Device for realizing real-time authentication on customer bank agent special account by third party

Abstract

The invention discloses a device for realizing real-time authentication on a customer bank agent special account by a third party, comprising a customer bank agent special account managing device (A) of a bank, a third-party agent relation managing device (B), a customer application bank agent account channel (C) and a third-party client (D), wherein the customer bank agent special account managing device (A) of the bank is connected with the third-party agent relation managing device (B) through a private line (AB); the customer bank agent special account managing device (A) of the bank is connected with the customer application bank agent account channel (C) through a bank original channel network (AC); and the third-party agent relation managing device (B) is connected with the third-party client (D) through a third-party private network (BD). By means of the device provided by the invention, the safety of a customer bank actual account can be enhanced and the accuracy and the uniqueness of the customer bank agent special account which is used when the third party transacts the agent relation can be guaranteed.

Description

technical field [0001] The invention relates to the technical field of information authentication, in particular to a device for realizing real-time authentication of a customer's bank agency special account by a third party. Background technique [0002] At present, more and more customers choose banks to act as agents for the withholding and collection of various fees. Although this aspect solves the customer's own troubles and reduces the pressure on the bank's counter, it is the development trend of the agency business, but on the other hand On the one hand, it also causes the spread of customers' actual bank account information. If it is leaked to illegal personnel, it may bring incalculable losses to customers, which in turn will affect the reputation of the bank or cause losses to the bank. [0003] At present, in the agency business between the bank and the third party, the establishment of the customer agency relationship requires the customer to go to the bank coun...

AI Technical Summary

Problems solved by technology

Because customers need to establish agency relationships with different third parties, the customer's bank account information may be stored in different third parties, so it is impossible to ensure that their bank account information will not be leaked

[0005] 2. Because banks generally do not allow third parties to directly handle agency relationships, third parties cannot provide customers with satisfactory one-stop services. In addition to opening business with third parties, customers also need to go to banks to handle agency relationships, which brings customers Inconvenient, but also increased work pressure for the bank

[0006] 3. If the bank allows a third party to handle the agency relationship, because the third party cannot confirm the accuracy of the customer's bank account in real time, it is easy to cause the bank to fail in batch processing, which will cause the third party to contact the customer again for confirmation, which increases the workload. It also brings troubles for all parties to deal with the problem

[0007] 4. Because the third party cannot confirm in real time whether the customer's bank account is his or her own, it is easy to cause the bank to enter other people's accounts during batch processing and cause stringent accounts. Because it cannot be discovered in time, it is easy to cause customer disputes

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