Method and system for cross-bank use of a bank intelligent terminal

Abstract

This invention discloses a method and system for cross-bank use of bank smart terminals, relating to the financial field. The method includes: a mobile terminal scanning a QR code on a second bank's self-service terminal to obtain the information of the second bank to which the self-service terminal belongs, and sending this information to a first bank's server; the first bank's server generating a cross-bank fingerprint of the customer and sending it to the server of the second bank to which the self-service terminal belongs; the self-service terminal sending the received cross-bank fingerprint and facial features to the server of the second bank to which it belongs; the second bank's server, upon confirming the existence of the cross-bank fingerprint, sending the fingerprint and facial features to the first bank's server; the first bank's server, after verifying the cross-bank biometric threshold corresponding to the facial features and cross-bank fingerprint, sending an authentication success command; the second bank's server sending this command to the self-service terminal; and the self-service terminal, upon receiving the command, allowing the customer to conduct transactions at the self-service terminal. This invention enables convenient and secure cross-bank use of bank smart terminals, improving user experience.

Description

Technical Field

[0001] This invention relates to the field of financial technology, and in particular to a method and system for cross-bank use of smart banking terminals. Background Technology

[0002] This section is intended to provide background or context for the embodiments of the invention set forth in the claims. The description herein is not an admission that it is prior art simply because it is included in this section.

[0003] Currently, customers need to bring their ID card or bank card and may also need to enter a password when conducting business at bank self-service terminals. This is especially inconvenient for customers who do not have a bank account, resulting in a poor customer experience. Summary of the Invention

[0004] This invention provides a method for using a bank's smart terminal across different banks, enabling convenient and secure use of the smart terminal across banks. The method includes:

[0005] The customer's mobile phone terminal scans the QR code of the second bank's self-service terminal to obtain the self-service terminal's owner, the terminal number, and sends the owner, terminal number, and the mobile phone terminal's current location to the first bank's server.

[0006] The server of the first bank generates the customer's cross-bank fingerprint and determines the customer's cross-bank biometric threshold based on the second bank to which the self-service terminal belongs and the current location of the mobile terminal; the terminal number of the self-service terminal is used as the terminal number corresponding to the customer's cross-bank fingerprint; the customer's cross-bank fingerprint and the terminal number corresponding to the cross-bank fingerprint are sent to the server of the second bank to which the self-service terminal belongs for storage; the customer's cross-bank fingerprint is sent to the customer's mobile terminal.

[0007] The self-service terminal of the second bank receives the cross-bank fingerprint and facial feature information obtained by the customer through the mobile terminal; and sends the obtained cross-bank fingerprint and facial feature information to the server of the second bank to which the self-service terminal belongs.

[0008] The second bank's server determines whether it stores a cross-bank fingerprint that matches the cross-bank fingerprint obtained from the self-service terminal, and whether the number of the self-service terminal matches the terminal number corresponding to the cross-bank fingerprint. If a cross-bank fingerprint is stored, and it is determined that the number of the self-service terminal matches the terminal number corresponding to the cross-bank fingerprint, then the obtained cross-bank fingerprint and facial feature information are sent to the first bank's server.

[0009] The first bank's server verifies the customer based on the received facial feature information and the cross-bank biometric threshold corresponding to the received cross-bank fingerprint; after successful verification, it sends an authentication success instruction to the second bank's server.

[0010] The second bank's server will send a successful authentication command to the self-service terminal;

[0011] After receiving the successful authentication instruction, the self-service terminal allows the customer to conduct transactions on the terminal.

[0012] This invention also provides a system for cross-bank use of bank smart terminals, for convenient and secure cross-bank use of bank smart terminals, the system comprising:

[0013] The customer's mobile terminal is used to scan the QR code of the second bank's self-service terminal to obtain the second bank to which the self-service terminal belongs, the terminal number of the self-service terminal, and the current location of the mobile terminal, and then send the second bank to which the self-service terminal belongs, the terminal number of the self-service terminal, and the current location of the mobile terminal to the server of the first bank.

[0014] The server of the first bank is used to generate a cross-bank fingerprint for the customer and determine the cross-bank biometric threshold for the customer based on the second bank to which the self-service terminal belongs and the current location of the mobile terminal; the terminal number of the self-service terminal is used as the terminal number corresponding to the customer's cross-bank fingerprint; the customer's cross-bank fingerprint and the corresponding terminal number are sent to the server of the second bank to which the self-service terminal belongs for storage; the customer's cross-bank fingerprint is sent to the customer's mobile terminal; the customer is verified based on the received facial feature information and the cross-bank biometric threshold corresponding to the received cross-bank fingerprint; after successful verification, an authentication success instruction is sent to the server of the second bank.

[0015] The self-service terminal of the second bank is used to receive the cross-bank fingerprint and facial feature information obtained by the customer through a mobile terminal; send the obtained cross-bank fingerprint and facial feature information to the server of the second bank to which the self-service terminal belongs; and allow the customer to conduct transactions on the self-service terminal after receiving a successful authentication instruction.

[0016] The second bank's server is used to determine whether a cross-bank fingerprint matching the cross-bank fingerprint obtained from the self-service terminal is stored, and whether the number of the self-service terminal matches the terminal number corresponding to the cross-bank fingerprint. If a cross-bank fingerprint is stored, and it is determined that the number of the self-service terminal matches the terminal number corresponding to the cross-bank fingerprint, the obtained cross-bank fingerprint and facial feature information are sent to the first bank's server; and a successful authentication instruction is sent to the self-service terminal.

[0017] This invention also provides a computer device, including a memory, a processor, and a computer program stored in the memory and executable on the processor. When the processor executes the computer program, it implements the above-described method for cross-bank use of a smart bank terminal.

[0018] This invention also provides a computer-readable storage medium storing a computer program that, when executed by a processor, implements the aforementioned method for cross-bank use of a smart bank terminal.

[0019] This invention also provides a computer program product, which includes a computer program that, when executed by a processor, implements the above-described method for cross-bank use of a smart bank terminal.

