Identity confirmation method and system based on mother-solid-child-virtual account architecture, and intelligent terminal

Abstract

The invention relates to an identity confirmation method and system based on a mother-solid-child-virtual account architecture and an intelligent terminal, and relates to the field of remittance transactions, and the method comprises the steps: obtaining remittance information; determining a remittance name according to the remittance information; judging whether the remittance account is a sub-account or not according to the remittance name; when the remittance account is a sub-account, determining a remittance identity according to the remittance name; generating a remittance record according to the remittance identity and the remittance information; and controlling a preset display device to inform a worker according to the remittance record. The method has the advantages that the convenience of remittance transaction is improved, and a payee can conveniently correspond to the child account and the mother account of the remitter.

Description

Technical Field

[0001] The present invention relates to the field of remittance transactions, and more particularly to an identity confirmation method, system and intelligent terminal based on the architecture of a master real and sub-virtual accounts. Background Art

[0002] The architecture of a master real and sub-virtual accounts refers to a common account management mode in the fields of finance, accounting, etc., which consists of a master account with actual existence, real fund transactions and balances, and virtual sub-accounts established on the basis of the master account without independent fund entities.

[0003] In the prior art, an enterprise can realize centralized control of funds for multiple subordinate departments, branches or projects through the architecture of a master real and sub-virtual accounts, improve the efficiency of fund use. When the enterprise needs to initiate a remittance, it can directly transfer the funds of the master account through the sub-account for remittance, so as to reduce the operation of the master account by adding sub-accounts and improve the security of the master account.

[0004] When the remitter remits money through the sub-account, the recipient can only obtain the account information of the sub-account, which makes it difficult for the recipient to correspond the sub-account with the master account, and further increases the difficulty of the recipient's financial accounting. Summary of the Invention

[0005] In order to improve the convenience of remittance transactions and facilitate the recipient to correspond the remitter's sub-account with the master account, the present invention provides an identity confirmation method, system and intelligent terminal based on the architecture of a master real and sub-virtual accounts.

[0006] In a first aspect, the present invention provides an identity confirmation method based on the architecture of a master real and sub-virtual accounts, adopting the following technical solutions: An identity confirmation method based on the architecture of a master real and sub-virtual accounts includes: Obtaining remittance information; Determining the remittance name according to the remittance information; Judging whether the remittance account is a sub-account according to the remittance name; When the remittance account is a sub-account, determining the remittance identity according to the remittance name; Generating a remittance record according to the remittance identity and the remittance information; Controlling a preset display device to notify the staff according to the remittance record.

[0007] By adopting the above technical solutions, when receiving a remittance, the name of the remitter is checked. Thus, when the name of the remitter contains the unique words of the sub-account number, it is judged that the account initiating the remittance is a sub-account number, and the master account number is queried according to the name of the remitter, so as to record the master account number for subsequent accounting and improve the convenience of remittance transactions.

[0008] Optionally, it further includes: When the remittance account is not a sub - account, determine the remittance bank according to the remittance information; Determine the reference length of the virtual account according to the remittance bank; Determine the remittance account according to the remittance information; Determine the account length according to the remittance account; When the account length is the same as the reference length, determine the remittance identity according to the remittance name.

[0009] By adopting the above - mentioned technical solution, the lengths of virtual accounts of different banks are different. Check the length of the remitter's account and compare it with the length of the virtual account of the corresponding bank, so as to judge whether the account is a virtual account. When the remitter's account is a virtual account, query the parent account according to the remitter's name, and record the parent account for subsequent accounting convenience.

[0010] Optionally, it further includes: When the account length is inconsistent with the reference length, determine the account - opening time according to the remittance account; Determine the establishment time according to the remittance name; Determine the account - opening time difference according to the establishment time and the account - opening time; Judge whether the remittance account is the parent account according to the account - opening time difference; When the remittance account is not the parent account, determine the remittance identity according to the remittance name.

[0011] By adopting the above - mentioned technical solution, the account - opening time of the company's parent account is often close to the company's establishment time. Check the account - opening time of the remitter's account and compare it with the company's establishment time of the remitter, so as to judge whether the remitter's account is the parent account. When the remitter's account is not the parent account, query the parent account according to the remitter's name, improving the convenience of remittance transactions.

