CN111553312A - Business processing method and device - Google Patents
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Abstract
Translated fromChinese
Description
Translated fromChinese技术领域technical field
本发明涉及数据处理技术领域，特别涉及一种业务办理方法及装置。The present invention relates to the technical field of data processing, and in particular, to a business processing method and device.
背景技术Background technique
目前，在客户到金融机构例如银行等进行业务办理时，大多金融机构要求客户提供例如借记卡、信用卡、存折等金融机构配发的有效凭证才能办理业务。而且每家金融机构配发的凭证都不同，客户凭证种类繁多，有遗失和过期的风险。客户需要多次往返金融机构网点办理业务，业务办理效率低。At present, when customers go to financial institutions such as banks to conduct business, most financial institutions require customers to provide valid certificates issued by financial institutions such as debit cards, credit cards, passbooks, etc. before they can handle business. Moreover, the certificates issued by each financial institution are different, and there are many types of customer certificates, which are at risk of loss and expiration. Customers need to travel to and from financial institution outlets for many times to handle business, and the efficiency of business handling is low.
针对上述问题，目前尚未提出有效的解决方案。For the above problems, no effective solution has been proposed yet.
发明内容SUMMARY OF THE INVENTION
本发明实施例提供了一种业务办理方法，用以实现不受金融机构凭证的限制，仅需用户携带有效身份证件即可在不同金融机构办理多种业务，降低用户凭证遗失或过期的风险，提高业务办理效率，该方法包括：The embodiment of the present invention provides a business handling method, which is not limited by the financial institution's certificate, and only needs the user to carry a valid identity certificate to handle a variety of businesses in different financial institutions, thereby reducing the risk of loss or expiration of the user's certificate. Improve business efficiency, the method includes:
在接收到用户的业务办理请求时，获取用户身份证件中的证件信息；所述证件信息包括：用户面部图像和证件标识；When receiving the user's business processing request, obtain the certificate information in the user's identity certificate; the certificate information includes: the user's face image and the certificate identifier;
接收拍摄的用户面部图像；将从身份证件中获取的用户面部图像与拍摄的用户面部图像进行比对处理，得到比对结果；Receive the photographed user's face image; compare the user's facial image obtained from the ID document with the photographed user's facial image, and obtain the comparison result;
在比对结果为一致时，在金融机构系统中查找与证件标识对应的用户唯一标识；When the comparison result is consistent, look up the user's unique identifier corresponding to the certificate identifier in the financial institution system;
在查找到用户唯一标识时，确定证件标识与用户唯一标识及对应的账户信息是否已经进行关联授权处理；When the user's unique identifier is found, determine whether the certificate identifier, the user's unique identifier and the corresponding account information have been associated and authorized;
在确定证件标识与用户唯一标识及对应的账户信息已经进行关联授权处理后，处理所述业务办理请求。After it is determined that the certificate identifier, the user's unique identifier and the corresponding account information have been associated and authorized, the business processing request is processed.
本发明实施例还提供了一种业务办理装置，用以实现不受金融机构凭证的限制，仅需用户携带有效身份证件即可在不同金融机构办理多种业务，降低用户凭证遗失或过期的风险，提高业务办理效率，该装置包括：The embodiment of the present invention also provides a business handling device, which is not restricted by the certificate of a financial institution, and only needs a user to carry a valid identity certificate to handle a variety of businesses in different financial institutions, reducing the risk of loss or expiration of the user certificate , to improve business handling efficiency, the device includes:
获取单元，用于在接收到用户的业务办理请求时，获取用户身份证件中的证件信息；所述证件信息包括：用户面部图像和证件标识；an obtaining unit, configured to obtain the certificate information in the user's identity certificate when receiving the user's business processing request; the certificate information includes: the user's face image and the certificate identifier;
人脸识别单元，用于接收拍摄的用户面部图像；将从身份证件中获取的用户面部图像与拍摄的用户面部图像进行比对处理，得到比对结果；a face recognition unit for receiving the photographed user facial image; the user facial image obtained from the identity document is compared with the photographed user facial image to obtain a comparison result;
查找单元，用于在比对结果为一致时，在金融机构系统中查找与证件标识对应的用户唯一标识；a search unit, used to search for the user's unique identifier corresponding to the certificate identifier in the financial institution system when the comparison result is consistent;
确定单元，用于在查找到用户唯一标识时，确定证件标识与用户唯一标识及对应的账户信息是否已经进行关联授权处理；a determining unit, configured to determine whether the certificate identifier, the user unique identifier and the corresponding account information have been associated with authorization processing when the user unique identifier is found;
处理单元，用于在确定证件标识与用户唯一标识及对应的账户信息已经进行关联授权处理后，处理所述业务办理请求。The processing unit is configured to process the service handling request after it is determined that the certificate identifier, the user unique identifier and the corresponding account information have been associated and authorized.
