CN110874579A - Business execution method and device based on handwriting verification - Google Patents
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Abstract
The invention discloses a method and a device for executing a service based on handwriting verification, wherein the method comprises the following steps: detecting a service operation instruction for executing preset service operation; outputting service risk information for executing preset service operation according to the service operation instruction; receiving handwritten content input by an external user according to business risk information; and identifying the content of the handwriting, and determining whether to execute a service operation instruction according to an identification result. The method and the device determine whether to execute the risk business operation or not by handwriting recognition of the user, and can determine whether the user currently executing the risk business operation is the user himself or not and whether the user currently executing the risk business operation reads the risk information for executing the risk business operation or not, so that the business operation or management risk caused by improper risk prompt is avoided.
Description
Technical Field
The invention relates to the field of internet, in particular to a service execution method and device based on handwriting verification.
Background
This section is intended to provide a background or context to the embodiments of the invention that are recited in the claims. The description herein is not admitted to be prior art by inclusion in this section.
With the rapid development of the internet technology, more and more services can be transacted on the internet, and the convenience of transacting services by users is greatly improved. However, there are many security issues associated with transacting business online, such as how to confirm whether the user currently transacting business is the user himself or herself, or how to confirm that the user has learned the associated risks or concerns for some risk-type businesses.
Taking bank financing business as an example, at present, mobile phone banks are released by various large banking institutions, so that users can conveniently purchase various financing products through mobile phone bank clients. Since the financial transaction is a risky transaction, it is necessary to confirm that the user has fully understood the risk of purchasing the financial transaction before purchasing the financial transaction. Therefore, in the financial transaction process, it is necessary to prompt the user with the corresponding financial risk information, and require the user to manually copy a section of formatted text read from the financial risk information once, and add his own handwritten signature.
In the traditional off-line business handling process, a user who handles the business can manually copy formatted characters of read risk information and add a handwritten signature. In the existing online business handling process, the problem of risk exists in business handling due to lack of prompt confirmation operation for business handling risk.
Disclosure of Invention
The embodiment of the invention provides a service execution method based on handwriting verification, which is used for solving the technical problem that the service handling has risks due to lack of prompt confirmation operation for the service handling risks in the existing online service handling process, and comprises the following steps: detecting a service operation instruction for executing preset service operation; outputting service risk information for executing preset service operation according to the service operation instruction; receiving handwritten content input by an external user according to business risk information; and identifying the content of the handwriting, and determining whether to execute a service operation instruction according to an identification result.
The embodiment of the invention also provides a handwriting verification-based service execution device, which is used for solving the technical problem that the service handling has risks due to lack of prompt confirmation operation for the service handling risks in the existing online service handling process, and comprises the following steps: a service operation instruction detection unit, configured to detect a service operation instruction for executing a preset service operation; the business risk information output unit is used for outputting the business risk information for executing the preset business operation according to the business operation instruction; the handwriting content receiving unit is used for receiving handwriting content input by an external user according to the business risk information; and the handwriting content identification unit is used for identifying the handwriting content and determining whether to execute the service operation instruction according to the identification result.
The embodiment of the invention also provides computer equipment for solving the technical problem that the risk exists in business handling due to lack of prompt confirmation operation for the business handling risk in the existing online business handling process.
The embodiment of the invention also provides a computer readable storage medium, which is used for solving the technical problem that the risk exists in business handling due to lack of prompt confirmation operation for business handling risk in the existing online business handling process.
In the embodiment of the invention, for the business operation with risk, after the business operation instruction for executing the business operation is detected, the business risk information for executing the business operation is output, and whether the business operation instruction is executed or not is determined according to the handwritten content input by an external user based on the business risk information. The embodiment of the invention determines whether to execute the risk business operation or not by handwriting recognition of the user, and can confirm whether the user currently executing the risk business operation is the user himself or not and whether the user currently executing the risk business operation reads the risk information for executing the risk business operation or not, thereby avoiding the business operation or management risk caused by improper risk prompt.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts. In the drawings:
fig. 1 is a flowchart of a service execution method based on handwriting verification according to an embodiment of the present invention;
FIG. 2 is a schematic diagram of a detailed interface of a financial product provided in an embodiment of the present invention;
FIG. 3 is a schematic view of an operation interface for purchasing a financial product according to an embodiment of the present invention;
fig. 4 is a schematic diagram of an interface for inputting copied contents in a handwritten manner in an asset risk prompt page according to an embodiment of the present invention;
FIG. 5 is a schematic diagram of an interface for inputting a user signature by handwriting on an asset risk prompt page according to an embodiment of the present invention;
fig. 6 is a schematic diagram of a service execution apparatus based on handwriting verification according to an embodiment of the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the embodiments of the present invention more apparent, the embodiments of the present invention are further described in detail below with reference to the accompanying drawings. The exemplary embodiments and descriptions of the present invention are provided to explain the present invention, but not to limit the present invention.
