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Authentication method and authentication equipment for remotely setting up financial accounts

A financial account and authentication equipment technology, applied in the field of mobile Internet, can solve the problems of insufficient camera definition, slow speed, cumbersome operation, etc., and achieve the effect of improving work efficiency and user experience, increasing identification and confirmation, and reducing financial risks

Inactive Publication Date: 2018-10-19
YINLIAN FINANCIAL INFORMATION SERVICE BEIJING CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0006] 1. Basic information such as user identity still needs to be entered by the user before verification, and the operation is cumbersome;
[0007] 2. Authentication through man-made remote video is slow, and video authentication will be affected by external factors, such as the user's face is unclear in dark light, the camera of the device is not clear enough, or people with similar biological characteristics to the user cannot Complete accurate certification (such as twins, etc.)

Method used

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  • Authentication method and authentication equipment for remotely setting up financial accounts
  • Authentication method and authentication equipment for remotely setting up financial accounts
  • Authentication method and authentication equipment for remotely setting up financial accounts

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0037] An embodiment of the present invention provides an authentication method for remotely setting up a financial account, including:

[0038] S1. Obtaining user identification information of a user who remotely sets up a financial account;

[0039] The user identification information may be the user's ID card number and / or the user's mobile phone number, or other information that can uniquely identify the user's identity. The remote financial account establishment user refers to a user who is establishing a financial account remotely, and specifically refers to a user who intends to remotely apply for a financial card or remotely activate a financial card through online channels.

[0040] Acquiring the user identification information of the user who remotely sets up the financial account may specifically be that the user inputs the user identification information manually, or the terminal device extracts the user identification information of the user by taking a photo or v...

Embodiment 2

[0058] The embodiment of the present invention is described by taking the user 1 who has applied for a debit card in Bank A as an example. The authentication method for remotely setting up a financial account provided by the embodiment of the present invention includes:

[0059] 200. When user 1 applies for a debit card at bank A, bank A collects and stores the identity information of user 1;

[0060] Specifically, the basic information of user 1, such as ID card number, address, mobile phone number, email address, work unit, etc., is collected, and at the same time, at least some of the biological information of user 1, such as fingerprints, iris, and face and palm prints, are collected. One, and upload the above information to the database of the People's Bank of China for preservation.

[0061] 201. When user 1 needs to apply for a bank card of Bank B online through the terminal device, he can click on the app client of Bank B downloaded on the terminal device to enter the ...

Embodiment 3

[0080] Refer to attached image 3 , the embodiment of the present invention also provides an authentication device for remotely setting up a financial account, the authentication device includes:

[0081] The obtaining unit 301 is configured to obtain user identification information of a user who remotely sets up a financial account, and obtain the identity information of the user corresponding to the user identification according to the user identification information, and the user's identity information includes the user's basic information and / or User's biometric information;

[0082] An authentication unit 303, configured to authenticate the user who remotely sets up a financial account according to the identity information of the user acquired by the acquisition unit, and if the authentication is successful, allow the user to set up a financial account remotely to complete the process of remotely setting up a financial account operate.

[0083]In the embodiment of the p...

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PUM

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Abstract

Embodiments of the invention provide an authentication method and an authentication device for remote opening of a financial account. The method comprises the steps of acquiring user identification information of a user opening the financial account remotely; according to the user identification information, acquiring identity information of the user corresponding to the user identification, wherein the identity information of the user comprises basic information of the user and / or biological information of the user; and according to the identity information of the user, authenticating the user opening the financial account remotely, if the authentication succeeds, allowing the user opening the financial account remotely to complete an operation to open the financial account remotely. The authentication method and authentication device for remote opening of the financial account can realize remote opening of the financial account, and effectively lower the financial risk.

Description

technical field [0001] The invention relates to the field of mobile Internet, in particular to an authentication method and authentication equipment for remotely setting up financial accounts. Background technique [0002] In the prior art, financial institutions such as banks often adopt traditional methods when issuing financial cards such as bank cards to individuals. For example, users need to go to the bank's business outlets or designated places to check their identity information and complete the processing of financial cards. and activate the service. With the increasing development of Internet technology, more and more users hope to remotely handle card operations through the Internet, and banks and other financial institutions also need to use remote financial card processing to improve work efficiency and save costs. [0003] Biometric identification technology is currently the most widely used and most convenient security identification technology. It authentica...

Claims

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Application Information

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Patent Type & Authority Patents(China)
IPC IPC(8): H04L9/32G06F21/32G06Q20/40
Inventor 程明强
Owner YINLIAN FINANCIAL INFORMATION SERVICE BEIJING CO LTD