Bank worker identity verification system and method

Abstract

The invention discloses a bank staff identity verification system and method. The system comprises an identity verification module, a bank staff module and a bank customer module. The identity verification module is respectively connected with the bank employee module and the bank customer module; a client access task is submitted through the bank employee module, then the bank employee identity and the task are subjected to online verification through the identity verification module, and after verification is completed, verification information is sent to the bank client module; the bank customer module judges the authenticity of visiting staff according to the bank staff information; the system integrates existing resources such as a commercial bank employee channel and a client channel by means of an internet technology, and performs online verification on the identity and task of a bank worker by adopting a mode of applying, approving, publishing and verifying; the difficulty of verifying the identity of the customer is greatly reduced, and the behaviors that lawbreakers alter and forge work certificates of bank personnel and pretend to the bank personnel to carry out financial fraud are effectively prevented.

Description

Technical Field

[0001] The present application relates to the financial field, and in particular to a bank staff identity verification system and method. Background Art

[0002] Identity verification refers to confirming the true identity of a person or an entity through certain means and technologies, so as to determine whether it has the authority to access a certain resource or perform a certain task. When commercial bank employees make customer return visits by phone, confirm and update customer personal identity information, verify and process gambling and fraud accounts, recommend new product or service information, remind customers of due repayments or renewals, and handle banking services at home, customers need to verify the identity of bank staff to prevent criminals from impersonating bank staff to commit fraud.

[0003] At present, the main identity verification methods that bank customers can use are: 1. When conducting banking services, actively show or wear a valid work certificate, and inform the customer of the name, position and unit; 2. Issue a letter of introduction or work contact letter and other certification documents, indicating the unit, personnel, work tasks, validity period and other contents, and affix the official seal; 3. Wear work uniforms and identity identification as required when providing on-site services; 4. Use the official customer service phone to communicate with customers; however, work certificates, clothing and equipment used offline are likely to be forged or altered, and most customers do not have the ability to distinguish the authenticity; at the same time, because the official customer service phone is subject to resource and system limitations, bank employees may not be able to use the official customer service number when contacting customers by phone. It is more common to use ordinary office phones or mobile phones to contact customers, which undoubtedly increases the difficulty for customers to identify the authenticity of the caller's identity.

[0004] In view of this, providing a bank staff identity verification system and method for effectively verifying the staff identity is a technical problem that needs to be solved urgently by those skilled in the art. Summary of the invention

[0005] In order to solve the above technical problems, the purpose of the present invention is to provide a bank staff identity verification system and method to ensure that the identity and tasks of the personnel are authentic and traceable, greatly reduce the difficulty of customer identity verification, and effectively prevent criminals from impersonating bank staff to commit fraud.

[0006] The first object of the present invention is to provide a bank staff identity verification system; The technical solution provided by the present invention is as follows: A bank staff identity verification system, comprising: an identity verification module, a bank staff module and a bank customer module; The identity verification module is connected to the bank employee module and the bank customer module respectively; The identity verification module is used to verify the identity and tasks of bank staff online; The bank staff module is used to submit customer access tasks; The bank customer module is used to determine the authenticity of the visiting staff based on the bank staff information.

[0007] Preferably, the identity verification module specifically includes: an information association submodule, a task approval submodule, a task release submodule and an authorization code verification submodule; The task approval submodule is connected to the information association submodule and the task issuing submodule respectively; The task issuing submodule is connected to the authorization code verifying submodule; The information association submodule is used to associate employee information, customer information and task information; The task approval submodule is used to approve the task information associated with the information association submodule, generate an authorization verification code after approval, and add the approved task information to the approved task list; The task publishing submodule is used to publish the approved task list; The authorization code verification submodule is used to verify the authorization verification code.

[0008] Preferably, the bank employee module specifically includes: a task application submission submodule and an authorization code acquisition submodule; The task application submission submodule is connected to the information association submodule; The obtaining authorization code submodule is connected to the task approval submodule; The task application submission submodule is used to submit a customer access task application and send it to the information association submodule; The authorization code acquisition submodule is used to acquire the authorization verification code generated by the task approval submodule.

