CN114582078B

CN114582078B - Self-service deposit and withdrawal method and self-service deposit and withdrawal system

Info

Publication number: CN114582078B
Application number: CN202011382665.5A
Authority: CN
Inventors: 周萌萌
Original assignee: BYD Co Ltd; Zhongshan BYD Electronics Co Ltd
Current assignee: BYD Co Ltd; Zhongshan BYD Electronics Co Ltd
Priority date: 2020-12-01
Filing date: 2020-12-01
Publication date: 2024-04-16
Anticipated expiration: 2040-12-01
Also published as: CN114582078A

Abstract

The invention discloses a self-service deposit and withdrawal method and a self-service deposit and withdrawal system. The method comprises the following steps: receiving a deposit and withdrawal operation request sent by an ATM terminal, identifying bank card number data in the deposit and withdrawal operation request, acquiring a target bank card number, performing card number verification based on the target bank card number, and acquiring a card number verification result; if the card number verification result is that the verification is passed, a mobile phone number verification request is formed and sent to the ATM terminal, mobile phone number verification information is obtained, and a target mobile phone number is determined according to the mobile phone number verification information; acquiring a dynamic verification code and sending the dynamic verification code to a mobile phone terminal corresponding to a target mobile phone number, acquiring verification audio and video data formed by dictating the dynamic verification code by a user, verifying the dynamic verification code based on the verification audio and video data, and acquiring a dynamic verification result; if the dynamic verification result is that verification is passed, forming an allowed operation instruction and sending the allowed operation instruction to the ATM terminal so that the ATM terminal executes a depositing and withdrawing operation flow. The method can improve the safety and convenience of card-free deposit and withdrawal operation.

Description

Self-service deposit and withdrawal method and self-service deposit and withdrawal system

Technical Field

The invention relates to the technical field of banking business processing, in particular to a self-service deposit and withdrawal method and a self-service deposit and withdrawal system.

Background

Existing self-service deposit and withdrawal systems generally include a server and an ATM terminal in communication with the server, and a user can operate the ATM terminal to perform deposit and withdrawal operations. The self-service withdrawal system adopts a mode of combining card insertion identification with password for depositing and withdrawing, has lower convenience and safety, and is specifically expressed as follows: first, in emergency, if the user does not carry a bank card, the deposit and withdrawal operation cannot be performed; secondly, under the condition that a user forgets or confuses the password, the operation of depositing and withdrawing can not be carried out; third, lawbreakers can obtain bank cards and passwords through security stress or other illegal means, so that property of other people can be stolen, property security of users cannot be guaranteed, and fund loss is caused.

Disclosure of Invention

The embodiment of the invention provides a self-service deposit and withdrawal method and a self-service deposit and withdrawal system, which are used for solving the problems of low convenience and safety in deposit and withdrawal by combining card insertion identification with a password mode.

The invention provides a self-service deposit and withdrawal method, which comprises the following steps executed by a server:

Receiving a deposit and withdrawal operation request sent by an ATM terminal, wherein the deposit and withdrawal operation request comprises bank card number data containing a target bank card number;

identifying the bank card number data, obtaining the target bank card number, and carrying out card number verification based on the target bank card number to obtain a card number verification result;

If the card number verification result is that verification passes, a mobile phone number verification request is formed, the mobile phone number verification request is sent to the ATM terminal, mobile phone number verification information returned by the ATM terminal is obtained, and a target mobile phone number is determined according to the mobile phone number verification information;

acquiring a dynamic verification code, transmitting the dynamic verification code to a mobile phone terminal corresponding to a target mobile phone number, acquiring verification audio and video data formed by dictating the dynamic verification code by a user acquired by an ATM terminal, verifying the dynamic verification code based on the verification audio and video data, and acquiring a dynamic verification result;

and if the dynamic verification result is that verification is passed, forming an allowed operation instruction, and sending the allowed operation instruction to the ATM terminal so that the ATM terminal executes the depositing and withdrawing operation flow based on the allowed operation instruction.

Preferably, the forming a mobile phone number verification request, sending the mobile phone number verification request to the ATM terminal, obtaining mobile phone number verification information returned by the ATM terminal, and determining a target mobile phone number according to the mobile phone number verification information, includes:

Inquiring a system database based on the target bank card number, acquiring a reserved mobile phone number corresponding to the target bank card number, and forming a mobile phone number confirmation request carrying the reserved mobile phone number based on the reserved mobile phone number;

the mobile phone number confirmation request is sent to the ATM terminal, and mobile phone number confirmation information returned by the ATM terminal is obtained;

And if the mobile phone number confirmation information comprises a confirmation mark, confirming the reserved mobile phone number as a target mobile phone number.

forming a mobile phone number acquisition request, sending the mobile phone number acquisition request to the ATM terminal, receiving mobile phone number acquisition information returned by the ATM terminal, identifying the mobile phone number acquisition information, and acquiring a current mobile phone number;

inquiring a system database based on the target bank card number, and acquiring a reserved mobile phone number corresponding to the target bank card number;

And if the current mobile phone number is consistent with the reserved mobile phone number, determining the reserved mobile phone number as a target mobile phone number.

Preferably, the verification audio-video data includes verification audio data and verification video data;

The step of verifying the dynamic verification code based on the verification audio and video data to obtain a dynamic verification result comprises the following steps:

Performing voice-to-text processing on the verification audio data to obtain a current verification code, and performing matching processing on the dynamic verification code and the current verification code to obtain a verification code matching result;

processing the verification video data by adopting a living body detection algorithm to obtain a living body detection result;

if the verification code matching result is consistent in matching and the living body detection result is detection passing, acquiring a dynamic verification result passing verification;

And if the verification code matching result is inconsistent matching or the living body detection result is that the detection fails, acquiring a dynamic verification result that the verification fails.

The invention provides a self-service deposit and withdrawal method, which comprises the following steps executed by an ATM terminal:

Receiving a withdrawal operation request, and sending the withdrawal operation request to a server, wherein the withdrawal operation request comprises bank card number data containing a target bank card number;

Receiving a mobile phone number verification request sent by the server, acquiring mobile phone number verification information, and sending the mobile phone number verification information to the server so that the server determines a target mobile phone number according to the mobile phone number verification information;

Collecting verification audio and video data formed by dictating a dynamic verification code by a user, and sending the verification audio and video data to the server so that the server verifies the dynamic verification code based on the verification audio and video data to obtain a dynamic verification result;

And acquiring an allowed operation instruction formed when the dynamic verification result of the server is verification passing, and executing a depositing and withdrawing operation flow based on the allowed operation instruction.

