CN106656983A - User identity authentication method and systems of business account network system, and apparatuses - Google Patents
User identity authentication method and systems of business account network system, and apparatuses Download PDFInfo
- Publication number
- CN106656983A CN106656983A CN201610922734.4A CN201610922734A CN106656983A CN 106656983 A CN106656983 A CN 106656983A CN 201610922734 A CN201610922734 A CN 201610922734A CN 106656983 A CN106656983 A CN 106656983A
- Authority
- CN
- China
- Prior art keywords
- network system
- user
- account
- commercial
- commercial account
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Pending
Links
Classifications
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L63/00—Network architectures or network communication protocols for network security
- H04L63/08—Network architectures or network communication protocols for network security for authentication of entities
- H04L63/0861—Network architectures or network communication protocols for network security for authentication of entities using biometrical features, e.g. fingerprint, retina-scan
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L63/00—Network architectures or network communication protocols for network security
- H04L63/08—Network architectures or network communication protocols for network security for authentication of entities
- H04L63/083—Network architectures or network communication protocols for network security for authentication of entities using passwords
Landscapes
- Engineering & Computer Science (AREA)
- Computer Hardware Design (AREA)
- Computer Security & Cryptography (AREA)
- Computing Systems (AREA)
- General Engineering & Computer Science (AREA)
- Computer Networks & Wireless Communication (AREA)
- Signal Processing (AREA)
- Health & Medical Sciences (AREA)
- Biomedical Technology (AREA)
- General Health & Medical Sciences (AREA)
- Management, Administration, Business Operations System, And Electronic Commerce (AREA)
Abstract
The present invention provides a user identity authentication method and system of a business account network system, and an apparatus, relating to the field of business account network systems. The method comprises the steps of acquiring read to-be-authenticated biometric information of a user of the business account network system; comparing the biometric information with a user biometric information template of each business account that is used for comparison and is prestored in the business account network system; and approving the authentication of the user identity of the successfully compared business account in the business account network system. The present invention further provides a user identity authentication apparatus and system of a business account network system. Through adoption of the method, system and apparatus, dependence on the account number and the account card is eliminated, and an era in which various business accounts can be used at any time without using the account number and account card is ushered in.
Description
Technical field
The present invention relates to commercial account network system field, is a kind of commercial account network system user's body specifically
Identity authentication method and device and system.
Background technology
Commercial account refers to individual or unit commercial undertaking is geared to the needs of the society public customer for commercial object in order to meet
Or the needs of various product that user is provided, can independently determine ground, can be opened up in the commercial undertaking unrestricted choice
Account；The product includes service, commodity, resource, knowledge, information, content etc., and the account is included in all kinds of institutes of financial institution
Finance accounts such as the bank account, securities account, security fund account, the underwriting account that open up and in other finance and economicss, industry, business
The public that gears to the needs of the society extensively carries out the business unit of operating service activity, commercial undertaking and is opened for industry, service trade, internet industry etc.
If account such as accounts of consumption, stored value accounts, oiling account, member's account, payment account, the life application such as register user account
Account.In addition, it is necessary to illustrate, heretofore described commercial account is also opened up including user in social cause mechanism
Social cause account such as surplus account, social security account, medical account etc..User realizes including disappearing accordingly by the account
Expense, credit, transfer accounts, settle accounts, access cash, payment, payment, book keeping operation, transaction, social activity, life application etc. one or more business
Service function.When opening up the commercial account, a corresponding account comprising part numeral, letter or character can be obtained, be opened
Behind family, personal or unit becomes the user of the commercial account.The commercial account the inside record user including account
One or more information such as information, user profile, fund information, securities information, service content, business information.To improve account
Service efficiency, user usually can also obtain that account opens up that mechanism's user oriented issued including bank card, security card, insurance
Card, common reserve fund card, social security card, medical card, consumption card, stored value card, purchase card, gas filling card, member card, payment card, subscriber card etc.
