Identity confirmation method, system and intelligent terminal based on parent-real and child-virtual account architecture

Abstract

The present invention relates to an identity confirmation method, system and intelligent terminal based on a parent-real-child virtual account architecture, and relates to the field of remittance transactions. The method comprises obtaining remittance information; determining a remittance name based on the remittance information; judging whether a remittance account is a sub-account based on the remittance name; when the remittance account is a sub-account, determining a remittance identity based on the remittance name; generating a remittance record based on the remittance identity and the remittance information; and controlling a preset display device to notify a staff member based on the remittance record. The present application has the effect of improving the convenience of remittance transactions and facilitating the recipient to match the remitter's sub-account with the parent account.

Description

Technical Field

[0001] The present invention relates to the field of remittance transactions, and in particular to an identity confirmation method, system and intelligent terminal based on a parent-real and child-virtual account architecture. Background Art

[0002] The parent-real and child-virtual account structure refers to an account management model commonly used in finance, accounting and other fields, consisting of an actual parent account with real financial transactions and balances, and a virtual child account established on the basis of the parent account, which does not have an independent financial entity.

[0003] In the existing technology, enterprises can use the parent-real and child-virtual account structure to achieve centralized control of funds for multiple subordinate departments, branches or projects, thereby improving the efficiency of fund use. When the enterprise needs to initiate a remittance, it can directly transfer funds from the parent account through the child account to make the remittance, thereby reducing operations on the parent account by adding child accounts and improving the security of the parent account.

[0004] When the remitter makes a remittance through a sub-account, the receiver can only obtain the account information of the sub-account, which makes it difficult for the receiver to match the sub-account with the parent account, thereby increasing the difficulty of the receiver's financial accounting. Summary of the Invention

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

[0006] In a first aspect, the present invention provides an identity verification method based on a parent-real-and-child-virtual account architecture, which employs the following technical solutions:

[0007] An identity verification method based on a parent-real-child virtual account architecture, comprising:

[0008] Get remittance information;

[0009] Determine the remittance name based on the remittance information;

[0010] Determine whether the remittance account is a sub-account based on the remittance name;

[0011] When the remittance account is a sub-account, the remittance identity is determined based on the remittance name;

[0012] Generate remittance records based on remittance identity and remittance information;

[0013] The preset display device is controlled according to the remittance record to notify the staff.

[0014] By adopting the above technical solution, when a remittance is received, the name of the remitter is checked. When the name of the remitter contains words unique to the sub-account, it is determined that the account initiating the remittance is a sub-account, and the parent account number is queried based on the name of the remitter, so that the parent account number is recorded to facilitate subsequent accounting, thereby improving the convenience of remittance transactions.

[0015] Optionally, also include:

[0016] When the remittance account is not a sub-account, the remittance bank is determined based on the remittance information;

[0017] Determine the baseline length of the virtual account number based on the remitting bank;

[0018] Determine the remittance account number based on the remittance information;

[0019] Determine the account length based on the remittance account number;

[0020] When the account number length is consistent with the benchmark length, the remittance identity is determined based on the remittance name.

[0021] By adopting the above technical solution, the lengths of virtual account numbers of different banks are different. The length of the remitter's account number is checked and compared with the length of the virtual account number of the corresponding bank to determine whether the account number is a virtual account number. If the remitter's account number is a virtual account number, the parent account number is queried based on the remitter's name, and the parent account number is recorded to facilitate subsequent calculations.

[0022] Optionally, also include:

[0023] When the account length is inconsistent with the benchmark length, the account opening time is determined based on the remittance account;

[0024] Determine the establishment time based on the remittance name;

[0025] Determine the account opening time difference based on the establishment time and account opening time;

[0026] Determine whether the remittance account is the parent account based on the time difference in account opening;

[0027] When the remittance account is not the parent account, the remittance identity is determined based on the remittance name.

[0028] By adopting the above technical solution, the opening time of the company's parent account is often close to the establishment time of the company. The opening time of the remitter's account is checked and compared with the establishment time of the remitter's company, so as to determine whether the remitter's account is the parent account. If the remitter's account is not the parent account, the parent account can be queried based on the remitter's name, thereby improving the convenience of remittance transactions.

