Safe interaction method for bank self-service money withdrawal

Abstract

The invention provides a bank self-service money withdrawing safety interaction method, which relates to the technical field of financial security, and comprises the following steps: when a client approaches a door of an ATM (Automatic Teller Machine), the identity is confirmed through face recognition, when the ATM is used, the client fills an answer according to a reserved question, and if the filled reserved answer is a warning effect, a bank system starts a monitoring video record to be compared with the face, and if not, the ATM is started. The face state is analyzed, counter personnel are notified to intervene in an early warning mode during double abnormity, and if normal reserved information is filled, the ATM operates normally. According to the method, the fund safety of the customer in the self-service money withdrawing process can be effectively guaranteed.

Description

Technical Field

[0001] The present invention relates to the technical field of financial security, and particularly to a secure interaction method for self-service cash withdrawal in banks. Background Art

[0002] With the continuous development of fintech, while providing convenience for customers, bank self-service cash withdrawal services also face various security risks. Since ATMs are usually located in public places, in the scenario of bank self-service cash withdrawal, the situation where customers are coerced to withdraw money is a serious security issue, which may cause huge property losses and threats to personal safety to customers.

[0003] Currently, banks have taken some security measures around ATMs, such as installing surveillance cameras and setting warning signs. However, when facing the situation where customers are coerced to withdraw money, these measures often have certain limitations. The surveillance cameras can only provide evidence after the event and cannot prevent crimes in a timely manner during the incident. The role of warning signs is also limited and it is difficult to effectively deter criminals. In addition, some traditional security measures such as password protection may not work when customers are coerced because criminals will force customers to enter passwords. Summary of the Invention

[0004] The purpose of the present invention is to provide a secure interaction method for self-service cash withdrawal in banks to solve the technical problem of poor security in the prior art.

[0005] To solve the above problems, a secure interaction method for self-service cash withdrawal in banks according to the present invention adopts the following technical solutions: A secure interaction method for self-service cash withdrawal in banks provided by the present invention includes at least the following steps: a. The bank system obtains the customer's account number and login password and verifies them. After verification, it collects the reserved questions, reserved answers, and face data and stores them in the bank system. b. When the customer approaches the ATM machine room door, the customer's identity is recognized through face recognition technology. If the recognition is successful, the door is opened. If the recognition is unsuccessful, this step is repeated. If the recognition fails three times, the customer is notified to go to the branch to handle business. c. When the customer uses the ATM machine, the customer needs to fill in the reserved answer according to the reserved question. The reserved answer includes warning information and normal information. d. If the customer fills in the warning information, the bank system will start to compare the surveillance video record with the customer's face information to check whether there is a person following or accompanying the customer. At the same time, face recognition technology analyzes the customer's facial state. If both are abnormal, a warning is sent to notify the counter staff to intervene and proceed to the next step. If the customer fills in the normal information, the ATM machine operates normally and the process ends.

[0006] Preferably, in step d, a signal jammer is installed in the ATM machine room to interfere with the signal transmission of cameras and recording devices. If there are only customers in the ATM machine room, the teller can intervene via the intercom installed in the ATM machine room to ask if the customer needs help. If there are other people in the ATM machine room, the ATM machine will display a prompt saying "No cash in the machine. Please go to the counter to handle the business."

[0007] Preferably, cooperate with the local police to establish a rapid response mechanism. Once an alarm is received, the police can quickly arrive at the scene to handle emergencies.

[0008] Preferably, infrared sensors are installed on both sides of the ATM machine room door. When someone tries to follow a customer into the room, the sensors will immediately detect it and trigger an alarm, and the door will automatically close to prevent the follower from entering.

[0009] Preferably, an emergency alarm button is installed in the ATM machine room. This button is directly connected to the bank system and the local police. When a customer encounters an emergency in the ATM machine room and presses this button, the bank security center and the police can immediately receive the alarm signal.

[0010] Preferably, regularly update and verify the stored customer face data, reserved questions and answers. If data anomalies are found or the customer has not updated for a long time, the customer should be notified in time for processing to ensure the accuracy and security of the data.

