TWM566865U - Transaction system based on face recognitioin for verification - Google Patents
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Abstract
Description
本創作係關於一種交易系統，特別是一種基於臉部特徵及表情識別進行驗證的交易系統。This creation is about a trading system, especially a trading system based on facial features and expression recognition.
現今社會詐騙案件頻傳，透過人頭帳戶洗錢事件亦時有所聞；前者係詐騙集團在取得受害人信任之後，騙取受害人的金融卡以及提款密碼，再由車手攜帶卡片至自動櫃員機提領現鈔；後者係詐騙集團巧立名目騙取一般民眾的帳戶號碼、金融卡以及帳戶密碼，然後騙被害人將錢匯入這些人頭帳戶，再派遣車手至自動櫃員機將人頭帳戶的款項提領一空。Nowadays, there are frequent cases of social fraud. The money laundering incident through the head account is also known. The former is the fraud group to defraud the victim's financial card and the withdrawal password after the victim has obtained the trust. The driver then carries the card to the ATM to withdraw the money. The latter is a fraudulent group that defrauds the general public's account number, financial card and account password, then tricks the victim into remitting the money into these head accounts, and then dispatches the driver to the ATM to withdraw the amount of the head account.
觀察上述類型的盜領案件，其相同之處在於操作自動櫃員機提領現鈔的人員並非帳戶本人。由於傳統自動櫃員機的提款程序中，僅依賴金融卡片以及提款密碼作為帳戶安全驗證的依據。因此，一旦卡片遺失且及密碼外洩，存款被盜領的風險將大為提高。另外，即便是帳戶本人親自提領，亦無法排除其為受到歹徒威脅而被迫至自動櫃員機領錢的狀況，然而，目前的自動櫃員機尚未具備任何機制可即時地防堵盜領事件發生。Observing the above-mentioned types of piracy cases, the similarity is that the person who operates the ATM to withdraw cash is not the account holder. Due to the withdrawal procedure of the traditional ATM, only the financial card and the withdrawal password are used as the basis for account security verification. Therefore, once the card is lost and the password is leaked, the risk of the stolen deposit will be greatly increased. In addition, even if the account person personally withdraws, it cannot be ruled out that it is forced to collect money from the ATM by being threatened by the culprits. However, the current ATM has not yet provided any mechanism to prevent the burglary incident.
有鑑於此，本創作揭露一種以臉部辨識進行認證的交易系統，藉此降低自動櫃員機被他人冒領或本人在非自願情況下被迫提領的潛在可能性。In view of this, the present disclosure discloses a trading system that authenticates with face recognition, thereby reducing the potential for the ATM to be taken by others or forced to withdraw involuntarily.
依據本創作一實施例所敘述的一種基於臉部辨識進行驗證的交易系統，包括：自動櫃員機以及驗證伺服器。所述的自動櫃員機包括：攝像模組、讀卡模組、輸入模組、控制模組、通訊模組及交易模組。攝像模組、讀卡模組、輸入模組、通訊模組及交易模組皆電性連接至控制模組。攝像模組用以取得包括使用者臉部的待驗證影像。讀卡模組用以供置入金融卡，發送驗證請求及接收金融卡所發送之驗證回覆。輸入模組用以供輸入卡片密碼及交易內容。控制模組用以接收待驗證影像、根據卡片密碼產生驗證請求、根據驗證回覆選擇性地產生提示訊息，且提示訊息用以提示使用者輸入交易內容，控制模組更用以由輸入模組接收交易內容。通訊模組用以根據控制模組之指示發送待驗證影像及交易內容。交易模組用以執行交易操作，所述的交易操作係輸出與交易內容中設定金額相符的現鈔。所述的驗證伺服器通訊連接至自動櫃員機之通訊模組，驗證伺服器包括帳戶資料庫及運算模組。帳戶資料庫包括複數個帳戶資訊，每一帳戶資訊至少包括第一參考影像。運算模組電性連接至帳戶資料庫，運算模組用以比對待驗證影像及至少一第一參考影像，並根據比對結果選擇性地產生可續行訊號再發送此可續行訊號至自動櫃員機。A transaction system for verifying based on face recognition according to an embodiment of the present invention includes: an automatic teller machine and a verification server. The automatic teller machine comprises: a camera module, a card reading module, an input module, a control module, a communication module and a transaction module. The camera module, the card reading module, the input module, the communication module and the transaction module are all electrically connected to the control module. The camera module is configured to obtain an image to be verified including a user's face. The card reader module is configured to place a financial card, send a verification request, and receive a verification reply sent by the financial card. The input module is used to input the card password and transaction content. The control module is configured to receive the image to be verified, generate a verification request according to the card password, selectively generate a prompt message according to the verification reply, and prompt the user to input the transaction content, and the control module is further configured to be received by the input module. Transaction content. The communication module is configured to send the image to be verified and the transaction content according to the instruction of the control module. The transaction module is configured to perform a transaction operation, and the transaction operation outputs cash that matches the amount set in the transaction content. The verification server communication is connected to the communication module of the automatic teller machine, and the verification server includes an account database and an operation module. The account database includes a plurality of account information, and each account information includes at least a first reference image. The computing module is electrically connected to the account database, and the computing module is configured to compare the verified image and the at least one first reference image, and selectively generate the renewable signal according to the comparison result, and then send the renewable signal to the automatic Teller machine.
