Bank client identity authentication system and method

A technology of customer identity and verification system, applied in payment system, electronic certificate, payment system structure, etc., can solve the problems of bank card theft, low security level, online payment cloning, etc., to prevent theft and shorten the verification time , the effect of improving the verification efficiency

Pending Publication Date: 2017-06-13
北京中矿赛力贝特科技有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0002] At present, the bank terminal password verification system only verifies the six-digit password set by the customer, which has a low level of confidentiality and is likely to cause bank cards to be stolen and online payments to be cloned
It often happens that the customer

Method used

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  • Bank client identity authentication system and method
  • Bank client identity authentication system and method
  • Bank client identity authentication system and method

Examples

Experimental program
Comparison scheme
Effect test

Example Embodiment

[0050] Implementation mode one

[0051] See Figure 1~4 , figure 1 It is a schematic structural diagram of the implementation of the bank customer identity verification system of the present invention, figure 2 for figure 1 The structure diagram of the bank service terminal described in image 3 for figure 1 The structure diagram of the password collection and setting device described in Figure 4 It is a schematic diagram of the connection between the bank database terminal and several bank service terminals in the present invention.

[0052] Such as figure 1 As shown, the bank customer identity verification system of the present invention includes a bank database terminal 1, a bank service terminal 2, a password collection and setting device 3, a password verification device 4, and a password input device 5. The bank database terminal 1 is respectively connected to the bank service terminal 2, the password collection and setting device 3, and the password verification device 4 t...

Example Embodiment

[0058] Implementation mode two

[0059] The bank customer identity verification method of the present invention also provides another embodiment, which specifically includes:

[0060] When a customer handles the bank card password business at the bank service terminal 2, the bank clerk collects the customer’s biometric information and ID card information through the password collection device 32, and transmits the collected information to the password setting device 31; the password setting device 31 checks the customer information Carry out standardization and standardization processing, generate image password certificate and digital password certificate, said image password certificate and digital password certificate are matched with the customer's bank card and ID card information respectively, and divide the image password certificate and digital password certificate into segments and separately Save to the bank database terminal 1 and bank card.

[0061] When the customer han...

Example Embodiment

[0062] Implementation mode three

[0063] The bank customer identity verification method of the present invention also provides another embodiment, which specifically includes:

[0064] When a customer handles the bank card password business at the bank service terminal 2, the bank clerk collects the customer’s biometric information and ID card information through the password collection device 32, and transmits the collected information to the password setting device 31; the password setting device 31 checks the customer information Perform standardization and standardization processing, generate image password certificates and digital password certificates, and store the image password certificates and digital password certificates in the bank database terminal 1 corresponding to the customer's bank card and ID card information.

[0065] When a customer handles withdrawals and transfers at the bank service terminal, enter the customer's bank card number or ID number at the bank ser...

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Abstract

The invention relates to a bank customer identity verification system and verification method. The system includes a bank database terminal, a bank service terminal, a password collection and setting device, a password verification device and a password input device; wherein, the bank database terminal is respectively connected with the bank service terminal, the password collection and setting device, and the password verification device through the network. The service terminal is electrically connected to the password collection and setting device and the password verification device respectively, and the password verification device is electrically connected to the password input device. The superior effect is: the uniqueness and security of the biometric password, which eliminates the problems of bank card being stolen and online payment being cloned; the biometric password certificate is stored in the customer's bank card, the bank's certified medium, and the bank's database. In addition to the module, it breaks through the 1:N capacity limit of the identification module; during verification, the registered biometric password certificate is sent to the identification module for 1:1 comparison, which shortens the 1:N verification time and improves verification efficiency.

Description

technical field [0001] The invention relates to the technical field of identity verification, in particular to a bank customer identity verification system and verification method. Background technique [0002] At present, the bank terminal password verification system only verifies the six-digit password set by the customer, which has a low level of confidentiality and can easily cause bank cards to be stolen and online payments to be cloned. It often happens that the customer’s bank card is clearly not used by him, but the mobile phone text message indicates that the bank card is being consumed in a different place. What’s more, the robbery suspect uses threats or cruel means to force the victim to reveal the bank card password to commit the crime. . Contents of the invention [0003] A main purpose of the present invention is to overcome at least one defect in the prior art, and provide a bank customer identity verification system and verification method. [0004] In ...

Claims

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Application Information

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IPC IPC(8): G06Q20/18G06Q20/38G06Q20/40
CPCG06Q20/18G06Q20/3821G06Q20/40145
Inventor 张会珍刘博
Owner 北京中矿赛力贝特科技有限公司
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