CN107358763A - A kind of method, apparatus and system of ATM checking identity - Google Patents

Abstract

The invention discloses a method for verifying the identity of an automatic teller machine, which achieves the purpose of verifying the identity of the user by comparing the fingerprint image of the user with the fingerprint image template stored in advance, wherein the fingerprint image template is the user identification entered by the user According to the query, there is no need to use bank cards and passwords, which reduces the risk of economic losses due to bank card loss or password leakage to users. In addition, user fingerprints are unique and highly recognizable, so fingerprint image verification is highly reliable. The device for verifying the identity of the user by the fingerprint has low cost and improves the intelligent performance of the automatic teller machine. The invention also discloses a device and system for verifying the identity of the automatic teller machine, which has the above-mentioned beneficial effects.

Description

Method, device and system for verifying identity of automatic teller machine

technical field

The invention relates to the field of automatic teller machines, in particular to a method, device and system for verifying the identity of an automatic teller machine.

Background technique

Automatic teller machines, also known as ATM machines, can provide bank users with self-service deposits and withdrawals, balance inquiries, transfers and other self-service transactions, providing users with simpler and more convenient financial transaction services, and can also reduce the workload of bank counter staff .

In recent years, although ATM machines have brought great convenience for people's lives, the hidden dangers of user's bank account security caused thereby also gradually increase. For example, many intrusion cameras steal user account passwords, and paste stolen bank card password devices on ATM machine buttons, etc. Therefore, only using bank card passwords as the unique identification of user identities can no longer guarantee the security of user bank accounts. In addition, the bank card is small in size and easy to lose, which also brings certain security risks to the user's bank account.

Contents of the invention

The purpose of the present invention is to provide a method for verifying the identity of an automatic teller machine, which solves the problems that the password of the user's bank account is easily leaked and the bank card is easily lost, and improves the security of the user's bank account. The present invention also provides an automatic withdrawal method. Devices and systems for machine authentication.

In order to solve the above-mentioned technical problems, the present invention provides a method for verifying the identity of an automatic teller machine, which may include:

Receive the user's instruction to start verifying identity input on the automatic teller machine; obtain the user's fingerprint image and user ID; search for a pre-registered fingerprint image template according to the user ID, wherein the fingerprint image template is bound to the user ID ; Sending the fingerprint image of the user and the fingerprint image template to a cloud server for comparison, and obtaining a comparison result; judging whether the user has passed identity verification according to the comparison result, so as to determine whether the user is allowed to perform Self-service trading operations.

Among them, after obtaining the user's fingerprint image and user ID, it also includes:

Repeat the operation of obtaining the fingerprint image of the user until the number N of the fingerprint images obtained reaches a preset number, wherein N is greater than or equal to 2; then perform the operation of comparing the fingerprint image of the user with the fingerprint image template.

Wherein, the described fingerprint image of the user and the fingerprint image template are sent to the cloud server for comparison, and the comparison result is obtained, and according to the comparison result, judging whether the identity verification of the user passes includes:

Send the fingerprint image and the fingerprint image template of the user to the cloud server; the cloud server obtains the fingerprint feature points of the fingerprint image, and compares them with the fingerprint feature points of the fingerprint image template, according to The comparison of the fingerprint feature points determines the image similarity rate; according to the image similarity rate, it is judged whether the image similarity rate exceeds the preset similarity rate threshold, and if so, the user passes the identity verification.

Wherein, the cloud server obtains the fingerprint feature points of the fingerprint image, and compares them with the fingerprint feature points of the fingerprint image template, and determining the image similarity includes:

Comparing the N fingerprint images of the user with the fingerprint image template respectively to obtain the similarity rates of the N fingerprint images; determining the image similarity rate according to the average of the similarity rates of the fingerprint images.

Wherein, the judging whether the user has passed the identity verification includes:

If it is judged that the user does not pass the identity verification, the operation of obtaining the fingerprint image and the user identification of the user is repeated, until the user does not pass the identity verification for M consecutive times, where M is the preset number of times of entering information;

After the user fails the authentication for M consecutive times, it also includes:

Stop acquiring the fingerprint image and user ID of the user.

