CN113643122A - Self-service business handling system and method based on intelligent counter - Google Patents
Self-service business handling system and method based on intelligent counter Download PDFInfo
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Abstract
The invention provides a self-service business handling system and a method based on an intelligent counter, relating to the technical field of intelligent services, wherein the system comprises: the language switching module is used for switching the operating interface language of the intelligent counter according to a multi-language switching instruction input by a client; the certificate identification module is used for reading and identifying the certificate inserted by the client to obtain certificate information; the client state checking module is used for identifying the client state according to the certificate information to obtain a client state result; the client identity recognition module is used for acquiring a scene photo of a client and comparing the scene photo with the photo in the certificate information to obtain a comparison result; and the service processing module is used for acquiring service handling data input by the client through an operation interface of the intelligent counter when the client state result is normal and the comparison result is self handling, sending the service handling data to a background for service processing, and displaying the processing result on the intelligent counter.
Description
Technical Field
The invention relates to the technical field of intelligent services, in particular to a self-service business handling system and a self-service business handling method based on an intelligent counter.
Background
With increasingly frequent international communication, more and more foreign people travel and work in China. In this regard, when a person in the bank registers a foreign person to handle the business, the bank network is usually provided with face-to-face services by a person with better foreign language capability. However, not all network operators have foreign language capabilities and have different levels, so that the network operators cannot guarantee the provision of high-quality services, and customer complaints are easily caused by difficult business handling due to communication faults.
Therefore, a technical scheme which can overcome the above defects and can conveniently and rapidly satisfy the requirement of foreign people for handling services is needed.
Disclosure of Invention
In order to solve the problems in the prior art, the invention provides a self-service business handling system and a self-service business handling method based on an intelligent counter. The foreign-nationality people are guided to handle the business in the intelligent counter, the communication cost is reduced, the business handling efficiency is improved, and the customer experience degree is improved.
In a first aspect of an embodiment of the present invention, a self-service transaction system based on an intelligent counter is provided, where the system includes:
the language switching module is used for switching the operating interface language of the intelligent counter according to a multi-language switching instruction input by a client;
the certificate identification module is used for reading and identifying the certificate inserted by the client to obtain certificate information;
the client state checking module is used for identifying the client state according to the certificate information to obtain a client state result;
the client identity recognition module is used for acquiring a scene photo of a client and comparing the scene photo with the photo in the certificate information to obtain a comparison result;
and the service processing module is used for acquiring service handling data input by the client through an operation interface of the intelligent counter when the client state result is normal and the comparison result is self handling, sending the service handling data to a background for service processing, and displaying the processing result on the intelligent counter.
Further, the system further comprises:
and the manual auditing module is used for scanning and supplementing certificate information, verifying the client state or verifying whether the certificate information is handled by the user or not by manual intervention when the certificate information is missing, the client state result is abnormal or the comparison result is not handled by the user.
Further, the system further comprises:
and the report module is used for recording certificate information, client state results, on-site photos, comparison results, service handling data and processing results related to the client in a database.
Further, the language switching module is further configured to automatically change the operation interface language according to the nationality in the certificate information.
Further, the certificate recognition module includes: the certificate recognition system comprises a chip reading unit, a certificate scanning unit, an OCR recognition unit and a recognition and verification unit; wherein the content of the first and second substances,
the chip reading unit is used for reading chip information to obtain certificate information when a chip is arranged in the certificate;
the certificate scanning unit is used for scanning the certificate and calling the OCR recognition unit to recognize and obtain certificate information;
and the identification and verification unit is used for verifying the information of the client certificate according to the certificate information, and automatically identifying whether information is missing or not, whether the certificate is overdue or not, and whether the certificate is an intelligent counter capable of accepting nationality or not.
Further, the client status checking module is specifically configured to:
and judging whether the certificate is a customer of the current bank, whether the certificate hits a blacklist and a grey list of the current bank, whether the certificate is a case-related account or not, whether the certificate is a punishment customer or not, and whether the certificate is in a customer state including a person of a seriously distrusted enterprise or not according to the certificate information.
