CN101853476B - A kind of financial circles automatic network verification system of customer identity and method - Google Patents

A kind of financial circles automatic network verification system of customer identity and method Download PDF

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Publication number
CN101853476B
CN101853476B CN201010174953.1A CN201010174953A CN101853476B CN 101853476 B CN101853476 B CN 101853476B CN 201010174953 A CN201010174953 A CN 201010174953A CN 101853476 B CN101853476 B CN 101853476B
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client identity
query task
client
processing server
identity query
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CN101853476A (en
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徐涛
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Ningbo New & Hi-Tech Development Zone Yushan Technology Co Ltd
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Ningbo New & Hi-Tech Development Zone Yushan Technology Co Ltd
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Abstract

The present invention relates to a kind of financial circles automatic network verification system of customer identity and check method, this system comprises financial circles client terminal client identity information inquiry system, the People's Bank's message switching platform, Ministry of Public Security's resident identity information shared platform, it is characterized in that: described financial circles client terminal client identity information inquiry system also comprises one for depositing the local data base of the Query Result of all client identity query tasks passed back from described the People's Bank message switching platform, and this local data base is connected with described client identity query task processing server.Compared with prior art, the invention has the advantages that: the response speed that client identity query task processing server process client identity query task can be provided greatly.

Description

A kind of financial circles automatic network verification system of customer identity and method
Technical field
The present invention relates to a kind of financial circles automatic network verification system of customer identity and check method.
Background technology
The regulation of " People's Republic of China's money-laundering law " formulated according to People's Bank of China, China Banking Regulatory Commission (CBRS), China Securities Regulatory Commission and China Insurance Regulatory Commission and " financial institution users identification and customer identification information and transaction record preserve management method ", financial industry will implement transaction system of real name, identity online checking to be carried out to operations such as financial client new account, block trades, hit the illegal activities such as tax evasion, corruption, financial swindling, money laundering from source.
The identification of current financial industry mainly passes through artificial cognition, it is all use traditional approach to preserve that information stores, unified system is not had to carry out identification management, the practitioner that is correlated with when identification is handled in addition does not perform in strict accordance with system, some people handles miscellaneous service with false identity, so just there is following many potential safety hazards, therefore a kind of system financial circles client terminal can being carried out networking by network and Ministry of Public Security's resident identity information shared platform is developed, thus make financial circles client terminal by client identity information being submitted to during network implementation Ministry of Public Security's resident identity information shared platform inquiry, thus obtain real-time query result, such as publication number is that the Chinese invention patent of CN101373549 (application number is: 200720147514.X) discloses a kind of like this system solving I.D. identification and online checking based on financial ATM production service terminal, it comprises multiple financial circles client terminal client identity information inquiry system, financial circles client terminal client identity information inquiry system generally comprises character entry terminal and China second-generation identity card reading terminal and image input terminal, financial circles client terminal client identity information inquiry system is verified front-end system by network with head office of commercial bank and is connected, head office of commercial bank is verified front-end system and is connected with the People's Bank message switching platform by network, the People's Bank's message switching platform is connected with Ministry of Public Security information sharing platform by networking again.
In said system, client identity query task all must be sent to the People's Bank's message switching platform by financial circles client terminal client identity information inquiry system by each client identity query task, be transmitted to Ministry of Public Security's resident identity information shared platform again to inquire about, Query Result is forwarded back to financial circles client terminal client identity information inquiry system by the People's Bank's message switching platform again; Along with the progressively specification of banking, online checking except opening an account, report the loss, except enchashment, also add the checking items such as wholesale cash withdrawal, unblock, verify frequency more and more higher, therefore inquiry system needs mass disposal query task, and existing system is when the query task that these quantity of process are loaded down with trivial details, be easy to occur network blockage, custom queueing just may be caused to wait, cause client to be discontented with, and bring certain negative effect to financial circles client terminal.And once financial circles client terminal client identity information inquiry system can not be networked, or abnormality appears in the network between the People's Bank's message switching platform and Ministry of Public Security's resident identity information shared platform, client identity query task can be caused not process in time.
Summary of the invention
First technical matters to be solved by this invention provides a kind of query task processing speed financial circles automatic network verification system of customer identity faster for above-mentioned prior art.