[0009] Preferably, the bank customer module specifically includes: a receiving submodule and a verifying submodule; The receiving submodule is connected to the task approval submodule; The verification submodule is connected to the authorization code verification submodule; The receiving submodule is used to receive the visit notification message sent by the task approval submodule, wherein the visit notification message includes the authorization verification code; The verification submodule is used to verify the identity and task authenticity of bank staff in the bank's official customer channel based on the authorization verification code.

[0010] The second object of the present invention is to provide a method for verifying the identity of a bank employee; The technical solution provided by the present invention is as follows: A bank staff identity verification method comprises the following steps: Bank staff submit customer visit task applications through employee channels; Integrate and approve the client's access task application to obtain an authorization verification code; The bank employee's identity is verified based on the authorization verification code.

[0011] Preferably, the integration and approval according to the customer access task application to obtain the authorization verification code specifically includes: Associating the employee information, customer information and task information in the customer access task application; The associated customer access task application is reviewed.

[0012] Preferably, the reviewing of the associated customer access task application specifically includes: Review the associated customer access task application: If the review is passed, an authorization verification code will be generated and fed back to the applicant and the designated customer.

[0013] Preferably, the bank employee identity verification according to the authorization verification code specifically includes: The customer verifies the identity and authenticity of the bank staff member's task through the bank's official customer channel based on the authorization verification code; After verifying that the authorization verification code is correct, the identity verification module feeds back the bank staff's identity and task details to the customer; Among them, the bank’s official customer channels include mobile banking and online banking.

[0014] The third object of the present invention is to provide an electronic device; The technical solution provided by the present invention is as follows: An electronic device, comprising: at least one processor; and A memory communicatively connected to the at least one processor, the memory storing a computer program executable by the at least one processor, the computer program being executed by the at least one processor so that the at least one processor can execute the method steps described in the bank staff identity verification method. A fourth object of the present invention is to provide an electronic device; The technical solution provided by the present invention is as follows: A computer-readable storage medium is used to store a computer program, and the computer program is used to enable a computer to execute the method steps described in the bank staff identity verification method.

[0015] The present invention provides a bank staff identity verification system, comprising: an identity verification module, a bank staff module and a bank customer module; the identity verification module is connected to the bank staff module and the bank customer module respectively; a customer access task is submitted through the bank staff module, and then the bank staff identity and task are verified online through the identity verification module, and after the verification is completed, the verification information is sent to the bank customer module; the bank customer module determines the authenticity of the visiting staff according to the bank staff information; the system integrates existing resources such as commercial bank employee channels and customer channels with the help of Internet technology, adopts the "application-approval-release-verification" model, and verifies the bank staff identity and task online; the difficulty of customer identity verification is greatly reduced, and the behavior of illegal elements altering and forging bank staff work certificates and impersonating bank employees to commit financial fraud is effectively prevented.

[0016] The present invention also provides a bank staff identity verification method. Since this method solves the same technical problem as the bank staff identity verification system, belongs to the same technical concept, and should have the same beneficial effects, it will not be repeated here. BRIEF DESCRIPTION OF THE DRAWINGS

[0017] In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the drawings required for use in the embodiments or the description of the prior art will be briefly introduced below. Obviously, the drawings described below are only some embodiments recorded in the present application. For ordinary technicians in this field, other drawings can be obtained based on these drawings without paying creative work.

[0018] Figure 1 A schematic diagram of the structure of a bank staff identity verification system provided in an embodiment of the present application; Figure 2 A schematic diagram of the structure of another bank staff identity verification system provided in an embodiment of the present application; Figure 3 A flow chart of a bank staff identity verification method provided in an embodiment of the present application; Figure 4 A schematic diagram of the structure of an electronic device provided in an embodiment of the present application. DETAILED DESCRIPTION

[0019] In order to enable those skilled in the art to better understand the technical solutions in this application, the technical solutions in the embodiments of this application will be clearly and completely described below. Obviously, the described embodiments are only part of the embodiments of this application, not all of them. Based on the embodiments in this application, all other embodiments obtained by ordinary technicians in this field without creative work are within the scope of protection of this application.

[0020] It should be noted that when an element is referred to as being "fixed on" or "set on" another element, it can be directly on the other element or indirectly set on the other element; when an element is referred to as being "connected to" another element, it can be directly connected to the other element or indirectly connected to the other element.