Further, the customer identification module is specifically configured to:
and calling a binocular camera to judge the infrared living body and shoot a scene photo when a client transacts business, and performing face recognition with the photo in the certificate information to obtain a face recognition result.
Furthermore, the binocular camera adopts a common camera and an infrared camera.
Further, the system further comprises:
and the client information management module is used for judging whether the certificate information is consistent with the background system or not when the client state result is normal and the comparison result is self-transacted, and automatically updating the new certificate information to the background system if the certificate information is inconsistent with the background system.
In a second aspect of the embodiments of the present invention, a self-service business handling method based on an intelligent counter is provided, the method including:
switching the operating interface language of the intelligent counter according to a multi-language switching instruction input by a client;
reading and identifying the certificate inserted by the client to obtain certificate information;
identifying the client state according to the certificate information to obtain a client state result;
collecting a scene photo of a client, and comparing the scene photo with the photo in the certificate information to obtain a comparison result;
and when the client state result is normal and the comparison result is self-transacted, acquiring service transaction data input by the client through an operation interface of the intelligent counter, sending the service transaction data to a background for service processing, and displaying the processing result on the intelligent counter.
Further, the method further comprises:
when the certificate information is missing, the client state result is abnormal, or the comparison result is that the user does not transact the certificate, the certificate information is scanned and complemented by manual intervention, the client state is verified, or whether the user transacts the certificate or not is verified.
Further, the method further comprises:
and recording certificate information, client state results, on-site photos, comparison results, service transaction data and processing results related to the client in a database.
Further, the method further comprises:
and automatically changing the language of the operation interface according to the nationality in the certificate information.
Further, reading and identifying the certificate inserted by the client to obtain certificate information, comprising:
when a chip is arranged in the certificate, reading chip information to obtain certificate information;
scanning the certificate, and identifying by using an OCR (optical character recognition) technology to obtain certificate information;
and checking the information of the client certificate according to the certificate information, and automatically identifying whether the information is missing or not, whether the certificate is overdue or not, and whether the certificate is an acceptable nationality of the intelligent counter or not.
Further, identifying the client state according to the certificate information to obtain a client state result, comprising:
and judging whether the certificate is a customer of the current bank, whether the certificate hits a blacklist and a grey list of the current bank, whether the certificate is a case-related account or not, whether the certificate is a punishment customer or not, and whether the certificate is in a customer state including a person of a seriously distrusted enterprise or not according to the certificate information.
Further, the method collects a live photo of a customer, and compares the live photo with the photo in the certificate information to obtain a comparison result, and comprises the following steps:
and calling a binocular camera to judge the infrared living body and shoot a scene photo when a client transacts business, and performing face recognition with the photo in the certificate information to obtain a face recognition result.
Further, the method further comprises:
and when the client state result is normal and the comparison result is that the user transacts the certificate, judging whether the certificate information is consistent with the background system, and if not, automatically updating the new certificate information to the background system.
In a third aspect of the embodiments of the present invention, a computer device is provided, which includes a memory, a processor, and a computer program stored in the memory and executable on the processor, where the processor implements a self-service transaction method based on an intelligent counter when executing the computer program.
In a fourth aspect of the embodiments of the present invention, a computer-readable storage medium is provided, in which a computer program is stored, and the computer program, when executed by a processor, implements an intelligent counter-based self-service transaction method.
The self-service business handling system and the method based on the intelligent counter can provide great convenience for foreign people to handle business in banks, solve communication obstacles, reduce business handling time, improve efficiency, increase client stickiness, reduce burden on bank outlets, reduce configuration of foreign language proficient personnel, and reduce communication cost.
Drawings
In order to more clearly illustrate the technical solutions of the embodiments of the present application, the drawings needed to be used in the description of the embodiments are briefly introduced below, and it is obvious that the drawings in the following description are some embodiments of the present application, and it is obvious for those skilled in the art to obtain other drawings based on these drawings without creative efforts.
Fig. 1 is a schematic diagram of an architecture of a self-service transaction system based on an intelligent counter according to an embodiment of the present invention.
Fig. 2 is a schematic diagram of an architecture of a self-service transaction system based on an intelligent counter according to an embodiment of the present invention.