[0020] In this embodiment of the invention, the solution for cross-bank use of bank smart terminals involves: a customer's mobile terminal scanning the QR code of a second bank's self-service terminal to obtain the second bank to which the self-service terminal belongs and the terminal number of the self-service terminal; sending the second bank to which the self-service terminal belongs, the terminal number of the self-service terminal, and the current location of the mobile terminal to the server of a first bank; wherein, the customer's mobile terminal has the first bank's app installed; the server of the first bank generates the customer's cross-bank fingerprint and determines the customer's cross-bank biometric threshold based on the second bank to which the self-service terminal belongs and the current location of the mobile terminal; using the terminal number of the self-service terminal as the terminal number corresponding to the customer's cross-bank fingerprint; sending the customer's cross-bank fingerprint and the corresponding terminal number to the server of the second bank to which the self-service terminal belongs for storage; sending the customer's cross-bank fingerprint to the customer's mobile terminal; and the second bank's self-service terminal receiving the cross-bank fingerprint obtained by the customer through the mobile terminal and the customer's... The system receives facial feature information and sends the obtained cross-bank fingerprint and facial feature information to the server of the second bank to which the self-service terminal belongs. The second bank's server determines whether it stores a cross-bank fingerprint that matches the one obtained from the self-service terminal, and whether the self-service terminal's number matches the terminal number corresponding to the cross-bank fingerprint. If a cross-bank fingerprint is stored and the self-service terminal's number matches the terminal number corresponding to the cross-bank fingerprint, the system sends the obtained cross-bank fingerprint and facial feature information to the server of the first bank. The first bank's server verifies the customer based on the received facial feature information and the cross-bank biometric threshold corresponding to the received cross-bank fingerprint. After successful verification, the system sends an authentication success command to the second bank's server. The second bank's server then sends the authentication success command to the self-service terminal. Upon receiving the authentication success command, the self-service terminal allows the customer to conduct transactions on the self-service terminal, enabling convenient and secure cross-bank use of bank smart terminals and improving user experience. Attached Figure Description

[0021] To more clearly illustrate the technical solutions in the embodiments of the present invention or the prior art, the drawings used in the description of the embodiments or the prior art will be briefly introduced below. Obviously, the drawings described below are only some embodiments of the present invention. For those skilled in the art, other drawings can be obtained based on these drawings without creative effort. In the drawings:

[0022] Figure 1 This is a flowchart illustrating the method for using a bank's smart terminal across different banks, as described in an embodiment of the present invention.

[0023] Figure 2 This is a schematic diagram illustrating the process of generating a customer's cross-bank fingerprint and determining the customer's cross-bank biometric threshold in an embodiment of the present invention.

[0024] Figure 3 This is a schematic diagram illustrating the process of determining the interbank risk coefficients and corresponding upper bounds of error convergence for multiple transaction types corresponding to a customer in an embodiment of the present invention.

[0025] Figure 4 This is a schematic diagram of the process for generating the customer's cross-bank fingerprint based on the controllable transaction type in an embodiment of the present invention;

[0026] Figure 5 This is a schematic diagram illustrating the process of determining the cross-bank biometric threshold of a customer based on the current location of the mobile terminal in an embodiment of the present invention.

[0027] Figure 6 This is a schematic diagram of the structure of a system for cross-bank use of bank smart terminals in an embodiment of the present invention. Detailed Implementation

[0028] To make the objectives, technical solutions, and advantages of the embodiments of the present invention clearer, the embodiments of the present invention will be further described in detail below with reference to the accompanying drawings. Here, the illustrative embodiments of the present invention and their descriptions are used to explain the present invention, but are not intended to limit the present invention.

[0029] The acquisition, storage, use, and processing of data in this application all comply with the relevant provisions of national laws and regulations.

[0030] In this document, the term "and / or" merely describes a relationship, indicating that three relationships can exist. For example, A and / or B can represent three cases: A alone, A and B simultaneously, and B alone. Furthermore, the term "at least one" in this document means any combination of at least two of any one or more elements. For example, including at least one of A, B, and C can mean including any one or more elements selected from the set consisting of A, B, and C.

[0031] In the description of this specification, the terms "comprising," "including," "having," and "containing" are open-ended terms, meaning that they include but are not limited to. The terms "an embodiment," "a specific embodiment," "some embodiments," and "for example," etc., refer to specific features, structures, or characteristics described in connection with that embodiment or example that are included in at least one embodiment or example of this application. In this specification, the illustrative expressions of the above terms do not necessarily refer to the same embodiment or example. Furthermore, the specific features, structures, or characteristics described can be combined in any suitable manner in one or more embodiments or examples. The order of steps involved in the various embodiments is used to illustrate the implementation of this application, and the order of steps is not limited and can be adjusted appropriately as needed.

[0032] Figure 1 This is a flowchart illustrating the method for using a bank's smart terminal across different banks, as described in an embodiment of the present invention. Figure 1 As shown, the method includes the following steps:

[0033] Step 101: The customer's mobile terminal scans the QR code of the second bank's self-service terminal to obtain the second bank to which the self-service terminal belongs, the terminal number of the self-service terminal, and the current location of the mobile terminal, and sends the second bank to which the self-service terminal belongs, the terminal number of the self-service terminal, and the current location of the mobile terminal to the server of the first bank.

[0034] Step 102: The server of the first bank generates the customer's cross-bank fingerprint and determines the customer's cross-bank biometric threshold based on the second bank to which the self-service terminal belongs and the current location of the mobile terminal; the terminal number of the self-service terminal is used as the terminal number corresponding to the customer's cross-bank fingerprint; the customer's cross-bank fingerprint and the terminal number corresponding to the cross-bank fingerprint are sent to the server of the second bank to which the self-service terminal belongs for storage; the customer's cross-bank fingerprint is sent to the customer's mobile terminal.

[0035] Step 103: The self-service terminal of the second bank receives the cross-bank fingerprint and facial feature information obtained by the customer through the mobile terminal; and sends the obtained cross-bank fingerprint and facial feature information to the server of the second bank to which the self-service terminal belongs.

[0036] Step 104: The server of the second bank determines whether it stores a cross-bank fingerprint that matches the cross-bank fingerprint obtained from the self-service terminal, and determines whether the number of the self-service terminal matches the terminal number corresponding to the cross-bank fingerprint; if a cross-bank fingerprint is stored, and it is determined that the number of the self-service terminal matches the terminal number corresponding to the cross-bank fingerprint, then the obtained cross-bank fingerprint and facial feature information are sent to the server of the first bank.

[0037] Step 105: The server of the first bank verifies the customer based on the received facial feature information and the cross-bank biometric threshold corresponding to the received cross-bank fingerprint; after successful verification, it sends an authentication success instruction to the server of the second bank.

[0038] Step 106: The second bank's server sends a successful authentication command to the self-service terminal;

[0039] Step 107: After receiving the successful authentication instruction, the self-service terminal allows the customer to conduct transactions on the self-service terminal.

