The utility model content
The purpose of this utility model provides a kind of financial terminal and financial sector, in order to a kind of technology that can allow the user realize identity validation operation in the financial transaction by handwriting input to be provided.
A kind of financial terminal is characterized in that this terminal comprises:
The financial transaction module is arranged in the financial terminal, in order to realize the device architecture of finance trade function;
Handwriting inputting structure, it be cooperating described financial transaction terminal setting can make the modular structure of induction and record to hand-written information, and include in order to handwriting and be transformed into the person's handwriting input control module that system can accept data the user;
Person's handwriting identification financial terminal authority management module is to decide the user to enter the modular structure of aforementioned financial transaction module authority in order to the person's handwriting recognition result that receives place financial sector generation.
Described financial transaction module is one of the identity validation module of corresponding the POS machine financial transaction module of financial POS machine, corresponding the self-service automatic teller machine transaction modules of self-service automatic teller machine, corresponding night bank, password load module of corresponding financial counter transaction.
Handwriting inputting structure in the described financial terminal, be by matching with terminal device touch pad, touch-screen, image pick-up type handwriting inputting structure, displacement detecting handwriting inputting structure one of them.
Described handwriting inputting structure, it is divided into the two parts that link together, what a part was provided with is the numerical ciphers input keyboard, another part setting be touch pad.
For the financial POS machine terminal, set handwriting inputting structure is the touch pad that is connected with the other parts of financial POS machine terminal by connecting line.
For this financial terminal of self-service automatic teller machine, its handwriting inputting structure is the touch-screen that shows purpose as financial transaction.
For this financial terminal of self-service automatic teller machine, its handwriting inputting structure is arranged on the touch pad on automatic teller machine display screen next door.
Corresponding described person's handwriting input control module is provided with in order to user's handwriting input content is carried out the person's handwriting biological characteristic and analyzes and the graphology analysis module of extracting.
Corresponding described person's handwriting input control module is provided with in order to limit the user and attempts the person's handwriting identification number of attempt administration module that person's handwriting identification obtains the authority permission.
In person's handwriting input control module in the described handwriting inputting structure and the person's handwriting identification financial terminal authority management module, the first adopts individual chips to realize at least.
A kind of financial sector, it is achieved in that this system comprises:
Financial terminal, this financial terminal includes A financial transaction module, be arranged in the financial terminal, in order to realize the device architecture of finance trade function, the B handwriting inputting structure, it is the modular structure that can make induction and record to hand-written information that is cooperating described financial transaction terminal setting, and include in order to handwriting and be transformed into the person's handwriting input control module that system can accept data the user, C person's handwriting identification financial terminal authority management module is to decide the user to enter the modular structure of aforementioned financial transaction module authority in order to the person's handwriting recognition result that receives place financial sector generation;
Communication network is in order to be connected the communication network between above-mentioned financial terminal and the following handwriting recognition system server, in order to the person's handwriting related information that handwriting information and system server generated of transmission financial terminal;
The handwriting recognition system server, it includes the standard handwriting module in order to storage validated user standard handwriting, and in order to store the person's handwriting module to be identified of information to be identified, and financial client information-client's person's handwriting respective modules, it is modular structure in order to the specific handwriting information of storing specific financial client, and transfer the person's handwriting identification module that relatively reaches identification that handwriting information in person's handwriting module to be identified and the standard handwriting module carries out person's handwriting, and person's handwriting identification permission system administration module, be to decide the user to enter the modular structure of aforementioned financial transaction module authority in order to receive the person's handwriting recognition result that handwriting recognition module produced.
Further, financial transaction module in the described financial terminal is one of the identity validation module of corresponding the POS machine financial transaction module of financial POS machine, corresponding the self-service automatic teller machine transaction modules of self-service automatic teller machine, corresponding night bank, password load module of corresponding financial counter transaction.
Handwriting inputting structure in the described financial terminal, be by matching with terminal device touch pad, touch-screen, image pick-up type handwriting inputting structure, displacement detecting handwriting inputting structure one of them.
Described communication network is the one at least in financial special line, internet, the mobile radio communication.
Advantage of the present utility model is: carry out authentication by person's handwriting identification in the utility model, good confidentiality, safe, simultaneously, need not keep long numerical ciphers firmly in mind, can bring higher safety guarantee and facility for bank card business dealing, financial counter transaction, various financial payment operations etc.
Embodiment
Below with reference to accompanying drawing, the utility model is described further in conjunction with specific embodiment.
Join shown in Figure 1ly, showed the synoptic diagram of financial sector 100 described in the utility model.
The described financial sector 100 of the utility model, total system are for the user, and the affirmation of its legal identity is operated, the user right permission that need include person's handwriting identification and discern based on person's handwriting.For realizing this purpose, native system includes following ingredient:
I financial terminal 200;
II communication network 300;
III handwriting recognition system server 500.