Preferably, the receiving a request for depositing and withdrawing operation, and sending the request for depositing and withdrawing operation to a server, where the request for depositing and withdrawing operation includes bank card number data including a target bank card number, includes:

receiving a mobile phone number confirmation request carrying a reserved mobile phone number sent by the server, and identifying the reserved mobile phone number in the mobile phone number confirmation request;

Displaying the reserved mobile phone number on a display screen, or adopting a loudspeaker to play audio prompt data corresponding to the reserved mobile phone number;

and receiving the mobile phone number confirmation information, and sending the mobile phone number confirmation information to the server, so that the server confirms the reserved mobile phone number as a target mobile phone number when the mobile phone number confirmation information contains a confirmation mark.

receiving a mobile phone number acquisition request sent by the server;

Displaying a voice collecting text corresponding to the mobile phone number collecting request on a display screen, or adopting a loudspeaker to play voice collecting audio corresponding to the mobile phone number collecting request;

And calling a data acquisition interface to acquire mobile phone number acquisition information containing the current mobile phone number, and sending the mobile phone number acquisition information to the server so that the server can determine a target mobile phone number according to the mobile phone number acquisition information.

Preferably, the collecting verification audio and video data formed by the dynamic verification code spoken by the user includes:

collecting verification audio data formed by a user dictation dynamic verification code by adopting recording equipment;

acquiring verification video data formed by a user dictation dynamic verification code by adopting camera equipment;

and forming verification audio-video data based on the verification audio data and the verification video data.

Preferably, the collecting verification audio data formed by the dynamic verification code spoken by the user by using the recording device includes:

collecting original audio data formed by a user dictation dynamic verification code by adopting recording equipment, and carrying out audio detection on the original audio data to obtain an audio detection result;

If the audio detection result is that the detection is passed, the original audio data is determined to be verification audio data;

and if the audio detection result is that the detection is not passed, executing the repeated audio and video collection process.

Preferably, the capturing verification video data formed by the dynamic verification code spoken by the user by using the image capturing device includes:

Adopting camera equipment to continuously collect multi-frame verification face images in the process of dictating dynamic verification codes by users, and judging whether a face area in each frame of verification face image is in a face detection frame or not;

if all the verification face images are in the face detection frame, verification video data are formed based on the collected multi-frame verification face images;

and if the verification face image is not in the face detection frame, executing the repeated acquisition audio and video flow.

The invention also provides a self-service deposit and withdrawal system, which comprises a server, a system database and an ATM terminal which are in communication connection with the server,

The server comprises a first processor, a first memory and a first communication unit, wherein the first memory is connected with the first processor, a first computer program capable of running on the first processor is stored in the first memory, and the self-service deposit and withdrawal method is realized when the first processor executes the first computer program;

The ATM terminal comprises a second processor, a second memory connected with the second processor, a second communication unit, a display screen, a loudspeaker, a digital keyboard, a recording device and a camera device; the second memory stores a second computer program which can run on the second processor, and the self-service deposit and withdrawal method is realized when the second processor executes the second computer program.

According to the self-service deposit and withdrawal method and the self-service deposit and withdrawal system, the card number verification is carried out according to the target bank card number extracted from the bank card number data, so that the feasibility of deposit and withdrawal operation based on the target bank card number is guaranteed; the target mobile phone number passing verification is obtained according to the target bank card number, so that the mobile phone terminal corresponding to the target mobile phone number can obtain the dynamic verification code, and the feasibility of depositing and withdrawing operations based on the target bank card number is guaranteed; the dynamic verification code is verified according to verification audio and video data formed by dictating the dynamic verification code by a user, and compared with a mode of inputting a digital password through a digital keyboard, the dynamic code verification mode is adopted, so that the fund safety of a bank account corresponding to a target bank card number can be more effectively ensured, and the fund of the bank account corresponding to the target bank card number is prevented from being stolen by an lawless person; in addition, the method is beneficial to improving the convenience of the deposit and withdrawal operation, can realize the deposit and withdrawal operation without depending on the stored digital password, and avoids the incapability of carrying out the deposit and withdrawal operation due to the error of the stored digital password.

Drawings

In order to more clearly illustrate the technical solutions of the embodiments of the present invention, the drawings that are needed in the description of the embodiments of the present invention will be briefly described below, it being obvious that the drawings in the following description are only some embodiments of the present invention, and that other drawings may be obtained according to these drawings without inventive effort for a person skilled in the art.

FIG. 1 is a schematic diagram of a self-service deposit and withdrawal system according to an embodiment of the present invention;

FIG. 2 is a flow chart of a self-service deposit and withdrawal method according to an embodiment of the present invention;

FIG. 3 is another flow chart of a self-service deposit and withdrawal method according to an embodiment of the present invention.

Detailed Description

The following description of the embodiments of the present invention will be made clearly and fully with reference to the accompanying drawings, in which it is evident that the embodiments described are some, but not all embodiments of the invention. All other embodiments, which can be made by those skilled in the art based on the embodiments of the invention without making any inventive effort, are intended to be within the scope of the invention.

The self-service deposit and withdrawal method provided by the embodiment of the invention can be applied to an application environment shown in figure 1. The self-service deposit and withdrawal method is particularly applied to a self-service deposit and withdrawal system, and the self-service deposit and withdrawal system comprises a server shown in fig. 1, a system database and an ATM terminal, wherein the system database is in communication connection with the server, and the server is also in communication connection with a mobile phone terminal.

The server comprises a first processor, a first memory connected with the first processor and a first communication unit, wherein a first computer program capable of running on the first processor is stored in the first memory; the first processor executes the self-service deposit and withdrawal method in the following embodiment when executing the first computer program.

In this example, the ATM terminal includes a second processor, a second memory connected to the second processor, a second communication unit, a display screen, a speaker, a numeric keypad, a recording apparatus, and an image pickup apparatus; the second memory stores a second computer program that can be executed on the second processor, and when the second processor executes the second computer program, the self-service deposit and withdrawal method in the following embodiment is executed.

In one embodiment, as shown in fig. 2, a self-service deposit and withdrawal method is provided, and the method is applied to the server in fig. 1 for illustration, and includes the following steps executed by the server:

S11: and receiving a deposit and withdrawal operation request sent by the ATM terminal, wherein the deposit and withdrawal operation request comprises bank card number data containing a target bank card number.

Wherein the depositing and withdrawing operation request is a request for triggering the depositing and withdrawing operation. The target bank card number is the bank card number corresponding to the current deposit and withdrawal operation. The bank card number data is data for recording the target bank card number, and may be text data including the target bank card number (hereinafter, abbreviated as card number text data) or audio data including the target bank card number (hereinafter, abbreviated as card number audio data).

As an example, the server may receive a withdrawal operation request sent by the ATM terminal through the network, where the withdrawal operation request includes bank card number data including a target bank card number, may be card number text data, or may be card number audio data, and since the data amount of the text data is generally smaller than the data amount of the audio data, the bank card number data in the withdrawal operation request is preferably card number text data.

S12: and identifying the bank card number data, acquiring a target bank card number, and carrying out card number verification based on the target bank card number to acquire a card number verification result.