[0012] Optionally, it further includes a receipt confirmation method, and the receipt confirmation method includes: Determine the receipt name according to the remittance information; Retrieve the historical remittance according to the receipt name; Determine the historical time according to the historical remittance and the remittance name; Determine the regular time according to the historical time; Determine the remittance time according to the remittance information; When the regular time is inconsistent with the remittance time, control the preset display device to issue a preset remittance exception prompt.

[0013] By adopting the above technical solution, the remittance records with the same remittance name and payee name are retrieved to check whether there is a regular remittance. When there is a regular remittance, check whether the remittance time is close to the regular remittance time. When the remittance time is different from the regular remittance time, determine that the remittance is abnormal and prompt the staff through the display device.

[0014] Optionally, the payee confirmation method further includes: Determine the historical use based on the regular time; Determine the remittance use according to the remittance information; Determine the use time according to the regular time, historical use and remittance use; When the use time is inconsistent with the remittance time, control the preset display device to issue a preset remittance anomaly prompt.

[0015] By adopting the above technical solution, the records consistent with the remittance use are screened out from the remittance records with the same remittance name and payee name, so as to check whether there is a regular remittance for this use. When the remittance time is different from the regular remittance time, determine that the remittance is abnormal and prompt the staff through the display device.

[0016] Optionally, it further includes a personnel confirmation method, and the personnel confirmation method includes: Obtain the receipt image of the payee; Determine the facial features according to the receipt image; Determine the facial parameters based on the facial features; Retrieve the reference parameters according to the payee name; Judge whether the operator is the account holder according to the facial parameters and the reference parameters; When the operator is not the account holder, control the preset display device to issue a preset operation anomaly prompt.

[0017] By adopting the above technical solution, when someone views the remittance records through the display device, it is judged whether the person viewing the remittance records is the holder of the payee account through facial recognition technology, and a prompt is issued through the display device when the person is not the holder of the payee account, so as to reduce the leakage of remittance information.

[0018] Optionally, the personnel confirmation method further includes: When the operator is the account holder, determine the receipt expression according to the facial parameters; When the receipt expression falls into the preset negative range, control the preset display device to issue a preset remittance confirmation voice and obtain the voice information; Judge whether the remittance information is correct according to the voice information; When the remittance information is incorrect, generate a transaction anomaly warning according to the remittance bank; Control a preset display device to issue a transaction anomaly warning to the remittance bank.

[0019] By adopting the above technical solution, when a person views the remittance record through the display device, the facial emotion of the person is judged from the facial parameters of the person, so as to judge that there is an anomaly in the transaction when the facial emotion of the person is not good. At this time, the person is asked for secondary confirmation through voice, so as to give timely feedback to the bank when the transaction is abnormal, thereby reducing the situation of transaction errors.

[0020] Optionally, the method for confirming the person further includes: Determine the line of sight direction based on facial features; When the line of sight direction does not fall within a preset viewing range, define the facial parameters as the previous moment parameters; Determine the previous moment expression according to the previous moment parameters; When the line of sight direction falls within a preset viewing range, define the facial parameters as the current moment parameters; Determine the current moment expression according to the current moment parameters; Determine the changing direction of the emotion according to the previous moment expression and the current moment expression; When the changing direction falls within a preset deterioration threshold, control a preset display device to issue a preset remittance confirmation voice and obtain voice information.

[0021] By adopting the above technical solution, when a person views the remittance record through the display device, it is judged whether the remittance information is correct from the change of the facial emotion of the person, so as to ask the person for secondary confirmation through voice when the remittance information is incorrect.

[0022] In a second aspect, the present application provides an identity confirmation system based on a mother-real and son-fictitious account architecture, adopting the following technical solution: An identity confirmation system based on a mother-real and son-fictitious account architecture, including: An acquisition module, configured to acquire remittance information, a receipt image, and voice information; A memory, configured to store any one of the above identity confirmation methods based on a mother-real and son-fictitious account architecture; A processor, and the program in the memory can be loaded and executed by the processor.