本发明实施例还提供了一种计算机设备，包括存储器、处理器及存储在存储器上并可在处理器上运行的计算机程序，所述处理器执行所述计算机程序时实现上述业务办理方法。An embodiment of the present invention also provides a computer device, including a memory, a processor, and a computer program stored in the memory and running on the processor, where the processor implements the above-mentioned business processing method when executing the computer program.
本发明实施例还提供了一种计算机可读存储介质，所述计算机可读存储介质存储有执行上述业务办理方法的计算机程序。An embodiment of the present invention further provides a computer-readable storage medium, where the computer-readable storage medium stores a computer program for executing the above business processing method.
本发明实施例提供的技术方案通过：在接收到用户的业务办理请求时，获取用户身份证件中的证件信息；该证件信息包括：用户面部图像和证件标识；接收拍摄的用户面部图像；将从身份证件中获取的用户面部图像与拍摄的用户面部图像进行比对处理，得到比对结果；在比对结果为一致时，在金融机构系统中查找与证件标识对应的用户唯一标识；在查找到用户唯一标识时，确定证件标识与用户唯一标识及对应的账户信息是否已经进行关联授权处理；在确定证件标识与用户唯一标识及对应的账户信息已经进行关联授权处理后，处理业务办理请求，实现了不受金融机构凭证的限制，仅需用户携带有效身份证件即可在不同金融机构办理多种业务，降低了用户凭证遗失或过期的风险，提高了业务办理效率。The technical solution provided by the embodiment of the present invention is through: when receiving a user's business processing request, obtain the certificate information in the user's identity certificate; the certificate information includes: the user's face image and the certificate identifier; receiving the photographed user's face image; The user's face image obtained in the identity document is compared with the photographed user's face image, and the comparison result is obtained; when the comparison result is consistent, the user's unique identification corresponding to the certificate identification is searched in the financial institution system; When the user is uniquely identified, determine whether the certificate identification and the user's unique identification and the corresponding account information have been associated with authorization processing; Not restricted by financial institution certificates, users only need to carry valid ID documents to handle various businesses in different financial institutions, which reduces the risk of losing or expired user certificates and improves the efficiency of business processing.
附图说明Description of drawings
为了更清楚地说明本发明实施例或现有技术中的技术方案，下面将对实施例或现有技术描述中所需要使用的附图作简单地介绍，显而易见地，下面描述中的附图仅仅是本发明的一些实施例，对于本领域普通技术人员来讲，在不付出创造性劳动的前提下，还可以根据这些附图获得其他的附图。In order to explain the embodiments of the present invention or the technical solutions in the prior art more clearly, the following briefly introduces the accompanying drawings that need to be used in the description of the embodiments or the prior art. Obviously, the accompanying drawings in the following description are only These are some embodiments of the present invention. For those of ordinary skill in the art, other drawings can also be obtained according to these drawings without creative efforts.
图1是本发明实施例中业务办理方法的流程示意图；1 is a schematic flowchart of a business handling method in an embodiment of the present invention;
图2是本发明实施例中业务办理的原理示意图；2 is a schematic diagram of the principle of business handling in an embodiment of the present invention;
图3是本发明另一实施例中业务办理方法的流程示意图；3 is a schematic flowchart of a business processing method in another embodiment of the present invention;
图4是本发明实施例中业务办理装置的结构示意图。FIG. 4 is a schematic structural diagram of a service management apparatus in an embodiment of the present invention.
具体实施方式Detailed ways
下面将结合本发明实施例中的附图，对本发明实施例中的技术方案进行清楚、完整地描述，显然，所描述的实施例仅是本发明一部分实施例，而不是全部的实施例。基于本发明中的实施例，本领域普通技术人员在没有做出创造性劳动前提下所获得的所有其他实施例，都属于本发明保护的范围。The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the accompanying drawings in the embodiments of the present invention. Obviously, the described embodiments are only a part of the embodiments of the present invention, but not all of the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by those of ordinary skill in the art without creative efforts shall fall within the protection scope of the present invention.