Wherein, after the user fails the identity verification for M consecutive times, it also includes:

Lock the bank account of the user and issue an alarm signal.

The present invention also provides a device for verifying the identity of an automatic teller machine, including:

Receive instruction module, be used for receiving the instruction that the user enters on the automatic teller machine and starts verifying identity;

Fingerprint entry module, used to obtain the user's fingerprint image and user identification;

A fingerprint processing module, configured to search for a pre-registered fingerprint image template according to the user ID, wherein the fingerprint image template is bound to the user ID; send the fingerprint image and the fingerprint image template of the user to The cloud server is compared to obtain the comparison result;

Judgment and verification module, used for judging whether the user has passed identity verification according to the comparison result, so as to determine whether to allow the user to perform self-service transaction operation.

Wherein, the fingerprint entry module is used to repeat the operation of acquiring the user's fingerprint image after acquiring the user's fingerprint image and the user identification until the number N of the obtained fingerprint images reaches a preset number, wherein N is greater than or equal to 2; and performing an operation of comparing the fingerprint image of the user with the fingerprint image template.

Wherein, the judging verification module is configured to repeatedly execute the operation of obtaining the user's fingerprint image and user ID if it is judged that the user fails the identity verification until the user fails the identity verification for M consecutive times, where M is the predetermined Set the number of times to enter information;

The fingerprint entry module is used to stop acquiring the user's fingerprint image and user identification until the user fails the identity verification for M consecutive times

The present invention also provides a system for verifying the identity of an automatic teller machine, including:

Main chip, fingerprint acquisition sensor and cloud server;

Wherein, the fingerprint collection sensor is connected with the main chip, and is used to obtain the user's fingerprint image and user identification;

The main chip and the cloud server are connected through a network, and are used to receive an identity verification instruction input by a user on an automatic teller machine, and send the fingerprint image and the user identification to the cloud server;

The cloud server is used to search for a pre-registered fingerprint image template according to the user ID, wherein the fingerprint image template is bound to the user ID; Comparing to obtain a comparison result; judging whether the user has passed the identity verification according to the comparison result, so as to determine whether to allow the user to perform self-service transaction operations.

A method for verifying the identity of an automatic teller machine provided by the present invention uses the user identification to search for the fingerprint image template entered by the user in advance as a basis for judging the correctness of the user's fingerprint image, and uses the fingerprint image template entered by the user on the automatic teller machine through the cloud server. Compared with the fingerprint image template, the dependence on the local server hardware is reduced, and the flexibility is increased. According to the comparison result, it is judged whether the user is a legitimate user corresponding to the user ID. Since the fingerprint of each user is unique, the user fingerprint The recognition degree of the image is high, and compared with the deposit and withdrawal operation of the bank account with the bank card and the password, there is a risk of the bank card being lost and the password being stolen. In the present invention, it is safer to use the fingerprint to verify the identity of the user, and the fingerprint verification is also more secure. It is not easy to imitate and copy, which further ensures the safety of the user's bank account and reduces the risk of economic loss to the user to a certain extent. In addition, the fingerprint image verification has high reliability and low cost, which improves the security of the ATM. Intelligent performance.

The present invention also provides a device and system for verifying the identity of an automatic teller machine, which has the above-mentioned beneficial effects.

Description of drawings

In order to more clearly illustrate the embodiments of the present invention or the technical solutions of the prior art, the following will briefly introduce the accompanying drawings that need to be used in the description of the embodiments or the prior art. Obviously, the accompanying drawings in the following description are only For some embodiments of the present invention, those skilled in the art can also obtain other drawings based on these drawings without creative work.