[0029] Optionally, a payment confirmation method is further included, and the payment confirmation method includes:

[0030] Determine the recipient name based on the remittance information;

[0031] Retrieve historical remittances based on the payment name;

[0032] Determine historical time based on historical remittances and remittance names;

[0033] Determine regular time based on historical time;

[0034] Determine the remittance time based on the remittance information;

[0035] When the regular time is inconsistent with the remittance time, the preset display device is controlled to issue a preset remittance abnormality prompt.

[0036] By adopting the above technical solution, the remittance records with the same remittance name and recipient name are retrieved to check whether there is a regular remittance. When there is a regular remittance, it is checked whether the remittance time is close to the regular remittance time. If the remittance time is different from the regular remittance time, it is determined that the remittance is abnormal, and the staff is prompted through the display device.

[0037] Optionally, the payment confirmation method further includes:

[0038] Determine historical usage based on periodic time;

[0039] Determine the purpose of remittance based on remittance information;

[0040] Determine usage time based on regular time, historical usage, and remittance usage;

[0041] When the usage time is inconsistent with the remittance time, the preset display device is controlled to issue a preset remittance abnormality prompt.

[0042] By adopting the above technical solution, records consistent with the purpose of the remittance are screened out from remittance records with the same remittance name and recipient name, so as to check whether there are regular remittances for this purpose. If the remittance time is different from the regular remittance time, it is determined that the remittance is abnormal, and the staff is prompted through the display device.

[0043] Optionally, a personnel confirmation method is further included, and the personnel confirmation method includes:

[0044] Obtain the payment image of the payee;

[0045] Determine facial features based on payment receipt images;

[0046] determining facial parameters based on facial features;

[0047] Retrieve benchmark parameters based on the payment name;

[0048] Determine whether the operator is the account holder based on facial parameters and baseline parameters;

[0049] When the operator is not the account holder, the preset display device is controlled to issue a preset operation abnormality prompt.

[0050] By adopting the above technical solution, when a person views the remittance record through a display device, facial recognition technology is used to determine whether the person who is viewing the remittance record is the holder of the beneficiary account, and a prompt is issued through the display device if the person is not the holder of the beneficiary account, thereby reducing the leakage of remittance information.

[0051] Optionally, the personnel confirmation method further includes:

[0052] When the operator is the account holder, the payment expression is determined based on facial parameters;

[0053] When the payment collection expression falls into a preset negative range, the preset display device is controlled to emit a preset remittance confirmation voice and obtain voice information;

[0054] Determine whether the remittance information is correct based on the voice information;

[0055] When the remittance information is incorrect, a transaction abnormality warning is generated according to the remittance bank;

[0056] Control the preset display device to issue a transaction abnormality warning to the remittance bank.

[0057] By adopting the above technical solution, when a person views the remittance record through a display device, the person's facial emotions can be judged from the person's facial parameters, so that when the person's facial emotions are not good, it can be judged that there is an abnormality in the transaction. At this time, the person is asked to make a second confirmation through voice, so that feedback can be provided to the bank in a timely manner when the transaction is abnormal, thereby reducing the occurrence of transaction errors.

[0058] Optionally, the personnel confirmation method further includes:

[0059] Determine gaze direction based on facial features;

[0060] When the gaze direction does not fall into the preset viewing interval, the facial parameters are defined as the front-moment parameters;

[0061] Determine the previous moment expression according to the previous moment parameters;

[0062] When the gaze direction falls into the preset viewing interval, the facial parameters are defined as the current parameters;

[0063] Determine the current expression based on the current parameters;

[0064] Determine the direction of emotional change based on the previous and current expressions;

[0065] When the change direction falls within a preset deterioration threshold, a preset display device is controlled to emit a preset remittance confirmation voice, and voice information is obtained.

[0066] By adopting the above technical solution, when a person views the remittance record through the display device, whether the remittance information is correct can be judged from the changes in the person's facial emotions, so that when the remittance information is wrong, the person can be asked for secondary confirmation through voice inquiry.