在介绍本发明实施例之前，对本发明实施例方案涉及的相关名词、技术进行介绍。Before introducing the embodiments of the present invention, related terms and technologies involved in the solutions of the embodiments of the present invention are introduced.
介质：存储有客户信息的、可用作金融机构例如银行业务办理使用的凭证，如借记卡、信用卡、存折等。Medium: A voucher that stores customer information and can be used by financial institutions such as bank transactions, such as debit cards, credit cards, passbooks, etc.
智能柜员机：在银行网点内由客户进行操作，银行业务专员辅助进行身份审核、业务核准，可以办理银行业务的终端机。Smart teller machine: a terminal that is operated by customers in bank outlets, and the bank business specialist assists in identity verification and business approval, and can handle banking business.
身份证件信息读取：采用国际上先进的TypeB非接触IC卡阅读技术，通过内嵌的专用身份证安全控制模块(SAM)，以无线传输方式与第二代居民身份证内的专用芯片进行安全认证后，将芯片内的个人信息资料读出，再通过计算机通讯接口，将此信息上传至计算机。ID card information reading: Using the internationally advanced TypeB non-contact IC card reading technology, through the built-in special ID card security control module (SAM), wireless transmission is carried out with the special chip in the second-generation resident ID card for security After authentication, read out the personal information in the chip, and upload this information to the computer through the computer communication interface.
人脸识别：基于人的脸部特征信息进行身份识别的一种生物识别技术。用摄像机或摄像头采集含有人脸的图像或视频流，并自动在图像中检测和跟踪人脸，进而对检测到的人脸进行脸部识别的一系列相关技术，通常也叫做人像识别、面部识别。包括：人脸图像采集及检测、人脸图像预处理、人脸图像特征提取以及匹配与识别。主要用于身份识别。Face Recognition: A biometric recognition technology based on human facial feature information for identification. A series of related technologies that use cameras or cameras to collect images or video streams containing faces, and automatically detect and track faces in the images, and then perform face recognition on the detected faces. . Including: face image acquisition and detection, face image preprocessing, face image feature extraction, and matching and recognition. Mainly used for identification.
发明人发现：通常，客户来金融机构例如银行网点时，需提供借记卡、信用卡、存折等银行配发的凭证作为介质来办理业务。但随着手机支付的发展和卡折种类的日益繁多，越来越多的人已习惯不随身携带各种卡折出门。The inventor found that: usually, when a customer comes to a financial institution such as a bank branch, he needs to provide a bank-issued certificate such as a debit card, a credit card, and a passbook as a medium to handle business. However, with the development of mobile payment and the increasing variety of card discounts, more and more people have become accustomed to not carrying all kinds of card discounts when they go out.
由于考虑到上述技术问题，发明人提出一种使用身份证件(如二代居民身份证、港澳台居民往来内地通行证、护照、军官证等)为介质，在银行智能柜员机等终端设备上办理业务的方案。该方案根据客户在智能柜员机使用的身份证件，审核证件的有效性，调取相关客户信息，完成人脸识别，判断是否可以进行相关业务的办理。下面对该业务办理方案进行详细介绍。Considering the above-mentioned technical problems, the inventor proposes a method of using identity documents (such as second-generation resident identity cards, Hong Kong, Macao and Taiwan residents' travel permits, passports, military officers' certificates, etc.) as the medium to conduct business on terminal equipment such as bank intelligent teller machines Program. According to the ID card used by the customer in the smart teller machine, the solution checks the validity of the certificate, retrieves the relevant customer information, completes the face recognition, and determines whether the relevant business can be processed. The following is a detailed introduction to the business solution.
图1是本发明实施例中业务办理方法的流程示意图，如图1所示，该方法包括如下步骤：FIG. 1 is a schematic flowchart of a business processing method in an embodiment of the present invention. As shown in FIG. 1 , the method includes the following steps:
步骤101：在接收到用户的业务办理请求时，获取用户身份证件中的证件信息；所述证件信息包括：用户面部图像和证件标识；Step 101: when receiving the user's business processing request, obtain the certificate information in the user's identity certificate; the certificate information includes: the user's face image and the certificate identifier;
步骤102：接收拍摄的用户面部图像；将从身份证件中获取的用户面部图像与拍摄的用户面部图像进行比对处理，得到比对结果；Step 102: Receive the photographed user facial image; compare the user facial image obtained from the identity document with the photographed user facial image, and obtain a comparison result;
步骤103：在比对结果为一致时，在金融机构系统中查找与证件标识对应的用户唯一标识；Step 103: when the comparison result is consistent, look up the unique user identifier corresponding to the certificate identifier in the financial institution system;
步骤104：在查找到用户唯一标识时，确定证件标识与用户唯一标识及对应的账户信息是否已经进行关联授权处理；Step 104: when the user unique identifier is found, determine whether the certificate identifier, the user unique identifier and the corresponding account information have been associated and authorized;
步骤105：在确定证件标识与用户唯一标识及对应的账户信息已经进行关联授权处理后，处理所述业务办理请求。Step 105: After it is determined that the certificate identifier, the user unique identifier and the corresponding account information have been associated and authorized, process the service processing request.
