and the OCR recognition, which can significantly enhance the preciseness and the security of the user opening an account, and protect the legitimate interests of the user and the bank.

Description

Identity authentication method, device, terminal equipment and storage medium

This application claims the priority of a Chinese patent application filed on September 29, 2018 with the Chinese Patent Office under the application number 201811151546.1 and entitled "Identity Authentication Method, Device, Terminal Device and Storage Medium", the entire contents of which are incorporated by reference In this application.

Technical field

The present application relates to the field of image recognition technology, and in particular, to an identity authentication method, device, terminal device, and storage medium.

Background technique

When a user goes to a bank to open a bank account, real-name authentication is required. Specifically, the user needs to upload the front image of the ID card and the image of the user holding the ID card, and in addition, the user needs to enter the ID card information. Bank staff then conducted a manual review in the back-pipe system to screen out users whose ID information was inconsistent with the ID picture, and screened out images in which the face image of the user's handheld ID was different from the user's own face image. In this way, the staff of the bank caused a large amount of review workload, and the bank needed to consume a lot of manpower. If a Wool Party or a malicious user opens an account, it will generate a lot of useless accounts and increase the workload of bank staff.

Application content

In view of the above, it is necessary to propose an identity authentication method, device, terminal device and storage medium, which enhances the rigor and security of customer account opening and protects the legitimate interests of customers and banks.

An identity authentication method, the method includes:

Receiving externally input user identity information, wherein the user identity information includes a name and an ID card number;

Obtaining a photo when the user holds the ID card, wherein the photo includes the front information of the ID card and the user's face information; and

Confirm whether the user is qualified according to the received user identity information and the obtained photos, and when confirming that the user is qualified, receive an account opening application.

An identity authentication device, the device includes:

A receiving module, configured to receive externally input user identity information, wherein the user identity information includes a name and an ID card number;

An acquisition module for acquiring a photo of a user holding an ID card, wherein the photo includes frontal information of the ID card and user face information; and

The confirmation module is configured to confirm whether the user is qualified according to the received user identity information and the obtained photo, and receive an account opening application when the user is confirmed to be qualified.

A terminal device includes a processor and a memory, and the processor implements the following steps when executing at least one computer-readable instruction stored in the memory:

A non-volatile readable storage medium stores at least one computer-readable instruction. When the at least one computer-readable instruction is executed by a processor, the following steps are implemented:

It can be known from the above technical solutions that the present application provides an identity authentication method, device, terminal device, and storage medium, and confirms whether a user is qualified according to the received user identity information and the obtained photo, wherein the user identity information includes a name and an ID card Information, the photo includes the front information of the ID card and the user's face information; and the user's account opening application is received only after confirming that the user is qualified. As a result, the user of the account opening application is automatically judged to be qualified, which greatly reduces the human cost of the bank's manual review of user information, significantly enhances the rigor and security of user account opening, and protects the legitimate interests of users and banks.

BRIEF DESCRIPTION OF THE DRAWINGS

FIG. 1 is a flowchart of a first preferred embodiment of the identity authentication method of the present application.

FIG. 2 is a schematic diagram of a face image.

FIG. 3 is a functional block diagram of the first preferred embodiment of the identity authentication device of the present application.

FIG. 4 is a schematic structural diagram of a preferred embodiment of a terminal device in at least one example of the present application.

detailed description

In the following, the technical solutions in the embodiments of the present application will be clearly and completely described with reference to the drawings in the embodiments of the present application. Obviously, the described embodiments are only a part of the embodiments of the present application, but not all of the embodiments. Based on the embodiments in the present application, all other embodiments obtained by a person of ordinary skill in the art without creative efforts shall fall within the protection scope of the present application.

As shown in FIG. 1, it is a flowchart of a first preferred embodiment of the identity authentication method of the present application. According to different requirements, the execution order in the flowchart can be changed, and some steps can be omitted.

Step S1: Receive externally input user identity information.

In this embodiment, externally input user identity information may be received through the input / output unit of the terminal device. The user identity information includes, but is not limited to, a name and an ID number. The input / output unit may be a display unit, and the display unit may be a liquid crystal display (Liquid Crystal Display, LCD) or an organic light emitting diode (Organic Light-Emitting Diode, OLED) display. The display unit may receive the user identity information. For example, the user may enter the user identity information in the display unit through an input device such as a finger or a touch pen.