[0023] In a third aspect, the present application provides an intelligent terminal, adopting the following technical solution: An intelligent terminal, including a memory and a processor, and the memory stores thereon an identity confirmation method based on a mother-real and son-fictitious account architecture that can be loaded and executed by the processor.

[0024] By adopting the above technical solution, when receiving a remittance, the name of the remitter is checked. Thus, when the name of the remitter contains the specific words of the sub-account, it is determined that the account initiating the remittance is the sub-account, and the master account is queried based on the name of the remitter, so as to record the master account for convenient subsequent accounting and improve the convenience of remittance transactions.

[0025] In summary, the present application includes at least one of the following beneficial technical effects: 1. When receiving a remittance, the name of the remitter is checked. Thus, when the name of the remitter contains the specific words of the sub-account, it is determined that the account initiating the remittance is the sub-account, and the master account is queried based on the name of the remitter, so as to record the master account for convenient subsequent accounting and improve the convenience of remittance transactions; 2. The lengths of the virtual accounts of different banks are different. Check the length of the remitter's account and compare it with the length of the virtual account of the corresponding bank, so as to determine whether the account is a virtual account. When the remitter's account is a virtual account, the master account is queried based on the name of the remitter, so as to record the master account for convenient subsequent accounting; 3. The opening time of the master account of a company is often close to the establishment time of the company. Check the opening time of the remitter's account and compare it with the establishment time of the remitter's company, so as to determine whether the remitter's account is the master account. When the remitter's account is not the master account, the master account is queried based on the name of the remitter to improve the convenience of remittance transactions. BRIEF DESCRIPTION OF THE DRAWINGS

[0026] Figure 1 is an identity confirmation method based on the master-real sub-virtual account architecture; Figure 2 is an identity confirmation method based on the master-real sub-virtual account architecture; Figure 3 is an identity confirmation method based on the master-real sub-virtual account architecture; Figure 4 is a receipt confirmation method; Figure 5 is a receipt confirmation method; Figure 6 is a personnel confirmation method; Figure 7 is a personnel confirmation method; Figure 8 is a personnel confirmation method. DETAILED DESCRIPTION OF THE EMBODIMENTS

[0027] In order to make the objectives, technical solutions and advantages of the present invention clearer and more understandable, the present invention will be further described in detail below with reference to the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are only used to explain the present invention and are not used to limit the present invention.

[0028] An embodiment of the present application discloses an identity confirmation method based on the master-real and sub-virtual account architecture. This method is used to read data such as the remitter's account number, remittance time, purpose of the funds, and the name of the remitter from the remittance record, so as to determine whether the account initiating the remittance is a sub-account, and when the account is a sub-account, query the corresponding master account for recording, thus facilitating financial accounting.

[0029] Refer to Figure 1 , the identity confirmation method based on the master-real and sub-virtual account architecture includes: Step 100: Obtain remittance information.

[0030] Remittance information refers to an information set obtained by the payee, including information such as the name of the remitter, account number, remittance time, remittance bank, name of the payee, and purpose of the funds. The remittance information can be manually input by the staff or directly retrieved from the remittance record. The method for obtaining the remittance information is selected by the staff according to the actual situation and will not be elaborated here.

[0031] Step 101: Determine the remittance name according to the remittance information.

[0032] The remittance name is the name of the above-mentioned remitter. The method for determining the remittance name is common knowledge in the art and will not be elaborated here.

[0033] Step 102: Judge whether the remittance account is a sub-account according to the remittance name.

[0034] Sub-accounts often carry characteristic words such as "sub-account", "special-purpose", "department" to distinguish them from the master account. The character recognition technology can be used to identify whether the characteristic words are included in the remittance name to judge whether the remittance account is a sub-account. The identification method of sub-accounts is common knowledge in the art and will not be elaborated here.

[0035] Step 103: When the remittance account is a sub-account, determine the remittance identity according to the remittance name.

[0036] The remittance account being a sub-account means that the master account needs to be queried to facilitate subsequent financial accounting. The remittance identity is the entity account corresponding to the remittance name, and the remittance identity can be obtained by querying from the account record table. The account record table refers to a data table that records different remittance names and their corresponding remittance identities.