As an example, the server identifies the bank card number data, and obtains the target bank card number, which specifically includes: if the bank card number data is card number text data, a text recognition algorithm or a character string matching algorithm is adopted to recognize the target bank card number from the card number text data, so that the aim of rapidly recognizing the target bank card number is fulfilled. If the bank card number data is card number audio data, a voice-text converter is adopted to perform voice-text processing on the card number audio data to form card number text data, and then a text recognition algorithm or a character string matching algorithm is adopted to recognize the target bank card number from the card number text data so as to realize recognition processing on the card number audio data sent by the ATM terminal, thereby achieving the purpose of determining the target bank card number. Understandably, the server can recognize the text data of the card number, and can process the audio data of the card number, thereby improving the applicability of the audio data of the card number.

As an example, the server performs card number verification based on the target bank card number, and obtains a card number verification result, which specifically includes: the server queries a system database based on the target bank card number, and judges whether the system database has the existing bank card number matched with the target bank card number; if the existing bank card number matched with the target bank card number exists, acquiring a card number verification result passing verification, and executing a subsequent step S13; if the existing bank card number matched with the target bank card number does not exist, a card number verification result passing verification is obtained, and the depositing and withdrawing operation flow is ended, so that the ATM terminal enters a dormant mode and no subsequent processing is performed, and the energy consumption in the waiting processing process is saved.

S13: if the card number verification result is that verification passes, a mobile phone number verification request is formed, the mobile phone number verification request is sent to the ATM terminal, mobile phone number verification information returned by the ATM terminal is obtained, and a target mobile phone number is determined according to the mobile phone number verification information.

The mobile phone number verification request is a request for verifying whether the mobile phone number of the user corresponding to the target bank card number is correct or not. The mobile phone number verification information is information corresponding to a mobile phone number verification request fed back by a user through the ATM terminal. The target mobile phone number refers to the verified mobile phone number.

As an example, when the server performs card number verification based on the target bank card number and the card number verification result is verification pass, it is described that the system database stores user account information corresponding to the target bank card number, where the user account information includes, but is not limited to, a user name and a reserved mobile phone number, and the reserved mobile phone number is a mobile phone number that the user uploads to the system database in the process of opening an account of a bank account corresponding to the target bank card number or updating. In order to ensure the fund safety of the bank account corresponding to the target bank card number and improve the convenience of the deposit and withdrawal operation, when the card number verification result is verification passing, the reserved mobile phone number stored in the system database in advance is required to be verified so as to ensure the safety of the subsequent processing process.

S14: the method comprises the steps of obtaining a dynamic verification code, sending the dynamic verification code to a mobile phone terminal corresponding to a target mobile phone number, obtaining verification audio and video data formed by dictating the dynamic verification code by a user collected by an ATM terminal, verifying the dynamic verification code based on the verification audio and video data, and obtaining a dynamic verification result.

The dynamic verification code is a verification code which is acquired by the server and used for dynamic verification. As an example, the server may receive a verification code generation instruction sent by the ATM terminal through the network, and generate a dynamic verification code based on the verification code generation instruction. As another example, the server may receive a dynamic verification code sent by the ATM terminal over the network. I.e. the dynamic verification code may be generated at the server or may be formed at the ATM terminal.

The verification audio and video data are audio and video data formed in the process that the ATM terminal collects the user dictation dynamic verification code, and the verification audio and video data comprise verification audio data collected by recording equipment of the ATM terminal and verification video data collected by camera equipment of the ATM terminal.

As an example, after the server obtains the dynamic verification code, the server can send the dynamic verification code to the mobile phone terminal corresponding to the target mobile phone number, so that the user can obtain the pre-generated dynamic verification code through the mobile phone terminal, guide the user to collect verification audio and video data formed by dictating the dynamic verification code at the ATM terminal, enable the server to receive the verification audio and video data collected by the ATM terminal, and perform dynamic verification with the pre-generated dynamic verification code, and compared with the mode of inputting a digital password through a digital keyboard, the method is more beneficial to guaranteeing the fund security of a bank account corresponding to the target bank card number, and avoid illegal molecules from stealing the fund of the bank account corresponding to the target bank card number; in addition, the method is beneficial to improving the convenience of the deposit and withdrawal operation, can realize the deposit and withdrawal operation without depending on the stored digital password, and avoids the incapability of carrying out the deposit and withdrawal operation due to the error of the stored digital password.

S15: and if the dynamic verification result is that verification is passed, forming an allowed operation instruction, and sending the allowed operation instruction to the ATM terminal so that the ATM terminal executes the depositing and withdrawing operation flow based on the allowed operation instruction.

Wherein the permit operation instruction is an instruction for controlling the ATM terminal to execute the deposit and withdrawal operation flow. The depositing and withdrawing operation flow is a processing flow used for a user to carry out depositing and withdrawing operation on the ATM terminal, and particularly is a processing flow after the user identity is verified, and is a conventional processing flow.

As an example, when the dynamic verification result is that the verification is passed, the server indicates that the user can obtain an effective dynamic verification code through the mobile phone terminal corresponding to the target mobile phone number, and the audio and video data collected by the ATM terminal is the audio and video data collected when the user corresponding to the target bank card number dictates the dynamic verification code, and is determined to pass the identity verification, so that an operation permission instruction can be generated and sent to the ATM terminal, so that the ATM terminal executes the depositing and withdrawing operation flow based on the operation permission instruction. Understandably, compared with the mode of inputting a digital password through a digital keyboard, the dynamic code verification mode is adopted, so that the fund safety of the bank account corresponding to the target bank card number can be more effectively ensured, and the illegal personnel can be prevented from stealing the fund of the bank account corresponding to the target bank card number; in addition, the method is beneficial to improving the convenience of the deposit and withdrawal operation, can realize the deposit and withdrawal operation without depending on the stored digital password, and avoids the incapability of carrying out the deposit and withdrawal operation due to the error of the stored digital password.

According to the self-service deposit and withdrawal method provided by the embodiment, card number verification is carried out according to the target bank card number extracted from the bank card number data, so that feasibility of deposit and withdrawal operation based on the target bank card number is guaranteed; the target mobile phone number passing verification is obtained according to the target bank card number, so that the mobile phone terminal corresponding to the target mobile phone number can obtain the dynamic verification code, and the feasibility of depositing and withdrawing operations based on the target bank card number is guaranteed; compared with the mode of inputting a digital password through a digital keyboard, the dynamic verification code is verified according to verification audio and video data formed by dictating the dynamic verification code by a user, the dynamic verification code is adopted, so that the fund security of a bank account corresponding to a target bank card number can be more effectively ensured, and the fund of the bank account corresponding to the target bank card number is prevented from being stolen by lawless persons; in addition, the method is beneficial to improving the convenience of the deposit and withdrawal operation, can realize the deposit and withdrawal operation without depending on the stored digital password, and avoids the incapability of carrying out the deposit and withdrawal operation due to the error of the stored digital password.

In one embodiment, in step S13, a mobile phone number verification request is formed, the mobile phone number verification request is sent to the ATM terminal, mobile phone number verification information returned by the ATM terminal is obtained, and the determining the target mobile phone number according to the mobile phone number verification information includes:

S1311: and inquiring a system database based on the target bank card number, acquiring a reserved mobile phone number corresponding to the target bank card number, and forming a mobile phone number confirmation request carrying the reserved mobile phone number based on the reserved mobile phone number.