[0040] The method for using a bank's smart terminal across banks, provided in this embodiment of the invention, operates as follows: A customer's mobile terminal scans the QR code of a self-service terminal at a second bank (Bank B) to obtain the second bank to which the self-service terminal belongs, the terminal number of the self-service terminal, and the current location of the mobile terminal. This information is then sent to the server of a first bank. The customer's mobile terminal has an app installed on the first bank's mobile terminal. The server of the first bank (Bank A) generates the customer's cross-bank fingerprint and determines the customer's cross-bank biometric threshold based on the second bank to which the self-service terminal belongs and the current location of the mobile terminal. The terminal number of the self-service terminal is used as the terminal number corresponding to the customer's cross-bank fingerprint. The customer's cross-bank fingerprint and the corresponding terminal number are sent to the server of the second bank to which the self-service terminal belongs for storage. The customer's cross-bank fingerprint is then sent to the customer's mobile terminal. The self-service terminal receives the cross-bank fingerprint obtained through the mobile terminal from the customer. The system collects and transmits the customer's facial features. The acquired cross-bank fingerprint and facial feature information are sent to the server of the second bank to which the self-service terminal belongs. The second bank's server determines whether it stores a cross-bank fingerprint matching the one obtained from the self-service terminal, and whether the self-service terminal's number matches the terminal number corresponding to the cross-bank fingerprint. If a cross-bank fingerprint is stored, and the self-service terminal's number matches the terminal number corresponding to the cross-bank fingerprint, the acquired cross-bank fingerprint and facial feature information are sent to the server of the first bank. The first bank's server verifies the customer based on the received facial feature information and the cross-bank biometric threshold corresponding to the received cross-bank fingerprint. After successful verification, a successful authentication command is sent to the second bank's server. The second bank's server then sends the successful authentication command to the self-service terminal. Upon receiving the successful authentication command, the self-service terminal allows the customer to conduct transactions on the terminal, enabling convenient and secure cross-bank use of bank smart terminals and improving user experience. The following is a detailed description of this method for cross-bank use of bank smart terminals.

[0041] In practice, customers have First Bank's app installed on their mobile devices, and the bank's app, such as mobile banking, is also installed on their mobile devices, allowing the phones to interact with the bank's servers.

[0042] In one embodiment, such as Figure 2 As shown, the server of the first bank generates the customer's cross-bank fingerprint and determines the customer's cross-bank biometric threshold based on the second bank to which the self-service terminal belongs and the current location of the mobile terminal. This may include:

[0043] Step 201: The First Bank's server obtains the customer's transaction data and determines the multiple transaction types corresponding to the customer;

[0044] Step 202: The server of the first bank obtains the interbank transaction data with the second bank, and based on the interbank transaction data, determines the interbank risk coefficients and corresponding upper bounds of error convergence for the multiple transaction types corresponding to the customer.

[0045] Step 203: The First Bank's server generates the customer's cross-bank fingerprint based on the cross-bank risk coefficients corresponding to multiple transaction types for that customer and the corresponding upper bound of error convergence.

[0046] Step 204: The First Bank's server determines the customer's cross-bank biometric threshold based on the current location of the mobile terminal.

[0047] In practice, the above-described methods for generating the customer's cross-bank fingerprint and determining the customer's cross-bank biometric threshold can generate relatively secure cross-bank fingerprints and cross-bank biometric thresholds, thereby improving the security of cross-bank use of bank smart terminals and further enhancing the user experience.

[0048] In one embodiment, such as Figure 3 As shown, the server of the first bank obtains interbank transaction data with the second bank, and based on this interbank transaction data, determines the interbank risk coefficients and corresponding upper bounds of error convergence for multiple transaction types corresponding to the customer, which may include:

[0049] Step 301: Set the threshold for cross-row data volume;

[0050] Step 302: Select the cross-bank transaction data corresponding to each transaction type for this customer from the cross-bank transaction data;

[0051] Step 303: Divide the interbank transaction data for each transaction type corresponding to the customer into multiple interbank data subsets according to the chronological order of the transaction type;

[0052] Step 304: The proportion of risky transactions in each cross-bank data subset corresponding to each transaction type for that customer is taken as the cross-bank risk sample for that transaction type;

[0053] Step 305: Determine the interbank risk coefficient corresponding to each transaction type for this customer as the mean of the interbank risk sample for that transaction type;

[0054] Step 306: Determine the upper bound of error convergence for each transaction type corresponding to the customer as the ratio of the variance of the interbank risk samples of that transaction type to the number of interbank risk samples of that transaction type.

[0055] In practice, the above-mentioned method of determining the interbank risk coefficients and corresponding error convergence upper bounds for multiple transaction types corresponding to the customer uses probabilistic statistical methods to determine the interbank risk coefficients and corresponding error upper bounds, thus providing a data foundation for assessing the security of each transaction type corresponding to the customer.

[0056] In one embodiment, generating a customer's cross-bank fingerprint based on the cross-bank risk coefficients corresponding to multiple transaction types and the corresponding upper bound of error convergence may include:

[0057] Based on the interbank risk coefficient and the corresponding upper bound of error convergence for each transaction type for this customer, determine the priority coefficient for that transaction type;

[0058] Based on the priority coefficients corresponding to each transaction type for this customer, select controllable transaction types from the multiple transaction types corresponding to this customer;

[0059] Generate the customer's cross-bank fingerprint based on the controllable transaction type.

[0060] In practice, the above-mentioned method for generating the customer's cross-bank fingerprint can select a relatively safe transaction type based on the cross-bank risk coefficient and the corresponding upper bound of error convergence. This way, the generated cross-bank fingerprint can improve the security of using bank smart terminals across banks.

[0061] In one embodiment, based on the priority coefficients corresponding to each transaction type for the customer, controllable transaction types are selected from multiple transaction types corresponding to the customer, including:

[0062] For each transaction type corresponding to this customer, the ratio of the priority coefficient of this transaction type to the sum of the priority coefficients of all transaction types corresponding to this customer is used as the priority probability of this transaction type;

[0063] Sort the multiple transaction types corresponding to this customer;

[0064] For each transaction type corresponding to this customer, the sum of the priority probabilities of all transaction types preceding this transaction type in the sorting will be used as the left endpoint of this transaction type;

[0065] Select a uniformly distributed random number generator with a value range of [0,1], and generate a random number based on the generator;

[0066] From the left endpoints corresponding to multiple transaction types for this customer, select the largest left endpoint that is less than the random number;

[0067] The transaction type whose corresponding left endpoint is equal to the maximum left endpoint is designated as the controllable transaction type.

