Convenient withdrawal system and methodTechnical field
The present invention relates to a kind of bankings to handle system and method, specifically a kind of convenient withdrawal system and sideMethod.
Background technique
In real life, it when going to bank to handle the deposit or the withdrawal, not only needs to operate sometimes using vouchers such as bank cardsProcess is cumbersome, often will appear bank card lose, forget Password, will not self-service withdrawal, window for a long time be lined up the problems such as.MoreThe serious is both for the biggish business of amount, the lesser business of amount requires to pass through for many bank window services at presentSelf-service device inside and outside bank is operated, this just brings great puzzlement to the middle-aged and the old, although there is the work people of bankMember is instructed, but since the middle-aged and the old is not familiar to self-service device, operation slowly, not only influences business handling efficiency, also holdsEasily there is situations such as retain card, locking, it is highly inconvenient.
In addition, more and more mature and convenient with smart phone payment, it is also carrying mobile phone that many young men, which go out,Without bank card or cash, once there is situations such as mobile phone out of power or no signal, it is difficult to carry out delivery operation, not only delays rowJourney, and many troubles can be brought.
Summary of the invention
The present invention be directed to be referred in background technique, provide a kind of based on face identification system and voice knowledgeThe convenient withdrawal system and method for the multiple tracks security protection of other system.
For achieving the above object, the technical solution adopted by the present invention is that: a kind of convenient withdrawal system, including bankService-Port and client port,
The bank server port is also stored with user's vocal print module, user images module, semantics recognition module and control mouldBlock；
The client port is provided with face identification system and speech recognition system；Client is additionally provided with and face identification systemThe faceform's extraction module being connected, the voiceprint extraction module and semantics recognition module that are connected with speech recognition system；
Faceform's extraction module, voiceprint extraction module are connect with the control module in bank server port；
User's vocal print module, user images module and the semantics recognition module is connect with control module respectively.
A kind of convenient withdrawal method, the withdrawal method are configured with a set of withdrawal system, which includes bankService-Port and client port,
The bank server port is also stored with user's vocal print module, user images module, semantics recognition module and control mouldBlock；
The client port is provided with face identification system and speech recognition system；Client is additionally provided with and face identification systemThe faceform's extraction module being connected, the voiceprint extraction module being connected with speech recognition system；
Faceform's extraction module, voiceprint extraction module are connect with the control module in bank server port；
User's vocal print module, user images module and the semantics recognition module is connect with control module respectively；
Follow the steps below operation:
(1) user when bank window handles account, used by face identification system and speech recognition system acquisition by bank windowThe human face image information and acoustic information at family, and bank is stored in after faceform's extraction module and the conversion of vocal print extraction moduleIn user's vocal print module and user images module in Service-Port；
User records some particular problems by speech recognition system and answer is stored in bank when bank window handles accountIn semantics recognition module in Service-Port；
(2) when user self-help transacting business, before standing or being seated at client, image is acquired by face identification system, and pass throughFaceform's extraction module is by its image zooming-out and be transmitted to the control module at bank server end, and control module will receiveImage zooming-out information is compared with the user images module of original storage:
When image information compares identical, system recalls the related service information of user automatically, while semantics recognition module passes through languageSound identifying system carries out business inquiry to user, and extracts 1-2 particular problem out at random and inquired, in interactive process, languageSound identifying system stores the acoustic information of user and extracts vocal print by voiceprint extraction module, is transmitted to the control at bank server endThe voiceprint extraction information received is compared with user's vocal print module of original storage for molding block, control module, after coincideingContinue to handle related service, misfits system refusal and operate down；
When image information comparison is misfitted, system refusal operates down.
The facial image of face identification system acquisition and the comparison of user images module are first of safety of business handlingProtection；The acoustic information of the speech recognition system acquisition and the comparison of user's vocal print module are the second safety of business handlingProtection.
Vocal print acquisition when particular problem in semantics recognition module is answered in real time for user, belongs to dynamic authentication passwordProcess is the third road security protection of business handling.
The entire business handling process of the withdrawal method is contactless operation.
Interaction of this system and method disclosed in this invention based on face identification system and speech recognition system, whereinFace identification system is applied to bundled user name, and speech recognition system is applied to password authentification, is situated between by reducing, updating withdrawalMatter and process solve not will use self-service device in background technique, without bank card or the problems such as forget Password, convenient and efficient, peaceQuan Xinggao, strong security, the crowd suitable for each age group use.
Detailed description of the invention
Fig. 1 is system principle diagram of the invention.