本发明实施例提供的业务办理方法实现了不受金融机构凭证的限制，仅需用户携带有效身份证件即可在不同金融机构办理多种业务，降低了用户凭证遗失或过期的风险，提高了业务办理效率。The business handling method provided by the embodiment of the present invention is not restricted by the financial institution's certificate, and users only need to carry valid ID certificates to handle various businesses in different financial institutions, which reduces the risk of losing or expired user certificates, and improves the business performance. Handling efficiency.
下面结合附图2至图3，对本发明实施例中业务办理方法涉及的各个步骤进行详细介绍。The steps involved in the service handling method in the embodiment of the present invention will be described in detail below with reference to FIGS. 2 to 3 .
如图2和图3所示，本发明实施例提供的业务办理方案主要分为四个部分，分别为：证件插入验证，身份证件审核，客户号(用户唯一标识)的查找与校验、以及签订“无介质支付”协议(以身份证件办理业务的协议)。下面对这个四个部分进行详细介绍。As shown in FIG. 2 and FIG. 3 , the service handling solution provided by the embodiment of the present invention is mainly divided into four parts, which are: certificate insertion verification, identity certificate verification, customer number (user unique identifier) search and verification, and Sign a "media-free payment" agreement (an agreement to handle business with identity documents). These four parts are described in detail below.
在一个实施例中，所述身份证件可以包括：二代居民身份证、港澳台居民往来内地通行证、护照、军官证其中之一。In one embodiment, the identity certificate may include one of: a second-generation resident identity card, a travel permit for Hong Kong, Macao and Taiwan residents to travel to and from the mainland, a passport, and a military officer's certificate.
一、证件插入与验证：即客户插入有效身份证件作为自动智能柜员机(还可以是其他类型的银行业务办理终端)识别的介质。1. Credential insertion and verification: that is, the customer inserts a valid ID document as the medium identified by the automatic intelligent teller machine (it can also be other types of banking service terminals).
具体实施时，读取用户身份证件中的证件信息，可以通过插入业务办理终端的卡槽内，从预先存储在身份证件(例如预置芯片)中获取证件信息；也可以通过放置在业务办理终端的识别卡台上进行读取身份证件的预置芯片中的证件信息；还可以通过获取身份证件的图像信息，然后利用如图3所示的OCR识别等方法，识别证件图像信息中的证件信息。During the specific implementation, to read the certificate information in the user's identity certificate, the certificate information can be obtained from the pre-stored identity certificate (such as a preset chip) by inserting it into the card slot of the service handling terminal; or by placing it in the service handling terminal The ID information in the preset chip of the ID document can be read on the identification card platform of the ID card; the ID information in the ID image information can also be identified by obtaining the image information of the ID card, and then using the OCR recognition method as shown in Figure 3. .
在一个实施例中，所述证件信息还可以包括：证件有效日期；所述业务办理方法还可以包括：根据所述证件有效日期，检测用户身份证件的有效性，得到检测结果；In one embodiment, the certificate information may further include: the valid date of the certificate; the business processing method may further include: detecting the validity of the user's identity certificate according to the valid date of the certificate, and obtaining a detection result;
接收拍摄的用户面部图像，可以包括：Receive the captured face image of the user, which can include:
在所述检测结果为有效时，给图像拍摄设备发送拍摄指令；When the detection result is valid, sending a photographing instruction to the image photographing device;
接收根据所述拍摄指令反馈的拍摄的用户面部图像。A photographed user face image fed back according to the photographing instruction is received.
具体实施时，在进行人脸识别过程之前，检测证件的有效性，进一步提高了业务办理的效率和安全性。In specific implementation, before the face recognition process, the validity of the certificate is detected, which further improves the efficiency and security of business processing.