依據本創作另一實施例所敘述的一種基於臉部特徵進行驗證的交易系統，其中每一帳戶資訊更包括一第二參考影像，驗證伺服器更包括表情辨識模組電性連接至帳戶資料庫及運算模組，表情辨識模組用以分析待驗證影像中臉部之表情，運算模組更包括根據所分析的表情比對待驗證影像及至少一第二參考影像。According to another embodiment of the present invention, a transaction system for verifying based on facial features, wherein each account information further includes a second reference image, and the verification server further includes an expression recognition module electrically connected to the account database. And an operation module, the expression recognition module is configured to analyze the expression of the face in the image to be verified, and the operation module further comprises: comparing the image to be verified and the at least one second reference image according to the analyzed expression.
藉由上述架構，本創作所揭露的以臉部辨識進行認證的交易系統，在原本以金融卡及密碼進行提領的基礎上，更增加了以操作自動櫃員機的使用者的臉部辨識作為驗證的機制，此外，可更加入表情辨識作為進一步的驗證方式，因此可有效降低非帳戶本人至自動櫃員機前冒領的風險，亦可以即時偵測到帳戶本人受脅迫而非自願提領的情況，提早避免帳戶本人的金錢損失。With the above structure, the transaction system authenticated by face recognition disclosed in the present invention is based on the original financial card and password, and the face recognition of the user who operates the ATM is verified. In addition, the expression recognition can be added as a further verification method, so that the risk of non-accounting himself to the ATM can be effectively reduced, and the account itself can be detected immediately by coercion rather than voluntary withdrawal. Avoid the money loss of the account yourself early.
以上之關於本揭露內容之說明及以下之實施方式之說明係用以示範與解釋本創作之精神與原理，並且提供本創作之專利申請範圍更進一步之解釋。The above description of the disclosure and the following description of the embodiments are intended to illustrate and explain the spirit and principles of the present invention, and to provide further explanation of the scope of the patent application of the present invention.
以下在實施方式中詳細敘述本創作之詳細特徵以及優點，其內容足以使任何熟習相關技藝者了解本創作之技術內容並據以實施，且根據本說明書所揭露之內容、申請專利範圍及圖式，任何熟習相關技藝者可輕易地理解本創作相關之目的及優點。以下之實施例係進一步詳細說明本創作之觀點，但非以任何觀點限制本創作之範疇。The detailed features and advantages of the present invention are described in detail below in the embodiments, which are sufficient to enable any skilled artisan to understand the technical contents of the present invention and implement it according to the contents, the scope of the patent application and the drawings. Anyone familiar with the relevant art can easily understand the purpose and advantages of this creation. The following examples are intended to further illustrate the scope of this creation, but do not limit the scope of the creation in any way.
請參考圖1，其係繪示依據本創作一實施例所敘述的基於臉部辨識進行驗證的交易系統架構圖，此系統主要包括自動櫃員機1以及驗證伺服器5，自動櫃員機1通訊連接至驗證伺服器5，實務上，所述「通訊連接」係指通過有線或無線方式連接；有線通訊連接方式例如係透過電話線、通用序列匯流排（Universal Serial Bus，USB）、雙絞線、同軸電纜或光纖電纜等方式進行通訊連接；無線通訊連接方式例如係透過全球移動通訊系統（Global System for Mobile communications，GSM）、全球互通微波存取（Worldwide Interoperability for Microwave Access，WiMax）、分碼多重進接（Code Division Multiple Access，CDMA）、近場通訊（Near Field Communication，NFC）、藍牙或Wi-Fi等方式進行通訊連接。本創作對於通訊連線的種類不予限制。Please refer to FIG. 1 , which is a structural diagram of a transaction system based on face recognition for verification according to an embodiment of the present invention. The system mainly includes an ATM 1 and a verification server 5 , and the ATM 1 is connected to the verification. Server 5, in practice, the "communication connection" refers to connection by wired or wireless connection; the wired communication connection method is, for example, a telephone line, a universal serial bus (USB), a twisted pair cable, a coaxial cable Or a fiber-optic cable or the like for communication connection; the wireless communication connection method is, for example, a Global System for Mobile communications (GSM), Worldwide Interoperability for Microwave Access (WiMax), code division multiple access (Code Division Multiple Access, CDMA), Near Field Communication (NFC), Bluetooth, or Wi-Fi. This creation does not limit the types of communication links.