In the description of the present specification, the terms "comprising," "including," "having," "containing," and the like are used in an open-ended fashion, i.e., to mean including, but not limited to. Reference to the description of the terms "one embodiment," "a particular embodiment," "some embodiments," "for example," etc., means that a particular feature, structure, or characteristic described in connection with the embodiment or example is included in at least one embodiment or example of the application. In this specification, the schematic representations of the terms used above do not necessarily refer to the same embodiment or example. Furthermore, the particular features, structures, or characteristics described may be combined in any suitable manner in any one or more embodiments or examples. The sequence of steps involved in the embodiments is for illustrative purposes to illustrate the implementation of the present application, and the sequence of steps is not limited and can be adjusted as needed.
Fig. 1 is a flowchart of a service execution method based on handwriting verification according to an embodiment of the present invention, and as shown in fig. 1, the method may include the following steps:
s101, detecting a service operation instruction for executing preset service operation.
It should be noted that the service execution method based on handwriting verification provided by the embodiment of the present invention may be applied to, but is not limited to, execution of financial services, and then the preset service operation may be, but is not limited to, a purchase operation of a financial product; as an alternative embodiment, the present invention is described by taking the example of purchasing financial products by mobile banking as an example.
When a user logs in a mobile phone bank, enters a financial product system, selects a financial product and can enter an interface shown in fig. 2, as shown in fig. 2, the user clicks a 'purchase' control to enter a purchase business execution flow of the financial product. Fig. 3 shows the operation interface for purchasing the financial product, and as shown in fig. 3, the user can fill in relevant information required by the financial product through the interface, determine a transaction account, input a purchase amount, look up a description of a relevant document, and select an option of perusing the relevant document.
And S102, outputting the service risk information for executing the preset service operation according to the service operation instruction.
It should be noted that the business risk information in S102 may be risk information that may be caused by prompting the user to execute a preset business operation; after a business operation instruction for executing a preset business operation is detected through S101, business risk information for executing the preset business operation is output through S102. And when the preset business operation is the purchasing operation of the financial product, prompting the user to execute the risk information possibly caused by purchasing the financial product.
And S103, receiving the handwritten content input by the external user according to the business risk information.
It should be noted that the handwritten content in S103 may be a handwritten copy content of the business risk information, or may be a handwritten user signature; after the service risk information of the user performing the preset service operation is output through S102, the handwritten transcription content or the handwritten user signature input by the external user according to the service risk information is received through S103, so that it can be determined whether the user currently performing the preset service operation sufficiently reads the service risk information according to the handwritten content input by the external user, or whether the user currently performing the preset service operation is the user himself or herself according to the handwritten content input by the external user.
And S104, recognizing the contents of the handwriting, and determining whether to execute a business operation instruction according to the recognition result.
As an optional implementation manner, when the handwritten content is a handwritten content of business risk information, the step S104 may specifically include the following steps: identifying the hand-written content to obtain character information corresponding to the hand-written content; verifying whether the character information corresponding to the handwritten content is consistent with the business risk information; if the character information corresponding to the handwritten content is consistent with the business risk information, executing a business operation instruction; and if the character information corresponding to the hand-written transcription content is inconsistent with the business risk information, the business operation instruction is not executed.
For example, fig. 4 is an interface schematic diagram of inputting copy contents in a handwritten manner in an asset risk prompt page according to an embodiment of the present invention, as shown in fig. 4, after a user records risk prompt information once in a handwritten body region, the handwritten copy contents can be displayed back in a playback region, for example, after the user inputs "person" by handwriting, a person is automatically displayed back in the page, so as to ensure the correctness of the handwritten input of the user.
