Bank user identity authentication method and device based on behavior characteristics

A technology for user identity and identity verification, applied in the field of bank user identity verification methods and devices based on behavioral characteristics, can solve problems such as affecting the security of customer funds, decreasing the success rate of quick payment, affecting customer experience, etc. Improve pass rates and ensure credible results

Active Publication Date: 2019-11-05
INDUSTRIAL AND COMMERCIAL BANK OF CHINA
View PDF7 Cites 1 Cited by
  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

When the mobile phone number verification standard is lowered, it will lead to quick payment fraud, which will affect the security of customer funds. When the mobile phone number verification standard is raised, the success rate of quick payment will decrease, which will affect customer experience.

Method used

the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
View more

Image

Smart Image Click on the blue labels to locate them in the text.
Viewing Examples
Smart Image
  • Bank user identity authentication method and device based on behavior characteristics
  • Bank user identity authentication method and device based on behavior characteristics
  • Bank user identity authentication method and device based on behavior characteristics

Examples

Experimental program
Comparison scheme
Effect test

Embodiment Construction

[0039] In order to make the purpose, technical solutions and advantages of the embodiments of the present invention clearer, the technical solutions in the embodiments of the present invention will be clearly and completely described below in conjunction with the drawings in the embodiments of the present invention. Obviously, the described embodiments It is a part of embodiments of the present invention, but not all embodiments. Based on the embodiments of the present invention, all other embodiments obtained by persons of ordinary skill in the art without creative efforts fall within the protection scope of the present invention.

[0040] Embodiments of the present invention provide a specific implementation of a bank user identity verification method based on behavioral characteristics, see figure 1 this method 10 Specifically include the following:

[0041] Step 100: Obtain the identity verification request of the bank user, and the identity verification request carries ...

the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
Login to view more

PUM

No PUM Login to view more

Abstract

The invention provides a bank user identity authentication method and a bank user identity authentication device based on behavior characteristics. The method comprises the steps: obtaining an identity authentication request of a bank user, wherein the identity authentication request carries an identity identification; and performing identity verification on the bank user according to the identityidentifier and a preset behavior feature matching database. According to the bank user identity verification method based on the behavior characteristics provided by the invention, the behavior characteristics of the user identity identification for handling various services in the bank are fully utilized. The behavior characteristics are labeled, so that the credibility and safety of the user identity are ensured.

Description

technical field [0001] The present invention relates to the technical field of artificial intelligence, in particular to the field of big data mining in the financial industry, and in particular to a bank user identity verification method and device based on behavioral characteristics. Background technique [0002] With the development of the mobile Internet, quick payment has become one of the most commonly used payment methods in people's daily life, and the penetration rate in China has exceeded 86%. Quick payment only needs the user to provide bank card number, account name, mobile phone number and other information. After the bank verifies the correctness of the customer's mobile phone number, the third-party payment will send the mobile phone dynamic password to the user's mobile phone number, and the user can enter the correct mobile phone dynamic password to complete Pay or pay to sign. If the user completes the quick payment contract, the third-party payment instit...

Claims

the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
Login to view more

Application Information

Patent Timeline
no application Login to view more
IPC IPC(8): G06F21/31G06F21/32G06F21/34G06Q40/02
CPCG06F21/316G06F21/32G06F21/34G06Q40/02
Inventor 吴龙常陈静国
Owner INDUSTRIAL AND COMMERCIAL BANK OF CHINA
Who we serve
  • R&D Engineer
  • R&D Manager
  • IP Professional
Why Eureka
  • Industry Leading Data Capabilities
  • Powerful AI technology
  • Patent DNA Extraction
Social media
Try Eureka
PatSnap group products

Browse by: Latest US Patents, China's latest patents, Technical Efficacy Thesaurus, Application Domain, Technology Topic.

© 2024 PatSnap. All rights reserved.Legal|Privacy policy|Modern Slavery Act Transparency Statement|Sitemap