[0067] Secondly, the present application provides an identity verification system based on a parent-real-child virtual account architecture, which adopts the following technical solutions:

[0068] An identity verification system based on a parent-real and child-virtual account architecture, comprising:

[0069] The acquisition module is used to obtain remittance information, receipt images and voice information;

[0070] A memory for storing any of the above-mentioned identity verification methods based on a parent-real and child-virtual account architecture;

[0071] The processor can load and execute the program in the memory.

[0072] In a third aspect, the present application provides a smart terminal that adopts the following technical solution:

[0073] An intelligent terminal includes a memory and a processor, wherein the memory stores information that can be loaded and executed by the processor and any one of the above-mentioned identity confirmation methods based on a parent-real and child-virtual account architecture is disclosed.

[0074] By adopting the above technical solution, when a remittance is received, the name of the remitter is checked. When the name of the remitter contains words unique to the sub-account, it is determined that the account initiating the remittance is a sub-account, and the parent account number is queried based on the name of the remitter, so that the parent account number is recorded to facilitate subsequent accounting, thereby improving the convenience of remittance transactions.

[0075] In summary, this application includes at least one of the following beneficial technical effects:

[0076] 1. When receiving a remittance, the remitter's name is checked. If the remitter's name contains words unique to a sub-account, the account initiating the remittance is determined to be a sub-account. The parent account number is then retrieved based on the remitter's name and recorded to facilitate subsequent accounting, improving the convenience of remittance transactions.

[0077] 2. The lengths of virtual account numbers vary between banks. Check the length of the remitter's account number and compare it with the length of the corresponding bank's virtual account number to determine whether it is a virtual account. If the remitter's account number is a virtual account, query the parent account number based on the remitter's name and record the parent account number for subsequent accounting purposes.

[0078] 3. The opening time of a company's parent account is often close to the company's establishment time. Check the opening time of the remitter's account and compare it with the company's establishment time to determine whether the remitter's account is a parent account. If the remitter's account is not a parent account, the parent account can be found based on the remitter's name, improving the convenience of remittance transactions. BRIEF DESCRIPTION OF THE DRAWINGS

[0079] Figure 1 It is an identity confirmation method based on the parent-real and child-virtual account structure;

[0080] Figure 2 It is an identity confirmation method based on the parent-real and child-virtual account structure;

[0081] Figure 3 It is an identity confirmation method based on the parent-real and child-virtual account structure;

[0082] Figure 4 It is the payment confirmation method;

[0083] Figure 5 It is the payment confirmation method;

[0084] Figure 6 It is a personnel confirmation method;

[0085] Figure 7 It is a personnel confirmation method;

[0086] Figure 8 It is a personnel confirmation method. DETAILED DESCRIPTION

[0087] In order to make the purpose, technical solutions and advantages of the present invention more clearly understood, the present invention will be further described in detail below with reference to the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are only used to explain the present invention and are not intended to limit the present invention.

[0088] An embodiment of the present application discloses an identity confirmation method based on a parent-real and child-virtual account architecture. The method is used to read data such as the remitter's account number, remittance time, purpose of the funds, and name of the remitter from the remittance record, so as to determine whether the account initiating the remittance is a child account, and if the account is a child account, query the corresponding parent account number for record, thereby facilitating financial accounting.

[0089] Reference Figure 1, based on the parent-real-child virtual account structure, the identity confirmation method includes:

[0090] Step 100: Obtain remittance information.

[0091] Remittance information refers to a collection of information obtained by the payee, including the remitter's name, account number, remittance time, remitting bank, payee's name and the purpose of the funds. Remittance information can be manually entered by staff or directly retrieved from remittance records. The method of obtaining remittance information is selected by staff based on actual circumstances and will not be elaborated here.

[0092] Step 101: Determine the remittance name according to the remittance information.

[0093] The remittance name is the name of the remitter mentioned above. The method for determining the remittance name is common knowledge among people in this field and will not be elaborated here.

[0094] Step 102: Determine whether the remittance account is a sub-account based on the remittance name.

[0095] Sub-accounts often contain characteristic words such as "sub-account," "dedicated," and "department" to distinguish them from parent accounts. Text recognition technology can be used to identify whether the remittance name contains characteristic words to determine whether the remittance account is a sub-account. The method of identifying sub-accounts is common knowledge in this field and will not be elaborated here.