As another optional implementation manner, when the handwritten content is a signature of a handwritten user, the step S104 may specifically include the following steps: sending the image of the signature of the handwriting user to an optical character recognition platform, wherein the optical character recognition platform recognizes the image of the signature of the handwriting user based on a pre-stored signature image (or signature image); receiving a recognition result returned by the optical character recognition platform; if the image of the signature of the handwriting user is consistent with the pre-stored signature image (or signature image), executing a service operation instruction; and if the image of the signature of the handwritten user is inconsistent with the pre-stored signature image, the service operation instruction is not executed.
For example, fig. 5 is an interface schematic diagram of inputting a user signature in a handwritten manner in an asset risk prompt page according to an embodiment of the present invention, and as shown in fig. 5, after a user inputs a signature "zhang san" by handwriting, a system may transmit a signature image of zhang san "to an optical character recognition platform (i.e., an OCR platform), and recognize whether the signature image of zhang san" is consistent with a signature image pre-stored by the platform through the optical character recognition platform.
Preferably, when the image of the signature of the handwritten user is sent to the optical character recognition platform, the image of the signature of the handwritten user and the user identification information can be combined into a data packet and transmitted to the optical character recognition platform, the optical character recognition platform obtains the user identification information by analyzing the data packet, then inquires the signature image reserved by the user based on the analyzed user identification information, and recognizes whether the image of the signature of the handwritten user is consistent with the pre-stored signature image, if so, executing a service operation instruction; and if not, not executing the service operation instruction.
It should be noted that in the embodiment of the present invention, the two verification processes for the handwritten transcription content and the signature of the handwritten user may be separately executed, or the verification of the signature of the handwritten user may be executed after the handwritten transcription content is verified, so as to ensure that the handwritten transcription content input by the user is the personal operation, and further improve the accuracy of the prompt confirmation of the business risk information.
In addition, it should be noted that, in the embodiment of the present invention, two verification processes for the handwritten copy content and the signature of the handwritten user may be set to be executed locally at the client, or may be set to be executed at the background server, preferably, in the embodiment of the present invention, the verification process for the handwritten copy content is executed locally at the client, which can reduce the network transmission bandwidth, improve the recognition speed, and enhance the user experience; the verification process of the handwritten user signature is executed in the background server, namely, the signature image reserved by the user is stored in the background server, so that data can be prevented from being tampered, and the safety of service verification is improved.
As can be seen from the above, in the service execution method based on handwriting verification provided in the embodiment of the present invention, for a service operation with a risk, after a service operation instruction for executing the service operation is detected, service risk information for executing the service operation is output, and whether to execute the service operation instruction is determined according to the handwriting content input by an external user based on the service risk information. The method for executing the business based on the handwriting verification determines whether to execute the risky business operation or not by handwriting recognition of the user, can determine whether the user currently executing the risky business operation is the user himself or not, and whether the user currently executing the risky business operation reads risk information for executing the risky business operation or not, and therefore avoids business operation or management risk caused by improper risk prompt.
Based on any optional or preferred embodiment, as an optional implementation manner, the service execution method based on handwriting verification provided in the embodiment of the present invention may further include the following steps: if the business operation instruction is executed, outputting an execution result of the business operation instruction; and if the service operation instruction is not executed, outputting exception prompt information, wherein the exception prompt information is used for prompting that the recognition result of the handwriting content is abnormal.
The handwriting verification-based business execution method provided by the embodiment of the invention can be applied to equipment such as but not limited to mobile terminals, intelligent counters, mobile banks and the like.
The embodiment of the invention also provides a service execution device based on handwriting verification, and the following embodiments are provided. Because the principle of the device embodiment for solving the problem is similar to the method for executing the service based on handwriting verification, the method can be used for implementing the device embodiment, and repeated parts are not described again.
Fig. 6 is a schematic diagram of a service execution device based on handwriting verification according to an embodiment of the present invention, and as shown in fig. 6, the device may include: a business operation instruction detection unit 61, a business risk information output unit 62, a handwritten content reception unit 63, and a handwritten content recognition unit 64.