Second technical matters to be solved by this invention is to provide the check method of a kind of query task processing speed financial circles automatic network verification system of customer identity faster.
The present invention solves the technical scheme that above-mentioned first technical matters adopt: this financial circles automatic network verification system of customer identity, comprises
Financial circles client terminal client identity information inquiry system, this financial circles client terminal client identity information inquiry system comprises client identity information acquisition terminal and client identity query task processing server;
The People's Bank's message switching platform, described client identity query task processing server is connected with described the People's Bank message switching platform by network, described the People's Bank message switching platform receives the client identity query task that described client identity query task processing server sends, and passes the Query Result of client identity query task back described client identity query task processing server by network;
Ministry of Public Security's resident identity information shared platform, described the People's Bank message switching platform is connected with Ministry of Public Security resident identity information shared platform by network, described Ministry of Public Security resident identity information shared platform receives the client identity query task that described the People's Bank message switching platform forwards, and passes the Query Result of client identity query task back the People's Bank message switching platform by network;
It is characterized in that: described financial circles client terminal client identity information inquiry system also comprises one for depositing the local data base of the Query Result of all client identity query tasks passed back from described the People's Bank message switching platform, and this local data base is connected with described client identity query task processing server.
Preferably, described client identity information acquisition terminal has multiple, and client identity query task is sent to described client identity query task processing server by XON/XOFF by multiple client identity information acquisition terminal; Client identity query task is sent to the People's Bank's message switching platform by synchronous transmission agreement by described client identity query task processing server.Because client identity information acquisition terminal and client identity query task processing server are generally in same bank Intranet, and client identity query task processing server is generally belong to the different network segments from the People's Bank message switching platform, so client identity query task is sent to client identity query task processing server by XON/XOFF by client identity information acquisition terminal, client identity query task is sent to the People's Bank's message switching platform by synchronous transmission agreement by client identity query task processing server, Internet resources can be utilized preferably, thus improve the processing speed of client identity query task.
The present invention solves the technical scheme that above-mentioned second technical matters adopt: the check method of above-mentioned financial circles automatic network verification system of customer identity, is realized by following steps
Step one, client identity information acquisition terminal gather client identity information, and the client identity information of collection are made client identity query task and send to client identity query task processing server;
The client identity query task of reception is successively sent to the People's Bank's message switching platform according to time order and function order by step 2, client identity query task processing server successively;
The client identity query task of reception is also successively sent to Ministry of Public Security's resident identity information shared platform according to time order and function order by step 3, the People's Bank's message switching platform successively;
After step 4, Ministry of Public Security's resident identity information shared platform receive client identity query task, verification is carried out to client identity and checks, and pass the Query Result of client identity query task back the People's Bank message switching platform;
Step 5, the People's Bank's message switching platform pass the Query Result of the client identity query task of reception back client identity query task processing server again;
Step 6, client identity query task processing server pass the Query Result of the client identity query task of reception back client identity information acquisition terminal again, simultaneously also by the Query Result of client identity query task stored in local data base.
In described step 2, described client identity query task processing server is after receiving client identity query task, first verify at local data base, if preserved the Query Result of this client identity query task in local data base, then directly when the Query Result of this client identity query task recalls, and pass client identity information acquisition terminal back, and no longer sent to by this client identity query task the People's Bank's message switching platform to carry out switching inquiry; If do not preserve the Query Result of this client identity query task in local data base, then this client identity query task is sent to the People's Bank's message switching platform.
Above-mentioned way, can alleviate the Processing tasks amount of client identity query task processing server greatly, greatly can also provide the response speed of client identity query task processing server process query task simultaneously.
Certainly, a kind of way is in addition, in described step 2, described client identity query task processing server is after receiving client identity query task, first the network connection state between client identity query task processing server and the People's Bank's message switching platform is checked, if network connection state is in idle condition, directly this client identity query task is sent to the People's Bank's message switching platform; If network connection state is in congestion state, then described client identity query task processing server is verified at local data base, if preserved the Query Result of this client identity query task in local data base, then directly when the Query Result of this client identity query task recalls, and pass client identity information acquisition terminal back; If do not preserve the Query Result of this client identity query task in local data base, then after treating the network state free time, then this client identity query task sends to the People's Bank's message switching platform.