In addition, the user may interact with the terminal device through the input-output unit. For example, receiving input user identity information. The non-contact input mode may be used to interact with the terminal device through the input and output unit. For example, voice input. When a user interacts with the terminal device through voice input, the input-output unit may be a microphone. The input / output unit may also be an external remote control unit, and the remote control unit sends a control command to the terminal device through wireless or wired communication. The input / output unit may also be a mechanical key input unit, such as a key, a lever, a flywheel input key, and the like.

The terminal device may include a personal computer (PC), a personal digital assistant (PDA), a wireless handheld device, a tablet computer, a smart phone, and the like. The above terminal devices are merely examples, not exhaustive, and include but are not limited to the above terminal devices.

Preferably, after receiving the user identity information inputted from the outside, the identity authentication method further includes a step of confirming whether the user identity information is valid.

In this embodiment, the terminal device is network-connected to an administrative department system (for example, the Chinese Ministry of Public Security system) that issues an identity card. After the terminal device receives the inputted user identity information, the terminal device sends the user identity The information is sent to the administrative department system, and the administrative department system checks the validity of the received user identity information, and feeds back the check result to the terminal device.

Specifically, a method for confirming whether the user identity information is valid includes:

A1: The terminal device sends and receives user identity information to the administrative department system;

A2: the administrative department system compares the received user identity information with the user identity information pre-stored in the administrative department system to determine whether the received user identity information is consistent with the pre-stored user identity information;

A3: When the system of the administrative department confirms that the received user identity information is consistent with the pre-stored identity information, the user identity information is valid, and the result that the user identity information is valid is fed back to the terminal device;

A4: When the administrative department system confirms that the received user identity information is inconsistent with the pre-stored identity information, the user identity information is invalid, and the result that the user identity information is invalid is fed back to the terminal device;

A5: after receiving the result that the user identity information is invalid, the terminal device prompts the user to re-enter the identity information;

A6: The terminal device records the number of times the user enters identity information, and compares whether the number of times is less than or equal to a preset number of times; when the number of times is less than or equal to a preset number of times (such as 3 times), return to step A1, When the number of times is greater than the preset number, go to step A7;

A7: Lock the terminal device and no longer receive user identity information within a preset time (for example, 30 minutes).

Preferably, the terminal device may further receive the user ID validity period information fed back by the administrative department system.

Specifically, after the terminal device receives the identity information input by the user, the identity information is sent to the administrative department system, and the administrative department system queries the validity period of the user's ID card according to the received identity information, and feeds back the query result to the Terminal equipment, thereby further ensuring the identity of the user and avoiding the risk of opening an account with fake outdated identity information.

Step S2: Obtain a photo of the user holding the ID card, where the photo includes frontal information of the ID card and face information of the user.

In this embodiment, the terminal device is configured with a camera (for example, a wide-angle camera). When the user holds the front of the ID card and faces the camera, the camera collects user photos on the spot. The user photos are stored in the same path in a predetermined format size. The photo includes frontal information of the identity card and facial information of the user.

Preferably, a face detection algorithm may be used to detect a face image in a photo when the user holds an identity card. It can be understood that the collected user photos include two face images, which are the first face image in the front information of the ID card and the second face image in the user's face information.

The face detection algorithm may be one or more of the following algorithms: a template-based face detection method, an artificial neural network-based face detection method, a model-based face detection method, and a skin-color-based face Detection methods or face detection methods based on feature sub-faces.

Preferably, the method further includes the steps of obtaining a first face image and a second face image in the photo, and preprocessing the first face image and the second face image, respectively.

In this embodiment, the preprocessing includes normalization processing of geometric characteristics of a face image. The normalization process of the geometric characteristics can normalize the face image to the same position, angle, and size. Since the distance between two eyes of a person is basically the same for most people, the positions of the two eyes are often used as a basis for geometric normalization of a face image.

Specifically, assuming that the positions of the two eyes in the face image are E _l and E _r (as shown in FIG. 2), the geometric normalization of the face image can be achieved through the following steps:

a) Rotate the face image so that the line between E _l and E _r

maintain standard. This guarantees the consistency of the face orientation and reflects the rotation invariance of the face in the image plane;

b) crop the face image according to a certain proportion. For example, set point O in the figure to

The midpoint of

After cropping, in the 2d × 2d image, the point O can be guaranteed to be fixed at (0.5d, d). This ensures the consistency of the face position and reflects the translation invariance of the face in the image plane;

c) Reduce and enlarge the cropped image to obtain a standard image of uniform size. For example, if the size of the specified image is 128 × 128 pixels, it means that

For a fixed length (64 pixels), the zoom factor is β = 2d / 128. This guarantees the consistency of the face size and reflects the scale invariance of the face in the image plane.

