Looking for breakthrough ideas for innovation challenges? Try Patsnap Eureka!

Bank personal user networking checking method, system and equipment

A user and bank technology, applied in the field of online verification of individual bank users, can solve problems such as network instability, blunt switching methods, affecting customer experience, etc., to improve the verification success rate, avoid repeated applications, and improve the effect of experience.

Pending Publication Date: 2022-03-29
SICHUAN XW BANK CO LTD
View PDF6 Cites 0 Cited by
  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

This mode has the following disadvantages. The switching method is relatively blunt, and it will be forced to switch once the time period is reached. During the switching period, real-time transaction requests will be affected; for a period of time, the channel for verification is fixed, and the current channel has network instability. Or the service is suspended and cannot be automatically switched to other channels, which may easily cause customers to wait for a long time and 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 personal user networking checking method, system and equipment
  • Bank personal user networking checking method, system and equipment
  • Bank personal user networking checking method, system and equipment

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0026] Please refer to figure 1 with figure 2 , the embodiment of the present invention provides a bank individual user online checking method, comprising the following steps:

[0027] S101. Send a verification request;

[0028] Exemplarily, when a client's online verification system performs verification and authentication of identity information, the user first needs to prepare verification materials and send a verification request to the system server. Exemplarily, the identity information verification materials include name, gender, ID number and mobile phone number, at least including the ID number, and other information can be used as binding information for auxiliary authentication.

[0029] S102. In response to the above-mentioned verification request, detect the current availability of each channel, calculate and select the current priority channel;

[0030] After receiving the user's verification request, the system server first needs to detect the current availa...

Embodiment 2

[0039] Please refer to image 3 , in the embodiment of the present invention, while detecting the current availability status of each channel, it is judged whether the corresponding channel is available, and if all channels are unavailable, the current verification request is rejected.

[0040] Before calculating the optimal channel, while detecting the current availability of each channel, it is also necessary to determine whether the corresponding channel is available. If all channels are unavailable, the current verification request is rejected. For example, when the availability rate of all channels is lower than the minimum threshold (when the channel's availability rate is lower than the channel's minimum threshold, the channel can no longer respond to new verification requests at this time), even if the channel with the highest availability rate is selected The channel is still unavailable. Therefore, if all channels are detected to be unavailable, the current verificat...

Embodiment 3

[0043] In the embodiment of the present invention, weight values ​​are set in sequence from high to low for the above-mentioned pedestrian passage, backup passage and secondary backup passage.

[0044] In addition to the channel availability as the selection criteria for the priority channel in the above-mentioned embodiments, in actual application, this business mainly belongs to the business scope of the bank, so the pedestrian channel is usually used as the default priority channel by default, so whether it is implemented In example 1, carry out the selection of priority channel, or the judgment to channel usability in embodiment 2, at first all start from pedestrian channel, and backup channel and secondary backup channel are then successively as alternative channels, then implement based on this The specific verification includes the following steps:

[0045] Step 1: The basic parameters are set to the pedestrian channel first, followed by the backup channel and the secon...

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 discloses a bank personal user networking checking method, system and device, and relates to the field of bank information security. The invention discloses a bank individual user networking checking method. The method comprises the following steps: sending a checking request; in response to the verification request, detecting the availability rate condition of each current channel, and calculating and selecting a current priority channel; verifying the identity information of the current user through the priority channel; if the verification is passed, the verification is successful, and the process is ended; if the verification is not passed, the identity information of the current user is transferred to a secondary channel for verification again; if the verification is passed, the verification is successful, and the process is ended; and if the verification is not passed, the verification fails, and the process is ended. According to the method provided by the invention, the channel is detected in real time, and the optimal channel is calculated by weighting, so that the utilization rate of the channel is improved while the verification is ensured to be carried out smoothly. Meanwhile, for the data which fails to be checked, other routes are gradually selected to be checked in an exhaustion mode, so that the checking success rate is improved.

Description

technical field [0001] The invention relates to the technical field of bank information security, in particular to a method, system and equipment for online checking of individual bank users. Background technique [0002] When the bank's online verification system authenticates the customer's identity information, it usually switches channels at a fixed time, and uses the pedestrian channel for online verification between 07:30 and 19:30 during the day; Check the passage; when the pedestrian passage or the backup passage fails or the service is suspended, manually switch to the secondary backup passage. This mode has the following disadvantages. The switching method is relatively blunt, and it will be forced to switch once the time period is reached. During the switching period, real-time transaction requests will be affected; for a period of time, the channel for verification is fixed, and the current channel has network instability. Or the service is suspended and cannot ...

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
Patent Type & Authority Applications(China)
IPC IPC(8): H04L67/60H04L43/16G06Q40/02
CPCH04L43/16G06Q40/02
Inventor 杨强钱思先刘强倪振心
Owner SICHUAN XW BANK CO LTD
Who we serve
  • R&D Engineer
  • R&D Manager
  • IP Professional
Why Patsnap Eureka
  • Industry Leading Data Capabilities
  • Powerful AI technology
  • Patent DNA Extraction
Social media
Patsnap Eureka Blog
Learn More
PatSnap group products

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

© 2024 PatSnap. All rights reserved.Legal|Privacy policy|Modern Slavery Act Transparency Statement|Sitemap|About US| Contact US: help@patsnap.com