請參考圖1，自動櫃員機1包括攝像模組10、讀卡模組11、輸入模組12、控制模組13、通訊模組14以及交易模組15，其中，攝像模組10、讀卡模組11、輸入模組12、通訊模組14以及交易模組15皆電性連接至控制模組13，如圖1所示。Please refer to FIG. 1 , the automatic teller machine 1 includes a camera module 10 , a card reading module 11 , an input module 12 , a control module 13 , a communication module 14 , and a transaction module 15 , wherein the camera module 10 and the card reader module The group 11, the input module 12, the communication module 14, and the transaction module 15 are all electrically connected to the control module 13, as shown in FIG.
攝像模組10用以取得一待驗證影像，實務上，攝像模組例如係包含感光耦合元件（Charge-Coupled Device，CCD）的攝影機或互補式金屬氧化物半導體（Complementary Metal-Oxide Semiconductor，CMOS）的攝影機。然而，本創作對攝像模組10的硬體裝置並不以此為限；另外，本創作亦不限制攝像模組10的數量。所述的待驗證影像必須包括一臉部影像，即操作自動櫃員機1的使用者臉部影像。一般而言，攝像模組10應設置於自動櫃員機1上使用者目視所及的位置。又，考量使用者身高不盡相同，固定高度的攝像模組10可能無法攝入身高遠高於或遠低於此固定高度的使用者臉部；因此，實務上可於自動櫃員機1上設置多個位於不同高度的攝像模組10或是在單一攝像模組10上增設廣角鏡頭或魚眼鏡頭，藉此增加攝像模組10的拍攝範圍。The camera module 10 is used to obtain a to-be-verified image. In practice, the camera module is, for example, a camera including a photosensitive-coupled device (CCD) or a complementary metal-oxide semiconductor (CMOS). Camera. However, the hardware device of the camera module 10 is not limited thereto; the present invention also does not limit the number of the camera modules 10. The image to be verified must include a facial image, that is, a user's facial image that operates the automated teller machine 1. In general, the camera module 10 should be disposed at the position of the automated teller machine 1 as viewed by the user. Moreover, considering that the height of the user is different, the camera module 10 of the fixed height may not be able to take the face of the user whose height is much higher or lower than the fixed height; therefore, it is practical to set more on the ATM 1 The camera module 10 at different heights or a wide-angle lens or a fisheye lens is added to the single camera module 10, thereby increasing the shooting range of the camera module 10.
讀卡模組11供操作自動櫃員機1的使用者置入一金融卡，在使用者置入金融卡之後，讀卡模組11更用以發送驗證請求至金融卡或接收金融卡所發送之驗證回覆。實務上，讀卡模組11例如係讀卡機或其他可讀取晶片金融卡或磁條金融卡的硬體裝置。The card reader module 11 is configured to operate a user of the automated teller machine 1 to place a financial card. After the user inserts the financial card, the card reading module 11 is further configured to send a verification request to the financial card or to receive the verification sent by the financial card. Reply. In practice, the card reading module 11 is, for example, a card reader or other hardware device that can read a wafer financial card or a magnetic stripe financial card.
輸入模組12用以供操作自動櫃員機1之使用者輸入卡片密碼及交易內容，實務上，輸入模組12例如係一實體鍵盤或透過螢幕顯示的虛擬鍵盤。所述的卡片密碼係指置入讀卡模組11的金融卡的提款密碼。所述的交易內容例如係存款金額、提款金額、轉帳之金額或轉帳之帳號等金融交易項目。The input module 12 is configured to input the card password and the transaction content by the user operating the ATM 1. In practice, the input module 12 is, for example, a physical keyboard or a virtual keyboard displayed through a screen. The card password refers to the withdrawal password of the financial card placed in the card reading module 11. The transaction content is, for example, a financial transaction item such as a deposit amount, a withdrawal amount, an amount of transfer, or an account for transfer.
