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A bank account authentication system and an authentication method thereof

A bank account and authentication system technology, applied in the bank account authentication system and its authentication field, can solve the problems of user inconvenience, low efficiency, inconvenience in offline bank account authentication and review, etc., so as to reduce the consumption of human and material resources and ensure authenticity. security, efficiency and convenience of the authentication process

Inactive Publication Date: 2019-05-28
厦门投融汇网络有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

The user usually checks and activates the account by remitting a small amount of funds to the newly opened account directly at the bank counter or the bank's ATM. Remittance with a bank card is time-consuming and labor-intensive. At the same time, it will occupy the human and material resources of the bank during the peak period, and the user operation is very inconvenient.
Therefore, users need an online authentication system and authentication method based on network authentication to solve the inconvenience and inefficiency of offline bank account authentication review

Method used

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  • A bank account authentication system and an authentication method thereof
  • A bank account authentication system and an authentication method thereof

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0025] Such as figure 1 As shown, a bank account authentication system provided in Embodiment 1 includes a merchant interface module 1, an authentication router 2, an external authentication interface module 3, and a user management module 4, and the signal terminal of the authentication router 2 and the signal of the user management module 4 terminals are electrically connected to the signal terminal of the merchant interface module 1, the signal terminal of the external authentication interface module 3 and the signal terminal of the user management module 4 are respectively electrically connected to the signal terminal of the authentication router 2, and the signal terminal of the external authentication interface module 3 Electrically connected with an authentication server 5, the authentication server 5 includes an authentication verification module 51, a user bank information database 52, a verification code generation module 53 and a small verification fund generation mo...

Embodiment 2

[0031] Such as figure 2 As shown, the authentication method for the bank account authentication system provided in Embodiment 2 is designed to make the authentication process of the bank account authentication system safe, reliable, simple, understandable, and easy to operate. Further, the authentication method includes the following steps. Step 1 S1, the user logs in to the authentication page through the merchant interface module 1, selects the authentication type, and clicks Next to enter the bank account authentication page. Among them, the user authentication type can choose individual or enterprise. Step 2 S2, on the bank account authentication page, after the user fills in the bank account information and submits it, the authentication verification module 51 verifies whether the user's bank account information is correct and feeds back the verification result to the merchant interface module 1 to execute the next step. Wherein, the bank account information includes b...

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PUM

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Abstract

The invention discloses a bank account authentication system and an authentication method thereof, belongs to the network authentication field. The bank account authentication system disclosed by theinvention comprises a merchant interface module, an authentication router, an external authentication interface module and a user management module, the signal end of the external authentication interface module is electrically connected with an authentication server, and the authentication server comprises an authentication verification module, a user bank information database, a verification code generation module and a small verification fund generation module. Correspondingly, the invention further discloses an authentication method for the bank account authentication system. According tothe bank account authentication system and the authentication method thereof, an online authentication auditing mode is adopted for replacing an offline authentication auditing mode for the bank account of the user, and multiple authentication verifications are adopted, so that the authenticity and the security of authentication are ensured, the authentication process is more efficient and convenient, the authentication method is simple and easy to understand, the actual operation of the user is facilitated, and the loss of manpower and material resources of the bank is reduced.

Description

technical field [0001] The invention relates to the field of network authentication, in particular to a bank account authentication system and an authentication method thereof. Background technique [0002] With the rapid development of society, people are more pursuing fast and convenient services and efficient and trouble-free handling modes. Therefore, there are more and more systems and methods for online business services through the network. Among them, when performing online services, it is usually necessary to review the user's identity information. In order to ensure the authenticity and security of user information, a network authentication system has emerged as the times require. The rationality of network authentication system design has a great impact on the authenticity and security of user accounts. [0003] When a user opens a bank account in a bank, it is usually necessary to remit a small amount of funds to the newly opened account for account verification...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/40G06Q20/10H04L29/06
Inventor 李秀刚谢奉见
Owner 厦门投融汇网络有限公司