Bank information security verification method

Abstract

The invention relates to a bank information security verification method, which comprises the following steps of: during account opening, acquiring identity information carried by an identity document held by an account opening person through a man-machine interaction system; acquiring image information of an account opening person through a camera device; calling pre-stored photo information in a household registration corresponding to the identity document through the Internet; comparing the image information of the account opening person with pre-stored photo information in a household registration corresponding to the identity document; when the comparison information is consistent, bank card information and a user password are collected and pre-stored in a user account directory of a bank database, and meanwhile, image information of an account opening person is obtained through a camera and also stored in the user account directory; and when the comparison information is inconsistent, refusing the account opening request of the account opening person. When an account is opened, the pre-stored photo information in the household registration corresponding to the identity document can be called and compared with the image information obtained on site, it can be ensured that an account opening person and an identity document holder are the same person, and the phenomenon that the account is opened by masquerading is avoided.

Description

Technical Field

[0001] The invention relates to a bank information security verification method and belongs to the field of bank information security. Background Art

[0002] The reason why fraud cases are endless and the victims' money is difficult to recover is largely because the fraudsters hold many bank cards that are not opened by themselves. The reason for this problem is largely related to the lax supervision of account opening. When opening an account, no comparison is made to ensure that the person holding the identity information is the person himself. At the same time, bank card fraud and cash theft are also closely related to the failure to confirm whether the cardholder is the account holder when handling the business. In order to ensure the safety of funds, it is necessary to develop a verification method to ensure the security of bank information. Summary of the invention

[0003] The object of the present invention is to provide a bank information security verification method to ensure that the account holder and the identity document holder are the same person.

[0004] In order to solve the above problems, the bank information security verification method involved in the present invention adopts the following technical solution: A bank information security verification method, characterized in that it includes the following steps:

[0005] A. When opening an account, the identity information carried by the account holder's ID card is collected through the human-computer interaction system;

[0006] B. Obtain the image information of the account holder through a camera device;

[0007] C. Retrieve the pre-stored photo information in the household registration corresponding to the identity document through the Internet;

[0008] D. Compare the image information of the account holder with the pre-stored photo information in the household register corresponding to the ID card;

[0009] E. When the compared information is consistent, collect the bank card information and user password and store them in the user account directory of the bank database. At the same time, use the camera to obtain the image information of the account holder and store it in the user account directory;

[0010] F. When the compared information is inconsistent, the account opening request of the account holder will be rejected.

[0011] When opening an account, the signature information of the account holder is obtained through the electronic signature screen and stored in the user account directory.

[0012] When verifying the password, the computer system obtains the user name and account number by scanning the bank card. At the same time, it obtains the password through the password input device and retrieves the password stored in advance when opening the account for comparison. If the passwords are consistent, the cardholder's business processing request is accepted.

[0013] During image verification, the computer system obtains the cardholder's image information through a camera device, and at the same time retrieves the image information of the account holder pre-stored when the account was opened for comparison. If the comparison is consistent, the cardholder's business processing request is accepted.

[0014] During signature verification, the computer system obtains the cardholder's signature information through the electronic signature screen, and at the same time retrieves the account holder's signature information pre-stored when the account was opened for comparison. If the comparison is consistent, the cardholder's business processing request is accepted.

[0015] When opening an account, the account holder's mobile phone number is reserved, and when handling business, notification information is sent to the reserved mobile phone number.

[0016] When opening an account, the present invention will retrieve the pre-stored photo information in the household registration corresponding to the identity document and compare it with the image information obtained on site, which can ensure that the account opener and the identity document holder are the same person, avoiding the occurrence of account opening under a false name.

[0017] During image verification, the image information obtained on site is compared with the image information stored in advance when the account is opened to ensure that the card user and the account opener, that is, the person corresponding to the identity document, are consistent, completely solving the problem of bank card fraud and theft of money in the bank card. BRIEF DESCRIPTION OF THE DRAWINGS

[0018] In order to more clearly illustrate the technical solution of the embodiment of the present invention, the following is a brief introduction to the drawings required for use in the embodiment:

[0019] Figure 1 It is a schematic diagram of the present invention. DETAILED DESCRIPTION

[0020] In order to make the technical purpose, technical solution and beneficial effects of the present invention clearer, the technical solution of the present invention is further described below in conjunction with the drawings and specific embodiments. It should be understood that the specific embodiments described herein are only used to explain the present invention and are not used to limit the present invention, that is, the described embodiments are only part of the embodiments of the present invention, not all of the embodiments. Generally, the components of the embodiments of the present invention described and shown in the drawings herein can be arranged and designed in various different configurations.