控制模組13用以接收攝像模組10拍攝到的待驗證影像；根據前述由使用者透過輸入模組12輸入的卡片密碼產生驗證請求，並將此驗證請求透過讀卡模組11發送至金融卡，同時從讀卡模組11接收金融卡發送之驗證回覆。若驗證回覆代表卡片密碼正確，則控制模組13產生提示訊息，此提示訊息用以提示使用者輸入交易內容，然後控制模組13接收使用者輸入完成的交易內容，控制模組13進一步指示通訊模組14發送交易內容。若驗證回覆代表卡片密碼錯誤，則控制模組13提示使用者重新輸入密碼或指示通訊模組發送一警示訊息。實務上，控制單元13例如係一般個人電腦之中央處理器（Central Processing Unit，CPU）、微處理器（Microprocessor）、數位信號處理器（Digital Signal Processor，DSP）、特殊應用積體電路（Application-Specific Integrated Circuit，ASIC）、其他類似元件或上述元件之組合，本創作並不限制控制單元13之硬體種類。The control module 13 is configured to receive the image to be verified captured by the camera module 10; generate a verification request according to the card password input by the user through the input module 12, and send the verification request to the financial system through the card reading module 11 The card receives the verification reply sent by the financial card from the card reading module 11 at the same time. If the verification reply indicates that the card password is correct, the control module 13 generates a prompt message for prompting the user to input the transaction content, and then the control module 13 receives the transaction content completed by the user input, and the control module 13 further instructs the communication. Module 14 sends the transaction content. If the verification reply indicates that the card password is incorrect, the control module 13 prompts the user to re-enter the password or instruct the communication module to send a warning message. In practice, the control unit 13 is, for example, a central processing unit (CPU), a microprocessor (Microprocessor), a digital signal processor (DSP), and a special application integrated circuit (Application- The specific integrated circuit (ASIC), other similar components, or a combination of the above components does not limit the hardware type of the control unit 13.
通訊模組14例如係一網路通訊晶片，用以根據控制模組13之指示發送待驗證影像及交易內容。The communication module 14 is, for example, a network communication chip for transmitting the image to be verified and the transaction content according to the instruction of the control module 13.
交易模組15用以根據控制模組13之指示執行一交易操作，所述的交易操作例如係依據交易內容中設定的提款金額提供相同數量的現鈔給使用者。而控制模組13指示的依據係驗證伺服器5所發送的可續行訊號以及交易內容，關於此可續行訊號將於後文敘述之。The transaction module 15 is configured to perform a transaction operation according to the instruction of the control module 13, for example, providing the same amount of cash to the user according to the withdrawal amount set in the transaction content. The control module 13 indicates the basis for verifying the renewable signal sent by the server 5 and the transaction content, and the continuation signal will be described later.
在本創作另一實施例中，自動櫃員機1更包括一顯示模組，顯示模組電性連接至控制模組13，並且用以即時呈現攝像模組10所拍攝之待驗證影像供使用者確認拍攝到的影像。此外，前文所述之「控制模組13產生提示訊息」及「控制模組13提示使用者重新輸入密碼」亦係透過顯示模組以文字或圖像方式呈現以供使用者檢視。實務上，顯示模組例如係：電漿顯示器（Plasma Display Panel）、液晶顯示器（Liquid-Crystal Display，LCD）、薄膜電晶體液晶顯示器（Thin Film Transistor Liquid Crystal Display，TFT-LCD）、發光二極體顯示器（Light-Emitting Diode Display，LED Display）有機發光二極體顯示器（Organic Light-Emitting Diode，OLED）或其他具有相近功能的顯示裝置。In another embodiment of the present invention, the automatic teller machine 1 further includes a display module. The display module is electrically connected to the control module 13 and is used to instantly display the image to be verified captured by the camera module 10 for confirmation by the user. The captured image. In addition, the "control module 13 generates a prompt message" and the "control module 13 prompts the user to re-enter the password" as described above are also presented by the display module in text or image for viewing by the user. In practice, the display module is, for example, a Plasma Display Panel, a Liquid-Crystal Display (LCD), a Thin Film Transistor Liquid Crystal Display (TFT-LCD), and a light-emitting diode. Light-Emitting Diode Display (LED Display) Organic Light-Emitting Diode (OLED) or other display device with similar functions.
