Resident identity card based bank account real name control method

Abstract

The invention relates to a system of the network check of citizen identity information, which collects the identity information of citizens who handle mechanics of banking by an embedded intelligent terminal, sends the identity information to an message switching system of People's Bank by a cable network and then transmits to an information sharing system of Ministry of Public Security; the information sharing system of Ministry of Public Security processes uploaded data, and check results are fed back to the message switching system of People's Bank; then the check results of the information sharing system of Ministry of Public Security are transmitted to commercial bank by the message switching system of People's Bank, thus causing financial organizations to master the identity of clients correctly and tell the truth from the false of identity cards, restraining illegal acts and crimes, such as corruption and bribery, tax evasion, financial fraud, money laundering, etc., promoting social credit system construction and the development of anti-money laundering work, better protecting the property right of banks and the general public and realizing the management of a complete real name system of bank accounts.

Description

technical field [0001] The control method (system development) is a method of directly using resident ID cards to control citizens' handling of banking business, and belongs to the technical field of public safety technology prevention (security protection). Background technique [0002] Online verification of citizen identity information system: its most basic function is who can conduct banking transactions, so as to achieve real-name management of bank accounts. Bank accounts are the starting point and end point of capital movement, the basis for transfer settlement and cash deposit and withdrawal by units and individuals, and record the trajectory of social capital movement. As a basic financial system arrangement, online verification and the implementation of the real-name system for bank accounts are of great significance. First, it is conducive to curbing illegal and criminal activities such as corruption and bribery, tax evasion, financial fraud, and money launderin...

AI Technical Summary

Problems solved by technology

However, for a long time, due to the lack of effective means to identify the authenticity of certification documents, especially personal identity documents, it is difficult for banking institutions to verify the authenticity of personal identity documents. The identity card of the applicant for opening an account is verified, and at the same time, individual banking institutions or bank counter personnel deliberately lower the requirements for the real-name system of bank accounts out of competition considerations. The real-name system, especially the real-name system for personal bank accounts, is still a relatively arduous task

Images