Like this, while guarantee query task response speed, better can also ensure that the Query Result of each client identity query task is up-to-date data.
Preferably, in described step 6, if newly stored in the Query Result of client identity query task exist in the local database, then the Query Result of existing client identity query task is replaced to the Query Result of up-to-date client identity query task.
As improvement, described client identity query task processing server has protocol conversion module, in described step one, after the client identity information of collection is made client identity query task by client identity information acquisition terminal, client identity query task processing server is sent to by XON/XOFF, the client identity query task that XON/XOFF is sended over by protocol conversion module by described client identity query task processing server converts synchrodata to, then the client identity query task converting synchrodata to is sent to the People's Bank's message switching platform by synchronous transmission agreement by described client identity query task processing server again, the People's Bank's message switching platform passes the Query Result of client identity query task back client identity query task processing server by synchronous transmission agreement, after client identity query task processing server converts asynchronous data to by the client identity query task that synchronous transmission agreement sends over by protocol conversion module, then pass the Query Result of client identity query task back family identity information acquisition terminal by XON/XOFF.
Like this, client identity query task processing server passes through protocol conversion module, by excessive for the smoothing conversion of data of XON/XOFF and synchronous transmission agreement, the conventional network resources of system can be taken full advantage of, further improves the response speed of system process query task.
Compared with prior art, the invention has the advantages that:
1, by arranging one for depositing the local data base of the Query Result of all client identity query tasks passed back from described the People's Bank message switching platform in financial circles client terminal client identity information inquiry system, when client identity query task processing server is after receiving client identity query task, can first verify at local data base, if preserved the Query Result of this client identity query task in local data base, then directly when the Query Result of this client identity query task recalls, and pass client identity information acquisition terminal back, and no longer sent to by this client identity query task the People's Bank's message switching platform to carry out switching inquiry, the response speed of client identity query task processing server process client identity query task can be provided so greatly,
2, in addition, under the state that network condition is good, client identity query task processing server directly can will receive client identity query task and be transmitted to the People's Bank's message switching platform and verify, thus better can ensure that the Query Result of client identity query task in local data base is latest data;
3, client identity query task processing server arranges protocol conversion module, can by excessive for the smoothing conversion of data of XON/XOFF and synchronous transmission agreement, take full advantage of the conventional network resources of system, further improve the response speed of system process query task.
Accompanying drawing explanation
Fig. 1 is the structured flowchart of financial circles automatic network verification system of customer identity in the embodiment of the present invention;
Fig. 2 is the check method process flow diagram of financial circles automatic network verification system of customer identity in the embodiment of the present invention;
Fig. 3 is client identity query task processing server the first optional process flow figure when processing client identity query task in the embodiment of the present invention;
Fig. 4 is the second optional process flow figure of client identity query task processing server when processing client identity query task in the embodiment of the present invention.
Embodiment
Below in conjunction with accompanying drawing embodiment, the present invention is described in further detail.
The present invention provide firstly a kind of financial circles automatic network verification system of customer identity, and refer to shown in Fig. 1, it comprises
Multiple financial circles client terminal client identity information inquiry system 1-1,1-2 ... 1-n, the local data base that this financial circles client terminal client identity information inquiry system comprises client identity information acquisition terminal, client identity query task processing server and is connected with client identity query task processing server, client identity information acquisition terminal character entry terminal and image input terminal, character entry terminal is mainly for a generation ID, directly by information such as the character entry terminal input name of client and ID (identity number) card No., image input terminal is generally connected with second-generation ID card reader, be provided with in described image input terminal and identify decoding platforms for the unified of identity information read in the storer of second-generation ID card reader, the domestic main flow card reader of unified identification decoding platforms energy Direct Recognition, cross over the hardware interface that different manufacturers is different, achieve hardware plug and play, improve the recycling of financial institution's hardware resource, and implement and there is conveniently advantage, local data base is the Query Result for depositing all client identity query tasks passed back from described the People's Bank message switching platform, and Query Result generally comprises the name of client identity, ID (identity number) card No. and photo, client identity information acquisition terminal is, by XON/XOFF, client identity query task is sent to described client identity query task processing server, client identity query task processing server adopts MQ server,
The People's Bank's message switching platform, described client identity query task processing server is connected with described the People's Bank message switching platform by http network, client identity query task is sent to the People's Bank's message switching platform by synchronous transmission agreement by described client identity query task processing server, described the People's Bank message switching platform receives the client identity query task that described client identity query task processing server sends, and passes the Query Result of client identity query task back described client identity query task processing server by network;
Ministry of Public Security's resident identity information shared platform, described the People's Bank message switching platform is connected with Ministry of Public Security resident identity information shared platform by network, described Ministry of Public Security resident identity information shared platform receives the client identity query task that described the People's Bank message switching platform forwards, and passes the Query Result of client identity query task back the People's Bank message switching platform by network.