Preferably, the method further comprises the step of identifying user identity information in the front information of the ID card by using OCR technology.

The user identity information includes, but is not limited to, user name and ID number information. Specifically, the OCR technology is used to identify the text information on the front of the ID card, thereby obtaining the user name and ID number information.

The steps to use OCR technology to identify the text on the front of an ID include:

a) Pre-process the photo when the user holds the ID card. The pre-processing process usually includes sub-steps such as graying, binarization, noise reduction, skew correction, and text segmentation, so as to facilitate subsequent feature extraction and learning.

b) Identify the name and ID number in the pre-processed photo. The process includes feature extraction and dimension reduction, classifier design, training, and optimization processing.

The feature extraction is used to identify key information of a character, and each different character can be distinguished from other characters by a feature. After the features are determined, the dimension reduction is performed to reduce the difficulty of data processing and improve the recognition speed.

The dimensionality-reduced features are classified by a classifier to recognize corresponding characters according to the features. Classifier design methods generally include: template matching method, discriminant function method, neural network classification method, rule-based reasoning method, and so on. Before performing word recognition, the classifier is often trained. This is a supervised learning process, which is not repeated here.

Finally, the classification result of the classifier is optimized to obtain user name and ID number information. The optimization process generally includes the processing of near-inscriptions and the processing of typesetting.

Step S3: Confirm whether the user is qualified according to the received user information and the obtained photo.

In this embodiment, the received user information is compared with the user information obtained from the front information of the ID card, and the first face image and the second face image are compared to confirm whether the user is qualified.

The step of confirming whether a user is qualified according to the received user information and the obtained photo includes:

Compare whether the name and ID number in the received user information are consistent with the name and ID number identified from the front information of the ID card to confirm whether the user information is qualified;

When it is confirmed that the user information is qualified, it is compared whether the similarity between the first face image and the second face image is greater than or equal to a preset value (for example, 80%) to confirm whether the user is qualified. It can be understood that the monthly setting can be arbitrarily set according to actual needs, such as 70%.

When the name and ID card number in the received user information is consistent with the name and ID card number identified from the frontal information of the ID card, and the similarity between the first face image and the second face image is greater than The preset value is stated, the user is confirmed to be qualified, and the account opening application of the user is accepted.

When the name and ID card number in the received user information are inconsistent with the names and ID card numbers identified from the front information of the ID card, the user information is confirmed to be unqualified, the transaction is ended, and the user's account opening application is temporarily not accepted.

When the name and ID card number in the received user information is consistent with the name and ID card number identified from the front information of the ID card, and the similarity between the first face image and the second face image is smaller than the When the value is preset, the transaction is ended, and the user's account opening application is temporarily not accepted.

It is understandable that at this time, the user may use the identity information of other people to open an account, and this situation can be eliminated through this solution.

In summary, the identity authentication method provided in this application includes receiving externally input user identity information, wherein the user identity information includes a name and an ID card number; obtaining a photo of a user holding an ID card, wherein the photo Including the positive information of the ID card and the user's face information; and confirming the user's eligibility based on the received user's identity information and the photos obtained, and when the user is confirmed to be qualified, the user's account opening application is accepted. As a result, the user of the account opening application is automatically judged to be qualified, which greatly reduces the human cost of the bank's manual review of user information, significantly enhances the rigor and security of user account opening, and protects the legitimate interests of users and banks.

The foregoing is only a specific implementation of this application, but the scope of protection of this application is not limited to this. For those of ordinary skill in the art, without departing from the creative concept of this application, they can also make Improvement, but these all belong to the protection scope of this application.

The following describes the functional modules and hardware structures of the terminal device implementing the above-mentioned identity authentication method with reference to FIGS. 3 and 4 respectively.

In some embodiments, the identity authentication device 30 runs in a terminal device. The identity authentication device 30 may include a plurality of functional modules composed of program code segments. The program code of each program segment in the identity authentication device 30 may be stored in a memory and executed by at least one processor to perform (see FIG. 1 and related description for details) an identity authentication function.