The service operation instruction detection unit 61 is configured to detect a service operation instruction for executing a preset service operation; a service risk information output unit 62, configured to output service risk information for executing a preset service operation according to the service operation instruction; a handwriting content receiving unit 63, configured to receive handwriting content input by an external user according to the business risk information; and a handwriting content recognition unit 64, configured to recognize the handwriting content, and determine whether to execute the service operation instruction according to the recognition result.
As can be seen from the above, the service execution device based on handwriting verification provided in the embodiment of the present invention detects, for the service operation with risk, whether a service operation instruction for executing the risk service operation is received through the service operation instruction detection unit 61; the business risk information existing in executing the risk business operation is output through the business risk information output unit 62, the handwritten content input by the external user according to the business risk information is received through the handwritten content receiving unit 63, and the handwritten content input by the external user is recognized through the handwritten content recognition unit 64, so as to determine whether to execute the business operation instruction. The handwriting verification-based service execution device provided by the embodiment of the invention can determine whether to execute the risky service operation or not by handwriting recognition of the user, can confirm whether the user currently executing the risky service operation is the user himself or herself and whether the user currently executing the risky service operation reads risk information for executing the risky service operation or not, and therefore, the service operation or management risk caused by improper risk prompt is avoided.
In an alternative embodiment, in the case where the handwritten content received by the handwritten content receiving unit 63 is a handwritten copy of business risk information; the handwritten content recognition unit 64 may specifically include: the handwritten copy content identification module 641 is configured to identify the handwritten copy content to obtain text information corresponding to the handwritten copy content; the handwritten copy content verification module 642 is configured to verify whether text information corresponding to the handwritten copy content is consistent with the business risk information; a first executing module 643, configured to execute a service operation instruction if text information corresponding to the handwritten content is consistent with the service risk information; and a second executing module 644, configured to not execute the service operation instruction if the text information corresponding to the handwritten content is inconsistent with the service risk information.
In an alternative embodiment, in the case where the handwritten content received by the handwritten content receiving unit 63 is a signature of a handwritten user; the handwritten content recognition unit 64 may specifically include: a signature sending module 645, configured to send an image of a signature of the handwritten user to the optical character recognition platform, where the optical character recognition platform recognizes the image of the signature of the handwritten user based on a pre-stored signature image; a signature recognition result receiving module 646, configured to receive a recognition result returned by the optical character recognition platform; a third executing module 647, configured to execute a service operation instruction if the image of the handwritten user signature is consistent with a pre-stored signature image; and a fourth executing module 648, configured to not execute the service operation instruction if the image of the handwritten user signature is inconsistent with the pre-stored signature image.
Based on any optional or preferred embodiment, as an optional embodiment, the service execution apparatus based on handwriting verification provided in the embodiment of the present invention may further include: the business operation instruction execution unit is used for outputting an execution result of the business operation instruction if the business operation instruction is executed; and the abnormal prompt information output unit is used for outputting abnormal prompt information if the service operation instruction is not executed, wherein the abnormal prompt information is used for prompting that the recognition result of the handwriting content is abnormal.
The embodiment of the invention also provides computer equipment for solving the technical problem that the risk exists in business handling due to lack of prompt confirmation operation for the business handling risk in the existing online business handling process.
The embodiment of the invention also provides a computer readable storage medium, which is used for solving the technical problem that the risk exists in business handling due to lack of prompt confirmation operation for business handling risk in the existing online business handling process.
To sum up, the embodiment of the present invention provides a business execution scheme based on handwriting verification, which can be applied to, but not limited to, financial businesses with risk cues. The embodiment of the invention is based on handwriting recognition technology and handwriting identification technology, and identifies risk prompt information and signature images of clients in the business handling process, determines the compliance of the business handling process of the clients and the authenticity of the business handling of the clients, and prevents the occurrence of risk items of the business handling.
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, and the like) having computer-usable program code embodied therein.
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 of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
The above-mentioned embodiments are intended to illustrate the objects, technical solutions and advantages of the present invention in further detail, and it should be understood that the above-mentioned embodiments are only exemplary embodiments of the present invention, and are not intended to limit the scope of the present invention, and any modifications, equivalent substitutions, improvements and the like made within the spirit and principle of the present invention should be included in the scope of the present invention.