在本創作一實施例中，當讀卡模組11偵測到卡片被置入時，便可通知控制模組13致能攝像模組10進行拍攝，並且即時透過通訊模組14將拍攝好的待驗證影像發送至驗證伺服器5。在本創作另一實施例中，控制模組13在卡片密碼輸入正確後，才致能攝像模組10進行拍攝，並且在使用者輸入完交易內容後才將交易內容與待驗證影像一併發送至驗證伺服器5。然而，本創作對於控制模組13致能攝像模組10 進行拍攝的時機，與通訊模組14發送待驗證影像的時機並不以上述實施例為限，實務上，設置自動櫃員機1的金融機構可根據驗證伺服器5的執行效率與通訊連線的傳輸效率綜合考量以決定何時進行拍攝並傳送影像。In an embodiment of the present invention, when the card reading module 11 detects that the card is placed, the control module 13 can be notified to enable the camera module 10 to take a picture, and the camera module 14 will immediately shoot through the communication module 14. The image to be verified is sent to the verification server 5. In another embodiment of the present invention, the control module 13 enables the camera module 10 to perform shooting after the card password is input correctly, and sends the transaction content together with the image to be verified after the user inputs the transaction content. To the verification server 5. However, the timing at which the control module 13 enables the camera module 10 to be photographed, and the timing at which the communication module 14 transmits the image to be verified is not limited to the above embodiment. In practice, the financial institution of the ATM 1 is set. According to the execution efficiency of the verification server 5 and the transmission efficiency of the communication connection, it is possible to decide when to shoot and transmit the image.
請參考圖1。驗證伺服器5通訊連接至自動櫃員機1的通訊模組14。在本創作一實施例中，驗證伺服器5包括帳戶資料庫50及運算模組51。實務上，驗證伺服器5例如係直立式伺服器(Pedestal server)、機架伺服器(Rack server)或刀鋒伺服器(Blade server)，本創作對驗證伺服器5之硬體種類不予限制。Please refer to Figure 1. The verification server 5 is communicatively coupled to the communication module 14 of the automated teller machine 1. In an embodiment of the present invention, the verification server 5 includes an account database 50 and an operation module 51. In practice, the verification server 5 is, for example, a Pedestal server, a Rack server, or a Blade server. This creation does not limit the hardware type of the verification server 5.
帳戶資料庫50包括複數個帳戶資訊，每一帳戶資訊係代表一使用者的個人資料。個人資料例如係使用者開戶時授權提供給金融機構作為個人身分驗證的依據。具體而言，一帳戶資訊中至少包括一第一參考影像；此第一參考影像例如係使用者在開戶時被拍攝的臉部影像，或是使用者提供的證件照，例如身分證或駕照之臉部影像。The account database 50 includes a plurality of account information, each account information representing a user's profile. Personal data, for example, is authorized by the user to provide financial institutions with the basis for personal identity verification when opening an account. Specifically, the account information includes at least one first reference image; the first reference image is, for example, a facial image that is taken by the user when the account is opened, or a photo provided by the user, such as an identity card or a driver's license. Face image.
運算模組51電性連接帳戶資料庫50，運算模組51用以比對待驗證影像與帳戶資料庫50中的第一參考影像是否相符。具體而言，運算模組51例如係微處理器、數位信號處理器、特殊應用積體電路、其他類似元件或上述元件之組合。關於運算模組51比對的方式，例如先以影像處理擷取待驗證影像的特徵點，並與儲存於帳戶資訊中第一參考影像的特徵點進行匹配，以判斷兩個影像之相似程度。The computing module 51 is electrically connected to the account database 50. The computing module 51 is configured to match whether the image to be verified matches the first reference image in the account database 50. Specifically, the computing module 51 is, for example, a microprocessor, a digital signal processor, a special application integrated circuit, other similar components, or a combination of the above. For the manner in which the computing module 51 compares, for example, the feature points of the image to be verified are first captured by image processing, and matched with the feature points of the first reference image stored in the account information to determine the similarity between the two images.
於此必須特別說明的是：在一實施例中，待驗證影像係與帳戶資料庫中的所有第一參考影像進行比對。而在另一實施例中，讀卡模組11更包括預先取得金融卡之帳號，控制模組13接收此帳號並指示通訊模組14將此帳號與待驗證影像及交易內容一併發送至驗證伺服器5，而在帳戶資料庫中的每一帳戶資訊係以帳戶號碼作為資料庫的主鍵（Primary Key），因此可先以帳戶號碼比對卡片帳號而挑選出與卡片帳號相同的一目標帳戶資訊，再比對此帳戶資訊的第一參考影像與待驗證影像，如此可以加快待驗證影像的比對速度。It must be specifically noted here that, in an embodiment, the image to be verified is compared with all first reference images in the account database. In another embodiment, the card reading module 11 further includes an account for obtaining the financial card in advance, and the control module 13 receives the account and instructs the communication module 14 to send the account to the verification image and the transaction content to be verified. Server 5, and each account information in the account database uses the account number as the primary key of the database, so the target account with the same card account can be selected by comparing the account number with the account number. The information, and the first reference image and the image to be verified for this account information, can speed up the comparison speed of the image to be verified.