In this embodiment, the identity authentication device 30 may be divided into a plurality of functional modules according to functions performed by the identity authentication device 30. The functional modules may include a receiving module 301, an obtaining module 302, and a confirmation module 303. The module referred to in the present application refers to a series of computer-readable instruction segments that can be executed by at least one processor and can perform fixed functions, which are stored in a memory. In some embodiments, functions of each module will be described in detail in subsequent embodiments.

The receiving module 301 is configured to receive external user identity information.

Preferably, after receiving the externally input user identity information, the confirmation module 303 is further configured to confirm whether the user identity information is valid.

Specifically, the specific method for confirming whether the user identity information is valid by the confirmation module 303 includes:

A1: the terminal device sends and receives the user identity information to the administrative department system;

A6: The terminal device records the number of times the user enters identity information, and compares whether the number of times is less than or equal to a preset number of times; when the number of times is less than or equal to a preset number of times (such as 3 times), return to step A1, when the When the number of times is greater than the preset number, go to step A7;

The acquiring module 302 is configured to acquire a photo of a user holding an ID card, where the photo includes frontal information of the ID card and face information of the user.

Preferably, the obtaining module 302 is further configured to obtain a first face image and a second face image in the photo, and perform preprocessing on the first face image and the second face image, respectively.

a) Rotate the face image so that the line between E _l and E _r

The midpoint of

Preferably, the obtaining module 302 is further configured to use OCR technology to identify user identity information in the front information of the ID card.

The user identity information includes, but is not limited to, user name and ID number information. Specifically, the OCR technology is used to identify the text information on the front of the ID card, thereby obtaining the user name and ID card number information.

The methods of using OCR technology to identify the text information on the front of the ID include:

The dimensionality-reduced features are classified by a classifier to recognize corresponding characters according to the features. Classifier design methods generally include: template matching method, discriminant function method, neural network classification method, rule-based reasoning method, and so on. Before performing word recognition, the classifier is often trained. This is a supervised learning process and will not be repeated here.

The confirmation module 303 is configured to confirm whether the user is qualified according to the received user information and the identified photo.

The method for confirming whether the user is qualified according to the received user information and the identified photo includes:

When the name and ID number in the received user information are consistent with the name and ID number identified from the front side information of the ID card, and the similarity between the first face image and the second face image is greater than or equal to The preset value is stated, the user is confirmed to be qualified, and the account opening application of the user is accepted.

When the name and ID card number in the received user information is consistent with the name and ID card number identified from the front information of the ID card, and the similarity between the first face image and the second face image is smaller than the When the value is preset, the transaction is ended, and the user's account opening application is temporarily not accepted. It is understandable that at this time, the user may use the identity information of other people to open an account, and this situation can be eliminated through this solution.

In summary, the identity authentication method provided in this application includes receiving externally input user identity information, wherein the user identity information includes a name and an ID card number; obtaining a photo of a user holding an ID card, wherein the photo Including the positive information of the ID card and the user's face information; and confirming the user's eligibility according to the received user's identity information and the identified photos, and accepting the user's account opening application when the user is confirmed to be qualified. As a result, the user of the account opening application is automatically judged to be qualified, which greatly reduces the human cost of the bank's manual review of user information, significantly enhances the rigor and security of user account opening, and protects the legitimate interests of users and banks.

The integrated unit implemented in the form of a software functional module may be stored in a computer-readable storage medium. The above software function module is stored in a storage medium and includes several instructions for causing a computer device (which may be a personal computer, a dual-screen device, or a network device) or a processor to execute the various embodiments described in this application. Part of the method.

The terminal device 4 includes: a communication unit 41, a memory 42, at least one processor 43, computer-readable instructions 44 stored in the memory 42 and executable on the at least one processor 43, and at least one communication bus 45.

When the at least one processor 43 executes the computer-readable instructions 44, the steps in the method embodiment for implementing the foregoing identity authentication are implemented.

Exemplarily, the computer-readable instructions 44 may be divided into one or more modules / units, and the one or more modules / units are stored in the memory 42 and processed by the at least one processor 43 Execute to complete this application. The one or more modules / units may be a series of computer-readable instruction instruction segments capable of performing specific functions, and the instruction segments are used to describe the execution process of the computer-readable instructions 44 in the terminal device 4.

