Bank self-service financial service system

Abstract

The invention belongs to the technical field of financial services, and particularly relates to a bank self-service financial service system which comprises a database module, an identification module, an interface switching module and a safety guarantee module. The database module is used for storing the card surface information and the first identity information, and associating the card surface information with the first identity information; the recognition module is used for acquiring and recognizing second identity information of the user and judging whether the second identity information is matched with the first identity information or not; the method comprises the following steps: after a user inserts a card into an ATM, extracting first identity information corresponding to card surface information; whether the first identity information is matched with the second identity information or not is judged, and if matching succeeds, the service interface of the ATM is switched, so that the service efficiency and quality can be improved when the elderly user independently uses the self-service financial service equipment to carry out account changing behaviors, and unmanned and online development of financial institutions is adapted.

Description

Technical Field

[0001] The invention belongs to the technical field of financial services, in particular to a bank self-service financial service system. Background Art

[0002] Self-service banking services refer to the service mode in which customers can complete financial transactions and related operations by themselves through self-service devices, electronic channels or mobile applications, without face-to-face services from bank tellers or other bank staff. Such services are aimed at improving the convenience, efficiency and customer experience of banking services, while reducing the operating costs of banks.

[0003] With the development of unmanned and online financial institutions, the number of traditional bank branches has decreased, which has brought inconvenience to the elderly. The elderly prefer to conduct financial transactions at physical branches, and the reduction in the number of branches means that they need to wait in line for a long time, which affects the service quality and efficiency. It also causes service personnel to work for a long time, which is labor-intensive. For young people, as the number of branches decreases, they can use self-service financial service equipment, such as ATMs, for simple deposit and withdrawal services. However, for the elderly, they face the problem of digital divide when using self-service financial service equipment. Faced with the reduction in the number of bank branches, the elderly group must use self-service financial services if they want to complete deposit and withdrawal operations efficiently. However, for the elderly group, self-service financial services require them to operate financial service equipment alone, which leads to the problem of digital divide.

[0004] To this end, the present invention provides a bank self-service financial service system. Summary of the invention

[0005] In order to make up for the deficiencies of the prior art, at least one technical problem raised in the background technology is solved.

[0006] The technical solution adopted by the present invention to solve the technical problem is: a bank self-service financial service system described in the present invention comprises: A database module, used to store the card information and the first identity information, and associate the card information with the first identity information; An identification module, used to obtain and identify the second identity information of the user, and determine whether the second identity information matches the first identity information; When the first identity information does not match the second identity information, an abnormal instruction is output and uploaded to the security assurance module; When the first identity information matches the second identity information, determining whether to switch the service interface of the ATM machine according to the user age recorded in the first identity information; Interface switching module, used to switch the service interface of the ATM machine; Security module, used to confirm user identity and generate alarms; The method for switching the service interface of the ATM machine is: When the first identity information matches the second identity information; If the first identity information satisfies the condition that the user age is greater than the age threshold, the interface switching instruction is output and uploaded to the interface switching module; if the first identity information does not satisfy the condition that the user age is greater than the age threshold, the interface switching instruction is not output.

[0007] Preferably, the database module is also used to construct a user portrait based on the user's first identity information; the user portrait includes visually impaired users and hearing-impaired users; the database module includes a card surface information storage unit and a user identity information storage unit, the card surface information storage unit is used to store the card surface information, and the user identity information storage unit is used to store the first identity information and the user portrait, and the user portrait is associated with the first identity information.

[0008] Preferably, the recognition module includes a card face recognition unit, a biometric recognition unit and a judgment module; the card face recognition unit is used to recognize the card information inserted into the ATM machine and extract the first identity information; the biometric recognition unit is used to obtain the second identity information based on the facial recognition technology; the judgment module is used to judge whether the first identity information matches the second identity information; Preferably, the interface switching module includes an interface storage unit and a first instruction receiving unit, and the interface storage unit is used to store the conventional service interface and the simplified service interface; The conventional service interface meets the needs of normal users; the simplified service interface meets the needs of elderly users and users with disabilities; The first instruction receiving unit is used to receive an interface switching instruction and switch the service interface of the ATM machine according to the interface switchable instruction.