關於特徵點辨識部分，可採用整體特徵或局部特徵其中一種方式實現；前者係將整個臉部影像當作單一特徵進行比對，後者則係先找出臉部的局部特徵，例如眼睛、鼻子、嘴巴、嘴角或眼角等，然後分別針對這些局部特徵進行比對，最後將個別局部特徵比對的結果整合而得到最終辨識結果。若運算模組51在帳戶資料庫中找到與待驗證影像相似程度在一指定比率以上的第一參考影像，則代表操作自動櫃員機1的使用者確為帳戶本人。因此，運算模組51產生一可續行訊號並由驗證伺服器5發送此可續行訊號至自動櫃員機1。可續行訊號係代表使用者通過臉部辨識的驗證程序，因此自動櫃員機1收到此可續行訊號後便可指示交易模組15根據使用者設定的交易內容執行一交易操作。基於上述的臉部辨識機制，本創作一實施例所揭露的交易系統，相較於傳統僅以卡片密碼作為安全驗證的自動櫃員機交易系統，更能夠即時預防詐騙集團派遣車手冒領的情況發生。The feature point identification part can be implemented by one of the overall features or the local features; the former compares the entire facial image as a single feature, and the latter first finds the local features of the face, such as the eyes, nose, The mouth, the corner of the mouth or the corner of the eye, etc., then compare these local features separately, and finally integrate the results of the individual local feature comparisons to obtain the final identification result. If the computing module 51 finds the first reference image in the account database that is similar to the image to be verified by a specified ratio, the user who operates the ATM 1 is the account owner. Therefore, the computing module 51 generates a renewable signal and sends the renewable signal to the automated teller 1 by the verification server 5. The continuation signal is a verification procedure for the user to pass the face recognition. Therefore, after receiving the continuation signal, the ATM 1 can instruct the transaction module 15 to perform a transaction operation according to the transaction content set by the user. Based on the face recognition mechanism described above, the transaction system disclosed in the embodiment of the present invention can prevent the fraudulent group from dispatching the driver to take the initiative in comparison with the traditional automatic teller machine transaction system which only uses the card password as the security verification.
請參考圖1。在本創作另一實施例中，為了增進基於臉部辨識進行驗證的安全性，驗證伺服器5更包括表情辨識模組52電性連接至帳戶資料庫50及運算模組51，表情辨識模組52用以分析待驗證影像中的臉部表情，例如生氣、厭惡、害怕、高興、驚訝和傷心等基本表情，並提供辨識結果至運算模組51。實務上，為了避免每個人的表情變化元素不盡相同而導致表情辨識模組52錯誤地辨識待驗證影像的表情，在建立帳戶資料庫51的帳戶資訊時，除了儲存使用者臉部影像作為第一參考影像外，更包括儲存使用者自行決定的臉部表情作為第二參考影像。因此，在驗證伺服器5收到自動櫃員機1傳來的交易內容及待驗證影像時，除了透過運算模組51根據帳戶資料庫50中的第一參考影像比對待驗證影像是否確為帳戶本人之外，更包括透過表情辨識模組52分析待驗證影像的表情以及第二參考影像的表情，表情辨識模組52將分析結果傳送至運算模組51以比對待驗證影像與第二參考影像之間的相近程度。另外，表情辨識模組52更可包括一機器學習功能。實務上，當待驗證影像可對應至帳戶資訊其中之一時，運算模組51更包括儲存待驗證影像及比對結果至所對應之帳戶資訊。換言之，透過將每次使用者至自動櫃員機前進行交易操作時所留存的待驗證影像加入表情辨識模組的類神經網路的訓練集中，可提升表情辨識模組可辨識類型的豐富度與歸類待驗證影像至一表情分類的準確度。另一方面，本創作並未限制第二參考影像僅具有一組表情。使用者可根據其常用的交易項目設置多組對應的表情並儲存至第二參考影像；例如領取一萬元的表情係眨左眼，領取五千元的表情係挑右眉。一般而言，當使用者受脅迫或非自願至自動櫃員機提領時，使用者通常會呈現生氣、厭惡或害怕的表情，而本創作在上述實施例所揭露的表情辨識模組51以及預先留存第二參考影像的設計將可協助運算模組51偵測出使用者被脅迫提領的狀況，再執行對應此種狀況的應對措施。Please refer to Figure 1. In another embodiment of the present invention, in order to improve the security of the verification based on the face recognition, the verification server 5 further includes an expression recognition module 52 electrically connected to the account database 50 and the operation module 51, and the expression recognition module 52 is used to analyze facial expressions in the image to be verified, such as angry, disgusting, scared, happy, surprised, and sad, and provide identification results to the computing module 51. In practice, in order to prevent the expression recognition module 52 from erroneously recognizing the expression of the image to be verified in order to prevent each person's expression change elements from being identical, when the account information of the account database 51 is established, in addition to storing the user's face image as the first In addition to a reference image, the method further includes storing a facial expression determined by the user as a second reference image. Therefore, when the verification server 5 receives the transaction content and the image to be verified transmitted by the automated teller machine 1, in addition to the first reference image in the account database 50 through the computing module 51, it is determined whether the image is the account owner. In addition, the expression recognition module 52 analyzes the expression of the image to be verified and the expression of the second reference image, and the