[0021] It should be understood that the terms "length", "width", "up", "down", "front", "back", "left", "right", "vertical", "horizontal", "top", "bottom", "inside", "outside", etc., indicating the orientation or position relationship, are based on the orientation or position relationship shown in the drawings, and are only for the convenience of describing the present application and simplifying the description, and do not indicate or imply that the device or element referred to must have a specific orientation, be constructed and operated in a specific orientation, and therefore should not be understood as a limitation on the present application.

[0022] In addition, the terms "first" and "second" are used for descriptive purposes only and should not be understood as indicating or implying relative importance or implicitly indicating the number of technical features indicated. Therefore, a feature defined as "first" or "second" may explicitly or implicitly include one or more of the features. In the description of this application, "multiple" and "several" mean two or more, unless otherwise clearly and specifically defined.

[0023] It should be noted that the structures, proportions, sizes, etc. illustrated in the drawings of this specification are only used to match the contents disclosed in the specification for people familiar with this technology to understand and read, and are not used to limit the conditions under which this application can be implemented. Therefore, they have no substantive technical significance. Any structural modification, change in proportional relationship or adjustment of size should still fall within the scope of the technical content disclosed in this application without affecting the effects and purposes that can be achieved by this application.

[0024] like Figure 1 to Figure 2 As shown, the embodiment of the present invention provides a bank staff identity verification system, including: an identity verification module 1, a bank employee module 2 and a bank customer module 3; The identity verification module 1 is connected to the bank employee module 2 and the bank customer module 3 respectively; The identity verification module 1 is used to verify the identity and tasks of bank staff online; The bank staff module 2 is used to submit customer access tasks; The bank customer module 3 is used to determine the authenticity of the visiting staff according to the bank staff information.

[0025] In actual application, bank employees submit customer visit task applications through the bank employee module in the bank's employee channel system; the identity verification module associates and integrates customer visit task applications; and approves customer visit task applications; after approval, the bank staff information is sent to the bank customer module; when contacting customers, the bank staff actively displays the bank staff information to the customers, and the customers judge the authenticity of the visiting staff based on the bank staff information and decide whether to cooperate with the visit.

[0026] Preferably, the identity verification module 1 specifically includes: an information association submodule 11, a task approval submodule 12, a task release submodule 13 and an authorization code verification submodule 14; The task approval submodule 12 is connected to the information association submodule 11 and the task issuing submodule 13 respectively; The task issuing submodule 13 is connected to the authorization code verifying submodule 14; The information association submodule 11 is used to associate employee information, customer information and task information; The task approval submodule 12 is used to approve the task information associated with the information association submodule 11, generate an authorization verification code after approval, and add the approved task information to the approved task list; The task publishing submodule 13 is used to publish the approved task list; The authorization code verification submodule 14 is used to verify the authorization verification code.

[0027] In actual application, the identity verification module sets up an information association submodule, a task approval submodule, a task release submodule and an authorization code verification submodule; the task approval submodule is connected to the information association submodule and the task release submodule respectively; the task release submodule is connected to the authorization code verification submodule; the employee information, customer information and task information in the customer access task application are associated and integrated through the information association submodule, and then sent to the task approval submodule; the task approval submodule approves the task information associated with the information association submodule, generates an authorization verification code after approval, and adds the approved task information to the approved task list, and then the task release submodule releases the approved task list; the authorization code verification submodule verifies the authorization verification code and returns the verification result.

[0028] Preferably, the bank employee module 2 specifically includes: a task application submission submodule 21 and an authorization code acquisition submodule 22; The task application submission submodule 21 is connected to the information association submodule 11; The obtaining authorization code submodule 22 is connected to the task approval submodule 12; The task application submission submodule 21 is used to submit a customer access task application and send it to the information association submodule; The authorization code acquisition submodule 22 is used to acquire the authorization verification code generated by the task approval submodule 12 .

[0029] In actual application, the bank employee module is equipped with a task application submission submodule and an authorization code acquisition submodule; the task application submission submodule is connected with the information association submodule; the authorization code acquisition submodule is connected with the task approval submodule; bank staff submits customer access task applications through the task application submission submodule, and then the task application submission submodule sends the customer access task application to the information association submodule; the authorization code acquisition submodule acquires the authorization verification code generated by the task approval submodule, and the bank staff actively displays the authorization verification code to the customer when contacting the customer.