[0021] The specific embodiment of the bank information security verification method involved in the present invention is Figure 1 The following steps are included:

[0022] When opening an account, the identity information carried on the identification document held by the account opener is collected through the human-computer interaction system; the human-computer interaction system here includes a program page set up on the computer, and a scanning system for external information input, and the information obtained is the identification card number information.

[0023] Acquire the image information of the account holder through a camera device, where the image information is a photo with facial features;

[0024] Based on the ID card number information obtained, retrieve the pre-stored photo information in the household registration corresponding to the ID card through the Internet;

[0025] Compare the image information of the account holder obtained on-site by the camera device with the pre-stored photo information in the household register corresponding to the identity document;

[0026] When the information is consistent, the bank card information and user password are collected and stored in the user account directory of the bank database. At the same time, the image information of the account holder is obtained by using the camera and also stored in the user account directory;

[0027] When the compared information is inconsistent, the account opening request of the account holder will be rejected.

[0028] Furthermore, when opening an account, the signature information of the account holder is obtained through the electronic signature screen and stored in the user account directory.

[0029] Furthermore, when opening an account, the fingerprint information of the account holder can be collected through a fingerprint collection device and stored in the user account directory.

[0030] When verifying the password, the computer system obtains the user name and account number by scanning the bank card. At the same time, it obtains the password through the password input device and retrieves the password stored in advance when opening the account for comparison. If the passwords are consistent, the cardholder's business processing request is accepted.

[0031] During image verification, the computer system obtains the cardholder's image information through a camera device, and at the same time retrieves the image information of the account holder pre-stored when the account was opened for comparison. If the comparison is consistent, the cardholder's business processing request is accepted.

[0032] During signature verification, the computer system obtains the cardholder's signature information through the electronic signature screen, and at the same time retrieves the account holder's signature information pre-stored when the account was opened for comparison. If the comparison is consistent, the cardholder's business processing request is accepted.

[0033] During fingerprint verification, the computer system obtains the cardholder's fingerprint information through the fingerprint collection device, and at the same time retrieves the account holder's fingerprint information stored when the account was opened for comparison. If the comparison is consistent, the cardholder's business processing request is accepted.

[0034] Furthermore, when opening an account, the account holder's mobile phone number is reserved, and when handling business, notification information is sent to the reserved mobile phone number.

[0035] When opening an account, the account holder can set the corresponding verification method according to the business level.

[0036] The banking system may also use different verification methods according to the security level and terminal protocols of each bank card.

[0037] Finally, it should be noted that the above embodiments are only used to illustrate but not limit the technical solutions of the present invention, and any equivalent substitutions of the present invention and any modifications or partial substitutions that do not depart from the spirit and scope of the present invention should be included in the scope of protection of the claims of the present invention.

Claims

1. A bank information security verification method, characterized in that: The steps include: A. When opening an account, the identity information carried by the account holder's ID card is collected through the human-computer interaction system; B. Obtain the image information of the account holder through a camera device; C. Retrieve the pre-stored photo information in the household registration corresponding to the identity document through the Internet; D. Compare the image information of the account holder with the pre-stored photo information in the household register corresponding to the ID card; E. When the compared information is consistent, collect the bank card information and user password and store them in the user account directory of the bank database. At the same time, use the camera to obtain the image information of the account holder and store it in the user account directory; F. When the compared information is inconsistent, the account opening request of the account holder will be rejected.

2. The bank information security verification method according to claim 1, characterized in that: When opening an account, the signature information of the account holder is obtained through the electronic signature screen and stored in the user account directory.

3. The bank information security verification method according to claim 1, characterized in that: When verifying the password, the computer system obtains the user name and account number by scanning the bank card. At the same time, it obtains the password through the password input device and retrieves the password stored in advance when opening the account for comparison. If the passwords are consistent, the cardholder's business processing request is accepted.

4. The bank information security verification method according to claim 1, characterized in that: During image verification, the computer system obtains the cardholder's image information through a camera device, and at the same time retrieves the image information of the account holder pre-stored when the account was opened for comparison. If the comparison is consistent, the cardholder's business processing request is accepted.

5. The bank information security verification method according to claim 2, characterized in that: During signature verification, the computer system obtains the cardholder's signature information through the electronic signature screen, and at the same time retrieves the account holder's signature information pre-stored when the account was opened for comparison. If the comparison is consistent, the cardholder's business processing request is accepted.

6. The bank information security verification method according to any one of claims 1 to 5, characterized in that: When opening an account, the account holder's mobile phone number is reserved, and when handling business, notification information is sent to the reserved mobile phone number.

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