[0037] Step 104: Generate a remittance record according to the remittance identity and the remittance information.

[0038] The remittance record refers to information used to record remittance situations such as the name of the remitter, remittance account number, remittance amount, and remittance time. The method for generating the remittance record is selected by the staff according to the actual situation and will not be elaborated here.

[0039] Step 105: Control a preset display device to notify the staff according to the remittance record.

[0040] The display device refers to the device used to display information to the staff. The display device is selected by the staff according to the actual situation and will not be elaborated here.

[0041] When receiving a remittance, check the name of the remitter. Thus, when the name of the remitter contains the characteristic vocabulary of the sub-account number, it is determined that the account initiating the remittance is a sub-account number, and the parent account number is queried according to the name of the remitter, so as to record the parent account number for subsequent accounting and display it to the staff through the display device, thereby improving the convenience of the remittance transaction.

[0042] Refer to Figure 2 , the identity confirmation method based on the parent-entity and sub-virtual account architecture further includes: Step 106: When the remittance account is not a sub-account, determine the remittance bank according to the remittance information.

[0043] The remittance account not being a sub-account means that the remittance name does not contain the characteristic vocabulary. The remittance bank refers to the name of the bank for the remittance. The confirmation method of the remittance bank is common knowledge in the field and will not be elaborated here.

[0044] Step 107: Determine the reference length of the virtual account number according to the remittance bank.

[0045] The reference length refers to the length value of the virtual account number of the remittance account number. The reference length can be obtained by querying from the length data table, and the length data table refers to the data table recording different remittance banks and their corresponding reference lengths.

[0046] Step 108: Determine the remittance account number according to the remittance information.

[0047] The remittance account number refers to the account number of the above-mentioned remitter. The confirmation method of the remittance account number is common knowledge in the field and will not be elaborated here.

[0048] Step 109: Determine the account number length according to the remittance account number.

[0049] The account number length refers to the number of digits constituting the remittance account number. The determination method of the account number length is common knowledge in the field and will not be elaborated here.

[0050] Step 110: When the account number length is the same as the reference length, determine the remittance identity according to the remittance name.

[0051] The account number length being the same as the reference length means that the format of the remittance account number is the same as that of the virtual account number, that is, the remittance account number is a virtual account number. At this time, query the entity account number corresponding to the remittance account number through the remittance name for convenient recording.

[0052] The lengths of virtual accounts of different banks vary. Check the length of the remitter's account and compare it with the length of the virtual account of the corresponding bank to determine whether the account is a virtual account. When the remitter's account is a virtual account, query the parent account based on the name of the remitter, and record the parent account for subsequent accounting.

[0053] Refer to Figure 3 , the identity confirmation method based on the parent-real and child-virtual account structure further includes: Step 111: When the account length is inconsistent with the benchmark length, determine the account opening time according to the remittance account.

[0054] The account opening time refers to the time when the remittance account is opened, which can be obtained by querying from the account opening data table. The account opening data table refers to the data table that records different remittance accounts and their corresponding account opening times.

[0055] Step 112: Determine the establishment time according to the remittance name.

[0056] The establishment time refers to the time when the organization such as the enterprise or team corresponding to the remittance name is established, which can be obtained by querying from the establishment data table. The establishment data table refers to the data table that records different remittance names and their corresponding establishment times.

[0057] Step 113: Determine the account opening time difference according to the establishment time and the account opening time.

[0058] The account opening time difference refers to the difference between the establishment time and the account opening time, and the elapsed time from the establishment time to the account opening time is shown through the account opening time difference.

[0059] Step 114: Determine whether the remittance account is the parent account according to the account opening time difference.

[0060] The account opening time of the company's parent account is often close to the company's establishment time. When the account opening time difference is greater than the preset benchmark duration, it is determined that the remittance account is a sub-account. When the account opening time difference is not greater than the preset benchmark duration, it is determined that the remittance account is the parent account. The benchmark duration is selected by the staff according to the actual situation and will not be elaborated here.

[0061] Step 115: When the remittance account is not the parent account, determine the remittance identity according to the remittance name.