[0009] Preferably, the safety assurance module includes a second instruction receiving unit and an alarm bell; the second instruction receiving unit is used to receive abnormal instructions and output confirmation information according to the abnormal instructions: If the alarm is not activated within the preset time range, the alarm will not work if the alarm is not activated. The second instruction receiving unit is further used to receive feedback information.

[0010] Preferably, it also includes an adaptive adjustment module, which is used to automatically switch the service interface of the ATM machine; the adaptive adjustment module includes a data statistics unit and an analysis unit; the data statistics unit is used to count the number of times the ATM machine is used and the number of interface switches in any time period; the analysis unit is used to generate an adaptive adjustment instruction.

[0011] Preferably, the method for generating the adaptive adjustment instruction is: Get the historical data of any date, and split the time corresponding to the historical data to get the time period sequence , ; where each time period has the same length; Get the Number of ATM usages during a time period And interface switching times ; According to the formula, calculate Frequency of requests for the simple service interface during the time period ;

[0012] Based on the above formula, we can calculate Frequency of requests for the simple service interface during the time period ; The demand frequency With frequency threshold For comparison, if , then the adaptive adjustment instruction is output to control the interface switching module to automatically switch the service interface; otherwise, no adaptive adjustment instruction is output.

[0013] Preferably, the method for generating the adaptive adjustment instruction further includes: Introducing influence functions ; Update demand frequency The formula is:

[0014] in, To optimize demand frequency; The influence function Expressed as:

[0015] in, For the historical holiday The characterization data of the number of times an ATM machine is used within a time period is obtained by obtaining the first The number of times the ATM machines are used within a time period, and the central tendency of the number of times the ATM machines are used on multiple historical holidays is measured to obtain representative data.

[0016] Preferably, the method for switching the service interface of the ATM machine further includes: When the first identity information does not match the second identity information and within a preset time range, the security assurance module receives feedback information: Acquire the second identity information, and sequentially match and identify it with all the first identity information in the user identity information storage unit in the database module; If there is no successful match, no interface switching instruction will be output; On the contrary, if there is a successful match, a determination is made as to whether the user's age is greater than the age threshold based on the successfully matched first identity information: When the user age is greater than the age threshold, the interface switching instruction is output, otherwise the interface switching instruction is not output.

[0017] Preferably, the security module further includes a behavior recognition unit; the behavior recognition unit is used to recognize abnormal behavior of the user and upload the abnormal behavior; The method for identifying the abnormal behavior is: Get all abnormal information generated by the account within a period; Aggregate all abnormal information to constitute abnormal behavior; Analyze and identify the abnormal behavior: If there is a withdrawal or transfer record in the account after each abnormal information, the account will be frozen; otherwise, the account will not be frozen; The account is the bank held by the user; the card information includes the bank card account information, card opening time, and card opening user identity information.

[0018] The beneficial effects of the present invention are as follows: 1. A bank self-service financial service system described in the present invention collects the user's second identity information based on biometric recognition technology by setting an identification module; the second identity information includes the user's three-dimensional structured light head portrait; after the user inserts the card into the ATM machine, the first identity information corresponding to the card surface information is extracted; and then it is determined whether the first identity information matches the second identity information. If the match is successful, the service interface of the ATM machine is switched, otherwise it is not switched; when the elderly user independently uses the self-service financial service device to move the account, the service efficiency and quality can be improved, and the development of unmanned and online financial institutions can be adapted; 2. A bank self-service financial service system described in the present invention, through the security module, when the second instruction receiving unit receives abnormal information, it will output confirmation information to the mobile phone of the user corresponding to the first identity information, and the user corresponding to the first identity information will confirm within a preset time range. When the security module receives the feedback information, if the user fails to output the feedback information within the preset time range, an alarm will be generated, thereby avoiding the loss of property of the elderly due to the loss of their bank cards and passwords. BRIEF DESCRIPTION OF THE DRAWINGS

[0019] The present invention will be further described below in conjunction with the accompanying drawings.