FIG. 3 is a block diagram of a certificate identification module according to an embodiment of the present invention.
Fig. 4 is a flow chart of a self-service business handling method based on an intelligent counter according to an embodiment of the invention.
Fig. 5 is a flowchart illustrating a self-service transaction method based on an intelligent counter according to a first embodiment of the present invention.
Fig. 6 is a flowchart illustrating a self-service transaction method based on an intelligent counter according to a second embodiment of the present invention.
Fig. 7 is a flowchart illustrating a self-service transaction method based on an intelligent counter according to a third embodiment of the present invention.
FIG. 8 is a detailed flow diagram of credential read identification in accordance with one embodiment of the present invention.
Fig. 9 is a schematic flow chart of a self-service business handling method based on an intelligent counter according to a fourth embodiment of the present invention.
Fig. 10 is a schematic structural diagram of a computer device according to an embodiment of the present invention.
Detailed Description
The principles and spirit of the present invention will be described with reference to a number of exemplary embodiments. It is understood that these embodiments are given solely for the purpose of enabling those skilled in the art to better understand and to practice the invention, and are not intended to limit the scope of the invention in any way. Rather, these embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the scope of the disclosure to those skilled in the art.
As will be appreciated by one skilled in the art, embodiments of the present invention may be embodied as a system, apparatus, device, method, or computer program product. Accordingly, the present disclosure may be embodied in the form of: entirely hardware, entirely software (including firmware, resident software, micro-code, etc.), or a combination of hardware and software.
According to the embodiment of the invention, a self-service business handling system and a self-service business handling method based on an intelligent counter are provided, and the system and the method relate to the technical field of intelligent services.
In the embodiments of the present invention, terms to be described include:
OCR recognition technology: it is a process of scanning and shooting characters printed on paper by electronic equipment (scanner or digital camera), determining their shapes by detecting dark and light modes, and then translating the shapes into computer characters by character recognition method.
The face recognition technology comprises the following steps: the face recognition technology is based on the face features of people, firstly, whether a face exists in an input face image or video stream is judged, if the face exists, the position and size of the face and the position information of main facial organs are further given, the biological features contained in the face are further extracted according to the information, and the biological features are compared with the known face, so that the biological individual is recognized.
The principles and spirit of the present invention are explained in detail below with reference to several representative embodiments of the invention.
Fig. 1 is a schematic diagram of an architecture of a self-service transaction system based on an intelligent counter according to an embodiment of the present invention. As shown in fig. 1, the system includes:
the language switching module 110 is used for switching the operating interface language of the intelligent counter according to a multi-language switching instruction input by a client;
the certificate identification module 120 is used for reading and identifying certificates inserted by a client to obtain certificate information;
the client state checking module 130 is used for identifying the client state according to the certificate information to obtain a client state result;
the client identity recognition module 140 is used for collecting a scene photo of a client and comparing the scene photo with the photo in the certificate information to obtain a comparison result;
and the service processing module 150 is used for acquiring service handling data input by the client through an operation interface of the intelligent counter when the client state result is normal and the comparison result is self handling, sending the service handling data to a background for service processing, and displaying the processing result on the intelligent counter.
Fig. 2 is a schematic diagram of a self-service transaction system architecture based on an intelligent counter according to an embodiment of the present invention. As shown in fig. 2, the system further includes:
and the manual auditing module 160 is used for scanning and supplementing certificate information, verifying the client state or verifying whether the certificate information is handled by the user or not through manual intervention when the certificate information is missing, the client state result is abnormal or the comparison result is not handled by the user.
And the report module 170 is used for recording certificate information, client state results, on-site photos, comparison results, service transaction data and processing results related to the client in a database.
In this embodiment, the language switching module 110 is further configured to automatically change an operation interface language according to the nationality in the certificate information. If the nationality corresponds to a plurality of official languages, the selection can be carried out by the client through the pop-up box.