The terminal device 4 is a device capable of automatically performing numerical calculations and / or information processing in accordance with an instruction set or stored in advance. Its hardware includes, but is not limited to, a microprocessor and an application-specific integrated circuit (Application Specific Integrated Circuit). , ASIC), Programmable Gate Array (Field-Programmable Gate Array, FPGA), Digital Processor (Digital Signal Processor, DSP), embedded devices, etc. Those skilled in the art can understand that the schematic diagram 4 is only an example of the terminal device 4, and does not constitute a limitation on the terminal device 4. It may include more or fewer components than shown in the figure, or combine some components, or be different For example, the terminal device 4 may further include an input / output device, a network access device, a bus, and the like.

The communication unit 41 is configured to provide a network communication function for the terminal device 4 through a wired or wireless network transmission mode. For example, the terminal device 4 is communicatively connected with the administrative department system through the communication terminal unit 41.

The wired network may be any type of traditional wired communication, such as the Internet and a local area network. The wireless network may be any type of traditional wireless communication, such as radio, wireless fidelity (WIFI), cellular, satellite, and broadcast. Wireless communication technologies may include, but are not limited to, Global System for Mobile Communications (GSM), General Packet Radio Service (GPRS), Code Division Multiple Access (CDMA), Wideband code division multiple access (W-CDMA), CDMA2000, IMT Single Carrier, Enhanced Data Rate GSM Evolution (Enhanced Data Rates for GSM Evolution, EDGE), Long-Term Evolution (LTE) , Advanced Long Term Evolution Technology, Time-Division LTE (TD-LTE), Fifth Generation Mobile Communication Technology (5G), High Performance Radio Local Area Network (High Performance Radio Local Area Network, HiperLAN), High Performance Radio Wide Area Network (High Performance, Radio Wide Area, HiperWAN), Local Multipoint Distribution Service (LMDS), Worldwide Interoperability for Microwave Access (WiMAX), ZigBee, Bluetooth, Orthogonal Frequency Division Multiplexing (Flash Orthogonal Freq) uency-Division Multiplexing (Flash-OFDM), High-capacity Spatial Division Multiple Access (HC-SDMA), Universal Mobile Telecommunications System (UMTS), Universal Mobile Telecommunications System Time Division Dual (UMTS Time-Division Duplexing, UMTS-TDD), Evolved High Speed Packet Access (HSPA +), Time Division Synchronous Code Division Multiple Access (TD-SCDMA), evolution Data optimization (EV-DO), Digital Enhanced Cordless Telecommunications (DECT), and others.

The at least one processor 43 may be a central processing unit (CPU), or other general-purpose processors, digital signal processors (DSPs), and application-specific integrated circuits (ASICs). ), Ready-made programmable gate array (Field-Programmable Gate Array, FPGA) or other programmable logic devices, discrete gate or transistor logic devices, discrete hardware components, etc. The processor 43 may be a microprocessor, or the processor 43 may be any conventional processor, etc. The processor 43 is a control center of the terminal device 4 and uses various interfaces and lines to connect the entire terminal. Various parts of the device 4.

The memory 42 may be configured to store the computer-readable instructions 44 and / or modules / units, and the processor 43 may execute or execute the computer-readable instructions and / or modules / units stored in the memory 42 and The data stored in the memory 42 is called to implement various functions of the terminal device 4. The memory 42 may mainly include a storage program area and a storage data area, where the storage program area may store an operating system, an application program required for at least one function (such as a sound playback function, an image playback function, etc.), and the like; Data (such as audio data, phone book, etc.) created according to the use of the terminal device 4 are stored. In addition, the memory 42 may include a high-speed random access memory, and may also include a non-volatile memory, such as a hard disk, an internal memory, a plug-in hard disk, a Smart Memory Card (SMC), and a Secure Digital (SD). Card, flash memory card (Flash card), at least one disk storage device, flash memory device, or other volatile solid-state storage device.

The memory 42 stores program code, and the at least one processor 43 can call the program code stored in the memory 42 to perform related functions. For example, each module (the receiving module 301, the obtaining module 302, and the confirmation module 303) described in FIG. 3 is a program code stored in the memory 42 and executed by the at least one processor 43 to implement all The functions of each module are described to achieve the purpose of authenticating the identity of the user.

The receiving module 301 is configured to receive externally input user identity information, where the user identity information includes a name and an ID card number;

The obtaining module 302 is configured to obtain a photo of a user holding an ID card, wherein the photo includes front information of the ID card and user face information; and

The confirmation module 303 is configured to confirm whether the user is qualified according to the received user identity information and the identified photo, and receive an account opening application when the user is confirmed to be qualified.

Preferably, the acquisition module 302 uses a face detection algorithm to detect a face image in a photo when the user is holding an ID card, wherein the face image includes a first face image in the front information of the ID card and the user The second face image in the facial information.