[0020] Figure 1 is a flow chart of the present invention; Figure 2 It is a schematic diagram of a conventional service interface in the present invention; Figure 3 This is a schematic diagram of the simple service interface in the present invention Figure 1 ; Figure 4 This is a schematic diagram of the simple service interface in the present invention Figure 2 . DETAILED DESCRIPTION

[0021] In order to make the technical means, creative features, objectives and effects achieved by the present invention easy to understand, the present invention is further explained below in conjunction with specific implementation methods.

[0022] like Figures 1 to 4 As shown, a bank self-service financial service system according to an embodiment of the present invention comprises a database module, an identification module, an interface switching module and a security module; the database module is used to store card information and first identity information, and associate the card information with the first identity information; the identification module is used to obtain and identify the second identity information of the user, and determine whether the second identity information matches the first identity information; when the first identity information does not match the second identity information, an abnormal instruction is output and uploaded to the security module; when the first identity information matches the second identity information, whether to switch the service interface of the ATM machine is determined according to the user age recorded in the first identity information; the interface switching module is used to switch the service interface of the ATM machine; the security module is used to confirm the user identity and generate an alarm; The method for switching the service interface of the ATM machine is: When the first identity information matches the second identity information; If the first identity information satisfies the condition that the user age is greater than the age threshold, the interface switching instruction is output and uploaded to the interface switching module; if the first identity information does not satisfy the condition that the user age is greater than the age threshold, the interface switching instruction is not output.

[0023] In the face of a reduction in the number of bank branches, the elderly group needs to use self-service financial services if they want to complete deposit and withdrawal operations efficiently. However, for the elderly group, self-service financial services require operating financial service equipment alone, which leads to the problem of the digital divide. Based on the above, in one embodiment of the present invention, in order to facilitate the elderly group to adapt to the unmanned and online development of financial institutions, an identification module is set on the traditional ATM machine, and the user's second identity information is collected based on biometric technology. The second identity information includes the user's three-dimensional structured light head portrait; after the user inserts the card into the ATM machine, the first identity information corresponding to the card surface information is extracted; the first identity information is stored in the card surface information mapped The user identity information in the database module; then determine whether the first identity information matches the second identity information. If the match is successful, that is, the first identity information matches the second identity information, then determine whether the user age carried by the first identity information is greater than the age threshold. If it is satisfied, the service interface of the ATM machine is switched, otherwise it is not switched; wherein the service interface of the ATM machine is divided into a regular service interface and a simple service interface, wherein the regular service interface includes functions such as deposit, withdrawal, transfer, and account query, while the simple service interface only includes deposit and withdrawal functions; through the above, when elderly users independently use self-service financial service equipment to perform account-changing behaviors, they can improve service efficiency and quality, and adapt to the unmanned and online development of financial institutions; When the first identity information does not match the second identity information, an abnormal instruction is output and sent to the security module. The security module can send a confirmation message to the user's mobile phone number associated with the first identity information according to the received abnormal instruction to confirm the user's identity information or generate an alarm. It can be understood that when depositing and withdrawing money, it is not necessarily done by the person himself, but can be done by a trusted family member. In this case, the first identity information and the second identity information must be different. Therefore, the abnormal instruction generated can be fed back by the user holding the bank card, thereby avoiding an alarm. Exemplarily, when user A needs to use the self-service financial service equipment to make deposit and withdrawal operations, he first identifies the identity information through biometric technology, that is, obtains the second identity information of user A. When user A enters the ATM machine, he inserts the bank card into the ATM machine. At this time, the identification module extracts the first identity information of user A from the database module, and then determines whether the first identity information matches the second identity information. When the first identity information matches the second identity information successfully, the system considers user A to be the real user holding the bank card, and then determines whether the user age carried in the first identity information of user A is greater than the age threshold. Assuming that user A is an elderly user, after analysis, the interface switching instruction is output, and the service interface of the ATM corresponding to user A will switch to the simple service interface, thereby facilitating user A to make deposit and withdrawal operations.

[0024] In one embodiment, the database module is also used to construct a user portrait based on the user's first identity information; the user portrait includes visually impaired users and hearing-impaired users; the database module includes a card surface information storage unit and a user identity information storage unit, the card surface information storage unit is used to store card surface information, and the user identity information storage unit is used to store the first identity information and the user portrait, and the user portrait is associated with the first identity information.