[0096] Step 103: When the remittance account is a sub-account, the remittance identity is determined according to the remittance name.

[0097] If the remittance account is a sub-account, the parent account needs to be queried to facilitate subsequent financial calculations. The remittance identity is the physical account number corresponding to the remittance name. The remittance identity can be obtained from the account record table, which is a data table that records different remittance names and their corresponding remittance identities.

[0098] Step 104: Generate a remittance record based on the remittance identity and remittance information.

[0099] Remittance records refer to information used to record remittance details such as the remitter's name, remittance account number, remittance amount, and remittance time. The method for generating remittance records is selected by the staff based on actual circumstances and will not be elaborated here.

[0100] Step 105: Control the preset display device to notify the staff according to the remittance record.

[0101] The display device refers to a device used to display information to the staff. The display device is selected by the staff according to actual conditions and will not be described in detail here.

[0102] When a remittance is received, the name of the remitter is checked. If the name of the remitter contains characteristic words of the sub-account, the account initiating the remittance is determined to be a sub-account, and the parent account number is queried based on the name of the remitter. The parent account number is recorded to facilitate subsequent accounting and is displayed to the staff through a display device, thereby improving the convenience of remittance transactions.

[0103] Reference Figure 2 The identity verification method based on the parent-real and child-virtual account structure also includes:

[0104] Step 106: When the remittance account is not a sub-account, determine the remittance bank according to the remittance information.

[0105] The remittance account is not a sub-account, which means that the remittance name does not contain characteristic words. The remittance bank refers to the name of the bank that makes the remittance. The method for confirming the remittance bank is common knowledge in this field and is not elaborated here.

[0106] Step 107: Determine the base length of the virtual account number based on the remittance bank.

[0107] The base length refers to the length of the virtual account number of the remittance account. The base length can be obtained from the length data table. The length data table is a data table that records different remittance banks and their corresponding base lengths.

[0108] Step 108: Determine the remittance account number based on the remittance information.

[0109] The remittance account number refers to the account number of the remitter mentioned above. The method for confirming the remittance account number is common knowledge among people in this field and will not be elaborated here.

[0110] Step 109: Determine the account length according to the remittance account number.

[0111] The account length refers to the number of digits that make up the remittance account. The method for determining the account length is common knowledge among those skilled in the art and will not be elaborated here.

[0112] Step 110: When the account length is consistent with the reference length, the remittance identity is determined according to the remittance name.

[0113] If the account length is consistent with the base length, the format of the remittance account is the same as that of the virtual account. In other words, the remittance account is a virtual account. In this case, the physical account corresponding to the remittance account can be found by searching the remittance name for easy record keeping.

[0114] The lengths of virtual account numbers at different banks vary. The length of the remitter's account number is checked and compared with the length of the corresponding bank's virtual account number to determine whether the account is a virtual account. If the remitter's account number is a virtual account number, the parent account number is retrieved based on the remitter's name, and the parent account number is recorded for subsequent calculations.

[0115] Reference Figure 3 The identity verification method based on the parent-real and child-virtual account structure also includes:

[0116] Step 111: When the account length is inconsistent with the reference length, the account opening time is determined based on the remittance account number.

[0117] The account opening time refers to the time when the remittance account is opened. The account opening time can be obtained by querying the account opening data table. The account opening data table refers to a data table that records different remittance account numbers and their corresponding account opening times.

[0118] Step 112: Determine the establishment time according to the remittance name.

[0119] The establishment time refers to the time when the enterprise, team, or other organization corresponding to the remittance name was established. The establishment time can be obtained from the establishment data table, which records different remittance names and their corresponding establishment times.

[0120] Step 113: Determine the account opening time difference based on the establishment time and the account opening time.

[0121] The account opening time difference refers to the difference between the establishment time and the account opening time. The account opening time difference shows the length of time that has passed from the establishment time to the account opening time.

[0122] Step 114: Determine whether the remittance account is the primary account based on the account opening time difference.