Fig. 1 is the flow chart of a kind of embodiment of automatic teller machine verification identity provided by the present invention;

Fig. 2 is the flowchart of another specific embodiment of the automatic teller machine identity verification provided by the present invention;

Fig. 3 is a structural block diagram of the device for verifying the identity of the automatic teller machine provided by the embodiment of the present invention.

detailed description

In the current process of using ATMs, before providing users with self-service transaction services, customers need to insert their bank cards and then enter their passwords as a verification method for the legitimacy of the user's identity, but this verification method is very prone to passwords Leakage or loss of bank cards will bring unsafe hidden dangers to users' bank accounts.

At present, there are many kinds of identification technologies, among which the biometric identification technology with relatively high degree of recognition, such as iris recognition technology, has the problems of contact and unsanitary. It is easy to imitate and easy to copy.

The present invention adopts the fingerprint recognition technology applied to the identity verification of the automatic teller machine, which can solve the problem that bank cards and passwords are easy to be lost to a certain extent, and each person's fingerprint is unique and highly recognizable, and there is no Unhygienic and easy to imitate and other issues.

In order to enable those skilled in the art to better understand the solution of the present invention, the present invention will be further described in detail below in conjunction with the accompanying drawings and specific embodiments. Apparently, the described embodiments are only part of the embodiments of the present invention, not all of them. Based on the embodiments of the present invention, all other embodiments obtained by persons of ordinary skill in the art without creative efforts fall within the protection scope of the present invention.

A flow chart of a specific implementation of the automatic teller machine verification identity provided by the present invention is shown in Figure 1, and the method can include:

Step S101: receiving an instruction to start identity verification input by the user on the automatic teller machine.

Step S102: Obtain the fingerprint image and user identification of the user.

In the present invention, the self-service transaction carried out on the automatic teller machine includes various financial self-service transactions that can be performed on the automatic teller machine. Before self-service transactions on the ATM, without using a bank card, the user directly enters the identity verification instruction, and then enters the fingerprint and user ID to start the identity verification. The instruction to start the identity verification can be set on the ATM device A start button, the user can press the button to send an instruction, or the user can directly input the fingerprint to automatically generate an instruction to start identity verification, and there are other methods of instruction generation, which will not be listed here.

In addition, the user ID can be set as a user ID with a unique identification function similar to setting a password when the user creates an account, or it can be a number assigned to the user by the bank according to certain rules as the user ID. The logo can realize the technical solution of the present invention, but the former is cumbersome to set up, and if there are too many users, it is difficult to find a non-repeated logo, and both of them have the problem that it is difficult to remember and the user is easy to forget, so a more preferred The method is to use the user's ID number as the user identification. There is basically no duplication of ID numbers, and there are many occasions when users use ID numbers. Most users can remember their ID numbers, and most users are Those who are used to carrying their ID card with them bring convenience to the user to use the user ID.

In the actual application scenario, considering that there is no application that uses fingerprints to authenticate users on ATMs, in order to avoid users who are not familiar with the process and affect the efficiency of user authentication, and bring users a bad service experience , can be accompanied by voice prompts during the user's operation. For example, after the user enters the identity verification command, the user will be prompted "Please enter your fingerprint and ID card number". Whether it is passed, and what to do next, etc. Certainly, this is only a kind of preferred embodiment of the present invention, is not the necessary technical characterictic of the present invention.

Step S103: Search for a pre-registered fingerprint image template according to the user ID, wherein the fingerprint image template is bound to the user ID.

Both the user ID and the fingerprint image template are entered and bound to each other when the user establishes a bank account. Of course, it is not necessary to enter the fingerprint image and user ID when the user establishes a bank account, but at least when using the ATM The entry is completed before the self-service transaction.

Step S104: Send the fingerprint image of the user and the fingerprint image template to a cloud server for comparison, and obtain a comparison result.

The comparison of the fingerprint image and the fingerprint image template can be sent to the cloud server or other cloud platforms for operation, and can also be operated on the local server, all of which can realize the technical solution of the present invention, but the operation on the cloud server can reduce the Reliance on local server hardware increases flexibility. Therefore, a more preferred solution is to perform the operation on the cloud server.

Step S105: According to the comparison result, determine whether the user has passed the identity verification, so as to determine whether the user is allowed to perform self-service transaction operations.