具体实施时，证件的有效性检测可以包括如图3所示的检测证件有效日期是否晚于当前日期。During specific implementation, the validity detection of the certificate may include detecting whether the validity date of the certificate is later than the current date as shown in FIG. 3 .
具体实施时，该部分一的验证方案还可以包括：判断证件持有人是否是16周岁以上，如果不是，则拒绝办理业务请求，提高业务办理的效率和安全性。During specific implementation, the verification scheme of this part 1 may also include: judging whether the certificate holder is over 16 years old, and if not, rejecting the business request to improve the efficiency and security of business processing.
二、身份证件审核，通过客户提供证件的相关信息，配合人脸验证和人工审核确定证件的有效性和证件与持证人的合一性，提高业务办理的效率和安全性。2. Identity document review, through the relevant information of the document provided by the customer, with face verification and manual review to determine the validity of the certificate and the integration of the certificate and the holder, to improve the efficiency and security of business processing.
在一个实施例中，所述证件信息还可以包括：用户姓名；所述证件标识可以为证件号码；所述业务办理方法还可以包括：In one embodiment, the certificate information may further include: a user name; the certificate identifier may be a certificate number; the service processing method may further include:
根据所述证件信息，识别证件类型；Identify the type of certificate according to the certificate information;
根据业务办理请求，识别业务类型；Identify business types according to business processing requests;
根据所述用户姓名、证件号码、证件类型和业务类型，进行联网身份查询处理，得到联网身份查询结果；According to the user name, certificate number, certificate type and service type, carry out online identity query processing, and obtain the online identity query result;
接收拍摄的用户面部图像，可以包括：Receive the captured face image of the user, which can include:
在联网身份查询结果为通过时，给图像拍摄设备发送拍摄指令；When the result of the online identity query is passed, send a shooting instruction to the image shooting device;
接收根据所述拍摄指令反馈的拍摄的用户面部图像。A photographed user face image fed back according to the photographing instruction is received.
具体实施时，结合业务类型进行联网身份查询处理，在联网身份查询结果为通过时，进行后续人脸识别处理以及业务办理，提高业务办理的效率和安全性。During specific implementation, online identity query processing is performed in combination with the business type, and when the online identity query result is passed, subsequent face recognition processing and business processing are performed to improve the efficiency and security of business processing.
下面举个例子说明结合业务类型进行联网身份查询处理的方案，例如业务类型为大额贷款业务，通过用户姓名、证件号码、证件类型和业务类型，进行联网身份查询处理，得到的联网身份查询结果为：该用户信用度极低，出现过借款不还等恶劣情况，那么拒绝办理上述大额贷款业务。再例如，业务类型为存款，那么即便是联网查询得到的结果是上述用户存在信用度低的问题，也可以允许办理上述存款业务。The following is an example to illustrate the solution of online identity query processing combined with business types. For example, the business type is large-amount loan business, and the online identity query processing is performed through the user name, certificate number, certificate type and business type, and the obtained online identity query results are obtained. For: the user's credit rating is extremely low, and there have been bad situations such as non-repayment of the loan, then refuse to handle the above-mentioned large-amount loan business. For another example, if the business type is deposit, even if the result obtained from the online query is that the above-mentioned user has a problem of low credit, the above-mentioned deposit business can be allowed.
三、客户号的查找与校验，即上述步骤103至步骤104：通过有效身份证件信息查找对应客户号(用户唯一标识)，若有，则验证客户号与身份证件的匹配性(确定证件标识与用户唯一标识及对应的账户信息是否已经进行关联授权处理，即确定之前是否签订过可以通过身份证件办理业务的协议，是否有过这样的约定)，若无则提示是否开卡。3. Search and verification of the customer number, that is, the
四、签订“无介质支付”协议后可正常办理业务，即上述步骤105：在确定证件标识与用户唯一标识及对应的账户信息已经进行关联授权处理后，处理所述业务办理请求，即确定之前签订过可以通过身份证件办理业务的协议，有过这样的约定，则可以进行业务办理。4. The business can be processed normally after signing the "media-less payment" agreement, that is, the above step 105: After it is determined that the certificate identifier, the user's unique identifier and the corresponding account information have been associated with authorization processing, the business processing request is processed, that is, before the determination is made. If you have signed an agreement that you can handle business through identity documents, you can handle business if you have such an agreement.