expression recognition module 52 transmits the analysis result to the operation module 51 to compare the image to be verified with the second reference image. The similarity. In addition, the expression recognition module 52 may further include a machine learning function. In practice, when the image to be verified can correspond to one of the account information, the computing module 51 further includes storing the image to be verified and comparing the result to the corresponding account information. In other words, by adding the image to be verified that is retained each time the user performs the transaction operation to the ATM to the training network of the neural network of the expression recognition module, the richness and return of the recognizable type of the expression recognition module can be improved. The accuracy of the image to be verified to an expression classification. On the other hand, this creation does not limit the second reference image to have only one set of expressions. The user can set a plurality of corresponding expressions according to the commonly used transaction items and store them in the second reference image; for example, the expression of 10,000 yuan is attached to the left eye, and the expression of 5,000 yuan is used to pick the right eyebrow. In general, when the user is coerced or involuntarily to the ATM, the user usually presents an expression of anger, disgust, or fear, and the present invention is in the expression recognition module 51 disclosed in the above embodiment and retained in advance. The design of the second reference image will assist the computing module 51 in detecting the condition that the user is being coerced and unloaded, and then performing countermeasures corresponding to the situation.
在本創作又一實施例中，攝像模組10更包括紅外線溫度感測元件，例如紅外線熱顯像儀，用以取得使用者在操作自動櫃員機1時的體溫，同時通訊模組14所發送之待驗證影像中更包括此溫度資訊。驗證伺服器5的運算模組51在接收到此溫度資訊後，判斷其變化幅度是否超過一合理溫差範圍。一般而言，人類處於精神緊張或情緒激動時，體溫會不由自主地升高。因此，若運算模組51從溫度資訊中發現此現象，則將提高其本身對於待驗證影像與第一參考影像的相似度判斷標準，同時亦提高表情辨識模組52對於待驗證影像與第二參考影像的相似度判斷標準值。藉由上述機制，可以有效偵測出歹徒透過面具或易容方式偽裝原帳戶使用者進行盜領的情況，亦可以偵測出歹徒因違法行為的緊張感造成體溫異常變化，因此進一步提升本創作所敘述的基於臉部辨識進行驗證的交易系統的安全性。In another embodiment of the present invention, the camera module 10 further includes an infrared temperature sensing component, such as an infrared thermal imaging device, for obtaining the body temperature of the user when operating the automated teller machine 1, and the communication module 14 transmits the same. This temperature information is further included in the image to be verified. After receiving the temperature information, the operation module 51 of the verification server 5 determines whether the variation range exceeds a reasonable temperature difference range. In general, when a person is in a state of stress or agitation, the body temperature will rise involuntarily. Therefore, if the operation module 51 finds this phenomenon from the temperature information, it will improve its own similarity judgment standard for the image to be verified and the first reference image, and also improve the expression recognition module 52 for the image to be verified and the second. The standard value of the reference image is judged as a standard value. Through the above mechanism, it is possible to effectively detect the situation in which the culprits camouflage the original account users through masks or easy-to-capacity methods, and also detect abnormal changes in body temperature caused by the gangsters’ nervousness due to illegal behavior, thus further enhancing the creation. The described security of the transaction system based on face recognition verification.
在本創作再一實施例中，驗證伺服器5更包括警示模組電性連接至運算模組51。警示模組用以根據運算模組51的比對結果選擇性地發送一警示訊號，所述的警示訊號例如係撥打電話聯絡警調單位，或是發送簡訊至此帳戶所設定的緊急聯絡人。In still another embodiment of the present invention, the verification server 5 further includes an alert module electrically connected to the computing module 51. The warning module is configured to selectively send an alert signal according to the comparison result of the computing module 51, for example, by calling the telephone to contact the police unit or sending the short message to the emergency contact set by the account.