Preferably, the obtaining module 302 also uses OCR technology to identify user identity information in the front information of the ID card.

Preferably, the method for confirming whether the user is qualified according to the received user identity information and the identified photo includes:

Compare whether the name and ID number in the received user identity information are the same as the name and ID number identified from the front information of the ID card to confirm whether the user ID information is qualified;

When it is confirmed that the user identity information is qualified, it is compared whether the similarity between the first face image and the second face image is greater than or equal to a preset value to confirm whether the user is qualified.

Preferably, when the name and the ID number in the received user identity information are respectively consistent with the name and the ID number identified from the front information of the ID card, and between the first face image and the second face image, If the similarity is greater than or equal to the preset value, confirming that the user is qualified;

When the name and ID number in the received user identity information do not match the name and ID number identified from the front information of the ID card, confirm that the user is unqualified;

When the name and ID number in the received user identity information are respectively consistent with the name and ID number identified from the front information of the ID card, the similarity between the first face image and the second face image is less than When the preset value is specified, it is confirmed that the user fails.

Preferably, the confirmation module 303 is further configured to confirm whether the user identity information is valid after receiving the user identity information input from the outside, and specifically includes:

Sending the received user identity information to the administrative department system, and the administrative department system compares whether the received user identity information is consistent with the user identity information pre-existing in the administrative department system;

Receive a message sent by the administrative department system to confirm that the received user identity information is consistent with the pre-stored identity information.

Preferably, the step of confirming whether the user identity information is valid by the confirmation module 303 further includes:

Receiving a message sent by the administrative department system confirming that the received user identity information is inconsistent with the pre-stored identity information, and prompting the user to re-enter the identity information;

Recording the number of times the user enters identity information, and comparing whether the number of times is greater than or equal to a preset number;

When the number of times is greater than or equal to the preset number of times, the terminal device is locked, and the identity information is no longer received within a preset time.

When the modules / units integrated in the terminal device 4 are implemented in the form of software functional units and sold or used as independent products, they can be stored in a computer-readable storage medium. Based on this understanding, this application implements all or part of the processes in the methods of the above embodiments, and can also be completed by computer-readable instructions instructing related hardware. The computer-readable instructions can be stored in a computer-readable storage medium. In the computer-readable instructions, when executed by a processor, the steps of the foregoing method embodiments can be implemented. The computer-readable instructions include computer-readable instruction codes, and the computer-readable instruction codes may be in a source code form, an object code form, an executable file, or some intermediate form. The computer-readable medium may include: any entity or device capable of carrying the computer-readable instruction code, a recording medium, a U disk, a mobile hard disk, a magnetic disk, an optical disk, a computer memory, a read-only memory (ROM, Read-Only Memory), random access memory (RAM, Random Access Memory), electric carrier signals, telecommunication signals, and software distribution media. It should be noted that the content contained in the computer-readable medium can be appropriately increased or decreased according to the requirements of legislation and patent practice in the jurisdictions. For example, in some jurisdictions, the computer-readable medium Excludes electric carrier signals and telecommunication signals.

Although not shown, the terminal device 4 may further include a power source (such as a battery) for supplying power to various components. Preferably, the power source may be logically connected to the at least one processor 43 through a power management system, so as to be implemented by the power management system. Manage charge, discharge, and power management functions. The power source may also include one or more DC or AC power sources, a recharging system, a power failure detection circuit, a power converter or inverter, a power source status indicator, and any other components. It should be understood that the embodiments are for illustrative purposes only and are not limited by this structure in the scope of patent applications.

In the several embodiments provided in this application, it should be understood that the disclosed electronic device and method may be implemented in other ways. For example, the embodiments of the electronic device described above are merely schematic. For example, the division of the units is only a logical function division, and there may be another division manner in actual implementation.

In addition, each functional unit in each embodiment of the present application may be integrated in the same processing unit, or each unit may exist separately physically, or two or more units may be integrated in the same unit. The integrated unit can be implemented in the form of hardware, or in the form of hardware plus software functional modules.

