Financial industry oriented customer authentication system and method

Abstract

The invention discloses a financial industry oriented customer authentication system, which comprises an intelligent identity recognition platform, and is characterized in that the intelligent identity recognition platform comprises a platform access layer, a platform service layer, a platform management monitoring layer and a platform resource layer; Wherein the platform access layer is responsible for integrating transaction data of a platform, the platform service layer is responsible for integrating and authenticating modes, the platform management monitoring layer is responsible for managing and configuring relevant information required by the platform, and the platform resource layer is responsible for managing and storing platform data; The system further comprises an interface in butt joint with the third-party service system, data sharing with the third-party system is facilitated, the client authentication system oriented to the financial industry builds standard, simple, unified and transparent authentication service interfaces for enterprises, enterprise information islanding barriers are broken through, and the maintenance cost of the system is reduced.

Description

【Technical field】 [0001] The invention relates to the field of security authentication in the financial industry, in particular to a client authentication system and method for the financial industry. 【Background technique】 [0002] At present, many banks implement face recognition authentication, fingerprint recognition authentication, voiceprint recognition authentication, etc. on counters, self-service channels, online banking and other channels, which strengthen the bank's identity verification mechanism for users and improve user transaction security. However, the current conditions The following various authentication methods are constructed separately, see figure 1 , under normal circumstances, a single business system is used, and different authentication methods have their own authentication systems. Due to their own limitations, the relevant authentication systems cannot expand other authentication methods; they cannot provide multi-authentication vendor management...

AI Technical Summary

Problems solved by technology

[0002] At present, many banks implement face recognition authentication, fingerprint recognition authentication, voiceprint recognition authentication, etc. on counters, self-service channels, online banking and other channels, which strengthen the bank's identity verification mechanism for users and improve user transaction security. However, the current conditions The following various authentication methods are constructed separately, see figure 1 , under normal circumstances, a single business system is used, and different authentication methods have their own authentication systems. Due to their own limitations, the relevant authentication systems cannot expand other authentication methods; they cannot provide multi-authentication vendor management; Strongly coupled state; unable to provide a unified biometric database, unable to meet the use of multi-application systems, which increases the difficulty and cost of implementation, as well as the difficulty and cost of management and operation and maintenance, resulting in multiple information islands and Repeated construction investment

Unable to realize fast access to other similar business scenarios that require authentication, unable to support rapid business innovation, unable to provide users with multi-modal and accurate identification services, and unable to provide relevant authentication services to peer institutions or other institutions that require authentication

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