Based on the above-mentioned embodiment, considering that when the user enters the fingerprint, the input fingerprint may be inaccurate due to the influence of factors such as the angle and the dryness and humidity of the finger, so the user can be allowed to enter the fingerprint several times, and the fingerprints entered multiple times will be combined. Determine whether the user authentication is passed.

In another specific embodiment provided by the present invention, may include:

After obtaining the user's fingerprint image and user identification, repeat the operation of obtaining the user's fingerprint image until the number N of the fingerprint images obtained reaches a preset number, wherein N is greater than or equal to 2; An operation of the fingerprint image and the fingerprint image template.

Specifically, the number of times N is required for the user to enter the fingerprint is set in advance. The larger the value of N, the more accurate the user's identity verification can be, but it will also increase the complexity of fingerprint image analysis during the verification process and reduce the efficiency of the verification process. Specifically, how to set an appropriate size of N can be confirmed through a large number of experiments or data investigations, and it can be confirmed that the user can generally obtain a more accurate comparison result when inputting fingerprint images several times.

Based on the above-mentioned embodiments, in another embodiment provided by the present invention, the sending of the fingerprint image of the user and the fingerprint image template to the cloud server can be compared to obtain a comparison result, and according to the comparison result , to judge whether the identity verification of the user has been further improved, which may specifically include:

Send the fingerprint image and the fingerprint image template of the user to the cloud server;

The cloud server obtains the fingerprint feature points of the fingerprint image, and compares them with the fingerprint feature points of the fingerprint image template, and determines the image similarity rate according to the comparison of the fingerprint feature points;

According to the image similarity rate, it is judged whether the image similarity rate exceeds the preset similarity rate threshold, if yes, the user passes the authentication.

Specifically, according to the topology theory, before comparing the fingerprint image with the fingerprint image template, the fingerprint image can be corrected from both the set and the gray level, and the image can be segmented according to the gradient field, equalized, smoothed, enhanced, and binarized. , to achieve the purpose of preprocessing the images, so that a clearer contrast fingerprint image can be obtained when the images are compared.

In addition, the fingerprint feature points of the fingerprint image can include fingerprint fork points, endpoints, center points, triangle points, and feature points for removing false fingerprints, and can also include other fingerprint feature points. After obtaining the fingerprint feature points of the fingerprint image, the fingerprint image can be The fingerprint feature points are processed to obtain the feature matrix, and the feature matrix is compared with the feature matrix of the fingerprint image template to obtain the image similarity rate.

The above-mentioned processing of fingerprint images and the processing of fingerprint feature points as feature matrix are a specific embodiment of the present invention, and image processing and fingerprint feature processing carried out in other ways can also realize the technical solution of the present invention.

If the image similarity rate is greater than the preset similarity rate threshold, it means that the user is a legitimate user of the bank account corresponding to the input user ID, and the user can further perform self-service transaction services.

Based on the foregoing embodiments, because the user has entered N fingerprint images when verifying identity, then there are multiple comparison methods between N fingerprint images and fingerprint image templates. In another specific embodiment provided by the present invention, it may include:

Comparing the N fingerprint images of the user with the fingerprint image templates respectively to obtain the similarity ratios of the N fingerprint images;

The image similarity rate is determined according to the average value of the similarity rates of the fingerprint images.

It should be noted that this method of comparing fingerprint images is not the only way to implement the present invention, it can also be a comprehensive processing of N fingerprint images to synthesize a relatively clear and accurate fingerprint image, and then compare it with the fingerprint image template , can also realize the technical solution of the present invention, and similar implementation modes will not be repeated here.

Based on any of the above-mentioned embodiments, considering that the user may have input fingerprints or user identification errors during the identity verification process, in another specific embodiment of the present invention, it may include:

If it is judged that the user does not pass the identity verification, the operation of obtaining the fingerprint image and the user identification of the user is repeated, until the user does not pass the identity verification for M consecutive times, where M is the preset number of times of entering information;

After the user does not pass the identity verification for M consecutive times, stop obtaining the user's fingerprint image and user identification.