[0011] The beneficial effects of the present invention are as follows: A bank self-service cash withdrawal security interaction method provided by the present invention is different from the prior art in that when a customer approaches the ATM machine room door, the identity is confirmed through face recognition. When using the ATM machine, the customer fills in answers according to the reserved questions. If the filled reserved answers serve as a warning, the bank system starts to record the monitoring video and compare it with the face, analyzes the facial state, and issues a warning notice to the teller to intervene when both are abnormal. If normal reserved information is filled, the ATM machine operates normally. This method can issue a warning bypassing the supervision of the coercive person, providing strong protection for the customer's capital safety and personal safety. BRIEF DESCRIPTION OF THE DRAWINGS

[0012] In order to more clearly illustrate the technical solutions of the embodiments of the present invention, the following will briefly introduce the drawings required in the embodiments: Figure 1 It is a flowchart of a bank self-service cash withdrawal security interaction method. DETAILED DESCRIPTION OF THE EMBODIMENTS

[0013] In order to make the technical objectives, technical solutions and beneficial effects of the present invention clearer, the following further illustrates the technical solutions of the present invention with reference to the drawings and specific embodiments.

[0014] A secure interaction method for self-service cash withdrawal from a bank provided by the present invention, the specific method is as follows: Step 1: The bank system obtains the customer's account number and login password and conducts verification. After the verification is completed, the reserved questions, reserved answers, and face data are collected and stored in the bank system for subsequent use in handling business at the ATM. The reserved questions and answers can be set by the customer himself / herself for verifying the customer's current status, and the face data is used for subsequent face recognition operations.

[0015] Step 2: When the customer approaches the door of the ATM room, the customer's identity is recognized through face recognition technology. If the recognition is successful, the door is opened to allow the customer to enter the ATM room. If the recognition is unsuccessful, the system will repeat this step to give the customer multiple chances to try. If the recognition fails three times, the customer will be notified to go to the branch to handle the business.

[0016] Step 3: When the customer uses the ATM, the reserved answer needs to be filled in according to the reserved question. The reserved answer includes warning information and normal information. The warning information is usually a special password or signal set by the customer in special situations such as encountering danger or being coerced, and the normal information is the cash withdrawal information used by the customer under normal circumstances. By verifying the reserved answer, it can be timely found whether the customer is in an abnormal state so as to take corresponding measures.

[0017] Step 4: If the customer fills in the warning information, the bank system will start to compare the monitoring video record with the customer's face information to check whether there is anyone following or accompanying the customer when the customer comes. At the same time, the face recognition technology analyzes the customer's facial state. If both of the above are abnormal, that is, there is someone following or accompanying the customer and the customer's facial state is abnormal, the system will give an early warning and notify the counter staff to intervene. If there is only the customer in the ATM room, the counter staff can communicate with the customer through the communicator to confirm whether the customer is safe. If the customer needs help, the counter staff can provide corresponding services. If there are other people in the ATM room, the ATM will display a prompt of "No cash in the machine, go to the counter to handle the business". At the same time, the system will continue to monitor the situation in the ATM room to ensure the safety of the customer.

[0018] If the customer fills in the normal information, the ATM operates normally and the cash withdrawal process ends.

[0019] Optionally, in order to prevent the customer from remotely controlling or monitoring the customer, a signal jammer is set in the ATM room to interfere with the signal transmission of communication devices (cameras, mobile phones, etc.). The signal jammer can adopt various technologies, such as frequency interference, power interference, etc., to ensure the interference effect.

[0020] Optionally, infrared sensors are installed on both sides of the ATM machine room door. When someone attempts to follow a customer into the room, the sensors will immediately detect it and trigger an alarm. The door will automatically close to prevent the follower from entering. The infrared sensors can be active or passive, and are selected and installed according to the actual situation.

[0021] Optionally, cooperate with the local police to establish a rapid response mechanism. Once an alarm is received, the police can quickly arrive at the scene to handle emergencies. An emergency alarm button is installed inside the ATM machine room, and this button is directly connected to the bank system and the local police. When a customer encounters an emergency and presses this button, the bank security center and the police can immediately receive the alarm signal and take prompt action.

[0022] Optionally, regularly update and verify the stored customer face data, reserved questions and answers. If data anomalies are found or the customer has not updated for a long time, the customer should be notified in a timely manner for handling to ensure the accuracy, security of the data and that the customer remembers it well. Data updates can be carried out through the customer's initiative to update or the bank system's automatic reminder.

[0023] This method, while ensuring security, minimizes interference with the customer's normal withdrawal process as much as possible and improves the customer's usage experience. For example, operations such as face recognition to open the door and verification of reserved answers are simple and fast, and will not cause too much trouble to the customer. At the same time, through multi-dimensional identity verification, real-time monitoring, signal interference and other technical means, the security of bank self-service withdrawals is effectively improved, and the possibility of customers suffering from risks such as being followed and robbed, coerced, etc. is reduced. The bank system is the core of the entire security interaction method, responsible for functions such as customer account password verification, data collection, verification of reserved answers, early warning notifications, etc. Devices such as face recognition devices, signal jammers, infrared sensors, and emergency alarm buttons are connected to the bank system through interfaces to achieve data transmission and control. The monitoring video system operates independently and transmits video data to the bank security center for storage and analysis.