綜合以上所述，本創作所揭露的基於臉部辨識進行驗證的交易系統，藉由在自動櫃員機端拍攝使用者臉部影像並於遠端的驗證伺服器針對臉部影像及其表情進行分析比對，藉此判斷出使用者是否為持卡者本人以及使用者的臉部表情是否異常，因而有效降低了詐騙集團透過車手冒領被害者帳戶或是盜領人頭帳戶的可能，同時也能即時反映帳戶本人受威脅而非自願提領的狀況。換言之，本創作係根據使用者臉部的辨識機制為使用者的帳戶安全加上一道把關程序，在不過度影響使用者原本在自動櫃員機上操作流程的前提下，本創作所揭露的基於臉部辨識進行驗證的交易系統對於個人的帳戶安全而言無疑更有保障；對於金融機構而言，則可達到即時防堵詐騙或洗錢等不法金融行為的功效。In summary, the transaction system based on facial recognition disclosed in the present invention analyzes the facial image and its expression by capturing the facial image of the user at the ATM and verifying the facial image and its expression at the remote verification server. In this way, it is determined whether the user is abnormal whether the card holder and the user's facial expression are abnormal, thereby effectively reducing the possibility of the fraud group taking the victim account or stealing the head account through the driver, and also Instantly reflect the situation in which the account itself is threatened rather than voluntarily. In other words, this creation is based on the user's face recognition mechanism to add a check-up procedure to the user's account security, without prejudice to the user's original operating procedures on the ATM, based on the face disclosed in this creation. Identifying the verification of the trading system is undoubtedly more secure for individual account security; for financial institutions, it can achieve the effect of immediate anti-blocking fraud or money laundering and other illegal financial activities.
雖然本創作以前述之實施例揭露如上，然其並非用以限定本創作。在不脫離本創作之精神和範圍內，所為之更動與潤飾，均屬本創作之專利保護範圍。關於本創作所界定之保護範圍請參考所附之申請專利範圍。Although the present invention has been disclosed above in the foregoing embodiments, it is not intended to limit the present invention. The changes and refinements that are made without departing from the spirit and scope of this creation are within the scope of patent protection of this creation. Please refer to the attached patent application scope for the scope of protection defined by this creation.
1‧‧‧自動櫃員機1‧‧‧Automatic Teller Machine
10‧‧‧攝像模組10‧‧‧ camera module
11‧‧‧讀卡模組11‧‧‧Reading module
12‧‧‧輸入模組12‧‧‧ Input Module
13‧‧‧控制模組13‧‧‧Control Module
14‧‧‧通訊模組14‧‧‧Communication module
15‧‧‧交易模組15‧‧‧Transaction module
5‧‧‧驗證伺服器5‧‧‧Verification server
50‧‧‧帳戶資料庫50‧‧‧ Account Database
51‧‧‧運算模組51‧‧‧ Computing Module
52‧‧‧表情辨識模組52‧‧‧Expression recognition module
圖1係依據本創作一實施例所繪示的基於臉部辨識進行驗證的交易系統之架構圖。FIG. 1 is a structural diagram of a transaction system for verifying based on face recognition according to an embodiment of the present invention.
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Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| TWI687872B (en) * | 2018-03-31 | 2020-03-11 | 華南商業銀行股份有限公司 | Transaction system based on face recognitioin for verification and method thereof |
| TWI722337B (en) * | 2018-11-19 | 2021-03-21 | 玉山商業銀行股份有限公司 | Transaction system, automated teller machine and method for card-less transaction |
| TWI772666B (en) * | 2019-08-14 | 2022-08-01 | 兆豐國際商業銀行股份有限公司 | Financial service device and method for providing identity verification function |
| TWI775019B (en) * | 2019-12-05 | 2022-08-21 | 玉山商業銀行股份有限公司 | System and method for electronic transaction |
-
2018
- 2018-03-31 TW TW107204272U patent/TWM566865U/en not_active IP Right Cessation
Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| TWI687872B (en) * | 2018-03-31 | 2020-03-11 | 華南商業銀行股份有限公司 | Transaction system based on face recognitioin for verification and method thereof |
| TWI722337B (en) * | 2018-11-19 | 2021-03-21 | 玉山商業銀行股份有限公司 | Transaction system, automated teller machine and method for card-less transaction |
| TWI772666B (en) * | 2019-08-14 | 2022-08-01 | 兆豐國際商業銀行股份有限公司 | Financial service device and method for providing identity verification function |
| TWI775019B (en) * | 2019-12-05 | 2022-08-21 | 玉山商業銀行股份有限公司 | System and method for electronic transaction |
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