[0062] Check the account opening time of the remitter's account and compare it with the establishment time of the remitter's company to determine whether the remitter's account is the parent account. When the remitter's account is not the parent account, query the parent account according to the remitter's name to improve the convenience of the remittance transaction.

[0063] Refer to Figure 4 , the receipt confirmation method includes: Step 200: Determine the payee name according to the remittance information.

[0064] The payee name refers to the name of the above-mentioned payee. The method for confirming the payee name is common knowledge to those skilled in the art and will not be elaborated here.

[0065] Step 201: Retrieve historical remittances based on the payee name.

[0066] Historical remittances refer to the remittance records where the payee is consistent with the payee name. Historical remittances can be retrieved from the remittance record table, which is a data table recording all remittance records. The method for retrieving historical remittances is common knowledge to those skilled in the art and will not be elaborated here.

[0067] Step 202: Determine the historical time based on the historical remittances and the remittance name.

[0068] The historical time refers to the remittance time of the remittance records where the remitter is consistent with the remittance name in the historical remittances. The method for determining the historical time is common knowledge to those skilled in the art and will not be elaborated here.

[0069] Step 203: Determine the regular time based on the historical time.

[0070] The regular time refers to the date of the remittance time with the same date in the historical time. Optionally, the regular time can also be manually input by the staff. The method for determining the regular time is common knowledge to those skilled in the art and will not be elaborated here.

[0071] Step 204: Determine the remittance time according to the remittance information.

[0072] The remittance time is the time when the above-mentioned remitter makes the remittance. The method for determining the remittance time is common knowledge to those skilled in the art and will not be elaborated here.

[0073] Step 205: When the regular time is inconsistent with the remittance time, control the preset display device to issue a preset remittance anomaly prompt.

[0074] The inconsistency between the regular time and the remittance time indicates that the current remittance is not a regular remittance behavior. At this time, a prompt is issued through the display device to prompt the payee to confirm the remittance information in a timely manner. The remittance anomaly prompt is the information issued by the display device to prompt the payee to confirm the remittance information in a timely manner. The remittance anomaly prompt is selected by the staff according to the actual situation and will not be elaborated here.

[0075] Retrieve the remittance records with the same remittance name and payee name to check whether there is a situation of regular remittances. When there is a situation of regular remittances, check whether the remittance time is close to the time of regular remittances. When the remittance time is different from the time of regular remittances, determine that the remittance is abnormal and prompt the staff through the display device.

[0076] Reference Figure 5 , the payment confirmation method further includes: Step 206: Determine the historical usage based on the regular time.

[0077] The historical usage refers to the purpose of the remittance amount in the remittance record corresponding to the regular time. The historical usage can be obtained by querying from the above-mentioned remittance record table. The method for determining the historical usage is common knowledge for those skilled in the art and will not be elaborated here.

[0078] Step 207: Determine the remittance purpose according to the remittance information.

[0079] The remittance purpose is the purpose of the current remittance amount mentioned above. The method for determining the remittance purpose is common knowledge for those skilled in the art and will not be elaborated here.

[0080] Step 208: Determine the usage time according to the regular time, historical usage, and remittance purpose.

[0081] The usage time refers to the regular time corresponding to the historical usage that is consistent with the remittance purpose. The method for determining the usage time is common knowledge for those skilled in the art and will not be elaborated here.

[0082] Step 209: When the usage time is inconsistent with the remittance time, control the preset display device to issue a preset remittance exception prompt.

[0083] When an enterprise conducts a remittance transaction, the remittance times of funds with different purposes are often different. Records consistent with the remittance purpose are selected from the remittance records with the same remittance name and payee name, so as to check whether there is a situation of regular remittance for this purpose, and judge that the remittance is abnormal when the remittance time is different from the regular remittance time, and prompt the staff through the display device.

[0084] Reference Figure 6 , the personnel confirmation method includes: Step 300: Obtain the receipt image of the payee.

[0085] The receipt image refers to the picture of the operator of the payee obtained when the payee views the remittance information through the display device. The receipt image can be obtained by the camera set on the display device. The method for obtaining the receipt image is selected by the staff according to the actual situation and will not be elaborated here.