Fig. 3 is a schematic diagram of a certificate recognition module according to an embodiment of the present invention. As shown in fig. 3, the certificate recognition module 120 includes: a chip reading unit 121, a certificate scanning unit 122, an OCR recognition unit 123 and a recognition verification unit 124; wherein the content of the first and second substances,
the chip reading unit 121 is configured to read chip information to obtain certificate information when a chip is arranged in the certificate;
the certificate scanning unit 122 is configured to scan a certificate, and call the OCR recognition unit 123 to obtain certificate information through recognition;
the identification and verification unit 124 is configured to verify information of the customer certificate according to the certificate information, and automatically identify whether there is information loss, whether the certificate is expired, and whether the certificate is a receivable nationality of the intelligent counter.
In this embodiment, the client status checking module 130 is specifically configured to:
and judging whether the certificate is a customer of the current bank, whether the certificate hits a blacklist and a grey list of the current bank, whether the certificate is a case-related account or not, whether the certificate is a punishment customer or not, and whether the certificate is in a customer state including a person of a seriously distrusted enterprise or not according to the certificate information. In addition, whether the client state is one number for multiple purposes or not can be judged.
In this embodiment, the customer identification module 140 is specifically configured to:
and calling a binocular camera to judge the infrared living body and shoot a scene photo when a client transacts business, and performing face recognition with the photo in the certificate information to obtain a face recognition result.
The binocular camera adopts a common camera and an infrared camera.
In addition, the customer identification module 140 can be used to verify the identity of the certificate information in the customer line for false, pseudonymous, anonymous, and in-doubt user cancellation.
Referring again to fig. 2, the system further comprises:
and the client information management module 180 is used for judging whether the certificate information is consistent with the background system or not when the client state result is normal and the comparison result is self-transacted, and automatically updating the new certificate information to the background system if the certificate information is inconsistent with the background system.
It should be noted that although several modules of the intelligent counter-based self-service transaction system are mentioned in the above detailed description, such partitioning is merely exemplary and not mandatory. Indeed, the features and functionality of two or more of the modules described above may be embodied in one module according to embodiments of the invention. Conversely, the features and functions of one module described above may be further divided into embodiments by a plurality of modules.
In order to make the above-mentioned self-service transaction system based on intelligent counter more clear, the following description is made in detail with reference to specific embodiments.
The document referred to in this embodiment is generally a passport, which is a document used to represent identity information when entering or exiting, since a foreign person usually does not have a document such as an identification card.
When a self-service handling business system based on an intelligent counter is built, a certificate identification module, a client identity identification module and a language switching module need to be packaged respectively. Wherein the content of the first and second substances,
and the certificate identification module is packaged, the chip reading unit, the certificate scanning unit, the OCR identification unit and the like are separately arranged, the functions of chip reading, certificate scanning, OCR identification and the like are realized, and a client only needs to insert a certificate once. For example, if a chip is provided in the passport, the chip information is read; if the passport chip is damaged or has no chip, the passport is scanned for OCR recognition to extract certificate information. And after the certificate information is successfully acquired, certificate information is verified, and whether the certificate information is missing or not, whether the certificate is overdue or not, whether the intelligent counter can accept nationality or not and the like are automatically identified.
And packaging a client identity identification module, calling a binocular (common + infrared) camera, judging by an infrared living body, shooting a picture of a client transacting business on site, and sending the picture and a passport certificate picture to a client biological information system for face identification.
The packaging language switching module is used for carrying out multi-language adaptation on the original scene of the intelligent counter, adding a multi-language switching button on an operation interface, and supporting manual switching of the interface language of the intelligent counter or automatically changing the interface language according to the national book of a passport; therefore, language barrier of the foreign people during operation can be solved, and the foreign people can be guaranteed to normally, efficiently and automatically handle business.
When a foreign person transacts business, a passport is inserted into a certificate insertion opening of an intelligent counter; the intelligent counter can acquire the nationality of the customer by reading the identification passport so as to switch the language of the operation interface, and the customer can also select the language according to the actual requirement.
After the certificate information of the passport is acquired, the client state is identified according to the certificate information, and a client state result is obtained;
prompting a user to face a camera, collecting a scene photo of a client, and comparing the scene photo with the photo in the certificate information to obtain a comparison result;
and prompting the user to confirm the identity when the client state result is normal and the comparison result is that the user transacts the account. The user can further input service handling data through an operation interface of the intelligent counter, the intelligent counter sends the service handling data to the background for service processing, and a processing result is displayed on the intelligent counter.