[0068] In practice, the above-mentioned selection of controllable transaction types from multiple transaction types corresponding to the customer can obtain relatively safe controllable transaction types based on randomization methods, thereby improving the security of cross-bank use of bank smart terminals and further enhancing the user experience.

[0069] In one embodiment, the priority coefficient for each transaction type corresponding to the customer is determined based on the interbank risk coefficient and the corresponding upper bound of error convergence. This includes determining the priority coefficient for each transaction type corresponding to the customer using the following method:

[0070] r i =f(s) i ,t i );

[0071] Where, r i s is the priority coefficient for the i-th transaction type corresponding to this customer. i and t i Let f be the interbank risk coefficient and the corresponding upper bound of error convergence for the i-th transaction type of the customer, f is a binary real-valued function, f has a partial derivative with respect to the first independent variable less than 0, and f has a partial derivative with respect to the second independent variable less than 0.

[0072] In practice, the priority coefficient obtained by the above implementation method for determining the priority coefficient of each transaction type for the customer is directly related to the interbank risk coefficient and the corresponding upper bound of error convergence. The smaller the risk, the smaller the error, and the smaller the priority coefficient. The determined priority coefficient is the data basis for subsequently determining the controllable transaction type.

[0073] In one embodiment, such as Figure 4 As shown, based on the controllable transaction type, generating the customer's cross-bank fingerprint can include:

[0074] Step 401: Select the transaction data corresponding to the controllable transaction type from the customer's transaction data;

[0075] Step 402: Generate a hash value based on the transaction data corresponding to this controllable transaction type;

[0076] Step 403: Use the hash value as the customer's cross-row fingerprint.

[0077] In practice, the cross-bank fingerprint generated by the above-described method of generating the customer's cross-bank fingerprint based on the controllable transaction type has high security when used in cross-bank smart terminals.

[0078] In one embodiment, such as Figure 5 As shown, the First Bank's server determines the customer's cross-bank biometric threshold based on the mobile terminal's current location, which may include:

[0079] Step 501: Based on the current location of the mobile terminal, obtain multiple transaction locations within a specified range from the current location;

[0080] Step 502: Use the customer set corresponding to the transaction data of the multiple transaction locations as the customer set corresponding to the current location;

[0081] Step 503: Based on the customer set corresponding to the current location, determine the self-service terminal corresponding to the current location; wherein, the self-service terminal corresponding to the current location belongs to First Bank;

[0082] Step 504: Determine the cross-bank biometric threshold for the customer based on the self-service terminal corresponding to the current location.

[0083] In practice, the above-mentioned method of determining the customer's cross-bank biometric threshold based on the current location of the mobile terminal can set the corresponding cross-bank biometric threshold according to the risk of the current location, thereby improving the security of cross-bank use of bank smart terminals, since the customer and the bank smart terminal belong to different banks.

[0084] In one embodiment, determining the self-service terminal corresponding to the current location based on the customer set corresponding to the current location may include:

[0085] For each self-service terminal of the First Bank, the risk coefficient and customer set corresponding to that self-service terminal are determined based on the transaction data of that self-service terminal.

[0086] Based on the customer set corresponding to the current location, the risk coefficient and customer set corresponding to each self-service terminal of the First Bank, the self-service terminal corresponding to the current location is determined.

[0087] In practice, the above-mentioned method of determining the self-service terminal corresponding to the current location based on the customer set corresponding to the current location can predict the self-service terminal corresponding to the current location (the location of the self-service terminal where the customer is conducting the transaction, which belongs to the second bank) through customer data and risk data (in essence, it is a similar self-service terminal to the self-service terminal where the customer is conducting the transaction, which belongs to the first bank). In this way, the server of the first bank can analyze the risk of the self-service terminal where the customer is conducting the transaction (belonging to the second bank) based on the data of the first bank.

[0088] In one embodiment, determining the self-service terminal corresponding to the current location based on the customer set corresponding to the current location, the risk coefficient corresponding to each self-service terminal of the First Bank, and the customer set may include:

[0089] For each self-service terminal of Bank A (First Bank), the number of customers contained in the intersection of the customer set corresponding to the self-service terminal and the customer set corresponding to the current location is taken as the number of common customers corresponding to the self-service terminal.

[0090] Determine the partial order of self-service terminals of Bank A, wherein the partial order is used to determine whether the first self-service terminal is closer to the second self-service terminal among any two self-service terminals of Bank A; if the number of public customers corresponding to the first self-service terminal is greater than or equal to the number of public customers corresponding to the second self-service terminal, and the risk coefficient corresponding to the first self-service terminal is greater than or equal to the risk coefficient corresponding to the second self-service terminal, then the first self-service terminal is closer to the second self-service terminal in the partial order.

[0091] Based on the partial order of the self-service terminals of Bank A, the maximal element of the partial order is used as the reference self-service terminal.

[0092] Based on the reference self-service terminal, determine the self-service terminal corresponding to the current location.

[0093] In practice, the above-mentioned method of determining the self-service terminal corresponding to the current location based on the customer set corresponding to the current location can obtain self-service terminals with common characteristics to the current location through partial ordering, and the obtained self-service terminals have a higher risk. This can ensure that the finally determined cross-bank biometric threshold can better control the risk.

[0094] In one embodiment, based on the partial order of Bank A's self-service terminals, the maximal element of that partial order is used as the reference self-service terminal, including:

[0095] Initialize the set of terminals to be determined and the set of terminals to be compared to all self-service terminals of Bank A, and initialize the set of extreme value terminals to empty;

[0096] Repeat the following steps until the set of pending terminals is empty:

[0097] Select the self-service terminal S with the largest number of public customers from the set of undetermined terminals, and perform a partial order comparison between the self-service terminal S and each self-service terminal T in the set of terminals to be compared, excluding the self-service terminal S, based on the partial order of the self-service terminals of bank A.

[0098] If self-service terminal T is superior to self-service terminal S, then self-service terminal S is removed from the set of pending terminals; if self-service terminal S is superior to self-service terminal T, then self-service terminal T is removed from the set of pending terminals, and self-service terminal T is determined as the secondary bank terminal of self-service terminal S.