[0123] The opening time of the company's parent account is often close to the company's establishment time. When the account opening time difference is greater than the preset benchmark time, the remittance account is judged to be a sub-account. When the account opening time difference is not greater than the preset benchmark time, the remittance account is judged to be a parent account. The benchmark time is selected by the staff based on actual conditions and will not be elaborated here.

[0124] Step 115: When the remittance account number is not the parent account, the remittance identity is determined according to the remittance name.

[0125] Check the opening time of the remitter's account and compare it with the time of the remitter's company to determine whether the remitter's account is a parent account. If the remitter's account is not a parent account, the parent account can be found based on the remitter's name, improving the convenience of remittance transactions.

[0126] Reference Figure 4 , payment confirmation methods include:

[0127] Step 200: Determine the recipient name based on the remittance information.

[0128] The payee name refers to the name of the above-mentioned payee. The method for confirming the payee name is common knowledge among people in this field and will not be elaborated here.

[0129] Step 201: Retrieve historical remittances based on the remittance name.

[0130] Historical remittances refer to remittance records where the payee and the payee name are consistent. Historical remittances can be retrieved from the remittance record table, which is a data table that records all remittance records. The method for retrieving historical remittances is common knowledge in this field and is not detailed here.

[0131] Step 202: Determine the historical time based on the historical remittance and the remittance name.

[0132] The historical time refers to the remittance time of the remittance record in which the remitter and the remittance name are consistent in the historical remittance. The method for determining the historical time is common knowledge in this field and will not be elaborated here.

[0133] Step 203: Determine the regular time according to the historical time.

[0134] The regular time refers to a date on which a remittance time has the same date in history. The regular time may also be manually input by a staff member. The method for determining the regular time is common knowledge among those skilled in the art and will not be elaborated on here.

[0135] Step 204: Determine the remittance time according to the remittance information.

[0136] The remittance time is the time when the remitter makes the remittance. The method for determining the remittance time is common knowledge among those skilled in the art and will not be elaborated here.

[0137] Step 205: When the regular time is inconsistent with the remittance time, the preset display device is controlled to issue a preset remittance abnormality prompt.

[0138] The inconsistency between the regular time and the remittance time means that the current remittance is not a regular remittance behavior. At this time, a prompt is issued through the display device to prompt the payee to confirm the remittance information in time. The abnormal remittance prompt is the information issued by the display device to prompt the payee to confirm the remittance information in time. The abnormal remittance prompt is selected by the staff according to the actual situation and will not be elaborated here.

[0139] Remittance records with the same remittance name and recipient name are retrieved to check whether there is a regular remittance. If there is a regular remittance, check whether the remittance time is close to the regular remittance time. If the remittance time is different from the regular remittance time, it is determined that the remittance is abnormal and the staff is prompted through the display device.

[0140] Reference Figure 5 , the payment confirmation method also includes:

[0141] Step 206: Determine historical usage based on periodic time.

[0142] The historical purpose refers to the purpose of the remittance amount in the remittance record corresponding to the regular time. The historical purpose can be obtained by querying from the above-mentioned remittance record table. The method for determining the historical purpose is common knowledge among those skilled in the art and will not be elaborated here.

[0143] Step 207: Determine the purpose of the remittance based on the remittance information.

[0144] The purpose of remittance is the purpose of the current remittance mentioned above. The method for determining the purpose of remittance is common knowledge among those skilled in the art and will not be elaborated here.

[0145] Step 208: Determine the usage time based on the regular time, historical usage and remittance usage.

[0146] The usage time refers to the regular time corresponding to the historical usage consistent with the remittance purpose. The method for determining the usage time is common knowledge among those skilled in the art and will not be elaborated here.

[0147] Step 209: When the usage time is inconsistent with the remittance time, a preset display device is controlled to issue a preset remittance abnormality prompt.

[0148] When an enterprise conducts a remittance transaction, the remittance time of funds for different purposes is often different. From the remittance records with the same remittance name and recipient name, records with the same purpose of the remittance are screened out to check whether there are regular remittances for this purpose. If the remittance time is different from the regular remittance time, it is determined that there is an abnormality in the remittance, and the staff is prompted through the display device.