Claims (10)
1. A method for executing a service based on handwriting verification is characterized by comprising the following steps:
detecting a service operation instruction for executing preset service operation;
outputting service risk information for executing the preset service operation according to the service operation instruction;
receiving handwritten content input by an external user according to the business risk information;
and identifying the handwriting content, and determining whether to execute the service operation instruction according to an identification result.
2. The method of claim 1, wherein the handwritten content is a handwritten transcript of the business risk information; wherein, recognizing the handwriting content and determining whether to execute the service operation instruction according to the recognition result comprises:
identifying the hand-written content to obtain character information corresponding to the hand-written content;
verifying whether the character information corresponding to the hand-written transcription content is consistent with the business risk information;
if the character information corresponding to the hand-written transcription content is consistent with the business risk information, executing the business operation instruction;
and if the character information corresponding to the hand-written transcription content is inconsistent with the business risk information, the business operation instruction is not executed.
3. The method of claim 1, wherein the handwritten content is a handwritten user signature; wherein, recognizing the handwriting content and determining whether to execute the service operation instruction according to the recognition result comprises:
sending the image signed by the handwritten user to an optical character recognition platform, wherein the optical character recognition platform recognizes the image signed by the handwritten user based on a pre-stored signature image;
receiving a recognition result returned by the optical character recognition platform;
if the image of the signature of the handwriting user is consistent with the pre-stored signature image, executing the service operation instruction;
and if the image of the signature of the handwriting user is inconsistent with the pre-stored signature image, the service operation instruction is not executed.
4. The method of any of claims 1 to 3, wherein after identifying the handwritten content and determining whether to execute the business operations instructions based on the identification, the method further comprises:
if the business operation instruction is executed, outputting an execution result of the business operation instruction;
and if the service operation instruction is not executed, outputting exception prompt information, wherein the exception prompt information is used for prompting that the recognition result of the handwriting content is abnormal.
5. A transaction execution device based on handwriting verification, comprising:
a service operation instruction detection unit, configured to detect a service operation instruction for executing a preset service operation;
a service risk information output unit, configured to output service risk information for executing the preset service operation according to the service operation instruction;
the handwritten content receiving unit is used for receiving handwritten content input by an external user according to the business risk information;
and the handwriting content identification unit is used for identifying the handwriting content and determining whether to execute the service operation instruction according to an identification result.
6. The apparatus of claim 5, wherein the handwritten content is a handwritten transcript of the business risk information; wherein the handwriting content recognition unit includes:
the handwritten copy content identification module is used for identifying the handwritten copy content to obtain character information corresponding to the handwritten copy content;
the handwritten copy content verification module is used for verifying whether the character information corresponding to the handwritten copy content is consistent with the business risk information or not;
the first execution module is used for executing the business operation instruction if the character information corresponding to the hand-written transcription content is consistent with the business risk information;
and the second execution module is used for not executing the service operation instruction if the character information corresponding to the hand-written transcription content is inconsistent with the service risk information.
7. The apparatus of claim 5, wherein the handwritten content is a handwritten user signature; wherein the handwriting content recognition unit includes:
the signature sending module is used for sending the image signed by the handwritten user to an optical character recognition platform, wherein the optical character recognition platform recognizes the image signed by the handwritten user based on a pre-stored signature image;
the signature recognition result receiving module is used for receiving a recognition result returned by the optical character recognition platform;
the third execution module is used for executing the service operation instruction if the image of the signature of the handwritten user is consistent with a pre-stored signature image;
and the fourth execution module is used for not executing the service operation instruction if the image of the signature of the handwriting user is inconsistent with the pre-stored signature image.
8. The apparatus of any of claims 5 to 7, further comprising:
a service operation instruction execution unit, configured to output an execution result of the service operation instruction if the service operation instruction is executed;
and the abnormal prompt information output unit is used for outputting abnormal prompt information if the service operation instruction is not executed, wherein the abnormal prompt information is used for prompting that the recognition result of the handwriting content is abnormal.
9. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the handwriting verification-based transaction execution method of any one of claims 1 to 4 when executing the computer program.
10. A computer-readable storage medium, characterized in that the computer-readable storage medium stores a computer program for executing the handwriting verification-based service execution method of any one of claims 1 to 4.
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Application publication date: 20200310 |