在一个实施例中，上述业务办理方法还可以包括：In one embodiment, the above-mentioned business processing method may further include:
在确定证件标识与用户唯一标识对应的账户信息没有进行关联授权处理后，发出关联授权提示信息；After it is determined that the account information corresponding to the certificate identifier and the user's unique identifier has not undergone associated authorization processing, issue an associated authorization prompt message;
在接收到用户的关联授权确认信息并进行相应关联授权处理后，处理所述业务办理请求。After receiving the user's association authorization confirmation information and performing corresponding association authorization processing, the service processing request is processed.
具体实施时，客户首次使用身份证件在智能柜员机办理业务时，需要签订“无介质支付”协议(再次办理无需重复签订)，才可凭身份证件办理业务，以便于提高业务办理的效率和安全性。In the specific implementation, when customers use their ID documents for the first time to conduct business at the smart teller machine, they need to sign a "media-free payment" agreement (re-application does not need to be repeated) before they can conduct business with their ID documents, so as to improve the efficiency and security of business processing. .
为了便于理解，下面再结合附图3对本发明实施例涉及的方案进行整体介绍。For ease of understanding, the solutions involved in the embodiments of the present invention will be generally introduced below with reference to FIG. 3 .
首先，根据客户使用的身份证件，审核证件的有效性，对客户身份、证件类型等进行识别。First of all, according to the identity documents used by customers, verify the validity of the documents, and identify the customer's identity and document type.
接着，初步判断通过后，进入身份审核环节。需完成人脸识别，根据姓名、证件类型和证件号码等要素完成联网核查，还可以通过银行业务专员辅助完成现场身份审核，对提供客户信息资料核对，进一步提高业务办理的安全性。Then, after the preliminary judgment is passed, enter the identity verification link. It is necessary to complete face recognition, complete online verification according to factors such as name, certificate type and certificate number, and can also complete on-site identity verification through the assistance of banking specialists, and check the provided customer information to further improve the security of business processing.
然后，在银行系统内部查找与身份证件相符的客户信息(用户唯一标识及对应的账户信息)，确认客户是否可以继续办理业务。如尚未成为本行客户，提示客户进行开户业务办理。Then, look up the customer information (the user's unique identifier and the corresponding account information) that matches the identity document in the banking system, and confirm whether the customer can continue to handle the business. If you have not yet become a customer of the Bank, prompt the customer to handle the account opening business.
最后，客户首次使用身份证件在智能柜员机办理业务需要签订“无介质支付”协议(再次办理无需重复签订，该协议代表将证件标识与用户唯一标识及对应的账户信息进行关联授权处理，即后续可以通过身份证进行业务办理)，才可凭身份证件办理业务。Finally, the customer needs to sign a "media-free payment" agreement for the first time to use the ID card to conduct business at the smart teller machine (there is no need to repeat the signing for the second application. This agreement means that the ID of the certificate is associated with the user's unique ID and the corresponding account information. Business transactions through ID cards) can only be processed with ID cards.
本发明实施例提供的技术方案除了可以应用到银行业务办理，还可以应用到其他金融机构的业务办理。The technical solutions provided by the embodiments of the present invention can be applied not only to banking business processing, but also to business processing of other financial institutions.
综上，本发明实施例实现了只需客户携带有效身份证件，即可在不同银行办理多种业务，不受银行凭证的限制，降低客户遗失凭证或凭证过期的风险，提高业务办理的效率。To sum up, the embodiment of the present invention realizes that customers can handle various businesses in different banks only if they carry valid identity documents, without being restricted by bank certificates, reducing the risk of customers losing or expired certificates, and improving the efficiency of business processing.
基于同一发明构思，本发明实施例中还提供了一种业务办理装置，如下面的实施例所述。由于业务办理装置解决问题的原理与业务办理方法相似，因此…装置的实施可以参见业务办理方法的实施，重复之处不再赘述。以下所使用的，术语“单元”或者“模块”可以实现预定功能的软件和/或硬件的组合。尽管以下实施例所描述的装置较佳地以软件来实现，但是硬件，或者软件和硬件的组合的实现也是可能并被构想的。Based on the same inventive concept, an embodiment of the present invention further provides a service management apparatus, as described in the following embodiments. Since the principle of solving the problem by the service handling device is similar to that of the service handling method, the implementation of the device can refer to the implementation of the service handling method, and the repetition will not be repeated. As used below, the term "unit" or "module" may be a combination of software and/or hardware that implements a predetermined function. Although the apparatus described in the following embodiments is preferably implemented in software, implementations in hardware, or a combination of software and hardware, are also possible and contemplated.