[0030] Preferably, the bank customer module 3 specifically comprises: a receiving submodule 31 and a verifying submodule 32; The receiving submodule 31 is connected to the task approval submodule 12; The verification submodule 32 is connected to the authorization code verification submodule 14; The receiving submodule 31 is used to receive the visit notification message sent by the task approval submodule 12, wherein the visit notification message includes the authorization verification code; The verification submodule 32 is used to verify the identity and task authenticity of the bank staff in the bank's official customer channel according to the authorization verification code.

[0031] During actual application, the bank customer module is provided with a receiving submodule and a verifying submodule; the receiving submodule is connected to the task approval submodule; the verifying submodule is connected to the authorization code verification submodule; if a bank staff member specifies a customer in the customer access task application submitted by the bank staff, the receiving submodule will receive a visit notification message sent by the task approval submodule, wherein the visit notification message includes the authorization verification code; the verification submodule verifies the identity of the bank staff member and the authenticity of the task through the bank's official customer channel according to the authorization verification code; the bank and the customer realize two-way verification of the identity of the bank staff member, and effectively prevent the criminals from altering and forging the work credentials of the bank staff member and impersonating the bank employee to commit financial fraud.

[0032] like Figure 3 As shown, the embodiment of the present invention also provides a bank staff identity verification method, comprising the following steps: S1. Bank staff submits customer access task applications through employee channels; S2. Integrate and approve the client's access task application to obtain an authorization verification code; S3. Verify the identity of the bank employee based on the authorization verification code.

[0033] In steps S1 to S3, the bank employee submits a customer access task application; then, according to the customer access task application, the employee information, customer information and task details in the application are associated; then, the task application is approved to obtain an authorization verification code, and the authorization verification code and the task application are released; when the bank staff contacts the customer, they actively show the authorization verification code to the customer, and the customer verifies the identity of the bank staff and the authenticity of the task based on the authorization verification code, so as to judge the authenticity of the staff and decide whether to cooperate with the visit; this method uses Internet technology to integrate existing resources such as commercial bank employee channels and customer channels, and adopts the "application-approval-release-verification" model to verify the identity and tasks of bank staff online; it greatly reduces the difficulty of customer identity verification, and effectively prevents criminals from altering and forging bank staff work certificates and impersonating bank employees to commit financial fraud.

[0034] Preferably, the integration and approval according to the customer access task application to obtain the authorization verification code specifically includes: Associating the employee information, customer information and task information in the customer access task application; The associated customer access task application is reviewed.

[0035] In actual application, the employee information, customer information and task information in the customer access task application are associated, and then the authorized approver approves the customer access task application; the information association in this embodiment is that when the task is created, it includes the employee information who executes the task and the customer information to be served. This association relationship is actively established when the task is created by entering information.

[0036] Preferably, the reviewing of the associated customer access task application specifically includes: Review the associated customer access task application: If the review is passed, an authorization verification code will be generated and fed back to the applicant and the designated customer.

[0037] In actual application, after the customer visit task application is approved, an authorization verification code is generated and fed back to the applicant, and the task is added to the approved task list; if the customer visit task has a designated customer, a visit notification message will also be pushed to the customer, where the visit notification message includes the authorization verification code; the authorization verification code of this embodiment is that after the task application is approved, the system will automatically generate an 8-digit verification code for the task that is unique within the validity period. The verification code only contains numbers and letters and has a one-to-one unique correspondence with the task. The customer can verify the authenticity of the service task and the visiting employee based on the verification code.

[0038] Preferably, the bank employee identity verification according to the authorization verification code specifically includes: The customer verifies the identity and authenticity of the bank staff member's task through the bank's official customer channel based on the authorization verification code; After verifying that the authorization verification code is correct, the identity verification module feeds back the bank staff's identity and task details to the customer; Among them, the bank’s official customer channels include mobile banking and online banking.

[0039] In actual use, customers verify the identity and task authenticity of bank staff through the bank's official customer channels (mobile banking and online banking) based on the authorization verification code they receive. At the same time, after verifying that the authorization verification code is correct, the identity verification module will feedback the bank staff's identity and task details to the customer. Customers can judge the authenticity of the staff based on the displayed staff photo and task details and decide whether to cooperate with the visit. Through two-way review by the bank and the customer, the difficulty of identity verification for customers is greatly reduced, effectively preventing criminals from altering or forging bank staff's work credentials and impersonating bank employees to commit financial fraud.