[0099] If, based on the partial order of the self-service terminals of Bank A, it is confirmed that every self-service terminal in the set of terminals to be compared, except for self-service terminal S, is not superior to self-service terminal S, then self-service terminal S is added to the extreme value terminal set, and all minor bank terminals of self-service terminal S are removed from the set of terminals to be compared.

[0100] Use the self-service terminals in the extreme value terminal set as reference self-service terminals.

[0101] In one embodiment, determining the self-service terminal corresponding to the current location based on a reference self-service terminal includes:

[0102] The minimum number of public customers corresponding to the reference self-service terminal is used as the customer number threshold, and the minimum risk coefficient corresponding to the reference self-service terminal is used as the risk coefficient threshold.

[0103] For each self-service terminal of Bank A, if the number of public customers corresponding to the self-service terminal is greater than or equal to the customer number threshold, and the risk coefficient corresponding to the self-service terminal is greater than or equal to the risk coefficient threshold, then the self-service terminal is regarded as the self-service terminal corresponding to the current location.

[0104] In one embodiment, determining the customer's cross-bank biometric threshold based on the self-service terminal corresponding to the current location may include:

[0105] Use the transaction data of the self-service terminal corresponding to the current location as the transaction data corresponding to the current location;

[0106] Set multiple face matching values;

[0107] For each face matching value, determine the proportion of risk data in the transaction data corresponding to the current location when the face matching threshold is set to that face matching value, and use that proportion as the risk coefficient corresponding to that face matching value;

[0108] Based on setting multiple face matching values ​​and the risk coefficient corresponding to each face matching value, a correspondence between the face threshold and the risk coefficient at the current location is constructed;

[0109] Obtain the face threshold stored for the customer on the server, and determine the proportion of risk data in the bank's transaction data stored on the server when the face matching threshold is set to the face threshold stored for the customer on the server. Use this proportion as the face risk coefficient corresponding to the customer.

[0110] Based on the customer's facial risk coefficient and the correspondence between the current location's facial threshold and risk coefficient, the customer's cross-bank biometric threshold is determined.

[0111] In practice, the above-mentioned method of determining the customer's cross-bank biometric threshold based on the self-service terminal corresponding to the current location can control the risk of the customer's cross-bank transactions within an acceptable range for the customer.

[0112] In summary, the embodiments of the present invention can support customers to use mobile banking to log in to other banks' self-service terminals to conduct business across banks, which not only makes it more convenient for customers and improves their experience, but also helps to control the occurrence of risks.

[0113] This invention also provides a system for cross-bank use of bank smart terminals, as described in the following embodiments. Since the principle behind this system's solution is similar to the method for cross-bank use of bank smart terminals, the implementation of this system can refer to the implementation of the method for cross-bank use of bank smart terminals; repeated details will not be elaborated further.

[0114] Figure 6 This is a schematic diagram of the structure of a system for cross-bank use of bank smart terminals in an embodiment of the present invention, as shown below. Figure 6 As shown, the system includes:

[0115] The customer's mobile terminal 01 is used to scan the QR code of the second bank's self-service terminal 02 to obtain the second bank to which the self-service terminal belongs, the terminal number of the self-service terminal, and the current location of the mobile terminal, and then send the second bank to which the self-service terminal belongs, the terminal number of the self-service terminal, and the current location of the mobile terminal to the server of the first bank; wherein, the customer's mobile terminal has the first bank's app installed.

[0116] Server 03 of the first bank is used to generate a cross-bank fingerprint for the customer and determine the cross-bank biometric threshold for the customer based on the second bank to which the self-service terminal belongs and the current location of the mobile terminal; use the terminal number of the self-service terminal as the terminal number corresponding to the customer's cross-bank fingerprint; send the customer's cross-bank fingerprint and the corresponding terminal number to the server of the second bank to which the self-service terminal belongs for storage; send the customer's cross-bank fingerprint to the customer's mobile terminal; verify the customer based on the received facial feature information and the cross-bank biometric threshold corresponding to the received cross-bank fingerprint; and send an authentication success instruction to the server of the second bank after successful verification.

[0117] The second bank self-service terminal 02 is used to receive the cross-bank fingerprint obtained by the customer through a mobile terminal, as well as the customer's facial feature information; send the obtained cross-bank fingerprint and facial feature information to the server of the second bank to which the self-service terminal belongs; and after receiving the authentication success instruction, allow the customer to conduct transactions on the self-service terminal.

[0118] The second bank's server 04 is used to determine whether a cross-bank fingerprint consistent with the cross-bank fingerprint obtained from the self-service terminal is stored, and to determine whether the number of the self-service terminal is consistent with the terminal number corresponding to the cross-bank fingerprint; if a cross-bank fingerprint is stored, and it is determined that the number of the self-service terminal is consistent with the terminal number corresponding to the cross-bank fingerprint, then the obtained cross-bank fingerprint and facial feature information are sent to the first bank's server; and a successful authentication instruction is issued to the self-service terminal.

[0119] In one embodiment, the server of the first bank is specifically used for:

[0120] Obtain the customer's transaction data and determine the multiple transaction types corresponding to the customer;

[0121] Obtain interbank transaction data with the second bank, and based on this interbank transaction data, determine the interbank risk coefficients and corresponding upper bounds of error convergence for multiple transaction types corresponding to the customer.

[0122] Based on the cross-bank risk coefficients and corresponding upper bounds of error convergence for the customer's multiple transaction types, a cross-bank fingerprint for the customer is generated.

[0123] Based on the current location of the mobile terminal, determine the cross-bank biometric threshold for the customer.

[0124] In one embodiment, acquiring interbank transaction data with a second bank and determining, based on the interbank transaction data, interbank risk coefficients and corresponding upper bounds of error convergence for multiple transaction types corresponding to the customer may include:

[0125] Set a threshold for the amount of data across rows;

[0126] Select the cross-bank transaction data corresponding to each transaction type for this customer from the cross-bank transaction data;

[0127] The cross-bank transaction data for each transaction type corresponding to this customer is divided into multiple cross-bank data subsets according to the chronological order of the transaction type.

[0128] The proportion of risky transactions in each cross-bank data subset corresponding to each transaction type for that customer is used as the cross-bank risk sample for that transaction type.

[0129] The interbank risk coefficient for each transaction type corresponding to this customer is determined as the mean of the interbank risk sample for that transaction type;

[0130] The upper bound of the error convergence for each transaction type corresponding to the customer is determined as the ratio of the variance of the interbank risk samples of that transaction type to the number of interbank risk samples of that transaction type.