The invention is provided with a language switching module, a certificate identification module, a client state verification module and a client identity identification module for the problems of foreign roll client passport information acquisition, identity verification and language barrier; the intelligent counter can add a language switching button on a home page, and a client manually switches interface languages; or after the foreign client inserts the passport, automatically switching the interface language by identifying the nationality corresponding to the passport; the modules can be used for reading passport chip information or scanning code passport OCR (optical character recognition) identification passport information, and can be used for shooting pictures of field transaction business of foreign nationality clients by using an intelligent counter camera and judging whether the passport is transacted by the user or not by making a passport certificate undergo face recognition; after the identity is confirmed, the client can use the intelligent counter to handle the business, the whole process can reduce the communication cost, and the business handling efficiency is improved.
Having described the system according to an exemplary embodiment of the present invention, a self-service transaction method based on an intelligent counter according to an exemplary embodiment of the present invention will be described with reference to fig. 4 to 9.
Based on the same inventive concept, the invention also provides a self-service business handling method based on the intelligent counter, as shown in fig. 4, the method comprises the following steps:
step S401, switching the operating interface language of the intelligent counter according to a multi-language switching instruction input by a client;
step S402, reading and identifying the certificate inserted by the client to obtain certificate information;
step S403, identifying the client state according to the certificate information to obtain a client state result;
step S404, collecting a scene photo of a client, and comparing the scene photo with the photo in the certificate information to obtain a comparison result;
and S405, when the client state result is normal and the comparison result is self-transacted, acquiring service transaction data input by the client through an operation interface of the intelligent counter, sending the service transaction data to a background for service processing, and displaying the processing result on the intelligent counter.
Fig. 5 is a schematic flow chart of a self-service business handling method based on an intelligent counter according to a first embodiment of the present invention. As shown in fig. 5, the method further includes:
step S501, when the certificate information is missing, the client state result is abnormal, or the comparison result is non-self-transacted, the manual intervention is carried out to scan and complement the certificate information, verify the client state, or verify whether the self-transacted.
Fig. 6 is a schematic flow chart of a self-service transaction method based on an intelligent counter according to a second embodiment of the present invention. As shown in fig. 6, the method further includes:
step S601, recording certificate information, client state result, on-site photo, comparison result, service transaction data and processing result related to the client in a database.
Fig. 7 is a schematic flow chart of a self-service transaction method based on an intelligent counter according to a third embodiment of the present invention.
As shown in fig. 7, the method further includes:
step S701, automatically changing the language of an operation interface according to the nationality in the certificate information.
Different from fig. 4, when the user transacts the business by self, the intelligent counter can automatically switch the operation interface language according to the certificate information obtained by the certificate inserted by the user without manually switching the language.
Fig. 8 is a schematic diagram illustrating a detailed flow of reading and recognizing a document according to an embodiment of the present invention. As shown in fig. 8, in step S402, the specific process of reading and recognizing the certificate inserted by the client and obtaining certificate information includes:
step S4021, reading chip information to obtain certificate information when a chip is arranged in the certificate;
s4022, scanning the certificate, and identifying by using an OCR (optical character recognition) technology to obtain certificate information;
step S4023, checking the information of the client certificate according to the certificate information, and automatically identifying whether the information is missing, whether the certificate is overdue, and whether the intelligent counter can accept nationality.
In step S403, identifying the client status according to the certificate information, and the specific process of obtaining the client status result includes:
and judging whether the certificate is a customer of the current bank, whether the certificate hits a blacklist and a grey list of the current bank, whether the certificate is a case-related account or not, whether the certificate is a punishment customer or not, and whether the certificate is in a customer state including a person of a seriously distrusted enterprise or not according to the certificate information.
In step S404, a live photo of the customer is collected and compared with the photo in the certificate information, and a specific process of obtaining a comparison result is as follows:
and calling a binocular camera to judge the infrared living body and shoot a scene photo when a client transacts business, and performing face recognition with the photo in the certificate information to obtain a face recognition result.