It should be noted that the pre-set preset input times can be set according to actual needs, and a suitable M value can also be obtained through big data investigation. Specifically, it is more common to set M equal to 5, but this is not the present invention necessary technical features.

Said user among the present invention does not pass identity verification continuously M times and refers to that same user does not pass through identity verification to the same bank account number within a certain period of time.

In addition, in order to improve the efficiency of user input information, the ATM screen or voice prompts can inform the user of the number of times the information has been input, and the number of times the information is allowed to be input, so as to remind the user to enter information carefully and avoid repeated attempts by the user. After that, the problem of not being able to verify the identity ends up.

Based on the above embodiments, another specific embodiment provided by the present invention may include:

After the user does not pass the identity verification for M consecutive times, lock the user's bank account and send an alarm signal.

When the user fails the identity verification for M consecutive times, it can be suspected that the user is an illegal user. In order to ensure the economic property safety of the legal user, the bank account of the legal user can be frozen, and at the same time, relevant information and alarm signals can be sent. to the supervisor.

Based on the foregoing embodiments, the present invention provides a flow chart of another specific embodiment of automatic teller machine identity verification as shown in Figure 2, the method may include:

Step S201: The user presses the start key of the automatic teller machine to verify the identity.

Step S202: Prompt the user to input the user ID by voice.

Step S203: Prompt the user to input the fingerprint image by voice.

Specifically, the order of step S202 and step S203 can be interchanged.

Step S204: Determine whether the number of times the user has entered fingerprint images reaches N times, if yes, go to step S205, if not, go to step S203.

Step S205: Obtain the user image and user ID, and search for the user image template according to the user ID.

Step S206: Upload the fingerprint image and the fingerprint image template to the cloud server.

Step S207: The cloud server determines the image similarity between the fingerprint image and the fingerprint image template.

Step S208: Determine whether the similarity is greater than the preset similarity threshold, if yes, go to step S209, if not, go to step S210.

Step S209: After passing the user identity verification, the user can perform self-service transaction operations.

Step S210: Determine whether the user fails the identity verification for M consecutive times, if yes, go to step S211, if not, go to step S202.

Step S211: If the user identity verification fails, the user's bank account is locked, and an alarm signal is sent.

The device for verifying the identity of the automatic teller machine provided by the embodiment of the present invention is introduced below, and the device for verifying the identity of the automatic teller machine described below and the method for verifying the identity of the automatic teller machine described above can refer to each other correspondingly.

Fig. 3 is the structural block diagram of the device of the automatic teller machine verification identity that the embodiment of the present invention provides, with reference to Fig. 3 the device of automatic teller machine verification identity can include:

Receiving instruction module 100, is used for receiving the instruction that the user inputs on the automatic teller machine and begins to verify identity;

Fingerprint entry module 200, used to obtain the user's fingerprint image and user identification;

The fingerprint processing module 300 is configured to search for a pre-registered fingerprint image template according to the user identifier, wherein the fingerprint image template is bound to the user identifier; and send the fingerprint image and the fingerprint image template of the user Go to the cloud server for comparison and obtain the comparison result;

Judgment and verification module 400, for judging whether the user has passed identity verification according to the comparison result, so as to determine whether to allow the user to perform self-service transaction operation

As a specific embodiment, the device for verifying the identity of the automatic teller machine provided by the present invention can further include:

The fingerprint entry module is used to repeat the operation of obtaining the user's fingerprint image after obtaining the user's fingerprint image and the user identification, until the number N of the obtained fingerprint images reaches a preset number, wherein N is greater than or equal to 2; then perform the comparison An operation of the fingerprint image of the user and the fingerprint image template.

As a specific embodiment, the device for verifying the identity of the automatic teller machine provided by the present invention can further include:

The judgment and verification module is used to repeat the operation of obtaining the user's fingerprint image and user ID if it is judged that the user has not passed the identity verification, until the user fails the identity verification for M consecutive times, where M is a preset input number of messages;

The fingerprint entry module is used to stop obtaining the user's fingerprint image and user identification until the user fails the identity verification for M consecutive times.