[0131] In one embodiment, generating a customer's cross-bank fingerprint based on the cross-bank risk coefficients corresponding to multiple transaction types and the corresponding upper bound of error convergence may include:

[0132] Based on the interbank risk coefficient and the corresponding upper bound of error convergence for each transaction type for this customer, determine the priority coefficient for that transaction type;

[0133] Based on the priority coefficients corresponding to each transaction type for this customer, select controllable transaction types from the multiple transaction types corresponding to this customer;

[0134] Generate the customer's cross-bank fingerprint based on the controllable transaction type.

[0135] In one embodiment, generating a customer's cross-bank fingerprint based on a controllable transaction type may include:

[0136] Select the transaction data corresponding to this controllable transaction type from the customer's transaction data;

[0137] Generate a hash value based on the transaction data corresponding to this controllable transaction type;

[0138] Use this hash value as the customer's cross-row fingerprint.

[0139] In one embodiment, determining the customer's cross-bank biometric threshold based on the current location of the mobile terminal may include:

[0140] Based on the current location of the mobile terminal, obtain multiple transaction locations within a specified range from the current location;

[0141] The customer set corresponding to the transaction data of these multiple transaction locations is taken as the customer set corresponding to the current location;

[0142] Based on the customer set corresponding to the current location, determine the self-service terminal corresponding to the current location; among them, the self-service terminal corresponding to the current location belongs to First Bank;

[0143] Based on the self-service terminal corresponding to the current location, determine the cross-bank biometric threshold for this customer.

[0144] In one embodiment, determining the self-service terminal corresponding to the current location based on the customer set corresponding to the current location may include:

[0145] For each self-service terminal of the First Bank, the risk coefficient and customer set corresponding to that self-service terminal are determined based on the transaction data of that self-service terminal.

[0146] Based on the customer set corresponding to the current location, the risk coefficient and customer set corresponding to each self-service terminal of the First Bank, the self-service terminal corresponding to the current location is determined.

[0147] In one embodiment, determining the customer's cross-bank biometric threshold based on the self-service terminal corresponding to the current location may include:

[0148] Use the transaction data of the self-service terminal corresponding to the current location as the transaction data corresponding to the current location;

[0149] Set multiple face matching values;

[0150] For each face matching value, determine the proportion of risk data in the transaction data corresponding to the current location when the face matching threshold is set to that face matching value, and use that proportion as the risk coefficient corresponding to that face matching value;

[0151] Based on setting multiple face matching values ​​and the risk coefficient corresponding to each face matching value, a correspondence between the face threshold and the risk coefficient at the current location is constructed;

[0152] Obtain the face threshold stored for the customer on the server, and determine the proportion of risk data in the bank's transaction data stored on the server when the face matching threshold is set to the face threshold stored for the customer on the server. Use this proportion as the face risk coefficient corresponding to the customer.

[0153] Based on the customer's facial risk coefficient and the correspondence between the current location's facial threshold and risk coefficient, the customer's cross-bank biometric threshold is determined.

[0154] This invention also provides a computer device, including a memory, a processor, and a computer program stored in the memory and executable on the processor. When the processor executes the computer program, it implements the above-described method for cross-bank use of a smart bank terminal.

[0155] This invention also provides a computer-readable storage medium storing a computer program that, when executed by a processor, implements the aforementioned method for cross-bank use of a smart bank terminal.

[0156] This invention also provides a computer program product, which includes a computer program that, when executed by a processor, implements the above-described method for cross-bank use of a smart bank terminal.

[0157] In this embodiment of the invention, the solution for cross-bank use of bank smart terminals involves: a customer's mobile terminal scanning the QR code of a second bank's self-service terminal to obtain the second bank to which the self-service terminal belongs and the terminal number of the self-service terminal; sending the second bank to which the self-service terminal belongs, the terminal number of the self-service terminal, and the current location of the mobile terminal to the server of a first bank; wherein, the customer's mobile terminal has the first bank's app installed; the server of the first bank generates the customer's cross-bank fingerprint and determines the customer's cross-bank biometric threshold based on the second bank to which the self-service terminal belongs and the current location of the mobile terminal; using the terminal number of the self-service terminal as the terminal number corresponding to the customer's cross-bank fingerprint; sending the customer's cross-bank fingerprint and the corresponding terminal number to the server of the second bank to which the self-service terminal belongs for storage; sending the customer's cross-bank fingerprint to the customer's mobile terminal; and the second bank's self-service terminal receiving the cross-bank fingerprint obtained by the customer through the mobile terminal and the customer's... The system receives facial feature information and sends the obtained cross-bank fingerprint and facial feature information to the server of the second bank to which the self-service terminal belongs. The second bank's server determines whether it stores a cross-bank fingerprint that matches the one obtained from the self-service terminal, and whether the self-service terminal's number matches the terminal number corresponding to the cross-bank fingerprint. If a cross-bank fingerprint is stored and the self-service terminal's number matches the terminal number corresponding to the cross-bank fingerprint, the system sends the obtained cross-bank fingerprint and facial feature information to the server of the first bank. The first bank's server verifies the customer based on the received facial feature information and the cross-bank biometric threshold corresponding to the received cross-bank fingerprint. After successful verification, the system sends an authentication success command to the second bank's server. The second bank's server then sends the authentication success command to the self-service terminal. Upon receiving the authentication success command, the self-service terminal allows the customer to conduct transactions on the self-service terminal, enabling convenient and secure cross-bank use of bank smart terminals and improving user experience.

[0158] Those skilled in the art will understand that embodiments of the present invention can be provided as methods, systems, or computer program products. Therefore, the present invention can take the form of a completely hardware embodiment, a completely software embodiment, or an embodiment combining software and hardware aspects. Furthermore, the present invention can take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.

[0159] This invention is described with reference to flowchart illustrations and / or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each block of the flowchart illustrations and / or block diagrams, and combinations of blocks in the flowchart illustrations and / or block diagrams, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, special-purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, generate instructions for implementing the flowchart illustrations and / or block diagrams. Figure 1 One or more processes and / or boxes Figure 1 A device that provides the functions specified in one or more boxes.

[0160] These computer program instructions may also be stored in a computer-readable storage medium that can direct a computer or other programmable data processing device to function in a particular manner, such that the instructions stored in the computer-readable storage medium produce an article of manufacture including instruction means, which are implemented in a process Figure 1 One or more processes and / or boxes Figure 1 The function specified in one or more boxes.