[0025] In order to be able to identify the user's identity, it is necessary to pre-store the card information of the bank card held by the user and the user's identity information. In one embodiment of the present invention, after the user applies for a bank card, the user's card information and identity information are respectively stored in a card information storage unit and a user identity information storage unit, wherein the user identity information and the card information are in a mapping relationship, and one user identity information can be mapped to multiple card information; when the user needs to use an ATM machine to move an account, the identification module can retrieve the card information corresponding to the bank card inserted by the user into the ATM machine, and at the same time obtain the first identity information corresponding to the card information, and compare and judge it with the second identity information. Based on the above, setting a database module to store card information and user identity information is the basis for improving the service efficiency and quality of self-service financial service equipment.

[0026] In addition, the database module can also construct a user portrait based on the identity registration when the user applies for a bank card. In one embodiment of the present invention, visual impairment and hearing impairment are specifically used as the two basic conditions for constructing a user portrait. When the user identity information shows that the user is a visually impaired user, the user portrait information can be obtained synchronously when the user is identified. Assuming that after user A is identified, the system recognizes user A as a visually impaired user, the system can add a voice broadcast function after the interface switching instruction is generated. When the user operates, a corresponding voice explanation can be generated to help user A complete simple access operations. In addition, a help button is provided to enable the user to seek help from the staff in a timely manner when a problem occurs.

[0027] In one embodiment, the recognition module includes a card surface recognition unit, a biometric recognition unit and a judgment module; the card surface recognition unit is used to recognize the card information inserted into the ATM machine and extract the first identity information; the biometric recognition unit is used to obtain the second identity information based on facial recognition technology; the judgment module is used to determine whether the first identity information matches the second identity information.

[0028] In some cases, such as when a user loses a bank card and exposes the bank card password, in the prior art, only the bank card and the corresponding password are needed to complete the withdrawal and transfer behavior. Therefore, for users who lose their bank cards, there is undoubtedly a great risk. In response to the above problem, in one embodiment of the present invention, in order to adapt to the elderly group to deposit and withdraw money, the first identity information and the second identity information are obtained through the identification module. When the first identity information matches the second identity information, the service interface of the ATM machine is automatically switched. Based on the above, the identification module can obtain the first identity information and the second identity information of the user. When the user loses the bank card and exposes the bank card password, if there are other users impersonating and withdrawing or transferring money, since the first identity information and the second identity information do not match, the judgment module will output a mismatched judgment result, and at the same time, the judgment result will be uploaded to the security module, and the security module will confirm the user's identity. It can be understood that if the user's identity is not confirmed, an alarm can be generated, thereby avoiding the user's property loss and reducing the risk of losing the bank card and the corresponding password; especially for the elderly group, the possibility of losing and exposing the bank card and password is greater, so by setting the identification module, such problems can be avoided to a certain extent.

[0029] In one embodiment, the interface switching module includes an interface storage unit and a first instruction receiving unit, and the interface storage unit is used to store the conventional service interface and the simplified service interface; The conventional service interface meets the needs of normal users; the simplified service interface meets the needs of elderly users and users with disabilities; The first instruction receiving unit is used to receive an interface switching instruction and switch the service interface of the ATM machine according to the interface switchable instruction.