● financial terminal 200 wherein, it includes:
A financial transaction module is arranged in the financial terminal, in order to realize the device architecture of finance trade function.In the utility model, with the original finance trade function institute of each financial transaction terminal corresponding each structure, all be referred to as the financial transaction module.
So, corresponding financial POS machine, its financial transaction module is a POS machine financial transaction module; Corresponding self-service automatic teller machine, its financial transaction module is self-service automatic teller machine transaction modules; Corresponding night bank, its financial transaction module is bank's identity validation module at night; Corresponding financial counter transaction, its financial transaction module is including, but not limited to the password load module.
Described night bank, it is such: it includes unidirectional cash savings case, can only put into, can't directly be taken out by client; The user puts into cash in the cash parcel and signs user name, second day then, is opened the cash parcel and be user's deposit under open situation by bank.Night, bank extensively existed abroad.Current bank at night signs by personal handwritten and realizes identity validation.In the utility model, set bank's identity validation module at night is discerned the affirmation function that realizes personal identification by person's handwriting.
B handwriting inputting structure 600, ginseng Fig. 2 waits shown in the accompanying drawing, it be cooperating described financial transaction terminal setting can make the modular structure of induction and record to hand-written information, and include in order to handwriting and be transformed into the person's handwriting input control module that system can accept data the user.
Obviously, handwriting inputting structure is provided with at the financial terminal place, in order to the handwriting information of recording user.And, need carry out data preparation to the handwriting information that is write down, comprise data analysis, classification or compression etc., so that be delivered among the system quickly and efficiently.The person's handwriting input control module carries out data processing in order to the information of identifying the handwriting.
And described handwriting inputting structure, as long as handwriting information that can recording user does not specifically limit.
As typical embodiment, the utility model has been introduced three kinds of typical embodiment, can be described in Fig. 2, Fig. 3, Fig. 4 respectively.
As shown in Figure 2, in this embodiment, its financial terminal is a financial POS machine 210.Described handwriting inputting structure 600 realizes by touch pad 610.This touch pad 610 is independent handwriting input structures that are provided with, and can be connected with financial POS machine 210 by connecting line.
As shown in Figure 3, among this embodiment, its financial terminal is self-service automatic teller machine 220.For self-service automatic teller machine 220, its handwriting inputting structure 600 can directly realize by touch-screen 620, in addition, also can realize by the touch pad 610 by the display screen that is arranged on automatic teller machine.In the present embodiment, touch pad 610 just is arranged on the next door of the original keyboard of self-service automatic teller machine.
As shown in Figure 4, among this embodiment, what showed is financial transaction sales counter 230, such as, can be the financial transaction sales counter of bank.On this sales counter, the password input structure is set, in this embodiment, showed and a kind ofly both can import handwriting information, simultaneously structure that also can input digit one class character information.
Particularly, it is achieved in that
It is divided into the two parts that link together, and what a part was provided with is the numerical ciphers input keyboard, another part setting be touch pad.In addition, can also be equipped with special-purpose writing pencil 630 aside as required.Certainly, the input media of this structure can be used as the input structure of various financial terminals.
In addition, input structure also has two kinds of other selections, is respectively image pick-up type handwriting inputting structure and displacement detecting handwriting inputting structure.
Described image pick-up type handwriting inputting structure is by the shooting principle, comes user's handwriting information is carried out record, thereby further makes the version of identification.This structure need with the supporting setting of financial terminal.
Described displacement detecting handwriting inputting structure, it can be arranged on the financial terminal, and can move the position of self and survey, thus the input purpose of realization person's handwriting.Such as, the displacement vector detection mode of Genius mouse just can be considered as a kind of embodiment.
C person's handwriting identification financial terminal authority management module is to decide the user to enter the modular structure of aforementioned financial transaction module authority in order to the person's handwriting recognition result that receives place financial sector generation.The identification that this part-structure system that receives produces is just sent the permission that can carry out financial transaction to the user by after the information; Otherwise, do not send the financial transaction permission.
● communication network 300 wherein, it is in order to be connected the communication network between above-mentioned financial terminal 200 and the following handwriting recognition system server 500, in order to the handwriting information of transmission financial terminal 200 and the person's handwriting related information that handwriting recognition system server 500 is generated.
Described communication network 300 can adopt the wherein one at least in financial special line, internet, the mobile radio communication; Other communication network as long as can realize the purpose of data transmission, also all is fine.
● handwriting recognition system server 500 wherein, its a plurality of ingredient is respectively:
1. in order to store the standard handwriting module 510 of validated user standard handwriting.
2. financial client information-client's person's handwriting respective modules 520 is the modular structures in order to the specific handwriting information of storing specific financial client.
3. in order to store the person's handwriting module 550 to be identified of information to be identified.
