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Bank client transaction system

A transaction system and customer technology, which is applied in the bank's customer transaction system field, can solve the problem of high cost and achieve the effect of improving security

Inactive Publication Date: 2010-11-24
张剑
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

In addition to equipment transformation, this technology requires all cards to be replaced, which is extremely expensive

Method used

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  • Bank client transaction system
  • Bank client transaction system

Examples

Experimental program
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Effect test

Embodiment Construction

[0023] Such as figure 1 As shown, when adopting the bank customer transaction system provided by the present invention, it is only necessary for the customer to apply for a new magnetic stripe card account opening business or hold the original magnetic stripe card to the counter of the financial institution, and first swipe the magnetic stripe card to read the magnetic stripes such as the card number. Then read the cardholder's fingerprint through the fingerprint scanner, extract the fingerprint image feature code from the intercepted fingerprint image through the fingerprint recognition software, and encrypt to generate fingerprint information; pack the cardholder's card number, fingerprint and other information and send it to the background through the network , bind the cardholder's card number and fingerprint information in the background and store them in the database.

[0024] When customers use this system, such as figure 2 As shown, the fingerprint information of the...

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PUM

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Abstract

The invention relates to a bank client transaction system and a method for making a transaction by using the client transaction system. The bank client transaction system comprises counter equipment or a self-service bank machine client program, a network system, a background processing system and a database, wherein a bank background database stores client fingerprint information, and the fingerprint information of each client uniquely corresponds to a back card number; the bank counter equipment or a self-service bank machine fingerprint recognizer reads the client fingerprint information; the client fingerprint information is processed by the client program and transmitted to a background through a network system; and the background processing system compares the fingerprint information with the client fingerprint information stored in the database by unpacking and deciphering, searches for a corresponding bank card number and relevant card information if the fingerprint information is accordant with the client fingerprint information and further verifies a password to finish a relevant transaction. The thought of the conventional card transaction safety is changed skillfully, and the fingerprint information is related to the card number, so that the conventional physical card is eliminated, and the bank card use safety of a client is greatly enhanced without making any change on the conventional client card.

Description

technical field [0001] The invention relates to a customer transaction system of a bank, by which the customer of the bank can complete identity verification and conduct transaction operations. The invention also relates to a method for conducting transactions using the client transaction system. Background technique [0002] At present, in the customer transaction system used by the banking system, in addition to the traditional passbook for transactions, the most widely used is the magnetic stripe card in various self-service banking machines (mainly including: automatic teller machines, automatic deposit machines, deposit and withdrawal integrated machine, self-service terminal, POS, transfer phone, etc.). That is, customers operate various magnetic stripe cards issued by banks on bank counters and self-service banking machines to complete various transactions such as withdrawals, deposits, transfers, inquiries, and loss reports. The magnetic stripe card records the cus...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G07F19/00G07F7/00G06Q40/00G06Q30/00H04L9/32G06K9/00
Inventor 张剑
Owner 张剑
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