图4是本发明实施例中业务办理装置的结构示意图，如图4所示，该装置包括：FIG. 4 is a schematic structural diagram of a service management device in an embodiment of the present invention. As shown in FIG. 4 , the device includes:
获取单元01，用于在接收到用户的业务办理请求时，获取用户身份证件中的证件信息；所述证件信息包括：用户面部图像和证件标识；The obtaining
人脸识别单元02，用于接收拍摄的用户面部图像；将从身份证件中获取的用户面部图像与拍摄的用户面部图像进行比对处理，得到比对结果；The
查找单元03，用于在比对结果为一致时，在金融机构系统中查找与证件标识对应的用户唯一标识；Searching
确定单元04，用于在查找到用户唯一标识时，确定证件标识与用户唯一标识及对应的账户信息是否已经进行关联授权处理；Determining
处理单元05，用于在确定证件标识与用户唯一标识及对应的账户信息已经进行关联授权处理后，处理所述业务办理请求。The
具体实施时，上述业务办理装置可以是银行智能柜员机，当然也可以是银行其它业务办理的终端。In specific implementation, the above-mentioned business processing device may be a bank intelligent teller machine, and of course it may also be a terminal for processing other business of the bank.
在一个实施例中，所述证件信息还可以包括：证件有效日期；所述业务办理装置还可以包括：检测单元，用于根据所述证件有效日期，检测用户身份证件的有效性，得到检测结果；In one embodiment, the certificate information may further include: the valid date of the certificate; the service handling device may further include: a detection unit, configured to detect the validity of the user's identity certificate according to the valid date of the certificate, and obtain a detection result ;
所述人脸识别单元具体可以用于：The face recognition unit can be specifically used for:
在所述检测结果为有效时，给图像拍摄设备发送拍摄指令；When the detection result is valid, sending a photographing instruction to the image photographing device;
接收根据所述拍摄指令反馈的拍摄的用户面部图像。A photographed user face image fed back according to the photographing instruction is received.
在一个实施例中，所述证件信息还可以包括：用户姓名；所述证件标识可以为证件号码；所述业务办理装置还可以包括：In one embodiment, the certificate information may further include: a user name; the certificate identifier may be a certificate number; the service handling device may further include:
证件类型识别单元，用于根据所述证件信息，识别证件类型；a certificate type identification unit, used for identifying the certificate type according to the certificate information;
业务类型识别单元，用于根据业务办理请求，识别业务类型；The business type identification unit is used to identify the business type according to the business processing request;
联网查询单元，用于根据所述用户姓名、证件号码、证件类型和业务类型，进行联网身份查询处理，得到联网身份查询结果；an online query unit, configured to perform online identity query processing according to the user's name, certificate number, certificate type and service type, and obtain online identity query results;
所述人脸识别单元具体可以用于：The face recognition unit can be specifically used for:
在联网身份查询结果为通过时，给图像拍摄设备发送拍摄指令；When the result of the online identity query is passed, send a shooting instruction to the image shooting device;
接收根据所述拍摄指令反馈的拍摄的用户面部图像。A photographed user face image fed back according to the photographing instruction is received.
在一个实施例中，上述业务办理装置还可以包括：In one embodiment, the above-mentioned service handling apparatus may further include:
提示单元，用于在确定证件标识与用户唯一标识对应的账户信息没有进行关联授权处理后，发出关联授权提示信息；a prompting unit, configured to issue an associated authorization prompt message after determining that the account information corresponding to the certificate identifier and the user's unique identifier has not undergone associated authorization processing;
授权及业务处理单元，用于在接收到用户的关联授权确认信息并进行相应关联授权处理后，处理所述业务办理请求。The authorization and business processing unit is configured to process the business processing request after receiving the associated authorization confirmation information of the user and performing corresponding associated authorization processing.
在一个实施例中，所述身份证件可以包括：二代居民身份证、港澳台居民往来内地通行证、护照、军官证其中之一。In one embodiment, the identity certificate may include one of: a second-generation resident identity card, a travel permit for Hong Kong, Macao and Taiwan residents to travel to and from the mainland, a passport, and a military officer's certificate.
本发明实施例还提供了一种计算机设备，包括存储器、处理器及存储在存储器上并可在处理器上运行的计算机程序，所述处理器执行所述计算机程序时实现上述业务办理方法。An embodiment of the present invention also provides a computer device, including a memory, a processor, and a computer program stored in the memory and running on the processor, where the processor implements the above-mentioned business processing method when executing the computer program.