[0086] Step 301: Determine the facial features according to the receipt image.

[0087] The facial features refer to the facial picture of the operator in the receipt image. The facial features can be determined by face recognition technology. The method for determining the facial features is common knowledge for those skilled in the art and will not be elaborated here.

[0088] Step 302: Determine the facial parameters based on the facial features.

[0089] The facial parameters refer to the information extracted from the collection image for facial recognition. The facial parameters can be determined through facial recognition technology. The method for determining the facial parameters is common knowledge to those skilled in the art and will not be elaborated here.

[0090] Step 303: Retrieve the reference parameters according to the collection name.

[0091] The reference parameters refer to the facial parameter information of the manager of the payee's account. The reference parameters can be obtained by querying from the face database. The face database refers to the database that records the collection name and its corresponding reference parameters.

[0092] Step 304: Determine whether the operator is the account holder according to the facial parameters and the reference parameters.

[0093] When the facial parameters and the reference parameters are consistent, it means that the operator of the payee is the account holder. When the facial parameters and the reference parameters are inconsistent, it means that the operator of the payee is not the account holder.

[0094] Step 305: When the operator is not the account holder, control the preset display device to issue a preset operation exception prompt.

[0095] The operator not being the account holder means that the operator has no right to query the remittance information. When someone views the remittance record through the display device, it is judged whether the person viewing the remittance record is the holder of the payee's account through facial recognition technology, and a prompt is issued through the display device when the person is not the holder of the payee's account, so as to reduce the leakage of remittance information. The operation exception prompt is the information for controlling the display device to hide the remittance record and issue a warning. The operation exception prompt is selected by the staff according to the actual situation and will not be elaborated here.

[0096] Refer to Figure 7 , the personnel confirmation method further includes: Step 306: When the operator is the account holder, determine the collection expression according to the facial parameters.

[0097] The operator being the account holder means that the operator has the right to manage the remittance information. The collection expression refers to the facial expression of the manager. The collection expression can be determined by using facial recognition technology. The method for determining the collection expression is common knowledge to those skilled in the art and will not be elaborated here.

[0098] Step 307: When the collection expression falls into the preset negative range, control the preset display device to issue a preset remittance confirmation voice and obtain the voice information.

[0099] The negative range refers to expressions of negative emotions such as anger and confusion. The negative range is selected by the staff according to the actual situation and will not be elaborated here. When the collection expression falls within the preset negative range, it indicates that there is a problem with the remittance information. The remittance confirmation voice refers to the voice information used to ask the operator whether there is an error in the remittance information. The remittance confirmation voice is selected by the staff according to the actual situation and will not be elaborated here. The voice information refers to the recording file of the operator obtained after the display device emits the remittance confirmation voice. The voice information can be obtained through a microphone. The method for obtaining the voice information is selected by the staff according to the actual situation and will not be elaborated here.

[0100] Step 308: Determine whether the remittance information is correct according to the voice information.

[0101] It is possible to determine whether the remittance transaction is normal through voice recognition technology. The recognition method of the voice information is common knowledge in the field and will not be elaborated here.

[0102] Step 309: When the remittance information is incorrect, generate a transaction anomaly warning according to the remittance bank.

[0103] The transaction anomaly warning refers to the information used to prompt that there is an error in the bank remittance information so that the bank can review it in time. The transaction anomaly warning can automatically retrieve the corresponding bank template according to the remittance bank. The retrieval method of the transaction anomaly warning is selected by the staff according to the actual situation and will not be elaborated here.

[0104] Step 310: Control the preset display device to send a transaction anomaly warning to the remittance bank.

[0105] When a person views the remittance record through the display device, the facial emotion of the person is judged from the facial parameters of the person. Thus, when the facial emotion of the person is not good, it is judged that there is an anomaly in the transaction. At this time, the person is asked for secondary confirmation through voice, so as to feedback to the bank in time when the transaction is abnormal, thereby reducing the situation of transaction errors.

[0106] Refer to Figure 8 , the person confirmation method further includes: Step 311: Determine the line of sight direction based on the facial features.