S1312: and sending the mobile phone number confirmation request to the ATM terminal, and acquiring mobile phone number confirmation information returned by the ATM terminal.

S1313: and if the mobile phone number confirmation information comprises a confirmation mark, confirming the reserved mobile phone number as a target mobile phone number.

The mobile phone number is stored and is uploaded to a system database by a user in the process of opening an account of a bank corresponding to the target bank card number or updating the account. The mobile phone number confirmation request is a request for requesting confirmation of whether the carried reserved mobile phone number is correct or not, and is a mobile phone number verification request. The mobile phone number confirmation information is confirmation information formed based on a mobile phone number confirmation request, and is one of mobile phone number verification information. The mobile phone number confirmation information can carry a confirmation mark or a denial mark. The confirmation mark is used for confirming that the mobile phone number is correct in the mobile phone number confirmation request. The denial identification is used for denying that the mobile phone number is correct in the mobile phone number confirmation request.

As an example, the server may query the system database based on the target bank card number, obtain user account information corresponding to the target bank card number, and obtain a reserved mobile phone number corresponding to the target bank card number from the user account information; forming a mobile phone number confirmation request carrying the reserved mobile phone number based on the reserved mobile phone number, sending the mobile phone number confirmation request to the ATM terminal so that the reserved mobile phone number is presented to a user for confirmation through the ATM terminal, and then receiving mobile phone number confirmation information input by the user operating the ATM terminal; if the mobile phone number confirmation information contains a confirmation mark, the user is confirmed to confirm that the reserved mobile phone number is correct, the reserved mobile phone number is determined to be a target mobile phone number, and subsequent safety verification is carried out based on the target mobile phone number; if the mobile phone number confirmation information contains the negative identification, the mobile phone number is confirmed to be stored in error, the depositing and withdrawing operation flow is directly ended, so that the ATM terminal enters a dormant mode and does not carry out subsequent processing, the energy consumption in the waiting processing process is saved, and the fund safety of a bank account corresponding to the target bank card number is ensured. Understandably, the mobile phone number confirmation request carrying the reserved mobile phone number is sent to the ATM terminal for confirmation, so that the user only needs to confirm or deny the confirmation, and the operation convenience is improved.

S1321: forming a mobile phone number acquisition request, sending the mobile phone number acquisition request to the ATM terminal, receiving mobile phone number acquisition information returned by the ATM terminal, identifying the mobile phone number acquisition information, and obtaining the current mobile phone number.

S1323: and inquiring a system database based on the target bank card number, and acquiring a reserved mobile phone number corresponding to the target bank card number.

S1324: and if the current mobile phone number is consistent with the reserved mobile phone number, determining the reserved mobile phone number as a target mobile phone number.

The mobile phone number acquisition request is a request for controlling the ATM terminal to acquire the mobile phone number of the user, and is a mobile phone number verification request. The mobile phone number acquisition information is data containing the current mobile phone number acquired by the ATM terminal in real time based on a mobile phone number acquisition request, and is one of mobile phone number verification information. The current mobile phone number is the mobile phone number currently entered by the user.

As an example, the server may generate a mobile phone number acquisition request when the card number verification result is verification pass, and send the mobile phone number acquisition request to the ATM terminal, so as to receive the mobile phone number acquisition information including the current mobile phone number by calling the data acquisition interface according to the received mobile phone number acquisition request by the ATM terminal. After receiving the mobile phone number acquisition information sent by the ATM terminal, the server needs to identify the current mobile phone number of the mobile phone number acquisition information. For example, if the mobile phone number acquisition information is mobile phone number text data, a text recognition algorithm or a character string matching algorithm is directly adopted to recognize the current mobile phone number from the mobile phone number text data; if the mobile phone number acquisition information is mobile phone number audio data, performing voice-to-text data on the mobile phone number audio data by adopting a voice-to-text converter to obtain mobile phone number text data, and then adopting a text recognition algorithm or a character string matching algorithm to recognize the current mobile phone number from the mobile phone number text data.

As an example, after identifying the current mobile phone number according to the mobile phone number acquisition information, the server needs to query the system database based on the target bank card number, acquire user account information corresponding to the target bank card number, and acquire a reserved mobile phone number corresponding to the target bank card number from the user account information; judging whether the reserved mobile phone number is consistent with the current mobile phone number; if the reserved mobile phone number is consistent with the current mobile phone number, confirming that the mobile phone number passes verification, and determining the reserved mobile phone number as a target mobile phone number; if the reserved mobile phone number is inconsistent with the current mobile phone number, the operation flow of depositing and withdrawing is directly ended, so that the ATM terminal enters a dormant mode and does not carry out subsequent processing, the energy consumption in the waiting processing process is saved, and the fund safety of a bank account corresponding to the target bank card number is ensured. Understandably, the mobile phone number acquisition request without the reserved mobile phone number is sent to the ATM terminal to acquire the mobile phone number confirmation information including the current mobile phone number, and further, the subsequent mobile phone number verification is performed, so that the security of mobile phone number verification can be improved.

In an embodiment, the authentication audio-video data includes authentication audio data and authentication video data. In step S14, the dynamic verification code is verified based on the verification audio/video data, and a dynamic verification result is obtained, which specifically includes the following steps:

s141: and performing voice-to-text processing on the verification audio data to obtain a current verification code, and performing matching processing on the dynamic verification code and the current verification code to obtain a verification code matching result.

S142: and processing the verification video data by adopting a living body detection algorithm to obtain a living body detection result.

S143: and if the verification code matching result is the matching consistency and the living body detection result is the detection passing, acquiring a dynamic verification result of the verification passing.

S144: if the verification code matching result is inconsistent, or the living body detection result is that the detection fails, a dynamic verification result that the verification fails is obtained.

The current verification code is a verification code which is input by a user through the ATM terminal and used for dynamic verification.

As an example, in step S141, the server may perform voice-to-text processing on the received verification audio data using a voice-to-text converter to obtain verification text data. The server may then identify the current verification code from the verification text data to exclude the user from dictating the dynamic verification code, the word of the mood or other information interference other than the current verification code. Finally, the server performs matching processing on the dynamic verification code and the current verification code to obtain a verification code matching result, for example, if the dynamic verification code is consistent with the current verification code, a verification code matching result consistent with the matching is obtained; if the dynamic verification code is inconsistent with the current verification code, obtaining a verification code matching result which is inconsistent in matching, so as to realize content verification of the dynamic verification code and ensure the fund security of the bank account corresponding to the target bank card number.