[0149] Reference Figure 6 , personnel confirmation methods include:

[0150] Step 300: Obtain the payment image of the payee.

[0151] The payment collection image refers to the picture of the payee's operator obtained when the payee views the remittance information through the display device. The payment collection image can be obtained through a camera set on the display device. The method of obtaining the payment collection image is selected by the staff according to actual conditions and will not be elaborated here.

[0152] Step 301: Determine facial features based on the payment receipt image.

[0153] Facial features refer to the facial image of the operator in the payment collection image. Facial features can be determined by face recognition technology. The method for determining facial features is common knowledge in this field and will not be described in detail here.

[0154] Step 302: Determine facial parameters based on facial features.

[0155] Facial parameters refer to information extracted from the payment collection image for facial recognition. Facial parameters can be determined by facial recognition technology. The method for determining facial parameters is common knowledge in this field and will not be elaborated here.

[0156] Step 303: Retrieve the benchmark parameters according to the payment name.

[0157] The benchmark parameters refer to the facial parameter information of the administrator of the payee account. The benchmark parameters can be obtained by querying from a face database. The face database refers to a database that records the payee name and its corresponding benchmark parameters.

[0158] Step 304: Determine whether the operator is the account holder based on the facial parameters and the reference parameters.

[0159] When the facial parameters are consistent with the reference parameters, the operator representing the payee is the account holder. When the facial parameters are inconsistent with the reference parameters, the operator representing the payee is not the account holder.

[0160] Step 305: When the operator is not the account holder, control the preset display device to issue a preset operation abnormality prompt.

[0161] If the operator is not the account holder, it means that the operator has no right to query the remittance information. When a person views the remittance record through the display device, facial recognition technology is used to determine whether the person who is viewing the remittance record is the holder of the beneficiary account, and a prompt is issued through the display device when the person is not the holder of the beneficiary account, thereby reducing the leakage of remittance information. The abnormal operation prompt is to control the display device to hide the remittance record and issue a warning message. The abnormal operation prompt is selected by the staff according to the actual situation and will not be elaborated here.

[0162] Reference Figure 7 , personnel confirmation methods also include:

[0163] Step 306: When the operator is the account holder, a payment expression is determined based on facial parameters.

[0164] The operator represents the account holder and has the authority to manage remittance information. The payment expression refers to the facial expression of the manager, and facial recognition technology can be used to determine the payment expression. The method of determining the payment expression is common knowledge among people in this field and will not be elaborated here.

[0165] Step 307: When the payment collection expression falls into the preset negative range, the preset display device is controlled to emit a preset remittance confirmation voice and obtain voice information.

[0166] The negative range refers to expressions expressing negative emotions, such as anger and doubt. This range is selected by staff based on specific circumstances and is not detailed here. A payment collection expression falling into the preset negative range indicates a problem with the remittance information. The remittance confirmation voice message is a voice message used to inquire the operator about any errors in the remittance information. This voice message is selected by staff based on specific circumstances and is not detailed here. The voice message is a recording of the operator captured after the display device emits the remittance confirmation voice message. This voice message can be captured via a microphone. The method for capturing this voice message is selected by staff based on specific circumstances and is not detailed here.

[0167] Step 308: Determine whether the remittance information is correct based on the voice information.

[0168] Whether the remittance transaction is normal can be determined by voice recognition technology. The method of recognizing voice information is common knowledge among people in this field and will not be described in detail here.

[0169] Step 309: When the remittance information is incorrect, a transaction abnormality warning is generated according to the remittance bank.

[0170] A transaction abnormality warning is a message used to alert the bank of errors in remittance information so that the bank can conduct a timely review. The transaction abnormality warning can automatically retrieve the corresponding bank's template based on the remittance bank. The method for retrieving the transaction abnormality warning is selected by the staff based on the actual situation and is not detailed here.

[0171] Step 310: Control a preset display device to issue a transaction abnormality warning to the remittance bank.

[0172] When a person views the remittance record through the display device, the person's facial emotions are judged from the person's facial parameters, so that when the person's facial emotions are not good, it is judged that there is an abnormality in the transaction. At this time, the person is asked to make a second confirmation through voice, so that feedback can be provided to the bank in time when the transaction is abnormal, thereby reducing the possibility of transaction errors.