[0030] Due to the development of unmanned and online financial institutions, the number of bank branches has decreased, and the elderly group prefers to handle business at bank counters and is not proficient in using the bank's self-service financial service equipment. The reason is that the existing self-service financial service equipment is too complicated, including functions such as deposits, withdrawals, transfers, and account inquiries, which are difficult for the elderly to adapt to. Based on the above, in one embodiment of the present invention, based on program modification, the software system of the traditional ATM machine is modified so that the traditional ATM machine can switch between multiple operating systems. The multiple operating system switching can switch the service interface. As mentioned above, the service interface switching includes a simple service interface and a conventional service interface. When the user's age meets the age threshold based on the first identity information, an interface switching instruction is output, and the first instruction receiving unit built into the interface switching module receives the instruction, and switches the service interface of the ATM machine to a simple service interface, thereby satisfying the needs of the elderly. For use by the elderly, based on the above adjustments, when the elderly need to use ATMs for deposit and withdrawal operations, the simple service interface can reduce the digital divide problem of the elderly operating self-service financial service equipment alone, thereby accelerating account operations and improving the service efficiency and quality of the bank's offline self-service financial service equipment. Based on the above, for normal elderly users, the simple service interface retains simple functions, including deposits and withdrawals, etc., and the deposit, withdrawal and other function buttons are slightly larger than those of the conventional service interface. For users with visual impairments, after the impaired user inserts the bank card into the ATM, the identification module extracts the first identity information and the user portrait to identify the user. If the first identity information matches the second identity information successfully, and the user corresponding to the user portrait is a defective user, the simple service interface for the defective user should also be configured with a voice explanation function. For users with hearing impairments, the simple service interface can enlarge the deposit and withdrawal function buttons, such as Figures 2 to 4 shown.

[0031] In one embodiment, the security module includes a second instruction receiving unit and an alarm bell; the second instruction receiving unit is used to receive abnormal instructions and output confirmation information according to the abnormal instructions: If the alarm is not activated within the preset time range, the alarm will not work if the alarm is not activated. The second instruction receiving unit is further used to receive feedback information.

[0032] It is understandable that when the elderly group informs other users of their bank cards and passwords and asks other users to help the elderly to deposit and withdraw money, since the first identity information does not match the second identity information, the security module will receive abnormal information through the second instruction receiving unit. In order to avoid the elderly's bank card and password being lost and thus causing property losses, in one embodiment of the present invention, after the second instruction receiving unit receives the abnormal information, it will output confirmation information to the mobile phone of the user corresponding to the first identity information, and the user corresponding to the first identity information will confirm it within a preset time range. For example, user A cannot independently go to the self-service financial service device to deposit and withdraw money, and he entrusts user B to help. When user B uses user A's bank card and password to make deposits and withdrawals, since the first identity information does not match the second identity information, the security module will send a confirmation message to user A's mobile phone number, and user A will output feedback information to the security module within a preset time range, such as 10 minutes. When the security module receives the feedback information, it is considered that user B's deposit and withdrawal operations are allowed; on the contrary, if user A fails to output feedback information within the preset time range, an alarm will ring, and user B will not be allowed to make deposits and withdrawals. More specifically, user B will not be allowed to make withdrawals and transfers. Based on the above, the use of the security module can effectively prevent property losses when users lose their bank cards and expose their passwords. In addition, in order to prevent users from being coerced into performing risky behaviors such as transferring money on ATM machines, the security module is also provided with a camera, which is used to obtain videos of users operating ATM machines, and generate logs by time, which are stored in the database module; the corresponding database module should be provided with a temporary storage space for storing video data; based on the above, exemplary, in actual application, if a user is coerced into performing a transfer through an ATM machine, the user's expression and actions will inevitably be abnormal compared to normal operations. By obtaining abnormal behaviors, a secret alarm can be triggered. The secret alarm can be understood as, when a user is coerced into performing risky behaviors such as transferring money, the user's abnormal behavior or actions can be captured to identify whether the user is abnormal, and after identifying the user's abnormality, a secret alarm is performed in the background instead of an alarm bell. Assuming that the user is coerced, and the coercer and the user are in the ATM counter, the alarm bell may cause a safety hazard to the user. Among them, the secret alarm is specifically that after the background receives the secret alarm, the bank security personnel can be dispatched to the ATM counter for inspection, thereby providing a certain protection effect for the user.

[0033] In one embodiment, it also includes an adaptive adjustment module, which is used to automatically switch the service interface of the ATM machine; the adaptive adjustment module includes a data statistics unit and an analysis unit; the data statistics unit is used to count the number of times the ATM machine is used and the number of interface switches in any time period; the analysis unit is used to generate an adaptive adjustment instruction.

