System and method for automatic online verification of customer identity in financial industry

Abstract

The invention relates to an automatic network verification system of a financial customer identity and a method thereof. The system comprises a customer identity information inquiring system at a financial customer terminal, an information transfer platform at the People's Bank and a resident identity information sharing platform at the Ministry of Public Security, and is characterized in that the customer identity information inquiring system at the financial customer terminal also comprises a local database used for storing inquiry results of a customer identity inquiring task transmitted back from the information transfer platform at the People's Bank, and the local database is connected with a customer identity inquiring task processing server. Compared with the prior art, the invention has the advantage of greatly increasing the response speed of the customer identity inquiring task processing server in processing of the customer identity inquiring task.

Description

technical field [0001] The invention relates to an automatic online checking system and checking method for the identity of customers in the financial industry. Background technique [0002] According to the "Anti-Money Laundering Law of the People's Republic of China" formulated by the People's Bank of China, the China Banking Regulatory Commission, the China Securities Regulatory Commission and the China Insurance Regulatory Commission and the "Administrative Measures for Financial Institutions' Customer Identification and Customer Identity Data and Transaction Record Retention According to the regulations, the financial industry must implement the real-name system for transactions, conduct online identity verification for new account openings and large-value transactions of financial customers, and crack down on tax evasion, corruption, financial fraud, money laundering and other illegal and criminal activities from the source. [0003] At present, identification in the f...

AI Technical Summary

Problems solved by technology

[0003] At present, identification in the financial industry is mainly through manual identification. Information is stored in traditional ways. There is no unified system for identification management. In addition, relevant practitioners do not strictly follow the system when handling identification, and some people use fake identities. Therefore, people have developed a system that can connect financial industry client terminals to the public security resident identity information sharing platform through the network, so that financial industry client terminals can pass through The network submits customer identity information to the Ministry of Public Security's resident identity information sharing platform for query in real time, thereby obtaining real-time query results. For example, the Chinese invention patent with the publication number CN101373549 (application number: 200720147514. Production business terminal solves ID card identification and network verification system, which includes multiple financial industry customer terminal customer identity information query systems, financial industry customer terminal customer identity information query systems generally include character input terminals and second-generation ID card reading terminals and images The input terminal, the customer identity information query system of the financial industry customer terminal is connected to the verification front-end system of the head office of the commercial bank through the network, and the front-end verification system of the head office of the commercial bank is connected to the information transfer platform of the People's Bank of China through the network, and the information transfer platform of the People's Bank of China is connected through the network. The network is connected to the information sharing platform of the Ministry of Public Security

[0004] In the above-mentioned system, each customer identity inquiry task must be sent to the information transfer platform of the People’s Bank of China through the financial industry customer terminal customer identity information inquiry system, and then forwarded to the resident identity information sharing platform of the Ministry of Public Security for inquiry, and the inquiry results Then forward it back to the terminal customer identity information query system of financial industry customers through the information transfer platform of the People's Bank of China; with the gradual standardization of banking business, in addition to account opening, loss reporting, and cash withdrawal, online verification has also added large-amount cash withdrawals, unlocking, etc. Projects, the verification frequency is getting higher and higher, so the query system needs to process a large number of query tasks. When the existing system handles these cumbersome query tasks, it is easy to have network congestion, which may cause customers to wait in line and cause customer dissatisfaction. And bring a certain negative impact to the financial industry customer terminal

And once the customer identity information query system of the financial industry customer terminal cannot be connected to the Internet, or the network between the information transfer platform of the People's Bank of China and the resident identity information sharing platform of the Ministry of Public Security is abnormal, it may cause the customer identity query task to not be processed in time

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