The device for verifying the identity of the automatic teller machine of this embodiment is used to realize the aforementioned method for verifying the identity of the automatic teller machine, so the specific implementation of the device for verifying the identity of the automatic teller machine can be seen in the implementation of the method for verifying the identity of the automatic teller machine in the foregoing In the example part, for example, the receiving instruction module 100 is used to realize step S101 in the method for verifying the identity of the above-mentioned automatic teller machine, the fingerprint input module 200 is used to realize the above-mentioned step S102, and the fingerprint processing module 300 is used to realize the above-mentioned step S103 and step S104. The verification module 400 is used to implement the above step S105, so, for its specific implementation, reference may be made to the descriptions of the corresponding partial embodiments, and details will not be repeated here.

In addition, the present invention also provides a system for verifying the identity of an automatic teller machine, which may include:

Main chip, fingerprint acquisition sensor and cloud server;

Wherein, the fingerprint collection sensor is connected with the main chip, and is used to obtain the user's fingerprint image and user identification;

The main chip and the cloud server are connected through a network, and are used to receive an identity verification instruction input by a user on an automatic teller machine, and send the fingerprint image and the user identification to the cloud server;

The cloud server is used to search for a pre-registered fingerprint image template according to the user ID, wherein the fingerprint image template is bound to the user ID; Comparing to obtain a comparison result; judging whether the user has passed the identity verification according to the comparison result, so as to determine whether to allow the user to perform self-service transaction operations.

Each embodiment in this specification is described in a progressive manner, each embodiment focuses on the difference from other embodiments, and the same or similar parts of each embodiment can be referred to each other. For the device disclosed in the embodiment, because it corresponds to the method disclosed in the embodiment, it is relatively simple to describe, and for relevant parts, please refer to the description of the method part.

Professionals can further realize that the units and algorithm steps of the examples described in conjunction with the embodiments disclosed herein can be implemented by electronic hardware, computer software or a combination of the two. In order to clearly illustrate the possible For interchangeability, in the above description, the composition and steps of each example have been generally described according to their functions. Whether these functions are implemented by hardware or software depends on the specific application and design constraints of the technical solution. Skilled artisans may use different methods to implement the described functions for each specific application, but such implementation should not be regarded as exceeding the scope of the present invention.

The steps of the methods or algorithms described in conjunction with the embodiments disclosed herein may be directly implemented by hardware, software modules executed by a processor, or a combination of both. Software modules can be placed in random access memory (RAM), internal memory, read-only memory (ROM), electrically programmable ROM, electrically erasable programmable ROM, registers, hard disk, removable disk, CD-ROM, or any other Any other known storage medium.

The automatic teller machine identity verification method device and system provided by the present invention have been introduced in detail above. In this paper, specific examples are used to illustrate the principles and implementation methods of the present invention, and the descriptions of the above embodiments are only used to help understand the method and core idea of the present invention. It should be pointed out that for those of ordinary skill in the art, without departing from the principle of the present invention, some improvements and modifications can also be made to the present invention, and these improvements and modifications also fall within the protection scope of the claims of the present invention.

Claims (10)

1. A kind of 1. method of ATM checking identity, it is characterised in that including：

   Receive the instruction for the checking identity that user inputs on ATM；

   Obtain the fingerprint image and user's mark of user；

   According to the fingerprint image template of the advance typing of user's identifier lookup, wherein, the fingerprint image template and the use Family mark binding；

   The fingerprint image of the user and the fingerprint image template are sent to cloud server and contrasted, acquisition pair Compare result；

   According to the comparing result, whether the user is judged by authentication, to determine whether that the user enters Row self-service dealing operates.
2. 2. according to the method for claim 1, it is characterised in that after the fingerprint image of user and user's mark is obtained also Including：