Further, the server also acquires a verification code validity period corresponding to the dynamic verification code, wherein the verification code validity period is a preset period for evaluating whether the dynamic verification code is valid or not. Then in step S141, the matching process is performed on the dynamic verification code and the current verification code, and a verification code matching result is obtained, which specifically includes the following steps: acquiring verification code acquisition time corresponding to the current verification code, and judging whether the verification code acquisition time is within the verification code validity period; if the acquisition time of the verification code is within the valid period of the verification code, judging whether the dynamic verification code is consistent with the current verification code or not; if the dynamic verification code is consistent with the current verification code, acquiring a verification code matching result which is matched and consistent; if the acquisition time of the verification code is not within the valid period of the verification code or the dynamic verification code is inconsistent with the current verification code, obtaining a verification code matching result which is inconsistent in matching. The content verification of the dynamic verification code can be realized, the fund safety of the bank account corresponding to the target bank card number can be ensured, and the timeliness of the dynamic verification can be ensured.

Further, in step S141, that is, before performing voice-to-text processing on the verification audio data to obtain the current verification code, the self-service deposit and withdrawal method further includes the following steps executed by the server: extracting audio characteristics of the verification audio data to obtain verification audio characteristics; inquiring a system database based on the target bank card number, and acquiring a reserved audio feature corresponding to the target bank card number from the system database; performing similarity calculation based on the verification audio features and the reserved audio features to obtain audio similarity; if the audio similarity reaches a similarity threshold, acquiring an audio verification result passing through audio verification, and executing voice-to-text processing on the verified audio data to acquire a current verification code; if the audio similarity does not reach the similarity threshold, an audio verification result which does not pass the audio verification is obtained.

Wherein the verification audio feature is an audio feature extracted from the verification audio data. The reserved audio features are audio features extracted from voice data acquired in the process of opening an account of a bank corresponding to a target bank card number or updating, and the reserved audio features are stored in a system database. The audio similarity refers to similarity determined by calculating the verification audio feature and the retention audio feature by adopting a similarity algorithm. The similarity threshold is a threshold for evaluating whether the audio similarity reaches the same user criterion.

In this example, the server performs the similarity judgment according to the verification audio feature and the retention audio feature, and then performs step S141 after obtaining the audio verification result that the audio verification passes, so that the fund security of the bank account corresponding to the target bank card number can be more effectively ensured.

In one embodiment, in step S142, the verification video data is processed by using a living body detection algorithm to obtain a living body detection result, which specifically includes: inquiring a system database based on the target bank card number, and acquiring a reserved face image corresponding to the target bank card number from the system database; and then collecting silence living body detection or other living body detection algorithms, and carrying out living body detection processing on the verification video data and the retained face image to obtain a living body detection result.

In general, the verification video data includes multiple frames of verification face images, and performing living detection processing on the verification video data and the retained face images can be understood as detecting whether each frame of verification face image and each frame of retained face image point to the same user, and the multiple frames of verification face images point to the living user, so that the user performing the card-free deposit and withdrawal operation is ensured to be the user corresponding to the target bank card number, video replay attack is prevented, and the fund security of the bank account corresponding to the target bank card number is effectively ensured. Understandably, in the living body detection process of the verification video data by adopting the living body detection algorithm, on one hand, whether the user triggering the deposit and withdrawal operation is the user himself corresponding to the target bank card number can be effectively determined, so that the fund safety of the bank account corresponding to the target bank card number is ensured; on the other hand, when the user triggering the deposit and withdrawal operation is not the user corresponding to the target bank card number but is an illegal molecule, the face information of the illegal molecule can be acquired based on the verification video data, so that the illegal molecule can be tracked.

As an example, in step S143, if the matching result of the verification code is the matching agreement, and the living body detection result is the passing detection, it is indicated that the current verification code spoken by the user is the same as the dynamic verification code sent to the mobile phone terminal corresponding to the target mobile phone number in advance, and the face in the verification video data collected through the living body detection is determined to be the face of the user corresponding to the target bank card number, so that the user performing the card-free deposit and withdrawal operation at this time can be identified as the user corresponding to the target bank card number, and therefore, the dynamic verification result of passing verification can be obtained.

As an example, in step S144, if the matching result of the verification code is inconsistent, or the detection result of the living body is failed, it is indicated that the current verification code dictated by the user is inconsistent with the dynamic verification code of the mobile phone terminal corresponding to the target mobile phone number in advance, or the face in the collected verification video data is determined to be not the face of the user corresponding to the target bank card number through the living body detection, so that the dynamic verification result of failed verification can be obtained.

In the self-service deposit and withdrawal method provided by the embodiment, the current verification code is acquired according to the verification audio data, and then the matching processing is carried out by utilizing the current verification code and the dynamic verification code, so that the content verification of the dynamic verification code is realized, the purpose of guaranteeing the fund safety of the bank account corresponding to the target bank card number is achieved, the convenience of deposit and withdrawal operation is improved, and the deposit and withdrawal operation does not depend on the digital password memorized by the memory system of a person. In the living body detection process of the verification video data by adopting a living body detection algorithm, on one hand, whether a user triggering the deposit and withdrawal operation is the user corresponding to the target bank card number or not can be effectively determined, so that the fund safety of a bank account corresponding to the target bank card number is ensured; on the other hand, when the user triggering the deposit and withdrawal operation is not the user corresponding to the target bank card number but is an illegal molecule, the face information of the illegal molecule can be acquired based on the verification video data, so that the illegal molecule can be tracked. When the matching result of the verification codes is inconsistent, or the detection result of the living body is that the detection is failed, a dynamic verification result that the verification is failed is obtained, so that the fund security of the bank account corresponding to the target bank card number is effectively ensured.

In one embodiment, as shown in fig. 3, a self-service deposit and withdrawal method is provided, and the ATM terminal in fig. 1 is taken as an example to illustrate the method, which includes the following steps executed by the ATM terminal:

s21: and receiving a withdrawal operation request, and sending the withdrawal operation request to a server, wherein the withdrawal operation request comprises bank card number data containing the target bank card number.

In this embodiment, the user may click on the "no-card deposit and withdrawal" or other buttons that may trigger the enter no-card deposit and withdrawal operation on the ATM terminal, so as to trigger the deposit and withdrawal operation request, and send the deposit and withdrawal operation request to the server, so that the server performs the subsequent processing operation based on the deposit and withdrawal operation request.

S22: the mobile phone number verification request sent by the server is received, mobile phone number verification information is obtained, and the mobile phone number verification information is sent to the server, so that the server determines the target mobile phone number according to the mobile phone number verification information.

As an example, when the card number verification is performed based on the target bank card number and the card number verification result is verification passing, a mobile phone number verification request is formed and sent to the ATM terminal, so that the ATM terminal can acquire the mobile phone number verification request sent by the server, further acquire mobile phone number verification information formed by the user operating the ATM terminal, and send the mobile phone number verification information to the server, so that the server determines the target mobile phone number according to the mobile phone number verification information, thereby ensuring the security of the subsequent processing process.

S23: and collecting verification audio and video data formed by dictating the dynamic verification code by the user, and sending the verification audio and video data to the server so that the server verifies the dynamic verification code based on the verification audio and video data to obtain a dynamic verification result.

