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Identity authentication method, server, terminal and system for collection business

A technology of identity authentication and server, applied in the field of information security, can solve the problem of low security of identity authentication

Inactive Publication Date: 2011-04-13
INDUSTRIAL AND COMMERCIAL BANK OF CHINA
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0005] The main purpose of the embodiment of the present invention is to provide an identity authentication scheme for the collection business, so as to solve the problem of low security of identity authentication in the current collection business of the bank

Method used

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  • Identity authentication method, server, terminal and system for collection business
  • Identity authentication method, server, terminal and system for collection business
  • Identity authentication method, server, terminal and system for collection business

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0034] The embodiment of the present invention provides an identity authentication method based on a payment service, which is applied to an identity authentication server (may be referred to as a server for short) of a bank. figure 1 is the flow chart of the method, such as figure 1 As shown, the method includes:

[0035] Step 101, receiving a payment request including the payment terminal identification information and the payer identity information sent by the payment terminal;

[0036] Step 102, verify the validity of the payment terminal identification information and the payer's identity information, generate the payment information including the payment route and the payment time according to the legal payment terminal identification information and the payer's identity information, and use the The payment instruction is sent to the money transport terminal;

[0037] Step 103, receive the money transport information that includes money transport terminal identificatio...

Embodiment 2

[0112] An embodiment of the present invention also provides an identity authentication server for a payment collection service, preferably used to implement the method in the first embodiment above. Figure 7 is the block diagram of the server, such as Figure 7 As shown, the server includes:

[0113] The payment request receiving unit 701 is configured to receive the payment request sent by the payment terminal, which includes the identification information of the payment terminal and the identity information of the payer; this unit can preferably implement the above step 101;

[0114] The payment information authentication unit 702 is used to verify the legality of the payment terminal identification information and the payer's identity information, and generate the payment information including the collection route and the payment time according to the legal payment terminal identification information and the payer's identity information. Receipt information, and send the ...

Embodiment 3

[0154] An embodiment of the present invention further provides a payment terminal for a payment service, preferably, the payment terminal can implement the functions of the payment terminal in the first and second embodiments above.

[0155] Figure 14 is the block diagram of the payment terminal, such as Figure 14 As shown, the payment terminal includes:

[0156] a terminal identification information acquisition unit 140, configured to acquire payment terminal identification information;

[0157] a payer information acquisition unit 141, configured to acquire the payer identity information;

[0158] a payment request sending unit 142, configured to send a payment request including the payment terminal identification information and the payer identity information to the identity authentication server;

[0159] The money transporter information acquisition unit 143 is used to obtain the identity information of the money transporter;

[0160] The delivery information sendin...

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Abstract

The invention provides an identity authentication method, a server, a terminal and a system for collection business, wherein the method comprises the following steps of: receiving a pay-in request which is sent by a pay-in terminal and includes pay-in terminal identification information and payer identity information; testing the validity of the pay-in request, generating collection information including a collection line and the collection time according to the legal pay-in request, and sending a collection command to a banknote carrying terminal; receiving banknote carrying information which is fed back by the banknote carrying terminal and includes banknote carrying identification information and banknote carrier identity information; testing the validity of the banknote carrying information, generating banknote carrying confirmation information according to the legal banknote carrying information, and sending the banknote carrying confirmation information to the banknote carrying terminal; receiving the banknote carrier identity information and the pay-in terminal identification information which are acquired by the pay-in terminal; and testing the validity of the banknote carrier identity information and the pay-in terminal identification information which are acquired by the pay-in terminal, generating a pay-in execution command according to the banknote carrier identity information and the pay-in terminal identification information which are acquired by the legal pay-in terminal, and sending the pay-in execution command to the pay-in terminal.

Description

technical field [0001] The invention relates to the field of information security, and in particular, to an identity authentication method, server, terminal and system for collection services. Background technique [0002] With the increasingly fierce competition in the banking industry, providing customers with comprehensive and flexible services, providing special services, and highlighting the advantages of value-added services among many competitors has become the first choice for customers and an important means of competition for banks. At present, the collection business is an important financial service carried out by various banks. Since this business has high risks and high security certification requirements, how to ensure the security and strictness of identity authentication during the collection process and reduce human factors , effectively preventing financial risks and preventing financial crimes, has always been a difficult problem faced by the banking indu...

Claims

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Application Information

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IPC IPC(8): G07F19/00
Inventor 张玉海周亦安文龙高勇鹏蔡建浩
Owner INDUSTRIAL AND COMMERCIAL BANK OF CHINA
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