The various account cards being associated with personally identifiable information, this account card is corresponding with related account.The banks such as debit card credit card
Block by issuing including all kinds of financial institutions for being engaged in the bank field business, security card etc. is by including the card for being engaged in field of securities business
, to carry out securities account, the security fund account of registration of securities securities trading as user, insurance card is by insuring for certificate authority releases
Corporation issues, consumption card, stored value card, purchase card, gas filling card, member card, payment card, subscriber card etc. are main by bag other than the above
Include each field and be engaged in the distribution such as business unit of operating service activity to facilitate its business activities, common reserve fund card, social security card, medical treatment
Card etc. is by including the corresponding social cause authority releases such as public relation education mechanism, management of social insurance mechanism.Account card is applied to commercial affairs
Account network system, commercial account network system is set up under computer networking technology support for commercial system of account
Towards the public user extensively commences business the network system of business activities, mainly includes server and terminal device.
Since 20 century 70s, due to the fast development of science and technology, particularly electronic computer or even network skill
The utilization of art, the use range for making the account card with bank card as representative constantly expands, and makes corresponding service due to breaching the time
With the restriction in space and there occurs that essence changes, step by step, promote the arrival of a commercial account network times.
Commercial account network system as the important payment of a kind of advanced payment, transaction, application tool and modern society,
Transaction, application mode, for promotion consumption, reduce cash circulation, reduce transaction cost, strengthen anti money washing, expansion tax base, promote
Service, convenient application, promotion derived product development have positive effect, improve payment, transaction and the application service of every profession and trade
Efficiency, reduces transaction, operation, the cost of serving of the whole society, penetrates into the every aspect of social and economic activities.
At present the operation principle of commercial affairs account network system is：Terminal device recognizes account or account card and obtains instruction letter
After breath, will send information to be built up in the server on backstage by information transmission line, the backstage include financial institution and its
His all kinds of accounts open up mechanism, and account processing information can be confirmed after server identification relevant information, after confirmation, meeting
Processed information is sent to preposition terminal device again, terminal device receives the information after confirming, then can print document, it is complete
Into operation.At present, in this course, certification of the commercial account network system to user identity is mainly commercial account network system
System is identified certification by terminal device to account or account card, usually also to add and be identified certification to corresponding password,
User is just allowed to carry out proper account after user identity is certified used in connection with.
Therefore, user is often required to carry various cards in life, such as various bank cards, various consumption cards, various stored value cards,
Various purchase cards, various member cards, gas filling card, social security card etc., or need to keep various complicated accounts firmly in mind.As can be seen that existing
With the presence of the certain problem of the authentication techniques of commercial account network system user identity and defect：The various carrying of account card species is not
Just, easily lose, it is easily damaged and be difficult to, the use of account has dependence there be not band card to be just difficult with account to account card
Family, account is various is difficult to remember.
The content of the invention
To overcome the problems of the authentication techniques and defect of existing commercial account network system user identity, the present invention
Embodiment propose commercial account network system method for authenticating user identity and system, can solve the problem that account card species is various and take
With inconvenience, easily lose, it is easily damaged and be difficult to, the use of account has dependence there be not band to block just to be difficult with account to card
Family, account are various the problems such as be difficult to memory.To realize methods described, the present invention also proposes commercial account network system user identity
Certification special purpose device or equipment.
The commercial account network system method for authenticating user identity that the embodiment of the present invention is proposed, including：
What acquisition was read has the biological information of commercial account network system user to be certified；
The each commercial account for comparing will be prestored in the biological information and commercial account network system
The user biological characteristic information template at family is compared respectively；
Above-mentioned middle comparison is set successfully to have commercial account network system user to be certified by commercial account network system
The certification of system user identity.
In this embodiment, the biology for having a commercial account network system user to be certified for being read of the acquisition
The user biological feature letter of each commercial account for comparing prestored in characteristic information, with commercial account network system
Breath template matches, that is, compare successfully.Because everyone various biological informations have uniqueness, consistency, are difficult to steal
With property, authentication is carried out with biological information can realize accurate certification commercial affairs account network system user identity.
As the improvement to upper one embodiment, described by the biological information and commercial account network system
After the user biological characteristic information template of each commercial account for comparing for being prestored is compared respectively, also wrap
Include：
User biological characteristic information is compared the password and the acquisition prestored in the successfully commercial account
The password that commercial account network system user to be certified is input that has compare.