Fig. 9 is a schematic flow chart of a self-service transaction method based on an intelligent counter according to a fourth embodiment of the present invention. As shown in fig. 9, the method further includes:
step S901, when the status result of the client is normal and the comparison result is self-transacted, determining whether the certificate information is consistent with the background system, and if not, automatically updating the new certificate information to the background system.
It should be noted that although the operations of the method of the present invention have been described in the above embodiments and the accompanying drawings in a particular order, this does not require or imply that these operations must be performed in this particular order, or that all of the operations shown must be performed, to achieve the desired results. Additionally or alternatively, certain steps may be omitted, multiple steps combined into one step execution, and/or one step broken down into multiple step executions.
Based on the aforementioned inventive concept, as shown in fig. 10, the present invention further provides a computer device 1000, which includes a memory 1010, a processor 1020, and a computer program 1030 stored on the memory 1010 and operable on the processor 1020, wherein the processor 1020 implements the aforementioned intelligent counter-based self-service transaction method when executing the computer program 1030.
Based on the above inventive concept, the present invention provides a computer-readable storage medium, which stores a computer program, and the computer program, when executed by a processor, implements the intelligent counter-based self-service transaction method.
The self-service business handling system and the method based on the intelligent counter can provide great convenience for foreign people to handle business in banks, solve communication obstacles, reduce business handling time, improve efficiency, increase client stickiness, reduce burden on bank outlets, reduce configuration of foreign language proficient personnel, and reduce communication cost.
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 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.
Finally, it should be noted that: the above-mentioned embodiments are only specific embodiments of the present invention, which are used for illustrating the technical solutions of the present invention and not for limiting the same, and the protection scope of the present invention is not limited thereto, although the present invention is described in detail with reference to the foregoing embodiments, those skilled in the art should understand that: any person skilled in the art can modify or easily conceive the technical solutions described in the foregoing embodiments or equivalent substitutes for some technical features within the technical scope of the present disclosure; such modifications, changes or substitutions do not depart from the spirit and scope of the embodiments of the present invention, and they should be construed as being included therein. Therefore, the protection scope of the present invention shall be subject to the protection scope of the claims.
Claims (19)
1. A self-service business handling system based on an intelligent counter is characterized by comprising:
the language switching module is used for switching the operating interface language of the intelligent counter according to a multi-language switching instruction input by a client;
the certificate identification module is used for reading and identifying the certificate inserted by the client to obtain certificate information;
the client state checking module is used for identifying the client state according to the certificate information to obtain a client state result;
the client identity recognition module is used for acquiring a scene photo of a client and comparing the scene photo with the photo in the certificate information to obtain a comparison result;
and the service processing module is used for acquiring service handling data input by the client through an operation interface of the intelligent counter when the client state result is normal and the comparison result is self handling, sending the service handling data to a background for service processing, and displaying the processing result on the intelligent counter.
2. An intelligent counter-based self-service transaction system as recited in claim 1, further comprising:
and the manual auditing module is used for scanning and supplementing certificate information, verifying the client state or verifying whether the certificate information is handled by the user or not by manual intervention when the certificate information is missing, the client state result is abnormal or the comparison result is not handled by the user.
3. An intelligent counter-based self-service transaction system as recited in claim 1, further comprising:
and the report module is used for recording certificate information, client state results, on-site photos, comparison results, service handling data and processing results related to the client in a database.
4. The self-service business handling system based on the intelligent counter as claimed in claim 1, wherein the language switching module is further configured to automatically change the language of the operation interface according to the nationality in the certificate information.
5. The intelligent counter-based self-service transaction system according to claim 1, wherein the certificate recognition module comprises: the certificate recognition system comprises a chip reading unit, a certificate scanning unit, an OCR recognition unit and a recognition and verification unit; wherein the content of the first and second substances,
the chip reading unit is used for reading chip information to obtain certificate information when a chip is arranged in the certificate;
the certificate scanning unit is used for scanning the certificate and calling the OCR recognition unit to recognize and obtain certificate information;
and the identification and verification unit is used for verifying the information of the client certificate according to the certificate information, and automatically identifying whether information is missing or not, whether the certificate is overdue or not, and whether the certificate is an intelligent counter capable of accepting nationality or not.