As an example, the user may click on a generate passcode button on the display screen of the ATM terminal, triggering a passcode generation instruction. After receiving the verification code generation instruction, the ATM terminal can directly send the verification code generation instruction to the server, so that the server generates a dynamic verification code based on the verification code generation instruction and sends the dynamic verification code to the mobile phone terminal corresponding to the target mobile phone number. Or the ATM terminal can also generate a dynamic verification code based on the verification code generation instruction at the ATM terminal, and forward the dynamic verification code to the mobile phone terminal corresponding to the target mobile phone number through the server so as to ensure that the mobile phone terminal corresponding to the target mobile phone number can receive the dynamic verification code, guide the user to dictate the dynamic verification code, and facilitate acquisition of verification audio and video data.

As an example, after the server sends the dynamic verification code to the mobile phone terminal corresponding to the target mobile phone number, the ATM terminal may specifically call the data collection interface in the verification code collection time after the ATM terminal receives the verification code generation instruction formed by the user operating the ATM terminal, collect the verification audio and video data formed in the process of dictating the dynamic verification code by the user, and send the verification audio and video data to the server, so that the server may verify the dynamic verification code based on the verification audio and video data, and obtain the dynamic verification result.

S24: and acquiring an allowed operation instruction formed by the server when the dynamic verification result is verification passing, and executing a depositing and withdrawing operation flow based on the allowed operation instruction.

As an example, the ATM terminal may obtain an allowed operation instruction formed when the dynamic verification result is verification passing, which indicates that the user may obtain an effective dynamic verification code through the mobile phone terminal corresponding to the target mobile phone number, and the audio and video data collected by the ATM terminal is audio and video data collected when the user corresponding to the target bank card number dictates the dynamic verification code, that is, the authentication passing, so the ATM terminal may execute a depositing and withdrawing operation flow based on the allowed operation instruction, that is, a depositing and withdrawing operation flow of the ATM terminal after the input of the digital password is accurate, so that the user performs the depositing and withdrawing operation.

According to the self-service deposit and withdrawal method provided by the embodiment, the ATM terminal needs to collect the bank card number data to form a deposit and withdrawal operation request, so that the server performs card number verification according to the target bank card number extracted from the bank card number data, and the feasibility of deposit and withdrawal operation based on the target bank card number is guaranteed; the target mobile phone number passing verification is obtained according to the target bank card number, so that the mobile phone terminal corresponding to the target mobile phone number can obtain the dynamic verification code, and the feasibility of depositing and withdrawing operations based on the target bank card number is guaranteed; compared with the mode of inputting a digital password through a digital keyboard, the dynamic verification code is verified according to verification audio and video data formed by dictating the dynamic verification code by a user, the dynamic verification code is adopted, so that the fund security of a bank account corresponding to a target bank card number can be more effectively ensured, and the fund of the bank account corresponding to the target bank card number is prevented from being stolen by lawless persons; in addition, the method is beneficial to improving the convenience of the deposit and withdrawal operation, can realize the deposit and withdrawal operation without depending on the stored digital password, and avoids the incapability of carrying out the deposit and withdrawal operation due to the error of the stored digital password.

In one embodiment, in step S21, receiving a request for a deposit and withdrawal operation includes: and receiving a withdrawal operation instruction, calling a data acquisition interface based on the withdrawal operation instruction, acquiring bank card number data containing a target bank card number, and forming a withdrawal operation request based on the bank card number data.

The data acquisition interface refers to an interface used for acquiring data in the ATM terminal. In this example, the data acquisition interface includes, but is not limited to, a text data acquisition interface coupled to a numeric keypad, an audio data acquisition interface coupled to a recording device, and a video data acquisition interface coupled to a camera device.

As an example, the ATM terminal may receive a user-triggered deposit and withdrawal operation instruction, call a text data collection interface based on the deposit and withdrawal operation instruction, obtain card number text data including a target bank card number entered by a numeric keypad, and form a deposit and withdrawal operation request based on the card number text data. For example, the user may click on the "no-card deposit and withdrawal" button on the ATM terminal to trigger a deposit and withdrawal operation instruction, and at this time, the text data collection interface of the second processor of the ATM terminal may obtain the card number text data including the target bank card number input by the numeric keypad, and form a deposit and withdrawal operation request based on the card number text data, so that the user inputs the target bank card number by operating the numeric keypad, so as to perform a deposit and withdrawal operation on a bank account corresponding to the target bank card number subsequently.

As another example, the ATM terminal may receive a user-triggered deposit and withdrawal operation instruction, invoke the audio data acquisition interface based on the deposit and withdrawal operation instruction, obtain card number audio data including the target bank card number input by the recording device, and form a deposit and withdrawal operation request based on the card number audio data. For example, the user may click on the "no-card deposit and withdrawal" button on the ATM terminal to trigger a deposit and withdrawal operation instruction, and at this time, the audio data collection interface of the second processor of the ATM terminal may obtain the card number audio data including the target bank card number collected by the recording device, and form a deposit and withdrawal operation request based on the card number audio data, so that the user inputs the target bank card number through the recording device, so as to perform a deposit and withdrawal operation on a bank account corresponding to the target bank card number. Understandably, compared with the mode of collecting the target bank card number by adopting the numeric keyboard, the mode of collecting the target bank card number by adopting the recording equipment is more convenient, and a user with inconvenient manual operation can also use the system quickly.

Further, forming a request for depositing and withdrawing operation based on the data of the bank card, specifically including: if the bank card number data is card number text data, forming a deposit and withdrawal operation request directly based on the card number text data; if the bank card number data is card number audio data, performing voice-to-text processing on the card number text data by adopting a voice-to-text converter to form card number text data in a text format, and forming a withdrawal operation request based on the card number text data. The speech-to-text converter is a tool that can convert speech data into text data, and may be software that can convert speech data into text data. Understandably, the deposit and withdrawal operation request can be formed directly based on the card number text data, or can be formed based on the card number audio data conversion, so that when the subsequent ATM terminal sends the deposit and withdrawal operation request to the server, the data volume of the text data is generally smaller than that of the audio data, which is beneficial to improving the data sending efficiency, and further improving the processing efficiency of the deposit and withdrawal operation.

As an example, based on the deposit and withdrawal operation instruction, the data collection interface is called to obtain the bank card number data including the target bank card number, so as to form a deposit and withdrawal operation request, which specifically includes: calling a data acquisition interface based on the withdrawal operation instruction, and waiting for receiving the bank card number data containing the target bank card number in the card number acquisition time; if the bank card number data containing the target bank card number can be received in the card number acquisition time, forming a deposit and withdrawal operation request based on the bank card number data; if the bank card number data containing the target bank card number is not received in the card number acquisition time, ending the deposit and withdrawal operation flow, enabling the ATM terminal to enter a dormant mode, and not carrying out subsequent processing, so that energy consumption in the waiting processing process is saved. The card number acquisition time is preset waiting time for acquiring the bank card number data. Understandably, the ATM terminal only waits for collecting the card number data of the silver card in the card number collecting time, thereby being beneficial to improving the efficiency of collecting the data of the bank card and ensuring the processing efficiency of the depositing and withdrawing operation.