[0161] These computer program instructions may also be loaded onto a computer or other programmable data processing equipment to cause a series of operational steps to be performed on the computer or other programmable equipment to produce a computer-implemented process, thereby providing instructions that execute on the computer or other programmable equipment for implementing the process. Figure 1 One or more processes and / or boxes Figure 1 The steps of the function specified in one or more boxes.

[0162] The specific embodiments described above further illustrate the purpose, technical solution, and beneficial effects of the present invention. It should be understood that the above descriptions are merely specific embodiments of the present invention and are not intended to limit the scope of protection of the present invention. Any modifications, equivalent substitutions, improvements, etc., made within the spirit and principles of the present invention should be included within the scope of protection of the present invention.

Claims

1. A method for cross-line use of a bank intelligent terminal, characterized in that, include: The customer's mobile phone scans the QR code of the second bank's self-service terminal to obtain the second bank to which the self-service terminal belongs, the terminal number of the self-service terminal, and the current location of the mobile phone, and sends the second bank to which the self-service terminal belongs, the terminal number of the self-service terminal, and the current location of the mobile phone to the server of the first bank. The server of the first bank obtains the customer's transaction data and determines the multiple transaction types corresponding to the customer; the server of the first bank obtains the interbank transaction data with the second bank, and based on the interbank transaction data, determines the interbank risk coefficients and corresponding upper bounds of error convergence for the multiple transaction types corresponding to the customer. First Bank's server determines the priority coefficient for each transaction type based on the interbank risk coefficient and the corresponding upper bound of error convergence for that customer; based on the priority coefficients for each transaction type for that customer, it selects controllable transaction types from the multiple transaction types for that customer; it selects the transaction data corresponding to the controllable transaction type from the customer's transaction data; it generates a hash value based on the transaction data corresponding to the controllable transaction type; and it uses this hash value as the customer's interbank fingerprint. The server of the first bank determines the cross-bank biometric threshold of the customer based on the current location of the mobile terminal; uses the terminal number of the self-service terminal as the terminal number corresponding to the customer's cross-bank fingerprint; sends the customer's cross-bank fingerprint and the terminal number corresponding to the cross-bank fingerprint to the server of the second bank to which the self-service terminal belongs for storage; and sends the customer's cross-bank fingerprint to the customer's mobile terminal. The self-service terminal of the second bank receives the cross-bank fingerprint and facial feature information obtained by the customer through the mobile terminal; and sends the obtained cross-bank fingerprint and facial feature information to the server of the second bank to which the self-service terminal belongs. The second bank's server determines whether it stores a cross-bank fingerprint that matches the cross-bank fingerprint obtained from the self-service terminal, and whether the number of the self-service terminal matches the terminal number corresponding to the cross-bank fingerprint. If a cross-bank fingerprint is stored, and it is determined that the number of the self-service terminal matches the terminal number corresponding to the cross-bank fingerprint, then the obtained cross-bank fingerprint and facial feature information are sent to the first bank's server. The server of the first bank verifies the customer based on the received facial feature information and the cross-bank biometric threshold corresponding to the received cross-bank fingerprint; after successful verification, it sends an authentication success instruction to the server of the second bank. The second bank's server will send a successful authentication command to the self-service terminal; After receiving the successful authentication instruction, the self-service terminal allows the customer to conduct transactions on the terminal.

2. The method for using the bank intelligent terminal across lines according to claim 1, wherein, The First Bank's server acquires interbank transaction data with the Second Bank and, based on this data, determines the interbank risk coefficients and corresponding upper bounds of error convergence for multiple transaction types corresponding to the customer, including: Set a threshold for the amount of data across rows; Select the cross-bank transaction data corresponding to each transaction type for this customer from the cross-bank transaction data; The cross-bank transaction data for each transaction type corresponding to this customer is divided into multiple cross-bank data subsets according to the chronological order of the transaction type. The proportion of risky transactions in each cross-bank data subset corresponding to each transaction type for that customer is used as the cross-bank risk sample for that transaction type. The interbank risk coefficient for each transaction type corresponding to this customer is determined as the mean of the interbank risk sample for that transaction type; The upper bound of the error convergence for each transaction type corresponding to the customer is determined as the ratio of the variance of the interbank risk samples of that transaction type to the number of interbank risk samples of that transaction type.

3. The method for using the bank intelligent terminal across lines according to claim 1, wherein, Based on the interbank risk coefficient and the corresponding upper bound of error convergence for each transaction type for this customer, the priority coefficient for that transaction type is determined, including the priority coefficient for each transaction type for this customer according to the following method: ； in, This is the customer's corresponding number Priority coefficient for each transaction type and This is the customer's corresponding number The interbank risk coefficient and the corresponding upper bound of error convergence for each transaction type. It is a binary real-valued function. The partial derivative with respect to the first independent variable is less than 0, and, The partial derivative with respect to the second independent variable is less than 0.

4. The method for cross-bank use of a bank smart terminal as described in claim 1, characterized in that, First Bank's server determines the customer's cross-bank biometric threshold based on the mobile terminal's current location, including: Based on the current location of the mobile terminal, obtain multiple transaction locations within a specified range from the current location; The customer set corresponding to the transaction data of these multiple transaction locations is taken as the customer set corresponding to the current location; Based on the customer set corresponding to the current location, determine the self-service terminal corresponding to the current location; among them, the self-service terminal corresponding to the current location belongs to First Bank; Based on the self-service terminal corresponding to the current location, determine the cross-bank biometric threshold for this customer.

5. The method for using the bank intelligent terminal across lines according to claim 4, wherein, Based on the customer set corresponding to the current location, determine the self-service terminal corresponding to the current location, including: For each self-service terminal of the First Bank, the risk coefficient and customer set corresponding to that self-service terminal are determined based on the transaction data of that self-service terminal. Based on the customer set corresponding to the current location, the risk coefficient and customer set corresponding to each self-service terminal of the First Bank, the self-service terminal corresponding to the current location is determined.