[0024] The face recognition device should be installed above or on the side of the ATM machine room door to ensure that the customer's facial image can be clearly captured. The signal jammer should be installed inside the ATM machine room.

[0025] If the customer fills in the warning information, the bank system will initiate a comparison between the surveillance video record and the customer's face information to check if there is anyone tailing or accompanying the customer. Meanwhile, face recognition technology analyzes the customer's facial state. If double anomalies are found, i.e., there is someone tailing or accompanying the customer and the customer's facial state is abnormal, the system will issue a warning to notify the counter staff to intervene. The counter staff can use the intercom set in the ATM machine room to verbally intervene and ask the customer if they need help. If only the customer is present in the ATM machine room, the counter staff can communicate with the customer through the intercom to confirm if the customer is safe. If the customer needs help, the counter staff can provide corresponding services. If there are other people in the ATM machine room, the ATM will display a prompt saying "No cash in the machine, go to the counter to handle business". Meanwhile, the system will continue to monitor the situation in the ATM machine room to ensure the safety of the customer.

[0026] Emergency Situation Handling If the customer encounters an emergency situation in the ATM machine room, such as being robbed or coerced, etc., they can press the emergency alarm button. The emergency alarm button is directly connected to the bank system and the local police. The bank security center and the police can immediately receive the alarm signal and take prompt actions.

[0027] Data Update and Verification The bank system should regularly update and verify the stored customer face data, reserved questions and answers. If data anomalies are found or the customer has not updated for a long time, the customer should be notified in a timely manner to handle it. The customer can update and verify the data through channels such as mobile banking and online banking.

[0028] Finally, it should be noted that: the above embodiments are only used to illustrate rather than limit the technical solutions of the present invention. Any equivalent replacement, modification or partial replacement of the present invention without departing from the spirit and scope of the present invention shall be covered by the scope of protection of the claims of the present invention.

Claims

1. A bank self-service cash withdrawal security interactive method, characterized in that: At least the steps include: a. The bank system obtains the customer's account number and login password and verifies them. After the verification is completed, the reserved questions and answers as well as facial data are collected and stored in the bank system; b. When a customer approaches the ATM room door, the customer's identity is identified through facial recognition technology. If the identification is successful, the door will be opened. If the identification is unsuccessful, repeat this step. If the identification fails three times, the customer will be notified to go to the branch to handle the business; c. When using an ATM, customers need to fill in the reserved answers based on the reserved questions. The reserved answers include warning information and normal information; d. If the customer fills in the warning information, the bank system will start the surveillance video record and compare it with the customer's facial information to find out whether the customer is being followed or accompanied by someone. At the same time, facial recognition technology analyzes the customer's facial condition. If both are abnormal, an early warning will be issued to notify the counter staff to intervene and proceed to the next step; if the customer fills in normal information, the ATM machine will operate normally and the end will be completed.

2. A bank self-service cash withdrawal security interactive method according to claim 1, characterized in that: In step d, a signal jammer is installed in the ATM room to interfere with the signal transmission of the camera and the recording device. If there is only a customer in the ATM room, the counter staff will intervene through the voice intercom installed in the ATM room to ask the customer whether he needs help. If there are other people in the ATM room, the ATM will display the prompt "No money in the machine, go to the counter to handle business".

3. A bank self-service cash withdrawal security interactive method according to claim 1, characterized in that: Cooperate with local police to establish a rapid response mechanism so that once an alarm is received, the police can rush to the scene and deal with the emergency.

4. A bank self-service cash withdrawal security interactive method according to claim 1, characterized in that: Infrared sensors are installed on both sides of the ATM room door. When someone tries to follow a customer in, the sensor will immediately detect it and trigger an alarm, and the door will automatically close to prevent the follower from entering.

5. A bank self-service cash withdrawal security interactive method according to claim 4, characterized in that: An emergency alarm button is installed in the ATM room. The button is directly connected to the bank system and the local police. When a customer encounters an emergency in the ATM room and presses this button, the bank security center and the police will immediately receive an alarm signal.

6. A bank self-service cash withdrawal security interactive method according to claim 1, characterized in that: Regularly update and verify the stored customer facial data, reserved questions and answers. If any data abnormalities are found or the customer has not updated the data for a long time, the customer should be notified in time for processing to ensure the accuracy and security of the data.

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