In one embodiment, step S21, namely receiving a mobile phone number verification request sent by the server, obtaining mobile phone number verification information, and sending the mobile phone number verification information to the server, so that the server determines a target mobile phone number according to the mobile phone number verification information, includes:

S2111: and receiving a mobile phone number confirmation request carrying the reserved mobile phone number sent by the server, and identifying the reserved mobile phone number in the mobile phone number confirmation request.

S2112: and displaying the reserved mobile phone number on a display screen, or adopting a loudspeaker to play audio prompt data corresponding to the reserved mobile phone number.

S2113: and receiving the mobile phone number confirmation information, and sending the mobile phone number confirmation information to the server, so that the server confirms the reserved mobile phone number as the target mobile phone number when the mobile phone number confirmation information contains the confirmation mark.

As an example, the ATM terminal may receive a mobile phone number confirmation request carrying a reserved mobile phone number sent by the server through the network, and identify the reserved mobile phone number in the mobile phone number confirmation request; then, displaying the identified reserved mobile phone number on a display screen of the ATM terminal, so that a user clicks a confirmation button by watching the display information on the display screen, and the ATM terminal receives the confirmation mark to form mobile phone number confirmation information containing the confirmation mark; or clicking the denial identification to enable the ATM terminal to receive the denial identification and form mobile phone number confirmation information containing the denial identification; and finally, the ATM terminal sends the mobile phone number confirmation information to the server through the network, so that the server confirms the reserved mobile phone number as the target mobile phone number when the mobile phone number confirmation information contains the confirmation mark, thereby realizing the safety verification of the reserved mobile phone number, being beneficial to guaranteeing the fund safety of a bank account corresponding to the target bank card number, effectively guaranteeing the efficiency of mobile phone number verification and improving the convenience in the processing process.

The audio prompt data corresponding to the reserved mobile phone number is processed by adopting a prompt voice operation template, after the prompt text data is formed, the text-to-speech converter is adopted to perform text-to-speech processing on the prompt text data, and the formed audio prompt data enables the audio prompt data to contain relevant information of the reserved mobile phone number during playing.

As an example, the ATM terminal may receive a mobile phone number confirmation request carrying a reserved mobile phone number sent by the server through the network, and identify the reserved mobile phone number in the mobile phone number confirmation request; then, audio prompt data corresponding to the reserved mobile phone number is played through a loudspeaker of the ATM terminal, so that after a user hears the audio prompt data and confirms that the reserved mobile phone number is correct, a confirmation button is clicked, the ATM terminal receives a confirmation mark, and mobile phone number confirmation information containing the confirmation mark is formed; or clicking the denial identification to enable the ATM terminal to receive the denial identification and form mobile phone number confirmation information containing the denial identification; and finally, the ATM terminal sends the mobile phone number confirmation information to the server through the network, so that the server confirms the reserved mobile phone number as the target mobile phone number when the mobile phone number confirmation information contains the confirmation mark, thereby realizing the safety verification of the reserved mobile phone number, being beneficial to guaranteeing the fund safety of a bank account corresponding to the target bank card number, effectively guaranteeing the efficiency of mobile phone number verification and improving the convenience in the processing process.

s2121: and receiving a mobile phone number acquisition request sent by the server.

S2122: and displaying the voice collecting text corresponding to the mobile phone number collecting request on a display screen, or adopting a loudspeaker to play voice collecting audio corresponding to the mobile phone number collecting request.

S2123: and calling a data acquisition interface to acquire mobile phone number acquisition information containing the current mobile phone number, and sending the mobile phone number acquisition information to a server so that the server can determine the target mobile phone number according to the mobile phone number acquisition information.

The text of the collected phone call is preset text data corresponding to the phone call for collecting the current phone number. The voice frequency of the collected voice operation is preset and is used for collecting voice data corresponding to the voice operation of the current mobile phone number.

As an example, the ATM terminal may receive a mobile phone number acquisition request sent by the server through the network, first invoke a pre-configured acquisition voice text based on the mobile phone number acquisition request, and acquire the voice text on the display screen; or calling a pre-configured voice collection audio based on the mobile phone number collection request, and playing the voice collection audio by adopting a loudspeaker so as to guide a user to input the current mobile phone number. And then, calling a data acquisition interface connected with the digital keyboard to acquire mobile phone number acquisition information which is acquired by the digital keyboard and contains the current mobile phone number, and sending the mobile phone number acquisition information to the server so that the server can determine the target mobile phone number according to the mobile phone number acquisition information to acquire the current mobile phone number. For another example, the ATM terminal may invoke an audio data collection interface connected to the recording device, obtain the mobile phone number collection information including the current mobile phone number collected by the recording device, and then send the mobile phone number collection information to the server, so that the server determines the target mobile phone number according to the mobile phone number collection information, so as to implement collection of the current mobile phone number.

Understandably, if the ATM terminal receives the mobile phone number text data corresponding to the current mobile phone number acquired by the numeric keyboard, the mobile phone number text data is used as mobile phone number acquisition information; if the ATM terminal receives the mobile phone number audio data corresponding to the current mobile phone number acquired by the recording device, the voice text converter can be used for performing voice text conversion processing on the mobile phone number audio data to form mobile phone number text data, and then the mobile phone number text data is used as mobile phone number acquisition information, so that the data volume of the mobile phone number acquisition information is reduced, and the transmission efficiency of the mobile phone number acquisition information is improved.

In one embodiment, step S23, namely collecting verification audio and video data formed by dictating a dynamic verification code by a user, specifically includes:

S231: and collecting verification audio data formed by the dynamic verification codes spoken by the user by adopting recording equipment.

S232: and acquiring verification video data formed by the dynamic verification codes spoken by the user by adopting the camera equipment.

S232: based on the verification audio data and the verification video data, verification audio-video data is formed.

As an example, in step S231, after the server sends the dynamic verification code to the mobile phone terminal corresponding to the target mobile phone number, the ATM terminal may specifically collect, by using the recording device, audio data formed by dictating the dynamic verification code by the user set, and determine the verification audio data in a verification code collection time after the ATM terminal receives a verification code generation instruction formed by the user operating the ATM terminal.

As an example, in step S232, the ATM terminal may collect, by using the image capturing device, video data formed by dictating the dynamic verification code by the user, to determine verification video data after the server transmits the dynamic verification code to the mobile phone terminal corresponding to the target mobile phone number, specifically, in a verification code collection time after the ATM terminal receives a verification code generation instruction formed by the user operating the ATM terminal,

As an example, in step S233, the ATM terminal may package the collected verification audio data and verification video data to form verification audio/video data for verifying the dynamic verification code.

Understandably, in the verification code acquisition time after the server sends the dynamic verification code to the mobile phone terminal corresponding to the target mobile phone number, the recording device and the camera device of the ATM terminal work simultaneously to acquire verification audio data and verification video data respectively, so as to ensure the efficiency and synchronism of verification audio and video data acquisition.