[0173] Reference Figure 8 , personnel confirmation methods also include:

[0174] Step 311: Determine the gaze direction based on the facial features.

[0175] The line of sight direction refers to the direction of the line of sight of the person in the payment collection image. The line of sight direction can be determined by face recognition technology. The method for determining the line of sight direction is common knowledge in this field and will not be elaborated here.

[0176] Step 312: When the sight direction does not fall within the preset viewing interval, the facial parameters are defined as the previous moment parameters.

[0177] The viewing range refers to the direction of a person's line of sight when viewing the display device. This range is selected by staff based on actual circumstances and is not detailed here. If the line of sight does not fall within the viewing range, it indicates that the person has not yet viewed the remittance information. The previous parameters are the facial parameters of the person before viewing the remittance information.

[0178] Step 313: Determine the previous moment expression according to the previous moment parameters.

[0179] The "pre-moment expression" is the expression used when the person has not yet checked the remittance information. The method for determining the "pre-moment expression" is similar to the method for determining the remittance expression described above and will not be elaborated on here.

[0180] Step 314: When the sight line direction falls into the preset viewing interval, the facial parameters are defined as the current parameters.

[0181] If the line of sight falls into the viewing range, it means that the person is viewing the remittance information. The parameters at this moment are the facial parameters of the person when viewing the remittance information.

[0182] Step 315: Determine the current expression based on the current parameters.

[0183] The expression at this moment is the expression of receiving payment when the staff checks the remittance information. The method of determining the expression at this moment refers to the method of determining the receiving payment expression mentioned above, and will not be repeated here.

[0184] Step 316: Determine the direction of the emotion change based on the previous expression and the current expression.

[0185] The direction of change refers to the trend of a person's expression from the previous expression to the current expression, such as deterioration, improvement, or no change. For example, when a person changes from "joy" to "doubt", the direction of change is deterioration; when a person changes from "doubt" to "joy", the direction of change is improvement; when a person changes from "anger" to "doubt", the direction of change is no change.

[0186] Step 317: When the change direction falls within the preset deterioration threshold, control the preset display device to emit a preset remittance confirmation voice and obtain voice information.

[0187] The deterioration threshold is the range of changes in a person's expression that indicates a deterioration in their expression. This threshold is determined by personnel based on actual circumstances and is not detailed here. If the change falls within the deterioration threshold, the person's expression deteriorates when viewing the remittance information, indicating that there may be a problem with the remittance information.

[0188] When a person views the remittance record through the display device, the person can judge whether the remittance information is correct based on the changes in the person's facial emotions. If the remittance information is wrong, the person can be asked to confirm it again through voice.

[0189] Based on the same inventive concept, an embodiment of the present invention provides an identity verification system based on a parent-real-account and child-virtual-account architecture, comprising:

[0190] The acquisition module is used to obtain remittance information, receipt images and voice information;

[0191] A memory for storing any of the above-mentioned identity verification methods based on a parent-real and child-virtual account architecture;

[0192] The processor can load and execute the program in the memory.

[0193] Based on the same inventive concept, an embodiment of the present invention provides a smart terminal including a memory and a processor, wherein the memory stores a method that can be loaded and executed by the processor and any one of the above-mentioned identity confirmation methods based on the parent-real and child-virtual account architecture.

[0194] Those skilled in the art will clearly understand that for the sake of convenience and brevity, the division of the above-mentioned functional modules is only used as an example for illustration. In actual applications, the above-mentioned functions can be assigned to different functional modules as needed, that is, the internal structure of the device can be divided into different functional modules to complete all or part of the functions described above. The specific working processes of the above-mentioned systems, devices, and units can refer to the corresponding processes in the aforementioned method embodiments and will not be repeated here.

[0195] The above description is merely a preferred embodiment of the present invention. The scope of protection of the present invention is not limited to the above embodiment. All technical solutions based on the concept of the present invention are within the scope of protection of the present invention. It should be noted that for those skilled in the art, various improvements and modifications that do not depart from the principles of the present invention should also be considered within the scope of protection of the present invention.