[0107] The line of sight direction refers to the orientation of the line of sight of the person in the collection image. The line of sight direction can be determined through face recognition technology. The determination method of the line of sight direction is common knowledge in the field and will not be elaborated here.

[0108] Step 312: When the line of sight direction does not fall within the preset viewing range, define the facial parameters as the previous moment parameters.

[0109] The viewing range refers to the range of the line of sight direction when a person views the display device. The viewing range is selected by the staff according to the actual situation and will not be elaborated here. The line of sight direction not falling into the viewing range means that the person has not viewed the remittance information yet, and the previous moment parameters are the facial parameters of the person when they have not viewed the remittance information yet.

[0110] Step 313: Determine the previous moment expression according to the previous moment parameters.

[0111] The previous moment expression is the receiving expression of the person when they have not viewed the remittance information yet. The method for determining the previous moment expression refers to the method for determining the receiving expression mentioned above and will not be elaborated here.

[0112] Step 314: When the line of sight direction falls into the preset viewing range, define the facial parameters as the current moment parameters.

[0113] The line of sight direction falling into the viewing range means that the person is viewing the remittance information, and the current moment parameters are the facial parameters of the person when they are viewing the remittance information.

[0114] Step 315: Determine the current moment expression according to the current moment parameters.

[0115] The current moment expression is the receiving expression of the person when they are viewing the remittance information. The method for determining the current moment expression refers to the method for determining the receiving expression mentioned above and will not be elaborated here.

[0116] Step 316: Determine the direction of emotional change according to the previous moment expression and the current moment expression.

[0117] The direction of change refers to the trend of the person's expression changing from the previous moment expression to the current moment expression, such as deterioration, improvement, and no change. For example, when a person changes from "joy" to "doubt", the direction of change is deterioration; when a person changes from "doubt" to "joy", the direction of change is improvement; when a person changes from "anger" to "doubt", the direction of change is no change.

[0118] Step 317: When the direction of change falls into the preset deterioration threshold, control the preset display device to emit the preset remittance confirmation voice and obtain the voice information.

[0119] The deterioration threshold refers to the range of the direction of change when the person's expression shows a trend of deterioration. The deterioration threshold is selected by the staff according to the actual situation and will not be elaborated here. The direction of change falling into the deterioration threshold means that the person's expression deteriorates when viewing the remittance information, that is, there may be a problem with the remittance information.

[0120] When a person views the remittance record through the display device, judge whether the remittance information is correct from the change of the person's facial emotion, so as to ask the person for secondary confirmation by voice when the remittance information is incorrect.

[0121] Based on the same inventive concept, an embodiment of the present invention provides an identity confirmation system based on a mother-real and son-virtual account architecture, including: An acquisition module, configured to acquire remittance information, receipt images, and voice information; A memory, configured to store any of the above identity confirmation methods based on the mother-real and son-virtual account architecture; A processor, and the program in the memory can be loaded and executed by the processor.

[0122] Based on the same inventive concept, an embodiment of the present invention provides an intelligent terminal, including a memory and a processor, and the memory stores thereon an identity confirmation method based on the mother-real and son-virtual account architecture that can be loaded and executed by the processor.

[0123] Those skilled in the art can clearly understand that for the convenience and conciseness of description, only the above division of each functional module is used as an example. In actual applications, the above functions can be allocated to different functional modules as needed, that is, the internal structure of the device is divided into different functional modules to complete all or part of the functions described above. The specific working processes of the systems, devices, and units described above can refer to the corresponding processes in the foregoing method embodiments and will not be elaborated herein.

[0124] The above is only the preferred embodiment of the present invention, and the protection scope of the present invention is not limited to the above embodiments. All technical solutions falling within the inventive concept of the present invention belong to the protection scope of the present invention. It should be noted that for those of ordinary skill in the art, several improvements and refinements made without departing from the principle of the present invention should also be regarded as within the protection scope of the present invention.

Claims

1. An identity confirmation method based on a parent-real and child-virtual account architecture, characterized in that: include: Get remittance information; Determine the remittance name based on the remittance information; Determine whether the remittance account is a sub-account based on the remittance name; When the remittance account is a sub-account, the remittance identity is determined based on the remittance name; Generate remittance records based on remittance identity and remittance information; The preset display device is controlled according to the remittance record to notify the staff.