6. The method for using the bank intelligent terminal across lines according to claim 4, wherein, Based on the self-service terminal corresponding to the current location, determine the customer's cross-bank biometric threshold, including: Use the transaction data of the self-service terminal corresponding to the current location as the transaction data corresponding to the current location; Set multiple face matching values; For each face matching value, determine the proportion of risk data in the transaction data corresponding to the current location when the face matching threshold is set to that face matching value, and use that proportion as the risk coefficient corresponding to that face matching value; Based on setting multiple face matching values ​​and the risk coefficient corresponding to each face matching value, a correspondence between the face threshold and the risk coefficient at the current location is constructed; Obtain the face threshold stored for the customer on the server, and determine the proportion of risk data in the bank's transaction data stored on the server when the face matching threshold is set to the face threshold stored for the customer on the server. Use this proportion as the face risk coefficient corresponding to the customer. Based on the customer's facial risk coefficient and the correspondence between the current location's facial threshold and risk coefficient, the customer's cross-bank biometric threshold is determined.

7. A system for cross-line use of a bank kiosk, the system comprising: include: The customer's mobile terminal is used to scan the QR code of the second bank's self-service terminal to obtain the second bank to which the self-service terminal belongs, the terminal number of the self-service terminal, and the current location of the mobile terminal, and then send the second bank to which the self-service terminal belongs, the terminal number of the self-service terminal, and the current location of the mobile terminal to the server of the first bank. First Bank's server is used to obtain the customer's transaction data and determine the multiple transaction types corresponding to the customer; The system acquires interbank transaction data with the second bank and, based on this data, determines the interbank risk coefficients and corresponding upper bounds of error convergence for multiple transaction types corresponding to the customer. It then determines the priority coefficient for each transaction type based on these coefficients. Based on these priority coefficients, it selects controllable transaction types from the customer's multiple transaction types. It then selects the transaction data corresponding to the controllable transaction type from the customer's transaction data. A hash value is generated based on this controllable transaction data. This hash value is used as the customer's interbank fingerprint. The system determines the customer's interbank biometric threshold based on the current location of the mobile terminal. The system uses the terminal number of the self-service terminal as the terminal number corresponding to the customer's interbank fingerprint. The system sends the customer's interbank fingerprint and the corresponding terminal number to the server of the second bank to which the self-service terminal belongs for storage. The system sends the customer's interbank fingerprint to the customer's mobile terminal. Based on the received facial feature information and the received interbank fingerprint's corresponding interbank biometric threshold, the system verifies the customer. Upon successful verification, it sends an authentication success command to the second bank's server. The self-service terminal of the second bank is used to receive the cross-bank fingerprint obtained by the customer through the mobile terminal, as well as the customer's facial feature information. The obtained cross-bank fingerprint and facial feature information is sent to the server of the second bank to which the self-service terminal belongs; after receiving the authentication success instruction, the customer is allowed to conduct transactions on the self-service terminal. The second bank's server is used to determine whether a cross-bank fingerprint consistent with the cross-bank fingerprint obtained from the self-service terminal is stored, and to determine whether the number of the self-service terminal is consistent with the terminal number corresponding to the cross-bank fingerprint; if a cross-bank fingerprint is stored, and it is determined that the number of the self-service terminal is consistent with the terminal number corresponding to the cross-bank fingerprint, then the obtained cross-bank fingerprint and facial feature information are sent to the first bank's server. The authentication success command will be sent to the self-service terminal.

8. The system for cross-line use of a bank kiosk of claim 7, wherein, Obtain interbank transaction data with the second bank, and based on this data, determine the interbank risk coefficients and corresponding upper bounds of error convergence for multiple transaction types corresponding to the customer, including: Set a threshold for the amount of data across rows; Select the cross-bank transaction data corresponding to each transaction type for this customer from the cross-bank transaction data; The cross-bank transaction data for each transaction type corresponding to this customer is divided into multiple cross-bank data subsets according to the chronological order of the transaction type. The proportion of risky transactions in each cross-bank data subset corresponding to each transaction type for that customer is used as the cross-bank risk sample for that transaction type. The interbank risk coefficient for each transaction type corresponding to this customer is determined as the mean of the interbank risk sample for that transaction type; The upper bound of the error convergence for each transaction type corresponding to the customer is determined as the ratio of the variance of the interbank risk samples of that transaction type to the number of interbank risk samples of that transaction type.

9. The system for cross-line use of a bank kiosk of claim 7, wherein, Based on the current location of the mobile terminal, determine the customer's cross-bank biometric threshold, including: Based on the current location of the mobile terminal, obtain multiple transaction locations within a specified range from the current location; The customer set corresponding to the transaction data of these multiple transaction locations is taken as the customer set corresponding to the current location; Based on the customer set corresponding to the current location, determine the self-service terminal corresponding to the current location; among them, the self-service terminal corresponding to the current location belongs to First Bank; Based on the self-service terminal corresponding to the current location, determine the cross-bank biometric threshold for this customer.

10. The system for cross-line use of a bank kiosk of claim 9, wherein, Based on the customer set corresponding to the current location, determine the self-service terminal corresponding to the current location, including: For each self-service terminal of the First Bank, the risk coefficient and customer set corresponding to that self-service terminal are determined based on the transaction data of that self-service terminal. Based on the customer set corresponding to the current location, the risk coefficient and customer set corresponding to each self-service terminal of the First Bank, the self-service terminal corresponding to the current location is determined.

11. The system for cross-line use of a bank kiosk of claim 9, wherein, Based on the self-service terminal corresponding to the current location, determine the customer's cross-bank biometric threshold, including: Use the transaction data of the self-service terminal corresponding to the current location as the transaction data corresponding to the current location; Set multiple face matching values; For each face matching value, determine the proportion of risk data in the transaction data corresponding to the current location when the face matching threshold is set to that face matching value, and use that proportion as the risk coefficient corresponding to that face matching value; Based on setting multiple face matching values ​​and the risk coefficient corresponding to each face matching value, a correspondence between the face threshold and the risk coefficient at the current location is constructed; Obtain the face threshold stored for the customer on the server, and determine the proportion of risk data in the bank's transaction data stored on the server when the face matching threshold is set to the face threshold stored for the customer on the server. Use this proportion as the face risk coefficient corresponding to the customer. Based on the customer's facial risk coefficient and the correspondence between the current location's facial threshold and risk coefficient, the customer's cross-bank biometric threshold is determined.

12. A computer device comprising a memory, a processor, and a computer program stored on the memory and executable on the processor, characterized in that, When the processor executes the computer program, it implements the method of any one of claims 1 to 6.

13. A computer-readable storage medium, characterized in that, The computer-readable storage medium stores a computer program that, when executed by a processor, implements the method of any one of claims 1 to 6.

14. A computer program product, characterised in that, The computer program product includes a computer program that, when executed by a processor, implements the method of any one of claims 1 to 6.

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