It is obvious to a person skilled in the art that the present application is not limited to the details of the above exemplary embodiments, and that the present application can be implemented in other specific forms without departing from the spirit or basic features of the application. Therefore, the embodiments should be regarded as exemplary and non-limiting in every respect. The scope of the present application is defined by the appended claims rather than the above description, and therefore is intended to fall within the claims. All changes that are within the meaning and scope of equivalent requirements are included in this application. Any reference signs in the claims should not be construed as limiting the claims involved. Furthermore, it is clear that the word "comprising" does not exclude other units or that the singular does not exclude the plural. A plurality of units or devices stated in the system claims may also be implemented by one unit or device through software or hardware. Words such as first and second are used to indicate names, but not in any particular order.

Finally, it should be noted that the above embodiments are only used to illustrate the technical solution of the present application, but are not limiting. Although the present application has been described in detail with reference to the preferred embodiments, those skilled in the art should understand that the technical solution of the present application can be used. Modifications or equivalent substitutions can be made without departing from the spirit and scope of the technical solution of the present application.

Claims

An identity authentication method, comprising:

Receiving externally input user identity information, wherein the user identity information includes a name and an ID card number;

Obtaining a photo when the user holds the ID card, wherein the photo includes the front information of the ID card and the user's face information; and

Confirm whether the user is qualified according to the received user identity information and the obtained photos, and when confirming that the user is qualified, receive an account opening application.
The identity authentication method according to claim 1, wherein a face detection algorithm is used to detect a face image in a photo when the user holds an ID card, and wherein the face image includes the information in the front information of the ID card. The first face image and the second face image in the user's face information.
The identity authentication method according to claim 2, further comprising:

The OCR technology is used to identify user identity information in the front information of the ID card.
The identity authentication method according to claim 3, wherein determining whether the user is qualified according to the received user identity information and the obtained photo comprises:

Compare whether the name and ID number in the received user identity information are the same as the name and ID number identified from the front information of the ID card to confirm whether the user ID information is qualified;

When it is confirmed that the user identity information is qualified, it is compared whether the similarity between the first face image and the second face image is greater than or equal to a preset value to confirm whether the user is qualified.
The identity authentication method according to claim 4, wherein:

When the name and ID number in the received user identity information are respectively consistent with the name and ID number identified from the front information of the ID card, and the similarity between the first face image and the second face image is greater than Equal to the preset value, confirming that the user is qualified;

When the name and ID number in the received user identity information do not match the name and ID number identified from the front information of the ID card, confirm that the user is unqualified;

When the name and ID number in the received user identity information are respectively consistent with the name and ID number identified from the front information of the ID card, the similarity between the first face image and the second face image is less than When the preset value is specified, it is confirmed that the user fails.
The identity authentication method according to claim 1, wherein after receiving the externally input user identity information, the method further comprises a step of confirming whether the user identity information is valid, and the steps include:

Sending the received user identity information to the administrative department system, and the administrative department system compares whether the received user identity information is consistent with the user identity information pre-existing in the administrative department system;

Receive a message sent by the administrative department system to confirm that the received user identity information is consistent with the pre-stored identity information.
The identity authentication method according to claim 6, wherein the step of confirming whether the identity information of the user is valid further comprises:

Receiving a message sent by the administrative department system confirming that the received user identity information is inconsistent with the pre-stored identity information, and prompting the user to re-enter the identity information;

Recording the number of times the user enters identity information, and comparing whether the number of times is greater than or equal to a preset number;

When the number of times is greater than or equal to the preset number of times, the terminal device is locked, and the identity information is no longer received within a preset time.
An identity authentication device, characterized in that the device includes:

A receiving module, configured to receive externally input user identity information, wherein the user identity information includes a name and an ID card number;

An acquisition module for acquiring a photo of a user holding an ID card, wherein the photo includes frontal information of the ID card and user face information; and

The confirmation module is configured to confirm whether the user is qualified according to the received user identity information and the obtained photo, and receive an account opening application when the user is confirmed to be qualified.
A terminal device, wherein the terminal device includes a processor and a memory, and the processor implements the following steps when executing at least one computer-readable instruction stored in the memory:

Receiving externally input user identity information, wherein the user identity information includes a name and an ID card number;

Obtaining a photo when the user holds the ID card, wherein the photo includes the front information of the ID card and the user's face information; and

Confirm whether the user is qualified according to the received user identity information and the obtained photos, and when confirming that the user is qualified, receive an account opening application.
The terminal device according to claim 9, wherein the processor further implements the following steps when the processor executes the at least one computer-readable instruction:

A face detection algorithm is used to detect a face image in a photo when the user holds an identity card, wherein the face image includes a first face image in front information of the identity card and a second face in the user's face information image.
The terminal device according to claim 10, wherein the processor executes the at least one computer-readable instruction to further implement the following steps:

The OCR technology is used to identify user identity information in the front information of the ID card.
The terminal device according to claim 11, wherein when the user is qualified according to the received user identity information and the obtained photo, the processor executes the at least one computer-readable instruction to further implement the following steps:

Compare whether the name and ID number in the received user identity information are the same as the name and ID number identified from the front information of the ID card to confirm whether the user ID information is qualified;

When it is confirmed that the user identity information is qualified, it is compared whether the similarity between the first face image and the second face image is greater than or equal to a preset value to confirm whether the user is qualified.
The terminal device according to claim 12, wherein the processor executes the at least one computer-readable instruction to further implement the following steps:

When the name and ID number in the received user identity information are respectively consistent with the name and ID number identified from the front information of the ID card, and the similarity between the first face image and the second face image is greater than Equal to the preset value, confirming that the user is qualified;

When the name and ID number in the received user identity information do not match the name and ID number identified from the front information of the ID card, confirm that the user is unqualified;

When the name and ID number in the received user identity information are respectively consistent with the name and ID number identified from the front information of the ID card, the similarity between the first face image and the second face image is less than When the preset value is specified, it is confirmed that the user fails.
The terminal device according to claim 9, wherein after the processor receives externally input user identity information, executing the at least one computer-readable instruction further implements the following steps:

Sending the received user identity information to the administrative department system, and the administrative department system compares whether the received user identity information is consistent with the user identity information pre-existing in the administrative department system;

Receive a message sent by the administrative department system to confirm that the received user identity information is consistent with the pre-stored identity information.
The terminal device according to claim 14, wherein when the processor confirms whether the user identity information is valid, executing the at least one computer-readable instruction further implements the following steps:

Receiving a message sent by the administrative department system confirming that the received user identity information is inconsistent with the pre-stored identity information, and prompting the user to re-enter the identity information;

Recording the number of times the user enters identity information, and comparing whether the number of times is greater than or equal to a preset number;

When the number of times is greater than or equal to the preset number of times, the terminal device is locked, and the identity information is no longer received within a preset time.
A non-volatile readable storage medium, characterized in that the non-volatile readable storage medium stores at least one computer-readable instruction, and when the at least one computer-readable instruction is executed by a processor, the following steps are implemented: :

Receiving externally input user identity information, wherein the user identity information includes a name and an ID card number;

Obtaining a photo when the user holds the ID card, wherein the photo includes the front information of the ID card and the user's face information; and

Confirm whether the user is qualified according to the received user identity information and the obtained photos, and when confirming that the user is qualified, receive an account opening application.
The storage medium of claim 16, wherein when the at least one computer-readable instruction is executed by the processor, the following steps are further implemented:

A face detection algorithm is used to detect a face image in a photo when the user holds an identity card, wherein the face image includes a first face image in front information of the identity card and a second face in the user's face information image.
The storage medium of claim 17, wherein when the at least one computer-readable instruction is executed by the processor, the following steps are further implemented:

The OCR technology is used to identify user identity information in the front information of the ID card.
The storage medium according to claim 16, wherein when determining whether a user is qualified according to the received user identity information and the obtained photo, when the at least one computer-readable instruction is executed by the processor, the following is further implemented: step:

When the name and ID number in the received user identity information are respectively consistent with the name and ID number identified from the front information of the ID card, and the similarity between the first face image and the second face image is greater than Equal to the preset value, confirming that the user is qualified;

When the name and ID number in the received user identity information do not match the name and ID number identified from the front information of the ID card, confirm that the user is unqualified;

When the name and ID number in the received user identity information are respectively consistent with the name and ID number identified from the front information of the ID card, the similarity between the first face image and the second face image is less than When the preset value is specified, it is confirmed that the user fails.
The storage medium of claim 19, wherein when the at least one computer-readable instruction is executed by the processor, the following steps are further implemented:

When the name and ID number in the received user identity information are respectively consistent with the name and ID number identified from the front information of the ID card, and the similarity between the first face image and the second face image is greater than Equal to the preset value, confirming that the user is qualified;

When the name and ID number in the received user identity information do not match the name and ID number identified from the front information of the ID card, confirm that the user is unqualified;

When the name and ID number in the received user identity information are respectively consistent with the name and ID number identified from the front information of the ID card, the similarity between the first face image and the second face image is less than When the preset value is specified, it is confirmed that the user fails.