[0040] Furthermore, the present application also discloses an electronic device. Figure 4 This is a structural diagram of an electronic device 20 according to an exemplary embodiment. The content in the diagram cannot be regarded as any limitation on the scope of use of the present application.

[0041] Figure 4 The present invention provides a schematic diagram of the structure of an electronic device 20 provided in an embodiment of the present application. The electronic device 20 may specifically include: at least one processor 21, at least one memory 22, a power supply 23, a communication interface 24, an input / output interface 25, and a communication bus 26. The memory 22 is used to store a computer program, which is loaded and executed by the processor 21 to implement the relevant steps in the bank staff identity verification method disclosed in any of the aforementioned embodiments. In addition, the electronic device 20 in this embodiment may specifically be an electronic computer.

[0042] In this embodiment, the power supply 23 is used to provide working voltage for each hardware device on the electronic device 20; the communication interface 24 can create a data transmission channel between the electronic device 20 and the external device, and the communication protocol it follows is any communication protocol that can be applied to the technical solution of the present application, and is not specifically limited here; the input and output interface 25 is used to obtain external input data or output data to the outside world, and its specific interface type can be selected according to specific application needs and is not specifically limited here.

[0043] In addition, the memory 22, as a carrier for storing resources, can be a read-only memory, a random access memory, a disk or an optical disk, etc. The resources stored thereon may include an operating system 221, a computer program 222 and data 223, etc. The storage method can be temporary storage or permanent storage. Among them, the operating system 221 is used to manage and control the hardware devices and computer programs 222 on the electronic device 20 to realize the operation and processing of the data 223 in the memory 22 by the processor 21, which can be Windows Server, Netware, Unix, Linux, etc. In addition to including a computer program that can be used to complete the bank staff identity verification method performed by the electronic device 20 disclosed in any of the aforementioned embodiments, the computer program 222 can further include a computer program that can be used to complete other specific tasks. In addition to data transmitted from an external device received by the bank staff identity verification device, the data 223 can also include data collected by its own input and output interface 25, etc.

[0044] The steps of the method or algorithm described in conjunction with the embodiments disclosed herein may be implemented directly using hardware, a software module executed by a processor, or a combination of the two. The software module may be placed in a random access memory (RAM), a memory, a read-only memory (ROM), an electrically programmable ROM, an electrically erasable programmable ROM, a register, a hard disk, a removable disk, a CD-ROM, or any other form of storage medium known in the art.

[0045] Furthermore, the present application also discloses a computer-readable storage medium for storing a computer program; wherein, when the computer program is executed by a processor, the bank staff identity verification method disclosed above is implemented. The specific steps of the method can refer to the corresponding contents disclosed in the above embodiments, and will not be repeated here.

[0046] In this specification, each embodiment is described in a progressive manner, and each embodiment focuses on the differences from other embodiments. The same or similar parts between the embodiments can be referred to each other. For the device disclosed in the embodiment, since it corresponds to the method disclosed in the embodiment, the description is relatively simple, and the relevant parts can be referred to the method part.

[0047] Professionals may further appreciate that the units and algorithm steps of each example described in conjunction with the embodiments disclosed herein can be implemented in electronic hardware, computer software, or a combination of the two. In order to clearly illustrate the interchangeability of hardware and software, the composition and steps of each example have been generally described in the above description according to function. Whether these functions are performed in hardware or software depends on the specific application and design constraints of the technical solution. Professionals and technicians may use different methods to implement the described functions for each specific application, but such implementation should not be considered to be beyond the scope of this application.

[0048] Finally, it should be noted that, in this article, relational terms such as first and second, etc. are only used to distinguish one entity or operation from another entity or operation, and do not necessarily require or imply any such actual relationship or order between these entities or operations. Moreover, the terms "include", "comprise" or any other variants thereof are intended to cover non-exclusive inclusion, so that a process, method, article or device including a series of elements includes not only those elements, but also other elements not explicitly listed, or also includes elements inherent to such process, method, article or device. In the absence of further restrictions, the elements defined by the sentence "comprise a ..." do not exclude the presence of other identical elements in the process, method, article or device including the elements.

