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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’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.

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

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Experimental program
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Embodiment approach 1

[0051] see Figure 1~4 , figure 1 It is a schematic structural diagram of an implementation mode of a bank customer identity verification system according to the present invention, figure 2 for figure 1 Schematic diagram of the structure of the bank service terminal described in, image 3 for figure 1 The schematic diagram of the structure 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, a bank customer identity verification system according to 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. Wherein said bank database terminal 1 is respectively connected with bank service terminal 2, password collection and setting device 3, password...

Embodiment approach 2

[0059] A bank customer identity verification method described in the present invention also provides another embodiment, specifically including:

[0060] When the customer handles the bank card password business at the bank service terminal 2, the bank salesperson 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; Carry out standardization and standardization processing, generate image password certificate and digital password certificate, described image password certificate and digital password certificate are matched with the bank card of this client, ID card information respectively, image password certificate and digital password certificate are segmented, respectively Stored in bank database terminal 1 and bank card.

[0061] When the customer handles withdrawal and transfer services at the bank service terminal 2, the bank card is inse...

Embodiment approach 3

[0063] A bank customer identity verification method described in the present invention also provides another embodiment, specifically including:

[0064] When the customer handles the bank card password business at the bank service terminal 2, the bank salesperson 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; 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, he enters the customer's bank card number or ID card number at the bank service terminal 2, and the bank service terminal 2 calls out the matching ...

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Abstract

The invention relates to a bank client identity authentication system and method. The system comprises a bank database terminal, a bank service terminal, a password collecting and setting device, a password authentication device and a password input device. The bank database terminal is in data connection with the bank service terminal, the password collecting and setting device and the password authentication device separately through a network, the bank service terminal is electrically connected with the password collecting and setting device and the password authentication device, and the password authentication device is electrically connected with the password input device. The system and method have the advantages that due to the uniqueness and safety of biological characteristic passwords, the problems of bank card identity theft and online payment clone are avoided; biological characteristic password certificates are saved outside client bank cards, bank certified media and a biological recognizing module of the bank database terminal, and the 1:N capacity limitation of the recognizing module is broken through; during authentication, the registered biological characteristic password certificates are sent to the recognizing module for 1:1 comparison, 1:N authentication time is shortened, and the authentication efficiency is improved.

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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