Claims

1. An identity verification method based on a parent-real and child-virtual account architecture, characterized in that: include: Get remittance information; Determine the remittance name based on the remittance information; Determine whether the remittance account is a sub-account based on the remittance name; When the remittance account is a sub-account, the remittance identity is determined based on the remittance name; Generate remittance records based on remittance identity and remittance information; Control the preset display device to notify staff based on the remittance record; Also includes: When the remittance account is not a sub-account, the remittance bank is determined based on the remittance information; Determine the baseline length of the virtual account number based on the remitting bank; Determine the remittance account number based on the remittance information; Determine the account length based on the remittance account number; When the account number length is consistent with the benchmark length, the remittance identity is determined based on the remittance name; Also includes: When the account length is inconsistent with the benchmark length, the account opening time is determined based on the remittance account; Determine the establishment time based on the remittance name; Determine the account opening time difference based on the establishment time and account opening time; Determine whether the remittance account is the parent account based on the time difference in account opening; When the remittance account is not the parent account, the remittance identity is determined based on the remittance name.

2. The identity verification method based on the parent-real and child-virtual account architecture according to claim 1 is characterized in that: The method further includes a payment confirmation method, which includes: Determine the recipient name based on the remittance information; Retrieve historical remittances based on the payment name; Determine historical time based on historical remittances and remittance names; Determine regular time based on historical time; Determine the remittance time based on the remittance information; When the regular time is inconsistent with the remittance time, the preset display device is controlled to issue a preset remittance abnormality prompt.

3. The identity verification method based on the parent-real and child-virtual account architecture according to claim 2 is characterized in that: The payment confirmation method further includes: Determine historical usage based on periodic time; Determine the purpose of remittance based on remittance information; Determine usage time based on regular time, historical usage, and remittance usage; When the usage time is inconsistent with the remittance time, the preset display device is controlled to issue a preset remittance abnormality prompt.

4. The identity verification method based on the parent-real and child-virtual account architecture according to claim 3 is characterized in that: It also includes a personnel confirmation method, which includes: Obtain the payment image of the payee; Determine facial features based on payment receipt images; determining facial parameters based on facial features; Retrieve benchmark parameters based on the payment name; Determine whether the operator is the account holder based on facial parameters and baseline parameters; When the operator is not the account holder, the preset display device is controlled to issue a preset operation abnormality prompt.

5. The identity verification method based on the parent-real and child-virtual account architecture according to claim 4 is characterized in that: The personnel confirmation method further includes: When the operator is the account holder, the payment expression is determined based on facial parameters; When the payment collection expression falls into a preset negative range, the preset display device is controlled to emit a preset remittance confirmation voice and obtain voice information; Determine whether the remittance information is correct based on the voice information; When the remittance information is incorrect, a transaction abnormality warning is generated according to the remittance bank; Control the preset display device to issue a transaction abnormality warning to the remittance bank.

6. The identity verification method based on the parent-real and child-virtual account architecture according to claim 5 is characterized in that: The personnel confirmation method further includes: Determine gaze direction based on facial features; When the gaze direction does not fall into the preset viewing interval, the facial parameters are defined as the front-moment parameters; Determine the previous moment expression according to the previous moment parameters; When the gaze direction falls into the preset viewing interval, the facial parameters are defined as the current parameters; Determine the current expression based on the current parameters; Determine the direction of emotional change based on the previous and current expressions; When the change direction falls within a preset deterioration threshold, a preset display device is controlled to emit a preset remittance confirmation voice, and voice information is obtained.

7. An identity verification system based on a parent-real and child-virtual account architecture, characterized in that: include: The acquisition module is used to obtain remittance information, receipt images and voice information; A memory, configured to store the identity confirmation method based on a parent-real and child-virtual account architecture according to any one of claims 1 to 6; The processor can load and execute the program in the memory.

8. An intelligent terminal, characterized in that: The invention comprises a memory and a processor, wherein the memory stores an identity confirmation method based on a parent-real and child-virtual account architecture that can be loaded and executed by the processor as described in any one of claims 1 to 6.

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