2. The identity confirmation method based on the parent-real and child-virtual account architecture according to claim 1 is characterized in that: Also includes: When the remittance account is not a sub-account, the remittance bank is determined based on the remittance information; Determine the base length of the virtual account number based on the remitting bank; Determine the remittance account number based on the remittance information; Determine the account length based on the remittance account number; When the account length is consistent with the benchmark length, the remittance identity is determined based on the remittance name.

3. The identity confirmation method based on the parent-real and child-virtual account architecture according to claim 2 is characterized in that: Also includes: When the account length is inconsistent with the benchmark length, the account opening time is determined based on the remittance account; Determine the establishment time based on the remittance name; Determine the account opening time difference based on the establishment time and account opening time; Determine whether the remittance account is the parent account based on the time difference of account opening; When the remittance account is not the parent account, the remittance identity is determined based on the remittance name.

4. The identity confirmation method based on the parent-real and child-virtual account architecture according to claim 3 is characterized in that: Also included is a payment confirmation method, the payment confirmation method comprising: Determine the recipient name based on the remittance information; Retrieve historical remittances based on the name of the payment; Determine historical time based on historical remittances and remittance names; Determine regular time based on historical time; Determine the remittance time based on the remittance information; When the regular time is inconsistent with the remittance time, the preset display device is controlled to issue a preset remittance abnormality prompt.

5. The identity confirmation method based on the parent-real and child-virtual account architecture according to claim 4 is characterized in that: The payment confirmation method further includes: Determine historical usage based on periodic time; Determine the purpose of remittance based on the remittance information; Determine usage time based on regular time, historical usage, and remittance usage; When the usage time is inconsistent with the remittance time, the preset display device is controlled to issue a preset remittance abnormality prompt.

6. The identity confirmation method based on the parent-real and child-virtual account architecture according to claim 5 is characterized in that: It also includes a personnel confirmation method, which includes: Obtain the payment image of the payee; Determine facial features based on the payment collection image; determining facial parameters based on facial features; Retrieve the benchmark parameters based on the payment name; Determine whether the operator is the account holder based on facial parameters and baseline parameters; When the operator is not the account holder, the preset display device is controlled to issue a preset operation abnormality prompt.

7. The identity confirmation method based on the parent-real and child-virtual account architecture according to claim 6 is characterized in that: The personnel confirmation method further includes: When the operator is the account holder, the payment expression is determined based on the facial parameters; When the payment collection expression falls into a preset negative range, the preset display device is controlled to emit a preset remittance confirmation voice and obtain voice information; Determine whether the remittance information is correct based on the voice information; When the remittance information is incorrect, a transaction abnormality warning is generated according to the remittance bank; Control the preset display device to issue a transaction abnormality warning to the remittance bank.

8. The identity confirmation method based on the parent-real and child-virtual account architecture according to claim 7 is characterized in that: The personnel confirmation method further includes: Determine gaze direction based on facial features; When the sight direction does not fall into the preset viewing interval, the facial parameters are defined as the previous moment parameters; Determine the previous moment expression according to the previous moment parameters; When the sight direction falls into the preset viewing interval, the facial parameters are defined as the current parameters; Determine the current expression according to the current parameters; Determine the direction of emotional change based on the previous and current expressions; When the change direction falls into a preset deterioration threshold, a preset display device is controlled to emit a preset remittance confirmation voice, and voice information is obtained.

9. An identity verification system based on a parent-real and child-virtual account architecture, characterized in that: include: The acquisition module is used to obtain remittance information, receipt images and voice information; A memory, used to store the identity confirmation method based on the parent-real and child-virtual account architecture according to any one of claims 1 to 8; The program in the memory can be loaded and executed by the processor.

10. An intelligent terminal, characterized in that: It comprises a memory and a processor, wherein the memory stores an identity confirmation method based on a parent-real and child-virtual account architecture that can be loaded and executed by the processor as described in any one of claims 1 to 8.

Images