[0034] In the actual application of the ATM machine with switchable service interface, since the service interface is switched according to the age corresponding to the first identity information, if there are users whose age is greater than the age threshold among the users queuing to use the self-service financial service equipment, the ATM machine will frequently switch the service interface under the action of the interface switching module, which will cause a large burden on the ATM system. In order to avoid the above problem, in one embodiment of the present invention, considering that the number of times the ATM machine is used and the number of times the interface is switched in any time period are different, based on this, the service interface of the ATM machine can be automatically switched using an adaptive adjustment module. It can be foreseen that within a full day, There may be at least one time period in which the age of users served by the ATM is greater than the age threshold, or most of them are greater than the age threshold. Therefore, the ATM will frequently switch to the simple service interface, and then switch to the regular service interface after the service is completed, which places a heavy burden on the ATM system. After adjustment based on the adaptive adjustment module, after analysis, if the age of users served by the ATM is mostly greater than the age threshold in at least one time period, the ATM can be adaptively adjusted to switch to the simple service interface within the time period, and there is no need to switch back to the regular service interface after the user completes the account activity. This can improve the service efficiency and quality of the ATM and reduce the burden on the ATM at the same time.

[0035] In one embodiment, the method for generating the adaptive adjustment instruction is: Get the historical data of any date, and split the time corresponding to the historical data to get the time period sequence , ; where each time period has the same length; Get the Number of ATM usages during a time period And interface switching times ; According to the formula, calculate Frequency of requests for the simple service interface during the time period ;

[0036] Based on the above formula, we can calculate Frequency of requests for the simple service interface during the time period ; The demand frequency With frequency threshold For comparison, if , then the adaptive adjustment instruction is output to control the interface switching module to automatically switch the service interface; otherwise, no adaptive adjustment instruction is output.

[0037] Based on historical data, the historical data includes the number of times the service interface of the ATM machine is switched and the switching time point in any time period; the service interface is initially a regular service interface; The time series model trained based on historical data can output the demand frequency of the ATM service interface. For example, historical data shows that within 24 hours a day, between 6 and 10 in the morning, the ATM is used 20 times, and the ATM service interface is switched 16 times. The demand frequency of switching the service interface during this time period is 16 / 20=80%; and between 10 and 14 noon, the ATM is used 10 times, and the service interface is switched 2 times. The demand frequency of switching the service interface during this time period is 20%; Based on the above, it can be judged that if the 24 hours of a day are divided into multiple time periods with equal time intervals, the demand frequency of switching service interfaces of the ATM machines in each time period will be different. In order to adapt to the switching service interfaces of the ATM machines, statistics and analysis can be performed based on historical data, and time periods with higher demand frequencies can be set as high-frequency usage scenarios of simple service interfaces. In the time periods corresponding to the high-frequency usage scenarios of simple service interfaces, the analysis unit outputs adaptive adjustment instructions to control the interface switching module to automatically switch service interfaces to meet the use of the elderly. Based on the above, the burden on the ATM system can be reduced, while improving the service efficiency and quality of the ATM machines.

[0038] In one embodiment, the method for generating the adaptive adjustment instruction further includes: Introducing influence functions ; Update demand frequency The formula is:

[0039] in, To optimize demand frequency; The influence function Expressed as:

[0040] in, For the historical holiday The characterization data of the number of times an ATM machine is used within a time period is obtained by obtaining the first The number of times the ATM machines are used within a time period, and the central tendency of the number of times the ATM machines are used on multiple historical holidays is measured to obtain representative data.

[0041] In the above calculation demand frequency In the process, only the division of 24 hours and other time intervals is considered, and other influencing factors are not considered. From the perspective of practical application, under normal working days, the utilization efficiency of ATM machines is low, but under holidays, the utilization efficiency of ATM machines is high. Therefore, the utilization efficiency of ATM machines corresponding to holidays and normal working days is completely different. Therefore, it is also necessary to introduce holidays to optimize the utilization efficiency of ATM machines and whether to switch to the simple service interface; in one embodiment of the present invention, holidays and non-holidays are used as influencing factors, and the influencing function is set , based on the influence function Expression, exemplary: Between 6 and 10 a.m. on non-holiday days, the ATM was used 25 times and the simplified interface was switched 10 times. but Between 6 and 10 a.m. on holidays, the ATM was used 50 times and the simple interface was switched 20 times; but If the frequency threshold Based on the above calculation, for holidays and non-holidays, it is necessary to output an adaptive adjustment instruction to adaptively switch the simple service interface between 6-10 in the morning of holidays, while it is not necessary to output an adaptive adjustment instruction to adaptively switch the simple service interface between 6-10 in the morning of non-holidays; based on the above, in the same time period of non-holidays and holidays, although the ratio of the number of simple interface switches to the total number of uses is 0.4, since ATMs are used more frequently on holidays and the elderly use them more frequently, in order to speed up the use efficiency of ATMs, the demand frequency calculation can be optimized to update and optimize the demand frequency of the time period in the historical data, so that the service efficiency and quality of ATMs can be improved during future holidays.