Fig. 2 is flow diagram of the invention.
Specific embodiment
The present invention will be further described with reference to the accompanying drawings and examples.
Referring to attached drawing 1-2, the invention discloses a kind of convenient withdrawal systems, including bank server port and clientMouthful, client is provided with conventional input display module, and this conventional input display module is that bank self-help general at present is setStandby input display operation module.
Bank server port is also stored with user's vocal print module, user images module, semantics recognition module and control mouldBlock；Client port is provided with face identification system and speech recognition system；Client is additionally provided with to be connected with face identification systemThe faceform's extraction module connect, the voiceprint extraction module and semantics recognition module that are connected with speech recognition system；Face mouldType extraction module, voiceprint extraction module are connect with the control module in bank server port；User's vocal print module, Yong HutuAs module and semantics recognition module are connect with control module respectively.
Access money method based on above system, follows the steps below operation.
(1) for user when bank window handles account, bank window (as the first client) passes through face identification systemThe human face image information and acoustic information of user are acquired with speech recognition system, and through faceform's extraction module and voiceprint extractionIt is stored in after module converter in the user's vocal print module and user images module in bank server port.Face identification system is adoptedThe comparison of the facial image and user images module that integrate is first of security protection of business handling；Speech recognition system acquisitionThe comparison of acoustic information and user's vocal print module is the second security protection of business handling.
User records some particular problems by speech recognition system and answer is stored in when bank window handles accountIn semantics recognition module in bank server port.When particular problem in semantics recognition module is answered in real time for userVocal print acquisition, user compare with user's vocal print module while answering a question, actually collecting voiceprint, vocal printInformation judge as password password to mistake.It can answer according to actual needs to wrong record, it is close to belong to dynamic authenticationCode process, problem are randomly selected, and prevent recording by verifying, this is the third road security protection of business handling.
(2) when user self-help transacting business, before standing or being seated at self-service device (as the second client), known by faceOther system acquisition image, and pass through faceform's extraction module for its image zooming-out and be transmitted to the control mould at bank server endThe image zooming-out information received is compared with the user images module of original storage for block, control module:
When image information compares identical, system recalls the related service information of user automatically, while semantics recognition module passes through languageSound identifying system carries out business inquiry to user, and extracts 1-2 particular problem out at random and inquired, preferably, languageThe problem of storing in adopted identification module is all that some numbers of words are few, simple question, if erroneous answers, operation is also terminated；It answers justReally, business continues to handle, and semantics recognition is also one of security protection therein.In interactive process, speech recognition system storageThe acoustic information of user simultaneously extracts vocal print by voiceprint extraction module, is transmitted to the control module at bank server end, controls mouldThe voiceprint extraction information received is compared block with user's vocal print module of original storage, and the subsequent renewal that coincide manages related industryBusiness is misfitted system refusal and is operated down；
When image information comparison is misfitted, system refusal operates down, logs off.
The entire business handling process of withdrawal method is contactless operation.Can according to voice inquire handle cash orNo cash transaction, monetary transaction are storage/access money business, and no cash transaction includes transferring accounts, payment of duty, paying forfeit money, and pass through controlThe connection of the Service-Port of module and bank is operated.It is open-minded that this non-contact type business can be used for New Account, can also be withFor old debts family business modification, frequent customer can open this non-contact type business handling function on old debts family.
Embodiment
User sits or stands before sales counter or ATM machine, and face identification system judges associated client (first of protection at this time firstIn progress, it is compared by man face image acquiring with user images module), identify the account situation of client；
Then speech recognition system can be inquired actively: " you are good, XXX(customer name) "." may I ask and withdraw cash or save ".ClientIt answers: " take or save ".(at this moment the password authentification of voiceprint has begun).
Speech recognition system then asks (the problem of setting in semantics recognition module): " where you work ... .., or:Where son goes to work ..., or: family refrigerator is that (this process is dynamic authentication password to what brand ... .. " etc., realIt is not configured to judge answer on border to mistake, but further collects voiceprint and be compared, further verify coincideing for passwordRate prevents from recording).User answers its problem, and by vocal print multiple authentication, password coincide, verifies.
Speech recognition system inquiry " you deposit or withdrawal amount is " user answer a question, correctly then system automatic money output or intoOtherwise row deposit operation must be verified again.
Business handling finishes, speech recognition system prompt, if end operation continues transacting business, and user continues to selectIt operates in next step, overall process only has speech exchange, is not manually operated.