本发明实施例还提供了一种计算机可读存储介质，所述计算机可读存储介质存储有执行上述业务办理方法的计算机程序。An embodiment of the present invention further provides a computer-readable storage medium, where the computer-readable storage medium stores a computer program for executing the above business processing method.
本发明实施例提供业务办理方案的有益技术效果是：仅使用身份证件即可办理金融机构例如银行业务，无需每次都携带银行卡，由于银行卡可能是在不同银行开的，且在同一银行可能开多张卡，身份证件具有唯一性，避免了因为忘带或带错导致多次往返的情况，可以为客户提供高的容错率和效率，同时还提高了业务办理的安全性。The beneficial technical effect of the business handling solution provided by the embodiment of the present invention is that: only the identity certificate can be used to handle financial institutions such as banking business, and there is no need to carry a bank card every time, because the bank card may be issued in different banks, and in the same bank It is possible to open multiple cards, and the ID card is unique, which avoids the situation of multiple round trips due to forgetting or bringing the wrong card, which can provide customers with high fault tolerance and efficiency, and also improve the security of business processing.
本领域内的技术人员应明白，本发明的实施例可提供为方法、系统、或计算机程序产品。因此，本发明可采用完全硬件实施例、完全软件实施例、或结合软件和硬件方面的实施例的形式。而且，本发明可采用在一个或多个其中包含有计算机可用程序代码的计算机可用存储介质(包括但不限于磁盘存储器、CD-ROM、光学存储器等)上实施的计算机程序产品的形式。As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment, or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, etc.) having computer-usable program code embodied therein.
本发明是参照根据本发明实施例的方法、设备(系统)、和计算机程序产品的流程图和/或方框图来描述的。应理解可由计算机程序指令实现流程图和/或方框图中的每一流程和/或方框、以及流程图和/或方框图中的流程和/或方框的结合。可提供这些计算机程序指令到通用计算机、专用计算机、嵌入式处理机或其他可编程数据处理设备的处理器以产生一个机器，使得通过计算机或其他可编程数据处理设备的处理器执行的指令产生用于实现在流程图一个流程或多个流程和/或方框图一个方框或多个方框中指定的功能的装置。The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block in the flowchart illustrations and/or block diagrams, and combinations of flows and/or blocks in the flowchart illustrations and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to the processor of a general purpose computer, special purpose computer, embedded processor or other programmable data processing device to produce a machine such that the instructions executed by the processor of the computer or other programmable data processing device produce Means for implementing the functions specified in a flow or flow of a flowchart and/or a block or blocks of a block diagram.
这些计算机程序指令也可存储在能引导计算机或其他可编程数据处理设备以特定方式工作的计算机可读存储器中，使得存储在该计算机可读存储器中的指令产生包括指令装置的制造品，该指令装置实现在流程图一个流程或多个流程和/或方框图一个方框或多个方框中指定的功能。These computer program instructions may also be stored in a computer-readable memory capable of directing a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory result in an article of manufacture comprising instruction means, the instructions The apparatus implements the functions specified in the flow or flow of the flowcharts and/or the block or blocks of the block diagrams.
这些计算机程序指令也可装载到计算机或其他可编程数据处理设备上，使得在计算机或其他可编程设备上执行一系列操作步骤以产生计算机实现的处理，从而在计算机或其他可编程设备上执行的指令提供用于实现在流程图一个流程或多个流程和/或方框图一个方框或多个方框中指定的功能的步骤。These computer program instructions can also be loaded on a computer or other programmable data processing device to cause a series of operational steps to be performed on the computer or other programmable device to produce a computer-implemented process such that The instructions provide steps for implementing the functions specified in the flow or blocks of the flowcharts and/or the block or blocks of the block diagrams.
以上所述仅为本发明的优选实施例而已，并不用于限制本发明，对于本领域的技术人员来说，本发明实施例可以有各种更改和变化。凡在本发明的精神和原则之内，所作的任何修改、等同替换、改进等，均应包含在本发明的保护范围之内。The above descriptions are only preferred embodiments of the present invention, and are not intended to limit the present invention. For those skilled in the art, various modifications and changes may be made to the embodiments of the present invention. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present invention shall be included within the protection scope of the present invention.
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| CN115514915A (en)* | 2022-09-28 | 2022-12-23 | 数字广东网络建设有限公司 | Electronic certificate submission method, device, equipment and medium for remote business processing |
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