[0042] In one embodiment, the method for switching the service interface of the ATM machine further includes: When the first identity information does not match the second identity information and within a preset time range, the security assurance module receives feedback information: Acquire the second identity information, and sequentially match and identify it with all the first identity information in the user identity information storage unit in the database module; If there is no successful match, no interface switching instruction will be output; On the contrary, if there is a successful match, a determination is made as to whether the user's age is greater than the age threshold based on the successfully matched first identity information: When the user age is greater than the age threshold, the interface switching instruction is output, otherwise the interface switching instruction is not output.

[0043] Based on the above, when the first identity information does not match the second identity information, it is also possible that the user corresponding to the first identity information entrusts other users to perform deposit and withdrawal operations. Therefore, the abnormal information generated can be confirmed after the user corresponding to the first identity information sends feedback information. In addition, it is also necessary to consider that other users who replace the user corresponding to the first identity information also need to perform age judgment. It is foreseeable that, assuming that user A and user B are a couple, user A cannot make deposits and withdrawals, and user B is asked to perform deposit and withdrawal operations on his behalf. After user B is identified by the identification module, because the first identity information does not match the second identity information, the age cannot be judged based on the first identity information extracted by the database module. In one embodiment of the present invention, when the above situation occurs, it is necessary to perform identification and matching based on the second identity information and all the first identity information stored in the database module. If there is a successful match, the age is judged according to the first identity information that is successfully matched, and when the age is greater than the age threshold, the service interface is switched. Otherwise, if there is no successful match, the service interface is not switched.

[0044] In one embodiment, the security module further includes a behavior recognition unit; the behavior recognition unit is used to recognize abnormal behavior of the user and upload the abnormal behavior; The method for identifying the abnormal behavior is: Get all abnormal information generated by the account within a period; Aggregate all abnormal information to constitute abnormal behavior; Analyze and identify the abnormal behavior: If there is a withdrawal or transfer record in the account after each abnormal information, the account will be frozen; otherwise, the account will not be frozen; The account is the bank held by the user; the card information includes the bank card account information, card opening time, and card opening user identity information.

[0045] The above shows and describes the basic principles, main features and advantages of the present invention. It should be understood by those skilled in the art that the present invention is not limited to the above embodiments. The above embodiments and descriptions are only for explaining the principles of the present invention. Without departing from the spirit and scope of the present invention, the present invention may have various changes and improvements, which fall within the scope of the present invention. The scope of protection of the present invention is defined by the attached claims and their equivalents.

Claims

1. A bank self-service financial service system, characterized in that: include: A database module, used to store the card information and the first identity information, and associate the card information with the first identity information; An identification module, used to obtain and identify the second identity information of the user, and determine whether the second identity information matches the first identity information; When the first identity information does not match the second identity information, an abnormal instruction is output and uploaded to the security assurance module; When the first identity information matches the second identity information, determining whether to switch the service interface of the ATM machine according to the user age recorded in the first identity information; Interface switching module, used to switch the service interface of the ATM machine; Security module, used to confirm user identity and generate alarms; The method for switching the service interface of the ATM machine is: When the first identity information matches the second identity information; If the first identity information satisfies the condition that the user age is greater than the age threshold, the interface switching instruction is output and uploaded to the interface switching module; if the first identity information does not satisfy the condition that the user age is greater than the age threshold, the interface switching instruction is not output.