Above-mentioned connection financial circles client terminal client identity information inquiry system, the People's Bank's message switching platform, the network between Ministry of Public Security's resident identity information shared platform can be any one or its combination in ADSL/DDN network or cdma network or GPRS network.
As shown in Figure 2, when client comes bank counter transacting business, it is all the identity information needing to verify this client, at this moment, first the client identity information acquisition terminal of sales counter gathers client identity information 11, and the client identity information of collection is made client identity query task and send to client identity query task processing server 12, client identity query task processing server receives client identity query task 13, then client identity query task is successively sent to the People's Bank's message switching platform 14 successively according to time order and function order, the client identity query task of reception is also successively sent to Ministry of Public Security's resident identity information shared platform 15 according to time order and function order by the People's Bank's message switching platform more successively, after Ministry of Public Security's resident identity information shared platform receives client identity query task, verification is carried out to client identity and checks 16, then the Query Result of client identity query task is passed back the People's Bank's message switching platform 17, the People's Bank's message switching platform passes the Query Result of the client identity query task of reception back client identity query task processing server 18 again, client identity query task processing server passes the Query Result of the client identity query task of reception back client identity information acquisition terminal 19 again, simultaneously also by the Query Result of client identity query task stored in local data base 20.
Client identity query task processing server, after the client identity query task 13 received, being sent between the People's Bank's message switching platform 14 by the client identity query task of reception, also comprises following processing procedure, shown in Figure 3:
Described client identity query task processing server is after receiving client identity query task 13, first verification 131a is carried out at local data base, see the Query Result 132a whether having preserved this client identity query task in local data base, if preserved the Query Result of this client identity query task in local data base, then directly when the Query Result of this client identity query task recalls 133a, and pass client identity information acquisition terminal 134a back, and no longer sent to by this client identity query task the People's Bank's message switching platform to carry out switching inquiry, if do not preserve the Query Result of this client identity query task in local data base, then this client identity query task is sent to the People's Bank's message switching platform 14.
By above-mentioned processing procedure, the response speed of client identity query task processing server process client identity query task greatly can be provided like this;
Client identity query task processing server is after the client identity query task 13 received, the client identity query task of reception is being sent between the People's Bank's message switching platform 14, can also be undertaken by another one mode, its processing procedure, shown in Figure 4:
Described client identity query task processing server is after receiving client identity query task 13, first the network connection state 131b between client identity query task processing server and the People's Bank's message switching platform is checked, if network connection state is in idle condition, directly this client identity query task is sent to the People's Bank's message switching platform 14, if network connection state is in congestion state, then described client identity query task processing server carries out verification 132b at local data base, if preserved the Query Result of this client identity query task in local data base, then directly when the Query Result of this client identity query task recalls 133b, and pass client identity information acquisition terminal 134b back, if do not preserve the Query Result of this client identity query task in local data base, then after treating the network state free time, then this client identity query task sends to the People's Bank's message switching platform 14.
Above-mentioned disposal route, better can ensure that the Query Result of client identity query task in local data base is latest data.
Client identity query task processing server by the Query Result of client identity query task stored in local data base 20 time, if newly stored in the Query Result of client identity query task exist in the local database, then the Query Result of existing client identity query task is replaced to the Query Result of up-to-date client identity query task.