6. The self-service business handling system based on the intelligent counter according to claim 5, wherein the client status verification module is specifically configured to:
and judging whether the certificate is a customer of the current bank, whether the certificate hits a blacklist and a grey list of the current bank, whether the certificate is a case-related account or not, whether the certificate is a punishment customer or not, and whether the certificate is in a customer state including a person of a seriously distrusted enterprise or not according to the certificate information.
7. The self-service business handling system based on the intelligent counter according to claim 6, wherein the customer identification module is specifically configured to:
and calling a binocular camera to judge the infrared living body and shoot a scene photo when a client transacts business, and performing face recognition with the photo in the certificate information to obtain a face recognition result.
8. The self-service business handling system based on the intelligent counter as claimed in claim 7, wherein the binocular camera adopts a common camera and an infrared camera.
9. An intelligent counter-based self-service transaction system as recited in claim 7, further comprising:
and the client information management module is used for judging whether the certificate information is consistent with the background system or not when the client state result is normal and the comparison result is self-transacted, and automatically updating the new certificate information to the background system if the certificate information is inconsistent with the background system.
10. A self-service business handling method based on an intelligent counter is characterized by comprising the following steps:
switching the operating interface language of the intelligent counter according to a multi-language switching instruction input by a client;
reading and identifying the certificate inserted by the client to obtain certificate information;
identifying the client state according to the certificate information to obtain a client state result;
collecting a scene photo of a client, and comparing the scene photo with the photo in the certificate information to obtain a comparison result;
and when the client state result is normal and the comparison result is self-transacted, acquiring service transaction data input by the client through an operation interface of the intelligent counter, sending the service transaction data to a background for service processing, and displaying the processing result on the intelligent counter.
11. The intelligent counter-based self-service transaction method of claim 10, further comprising:
when the certificate information is missing, the client state result is abnormal, or the comparison result is that the user does not transact the certificate, the certificate information is scanned and complemented by manual intervention, the client state is verified, or whether the user transacts the certificate or not is verified.
12. The intelligent counter-based self-service transaction method of claim 10, further comprising:
and recording certificate information, client state results, on-site photos, comparison results, service transaction data and processing results related to the client in a database.
13. The intelligent counter-based self-service transaction method of claim 10, further comprising:
and automatically changing the language of the operation interface according to the nationality in the certificate information.
14. The self-service transaction method based on the intelligent counter as claimed in claim 10, wherein reading and recognizing the certificate inserted by the client to obtain the certificate information comprises:
when a chip is arranged in the certificate, reading chip information to obtain certificate information;
scanning the certificate, and identifying by using an OCR (optical character recognition) technology to obtain certificate information;
and checking the information of the client certificate according to the certificate information, and automatically identifying whether the information is missing or not, whether the certificate is overdue or not, and whether the certificate is an acceptable nationality of the intelligent counter or not.
15. The self-service transaction method based on intelligent counter as claimed in claim 14, wherein identifying the status of the customer based on the certificate information to obtain the result of the status of the customer comprises:
and judging whether the certificate is a customer of the current bank, whether the certificate hits a blacklist and a grey list of the current bank, whether the certificate is a case-related account or not, whether the certificate is a punishment customer or not, and whether the certificate is in a customer state including a person of a seriously distrusted enterprise or not according to the certificate information.
16. The self-service business handling method based on the intelligent counter according to claim 15, wherein the step of collecting a live photo of a customer and comparing the live photo with the photo in the certificate information to obtain a comparison result comprises the following steps:
and calling a binocular camera to judge the infrared living body and shoot a scene photo when a client transacts business, and performing face recognition with the photo in the certificate information to obtain a face recognition result.
17. The intelligent counter-based self-service transaction method of claim 16, further comprising:
and when the client state result is normal and the comparison result is that the user transacts the certificate, judging whether the certificate information is consistent with the background system, and if not, automatically updating the new certificate information to the background system.
18. 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 method of any of claims 10 to 17 when executing the computer program.
19. A computer-readable storage medium, characterized in that the computer-readable storage medium stores a computer program which, when executed by a processor, implements the method of any of claims 10 to 17.
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