2. A bank self-service financial service system according to claim 1, characterized in that: The database module is also used to construct a user portrait based on the user's first identity information; the user portrait includes visually impaired users and hearing-impaired users; the database module includes a card surface information storage unit and a user identity information storage unit, the card surface information storage unit is used to store card surface information, and the user identity information storage unit is used to store the first identity information and the user portrait, and the user portrait is associated with the first identity information.

3. A bank self-service financial service system according to claim 1, characterized in that: The recognition module includes a card face recognition unit, a biometric recognition unit and a judgment module; the card face recognition unit is used to recognize the card information inserted into the ATM machine and extract the first identity information; the biometric recognition unit is used to obtain the second identity information based on facial recognition technology; the judgment module is used to judge whether the first identity information matches the second identity information.

4. A bank self-service financial service system according to claim 1, characterized in that: The interface switching module includes an interface storage unit and a first instruction receiving unit, wherein the interface storage unit is used to store a conventional service interface and a simplified service interface; The conventional service interface meets the needs of normal users; the simplified service interface meets the needs of elderly users and users with disabilities; The first instruction receiving unit is used to receive an interface switching instruction and switch the service interface of the ATM machine according to the interface switchable instruction.

5. A bank self-service financial service system according to claim 1, characterized in that: The safety assurance module includes a second instruction receiving unit and an alarm bell; the second instruction receiving unit is used to receive abnormal instructions and output confirmation information according to the abnormal instructions: If the alarm is not activated within the preset time range, the alarm will not work if the alarm is not activated. The second instruction receiving unit is further used to receive feedback information.

6. A bank self-service financial service system according to claim 1, characterized in that: It also includes an adaptive adjustment module, which is used to automatically switch the service interface of the ATM machine; the adaptive adjustment module includes a data statistics unit and an analysis unit; the data statistics unit is used to count the number of times the ATM machine is used and the number of interface switches within any time period; the analysis unit is used to generate an adaptive adjustment instruction.

7. A bank self-service financial service system according to claim 6, characterized in that: The method for generating the adaptive adjustment instruction is as follows: Get the historical data of any date, and split the time corresponding to the historical data to get the time period sequence , ; where each time period has the same length; Get the Number of ATM usages during a time period And interface switching times ; According to the formula, calculate Frequency of requests for the simple service interface during the time period ; Based on the above formula, we can calculate Frequency of requests for the simple service interface during the time period ; The demand frequency With frequency threshold For comparison, if , then the adaptive adjustment instruction is output to control the interface switching module to automatically switch the service interface; otherwise, no adaptive adjustment instruction is output.

8. A bank self-service financial service system according to claim 7, characterized in that: The method for generating the adaptive adjustment instruction also includes: Introducing influence functions ; Update demand frequency The formula is: in, To optimize demand frequency; The influence function Expressed as: in, For the historical holiday The characterization data of the number of times an ATM machine is used within a time period is obtained by obtaining the first The number of times the ATM machines are used within a time period, and the central tendency of the number of times the ATM machines are used on multiple historical holidays is measured to obtain representative data.

9. A bank self-service financial service system according to claim 5, characterized in that: The method for switching the service interface of the ATM machine also includes: When the first identity information does not match the second identity information and within a preset time range, the security assurance module receives feedback information: Acquire the second identity information, and sequentially match and identify it with all the first identity information in the user identity information storage unit in the database module; If there is no successful match, no interface switching instruction will be output; On the contrary, if there is a successful match, a determination is made as to whether the user's age is greater than the age threshold based on the successfully matched first identity information: When the user age is greater than the age threshold, the interface switching instruction is output, otherwise the interface switching instruction is not output.

10. A bank self-service financial service system according to claim 9, characterized in that: The security module also includes a behavior recognition unit; the behavior recognition unit is used to recognize abnormal behavior of the user and upload the abnormal behavior; The method for identifying the abnormal behavior is: Get all abnormal information generated by the account within a period; Aggregate all abnormal information to constitute abnormal behavior; Analyze and identify the abnormal behavior: If there is a withdrawal or transfer record in the account after each abnormal information, the account will be frozen; otherwise, the account will not be frozen; The account is the bank held by the user; the card information includes the bank card account information, card opening time, and card opening user identity information.

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