   The operation for obtaining the fingerprint image of user is repeated, until the quantity N for obtaining the fingerprint image reaches predetermined number, Wherein N is more than or equal to 2；The behaviour contrasted to the fingerprint image of the user and the fingerprint image template is performed again Make.
3. 3. according to the method for claim 2, it is characterised in that described by the fingerprint image of the user and the finger Print image template, which is sent to cloud server, to be contrasted, and obtains comparing result；According to the comparing result, the user is judged Verify identity whether by including：

   The fingerprint image of the user and the fingerprint image template are sent to the cloud server；

   The cloud server obtains the fingerprint feature point of the fingerprint image, and with the fingerprint characteristic of the fingerprint image template Point contrast, according to the contrast of fingerprint feature point, determines image likelihood；

   According to described image likelihood, judge whether described image likelihood exceedes default likelihood threshold value, if it is, described User passes through authentication.
4. 4. according to the method for claim 3, it is characterised in that the cloud server obtains the fingerprint of the fingerprint image Characteristic point, and contrasted with the fingerprint feature point of the fingerprint image template, according to the contrast of fingerprint feature point, determine that image is similar Rate includes：

   N number of fingerprint image of the user is contrasted with the fingerprint image template respectively, obtains N number of fingerprint image Likelihood；

   According to the average value of the likelihood of the fingerprint image, described image likelihood is determined.
5. 5. according to the method described in any one of Claims 1-4, it is characterised in that described to judge whether the user passes through body Part checking includes：

   If it is determined that the user repeats the fingerprint image of acquisition user and the behaviour of user's mark not by authentication Make, until user's continuous N is not time by authentication, wherein, M is default typing information number；

   Also include after until user's continuous N time not by authentication：

   Stop obtaining the fingerprint image and user's mark of the user.
6. 6. according to the method for claim 5, it is characterised in that after user's continuous N time is not by authentication Also include：

   The bank account of the user is locked, and sends alarm signal.
7. A kind of 7. device of ATM checking identity, it is characterised in that including：

   Receive instruction module, the instruction of the checking identity inputted for receiving user on ATM；

   Fingerprint recording module, for obtaining the fingerprint image and user's mark of user；

   Fingerprint Processing Module, for according to the advance typing fingerprint image template of user's identifier lookup, wherein, the fingerprint image Bound as template identifies with the user；The fingerprint image of the user and the fingerprint image template are sent to high in the clouds Server is contrasted, and obtains comparing result；

   Authentication module is judged, for according to the comparing result, whether the user being judged by authentication, to determine to be It is no to allow the user to carry out self-service dealing operation.
8. 8. device according to claim 7, it is characterised in that the fingerprint recording module is used to obtain the fingerprint of user After image and user's mark, repeat to obtain the operation of the fingerprint image of user, until the quantity N for obtaining the fingerprint image reaches To predetermined number, wherein N is more than or equal to 2；Perform again and the fingerprint image of the user and the fingerprint image template are entered The operation of row contrast.
9. 9. the device according to claim 6 or 7, it is characterised in that the judgement authentication module is specifically used for：If it is determined that The user by authentication, does not repeat the operation of the fingerprint image for obtaining user and user's mark, until the use Family continuous N is secondary not by authentication, wherein, M is default typing information number；

   The fingerprint recording module, for after until user's continuous N time not by authentication, stopping obtaining institute State the fingerprint image and user's mark of user.
10. A kind of 10. system of ATM checking identity, it is characterised in that including：Master chip, fingerprint collecting sensor and cloud Hold server；

    Wherein, the fingerprint collecting sensor is connected with the master chip, for obtaining the fingerprint image and user's mark of user Know；

    The master chip is connected with the cloud server by network, is inputted on ATM for receiving user The instruction of identity is verified, the fingerprint image and the user are identified and sent to the cloud server；

    The cloud server is used for the fingerprint image template according to the advance typing of user's identifier lookup, wherein, the finger Print image template is identified with the user and bound；The fingerprint image of the user and the fingerprint image template are carried out pair Than obtaining comparing result；According to the comparing result, whether the user is judged by authentication, to determine whether to permit Perhaps described user carries out self-service dealing operation.