4. carry out the person's handwriting identification module 530 that person's handwriting relatively reaches identification in order to the handwriting information of transferring in person's handwriting submodule to be identified and the standard handwriting submodule.
5. person's handwriting identification permission system administration module 540, are to decide the user to enter the modular structure of aforementioned financial transaction module authority in order to receive the person's handwriting recognition result that handwriting recognition module produced.
In the course of the work, there is standard handwriting information in the standard handwriting module 510.When user's financial transaction, must have financial client information and be sent in the handwriting recognition system server 500, this Financial Information as an example, can be bank card number, client's title, client's number of the account, personal user's identification card number, or the like.Store the handwriting information that the client imports for activity financial transaction permission in the person's handwriting module 550 to be identified.After 530 discriminatings of person's handwriting identification module, by person's handwriting identification permission system administration module 540 the authority result is passed to user place financial terminal again.
It is pointed out that handwriting recognition system server 500 should be subordinated to function financial sector server 400 more widely.This financial sector server 400, the general name of the server of serving financial transaction that general reference is connected with financial terminal 200.But, therefore, this handwriting recognition system server 500 is described mainly because handwriting recognition system server 500 is closely related with person's handwriting identification described in the utility model.
The using method of aforementioned financial sector, as further description, it should include following steps:
Step 1: the user sets up the standard handwriting information bank of oneself earlier.
Setting up the optimal way of standard handwriting information bank, is in financial place, such as carrying out on the sales counter of bank, finishes the learning process of handwriting information by importing more individual handwriting information.Certainly, also can provide the handwriting information of having finished writing directly to discern handwriting information study, thereby set up the standard handwriting information bank by the user as requested.
And non-limiting, the input mode of user's standard handwriting can adopt financial institution's sales counter input and provide the mode of writing sample one to carry out as preferred embodiment.
For example and without limitation, the feature that handwriting information comprised includes the abstract content information of person's handwriting and the biological characteristic of person's handwriting.Such as validated user has been imported " Wang Si " these two words, and so, the abstract character content of " Wang Si " these two words is no matter anyone writes, also no matter any ways of writing also all is the content of these two words.
But different people writes " Wang Si " these two words, have different biological characteristics again, the stroke layout that comprises font inside, arrangement mode in the font between each stroke, the force method of font stroke, or the like, these are exactly the biological characteristic of user's handwriting information because of the writing feature that the people becomes.
Step 2: the user is in financial transaction, and carrying out with the handwriting identification identity confirming at the financial terminal place is the person's handwriting input of purpose.
This financial transaction, the various financial transactions that the general reference user implements possibly, and also described financial terminal is made a general reference the various terminals that can carry out financial transaction.For realizing the identity validation of transaction, provide the person's handwriting input information as required.
Step 3: the user is transferred in the handwriting recognition system server 500 through communication network 300 at the handwriting information that financial terminal is imported.
The user finishes after the person's handwriting input, and the person's handwriting input control module on the financial terminal can be identified the handwriting and be carried out initial analysis, is transferred in the handwriting recognition system server 500 through communication network 300 then.
Step 4: in the handwriting recognition system server,, obtain user's standard handwriting information, thereby the person's handwriting to be identified of this input of user is compared identification by calling financial client information-client's person's handwriting respective modules 520.
The information that financial terminal transmitted that handwriting recognition system server 500 is received includes two aspects, and the one, financial client information is such as user's number of the account, open an account name, bank card number etc., the 2nd, the handwriting information that this client imported.
By financial client information-client's person's handwriting respective modules, just can find corresponding client, thereby access this client's sign handwriting information, realize the comparison and identification of handwriting information.
Relatively, its degree of agreement sets similarity threshold in advance greater than the user, so, just looks the user of this enforcement person's handwriting input, is validated user; Otherwise the user that then will implement the person's handwriting input is considered as the disabled user.
This similarity threshold relatively can be set up on their own by the real needs of validated user according to privacy degrees; Certainly, also can set by the equipment supplier.
Step 5: determine user's financial transaction permissions according to user's person's handwriting recognition result, and License Info is transferred to financial transaction terminal.
The result of identification mainly comprises two kinds, and a kind of is the permission financial transaction, or disapproves financial transaction, and another kind is that permitted user is carried out the person's handwriting input once more and attempted, or disapproves the user and carry out the person's handwriting input once more and attempt.
In described step 4, if the user discerns the number of times of trial continuously greater than person's handwriting identification number of times thresholding, system will refuse to attempt, end operation, if discerning the number of times of trial continuously, the user is less than or equal to the number of times thresholding, just can be transferred to step 3, proceed identification and attempt.
In described step 4, only, just can be transferred to step 3 discerning interlude more than or equal to the time thresholding, proceed identification and attempt, if identification at interval less than time thresholding T, then can not continue trial, end operation.
More than be to description of the present utility model and non-limiting, based on other embodiment of the utility model thought, all among protection domain of the present utility model.