In the present invention, described client identity query task processing server has a protocol conversion module, after the client identity information of collection is made client identity query task by client identity information acquisition terminal, client identity query task processing server is sent to by XON/XOFF, the client identity query task that XON/XOFF is sended over by protocol conversion module by described client identity query task processing server converts synchrodata to, then the client identity query task converting synchrodata to is sent to the People's Bank's message switching platform by synchronous transmission agreement by described client identity query task processing server again, the People's Bank's message switching platform passes the Query Result of client identity query task back client identity query task processing server by synchronous transmission agreement, after client identity query task processing server converts asynchronous data to by the client identity query task that synchronous transmission agreement sends over by protocol conversion module, then pass the Query Result of client identity query task back family identity information acquisition terminal by XON/XOFF.Like this, described client identity query task processing server just can by excessive for the smoothing conversion of data of XON/XOFF and synchronous transmission agreement, take full advantage of the conventional network resources of system, further improve the response speed of system process query task.

Claims (1)

1. a check method for financial circles automatic network verification system of customer identity, described financial circles automatic network verification system of customer identity comprises:
Financial circles client terminal client identity information inquiry system, this financial circles client terminal client identity information inquiry system comprises client identity information acquisition terminal and client identity query task processing server;
The People's Bank's message switching platform, described client identity query task processing server is connected with described the People's Bank message switching platform by network, described the People's Bank message switching platform receives the client identity query task that described client identity query task processing server sends, and passes the Query Result of client identity query task back described client identity query task processing server by network;
Ministry of Public Security's resident identity information shared platform, described the People's Bank message switching platform is connected with Ministry of Public Security resident identity information shared platform by network, described Ministry of Public Security resident identity information shared platform receives the client identity query task that described the People's Bank message switching platform forwards, and passes the Query Result of client identity query task back the People's Bank message switching platform by network;
It is characterized in that: described financial circles client terminal client identity information inquiry system also comprises one for depositing the local data base of the Query Result of all client identity query tasks passed back from described the People's Bank message switching platform, and this local data base is connected with described client identity query task processing server;
The check method of described financial circles automatic network verification system of customer identity is realized by following steps
Step one, client identity information acquisition terminal gather client identity information, and the client identity information of collection are made client identity query task and send to client identity query task processing server;
The client identity query task of reception is successively sent to the People's Bank's message switching platform according to time order and function order by step 2, client identity query task processing server successively;
The client identity query task of reception is also successively sent to Ministry of Public Security's resident identity information shared platform according to time order and function order by step 3, the People's Bank's message switching platform successively;
After step 4, Ministry of Public Security's resident identity information shared platform receive client identity query task, verification is carried out to client identity and checks, and pass the Query Result of client identity query task back the People's Bank message switching platform;
Step 5, the People's Bank's message switching platform pass the Query Result of the client identity query task of reception back client identity query task processing server again;
Step 6, client identity query task processing server pass the Query Result of the client identity query task of reception back client identity information acquisition terminal again, simultaneously also by the Query Result of client identity query task stored in local data base;
In described step 2, described client identity query task processing server is after receiving client identity query task, first the network connection state between client identity query task processing server and the People's Bank's message switching platform is checked, if network connection state is in idle condition, directly this client identity query task is sent to the People's Bank's message switching platform; If network connection state is in congestion state, then described client identity query task processing server is verified at local data base, if preserved the Query Result of this client identity query task in local data base, then directly when the Query Result of this client identity query task recalls, and pass client identity information acquisition terminal back; If do not preserve the Query Result of this client identity query task in local data base, then after treating the network state free time, then this client identity query task sends to the People's Bank's message switching platform;
In described step 6, if newly stored in the Query Result of client identity query task exist in the local database, then the Query Result of existing client identity query task is replaced to the Query Result of up-to-date client identity query task;
Described client identity query task processing server has protocol conversion module, in described step one, after the client identity information of collection is made client identity query task by client identity information acquisition terminal, client identity query task processing server is sent to by XON/XOFF, the client identity query task that XON/XOFF is sended over by protocol conversion module by described client identity query task processing server converts synchrodata to, then the client identity query task converting synchrodata to is sent to the People's Bank's message switching platform by synchronous transmission agreement by described client identity query task processing server again, the People's Bank's message switching platform passes the Query Result of client identity query task back client identity query task processing server by synchronous transmission agreement, after client identity query task processing server converts asynchronous data to by the client identity query task that synchronous transmission agreement sends over by protocol conversion module, then pass the Query Result of client identity query task back family identity information acquisition terminal by XON/XOFF.
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CN105809590A (en) * 2016-03-15 2016-07-27 刘家旺 Creditor's right mediation and collection and notarization execution verification method and platform
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