Method utilizing ID card number as bank account number and adopting fingerprint for ID authentication

Abstract

The invention relates to a method which uses an ID card number as a bank account number and a living body fingerprint as a necessary authentication method so as to ensure that the information of a second-generation identity card can be read in by a card reader and then be bound with the bank account when people apply for registering bank accounts. Various banking practices can be easily handled and consumption can be paid for by the steps of inputting the ID card number by input equipment and carrying out the simultaneous authentication of passwords and the living body fingerprint, or by the steps of swiping the second-generation identity card and carrying out the fingerprint authentication. The method has the advantages that: the living body fingerprint is utilized as the necessary mode of authentication, and therefore the method is safe and reliable and prevents people from worrying about forgetting the passwords; the ID card number is used as the passwords of the account, so that the cost of a bank can be reduced and customers do not need to take a plurality of bank cards during transaction; and the illegal criminal activity which utilizes the capitation accounts to launder money can be prevented, and abnormal cash flow can be conveniently and effectively supervised.

Description

technical field [0001] The invention relates to a new method for business handling and consumption payment in the financial field, in particular to a method for business handling and consumption payment that adopts an ID number as a bank account number and uses living fingerprints for identity authentication. Background technique [0002] Bank cards have existed in the lives of Chinese people for more than 20 years. The issuance of bank cards has entered an accelerated stage since 2003. The card issuers are mainly banks and other financial institutions. In order to expand the storage capacity, each bank does not hesitate to apply for cards repeatedly for customers. Therefore, customers can have several bank cards of the same type in the same bank, and can apply for different bank cards in different banks. This not only causes great harm to the banking system. Data storage pressure, card issuance cost, etc., and it also brings inconvenience to customers who need to carry seve...

AI Technical Summary

Problems solved by technology

[0003] With the continuous improvement of criminals' new criminal methods, customer bank card passwords are stolen, credit cards are copied and a large amount of cash is stolen, which not only causes the stolen customers to suffer huge economic losses, but also may cause A certain amount of psychological panic brought about by society

At the same time, because people have several bank cards, point cards in shopping malls, etc., they need to verify the digital password when using it. If each card uses a different password, it is difficult to remember, and it is easy to remember; If all cards use the same password, as long as the password of one card is stolen, all cards will have a great security risk

On March 12, 2008, an invention patent with the application number 200710139452.8 published on the website of the State Intellectual Property Office of the People's Republic of China, which uses fingerprint authentication to replace the existing digital password authentication method, greatly improves customer bank card The safety of cash payment, but it still fails to solve the inconvenience of citizens needing to carry several bank cards

Since the magnetic stripe card is easy to forge, it brings financial security risks; customers need to carry several bank cards when they go out, which is extremely inconvenient

Images