[0049] If a flow chart is used in the present application, the flow chart is used to illustrate the operations performed by the system according to the embodiment of the present application. It should be understood that the preceding or following operations are not necessarily performed accurately in order. On the contrary, each step can be processed in reverse order or simultaneously. At the same time, other operations can also be added to these processes, or a certain step or several steps of operations can be removed from these processes.

[0050] The above description of the disclosed embodiments enables one skilled in the art to implement or use the present invention. Various modifications to these embodiments will be apparent to one skilled in the art, and the general principles defined herein may be implemented in other embodiments without departing from the spirit or scope of the present invention. Therefore, the present invention will not be limited to the embodiments shown herein, but rather to the widest scope consistent with the principles and novel features disclosed herein.

Claims

1. A bank staff identity verification system, characterized in that: include: Identity verification module, bank employee module and bank customer module; The identity verification module is connected to the bank employee module and the bank customer module respectively; The identity verification module is used to verify the identity and tasks of bank staff online; The bank staff module is used to submit customer access tasks; The bank customer module is used to determine the authenticity of the visiting staff based on the bank staff information.

2. The bank staff identity verification system according to claim 1, characterized in that: The identity verification module specifically includes: an information association submodule, a task approval submodule, a task release submodule and an authorization code verification submodule; The task approval submodule is connected to the information association submodule and the task issuing submodule respectively; The task issuing submodule is connected to the authorization code verifying submodule; The information association submodule is used to associate employee information, customer information and task information; The task approval submodule is used to approve the task information associated with the information association submodule, generate an authorization verification code after approval, and add the approved task information to the approved task list; The task publishing submodule is used to publish the approved task list; The authorization code verification submodule is used to verify the authorization verification code.

3. The bank staff identity verification system according to claim 2, characterized in that: The bank employee module specifically includes: a task application submission submodule and an authorization code acquisition submodule; The task application submission submodule is connected to the information association submodule; The obtaining authorization code submodule is connected to the task approval submodule; The task application submission submodule is used to submit a customer access task application and send it to the information association submodule; The authorization code acquisition submodule is used to acquire the authorization verification code generated by the task approval submodule.

4. The bank staff identity verification system according to claim 2, characterized in that: The bank customer module specifically includes: a receiving submodule and a verifying submodule; The receiving submodule is connected to the task approval submodule; The verification submodule is connected to the authorization code verification submodule; The receiving submodule is used to receive the visit notification message sent by the task approval submodule, wherein the visit notification message includes the authorization verification code; The verification submodule is used to verify the identity and task authenticity of bank staff in the bank's official customer channel based on the authorization verification code.

5. A method for verifying the identity of a bank staff member, characterized in that: The steps include: Bank staff submit customer visit task applications through employee channels; Integrate and approve the client's access task application to obtain an authorization verification code; The bank employee's identity is verified based on the authorization verification code.

6. The bank staff identity verification method according to claim 5, characterized in that: The integration and approval according to the customer access task application to obtain the authorization verification code specifically includes: Associating the employee information, customer information and task information in the customer access task application; The associated customer access task application is reviewed.

7. The bank staff identity verification method according to claim 6, characterized in that: The review of the associated customer access task application specifically includes: Review the associated customer access task application: If the review is passed, an authorization verification code will be generated and fed back to the applicant and the designated customer.

8. The bank staff identity verification method according to claim 5, characterized in that: The bank employee identity verification according to the authorization verification code specifically includes: The customer verifies the identity and authenticity of the bank staff member's task through the bank's official customer channel based on the authorization verification code; After verifying that the authorization verification code is correct, the identity verification module feeds back the bank staff's identity and task details to the customer; Among them, the bank’s official customer channels include mobile banking and online banking.

9. An electronic device, characterized in that: include: at least one processor; as well as A memory communicatively connected to the at least one processor, the memory storing a computer program executable by the at least one processor, the computer program being executed by the at least one processor so that the at least one processor can execute the method of any one of claims 5 to 8.

10. A computer-readable storage medium, characterized in that: The storage medium is used to store a computer program, and the computer program is used to enable a computer to execute the method according to any one of claims 5 to 8.

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