Further, step S231, namely collecting verification audio data formed by the dynamic verification code spoken by the user by using the recording device, further includes: collecting original audio data formed by a user dictation dynamic verification code by adopting recording equipment, and carrying out audio detection on the original audio data to obtain an audio detection result; if the audio detection result is that the detection is passed, the original audio data is determined to be verification audio data; and if the audio detection result is that the detection is not passed, executing the repeated audio and video collection flow.

The original audio data is undetected audio data of a process of collecting user oral dynamic verification codes by the recording device.

Audio detection is a detection process for detecting whether the audio quality of the collected raw audio data meets audio collection criteria, such as detecting whether the volume of the collected raw audio data meets a minimum volume threshold, and/or detecting whether the noise of the collected raw audio data is below a minimum noise threshold.

The repeated collection of audio and video flow refers to the repeated execution of the process of collecting the verification audio and video data formed by the user dictation of the dynamic verification code, and specifically refers to the simultaneous operation of the recording equipment and the camera equipment of the ATM terminal, and the collection of the verification audio data and the verification video data is respectively carried out so as to ensure the collection efficiency and the synchronism of the verification audio and video data.

In this example, after the recording device of the ATM terminal collects the original audio data formed in the process of dictating the dynamic verification code in real time, audio detection processing is required to be performed on the original audio data to obtain an audio detection result, and only when the audio detection result is that the detection is passed, the original audio data is determined to be verification audio data, which is helpful for guaranteeing the audio quality of the verification audio data collected and sent to the server, and is helpful for improving the accuracy and efficiency of the subsequent dynamic verification using the verification audio data. And when the audio detection result is that the detection fails, the repeated audio and video acquisition process is required to be executed, so that the recording equipment and the camera equipment of the ATM terminal work simultaneously, and the verification audio data and the verification video data are respectively acquired, so that the acquisition efficiency and the synchronization of the verification audio and video data are ensured.

Further, in step S232, the capturing device is used to collect verification video data formed by dictating the dynamic verification code by the user, which specifically includes: adopting camera equipment to continuously collect multi-frame verification face images in the process of dictating dynamic verification codes by users, and judging whether a face area in each frame of verification face image is in a face detection frame or not; if all the verification face images are in the face detection frame, verification video data are formed based on the collected multi-frame verification face images; and if the face image is verified not to be in the face detection frame, executing the repeated acquisition audio and video flow.

In this example, the ATM terminal acquires multiple frames of verification face images in the process of dictating the dynamic verification code by the camera device in real time, and detects whether the face area in each frame of verification face image is in the face detection frame in real time, so as to determine whether the user is in the effective acquisition range corresponding to the camera device, so as to ensure the validity of the finally acquired verification face image. In the example, only if all the verification face images are in the face detection frame, verification video data can be formed based on the collected multi-frame verification face images, and the accuracy and the efficiency of subsequent living body detection based on the verification video data can be guaranteed. In the example, when the verification face image is not in the face detection frame, the repeated collection of the audio and video flow is executed, so that the recording equipment and the camera equipment of the ATM terminal work simultaneously, and verification audio data and verification video data are respectively collected, so that the collection efficiency and the synchronization of the verification audio and video data are ensured.

It should be understood that the sequence number of each step in the foregoing embodiment does not mean that the execution sequence of each process should be determined by the function and the internal logic, and should not limit the implementation process of the embodiment of the present invention.

It will be apparent to those skilled in the art that, for convenience and brevity of description, only the above-described division of the functional units and modules is illustrated, and in practical application, the above-described functional distribution may be performed by different functional units and modules according to needs, i.e. the internal structure of the apparatus is divided into different functional units or modules to perform all or part of the above-described functions.

The above embodiments are only for illustrating the technical solution of the present invention, and not for limiting the same; although the invention has been described in detail with reference to the foregoing embodiments, it will be understood by those of ordinary skill in the art that: the technical scheme described in the foregoing embodiments can be modified or some technical features thereof can be replaced by equivalents; such modifications and substitutions do not depart from the spirit and scope of the technical solutions of the embodiments of the present invention, and are intended to be included in the scope of the present invention.

Claims

1. The self-service deposit and withdrawal method is characterized by comprising the following steps executed by a server:

Acquiring a dynamic verification code, transmitting the dynamic verification code to a mobile phone terminal corresponding to a target mobile phone number, acquiring verification audio-video data formed by dictating the dynamic verification code by a user acquired by an ATM terminal, wherein the verification audio-video data comprises verification audio data and verification video data, the verification audio data is synchronous with the verification video data, and the verification video data is video data of continuous multiframes with face images in a face detection frame;

Verifying the dynamic verification code based on the verification audio and video data to obtain a dynamic verification result;

2. The self-service deposit and withdrawal method according to claim 1, wherein the forming a mobile phone number verification request, sending the mobile phone number verification request to the ATM terminal, obtaining mobile phone number verification information returned by the ATM terminal, and determining a target mobile phone number according to the mobile phone number verification information, includes:

3. The self-service deposit and withdrawal method according to claim 1, wherein the forming a mobile phone number verification request, sending the mobile phone number verification request to the ATM terminal, obtaining mobile phone number verification information returned by the ATM terminal, and determining a target mobile phone number according to the mobile phone number verification information, includes:

4. The self-service deposit and withdrawal method of claim 1, wherein said verification audio-visual data includes verification audio data and verification video data;

5. The self-service deposit and withdrawal method is characterized by comprising the following steps executed by an ATM terminal:

the acquisition of verification audio and video data formed by the user dictation dynamic verification code comprises the following steps:

6. The self-service deposit and withdrawal method according to claim 5, wherein the receiving a deposit and withdrawal operation request, and transmitting the deposit and withdrawal operation request to a server, the deposit and withdrawal operation request including bank card number data including a target bank card number, includes:

7. The self-service deposit and withdrawal method according to claim 5, wherein the receiving a deposit and withdrawal operation request, and transmitting the deposit and withdrawal operation request to a server, the deposit and withdrawal operation request including bank card number data including a target bank card number, includes:

receiving a mobile phone number acquisition request sent by the server;

8. The self-service deposit and withdrawal method of claim 5, wherein the collecting verification audio data formed by the user dictating the dynamic verification code using the sound recording device comprises:

9. A self-service deposit and withdrawal system comprises a server, a system database and an ATM terminal which are in communication connection with the server, and is characterized in that,

The server comprises a first processor, a first memory and a first communication unit, wherein the first memory is connected with the first processor, a first computer program capable of running on the first processor is stored in the first memory, and the self-service deposit and withdrawal method as claimed in any one of claims 1-4 is realized when the first processor executes the first computer program;

The ATM terminal comprises a second processor, a second memory connected with the second processor, a second communication unit, a display screen, a loudspeaker, a digital keyboard, a recording device and a camera device; a second computer program executable on the second processor is stored in the second memory, the second processor implementing the self-service deposit and withdrawal method according to any one of claims 5 to 8 when executing the second computer program.