In the present embodiment, increase password and compare step, can so further enhance the security of commercial account.
As the improvement to upper one embodiment, in the commercial account network system each commercial account is previously stored with
The photo of user.These photos may be displayed on when needed on all kinds of terminal devices of commercial account network system, so as to terminal
Equipment management personnel compares in photo and user, improves the accuracy of authenticating user identification.For the ease of certification, in advance
Every portion biological information in the biological information template of each commercial account for first storing, can there is corresponding user
Photo.
As the improvement to upper one embodiment, user's life of the prestored each commercial account for comparing
Thing characteristic information template can include many parts of biological informations.Pre- deposit receipt part biological information, limitation is very strong, for example,
When this part of information cannot participate in comparing due to various reasons such as damages, authenticating user identification is difficult to, and prestore many parts of lifes
Thing characteristic information, can avoid such case.
Used as the improvement to upper one embodiment, many parts of biological informations are many parts of not all the same biological characteristics
Information.Prestore many parts of not all the same biological informations, can compare for biological information and provide multiple choices, with fingerprint
As a example by information, if prestoring index fingerprint and middle finger fingerprint this two parts of different biological informations, when a hand of user
When finger cannot compare for various reasons, can also be compared with the fingerprint of another finger.
As the improvement to upper one embodiment, many parts of not all the same biological informations, the multiple users of correspondence.
One family, multiple members of a group respectively can be stored in advance in the biological characteristic of oneself in same account, its
In the biological characteristic of any one user be mutually matched in certification, can mean that and compare successfully, can so make multiple members
All have the power respectively to use the commercial account.
As the improvement to upper one embodiment, access right not full phase of the plurality of user to the commercial account
Together.In the present embodiment, described each member can be with not all the same to the access right of the commercial account, so can be to child
The Special members such as son, student, old man arrange differential access right, to realize making the scientific and reasonable of commercial account
With.
Used as the improvement to any of the above described one embodiment, what the acquisition was read has commercial account network to be certified
Before the biological information of system user, also include：
Acquisition has the commercial account attributes characteristic information that commercial account network system user to be certified is provided；
To be used for by the user biological characteristic information template of each commercial account of commercial account attributes feature verification follow-up
Biological information is compared.
The commercial account attributes characteristic information includes commercial account classification information, commercial account user information etc..Commercial affairs
Account classification information, i.e., described commercial account is the account of what classification, is middle row account, agricultural bank's account, Construction Bank's account for example
FamilyOr social security accountCommercial account has many classifications, and in the case of having, the commercial account of multiple species can be optimized and combined
A kind of commercial account network system terminal device is shared, for example, although the bank account network system of different bank can be respectively
With each special terminal device, such as middle row account use in row terminal device, industrial and commercial bank's account terminal device of industrial and commercial bank, but be
Avoid terminal device from overlapping to waste and further optimize and combine, the bank account of different bank can share a kind of commercial account
Network system terminal device, in this case, believes the biological characteristic for having commercial account network system user to be certified
When breath is acquired, reads, need first to gather the bank account category feature information that the user is provided, for example, this
In the case of using bank account when, user needs to illustrate that oneself prepares the bank account class that uses to terminal unit management personnel
Not, it is middle row account, is the classification information such as industrial and commercial bank's account or agricultural bank's account, that is, carries out proper account classification confirmation, certification, really
After family classification of admitting what one has said or done, then carry out the comparison certification of subsequent bio characteristic information.It is, will be by commercial account category feature certification
Each commercial account user biological characteristic information template for subsequent bio characteristic information comparison.
In the present embodiment, the commercial account user information, i.e. user are needed when opening an account and in commercial account after opening an account
The user profile to be retained, including prove a few positions number in the various identification card numbers or the number of user identity
Code, place of opening an account, birth year, month, day, name etc..In view of commercial account user information belongs to conventional simple information, for big absolutely
Can be learnt by heart for majority and used at any time in the heart, therefore, before carrying out biological characteristic authentication, can be by specific commercial affairs account
User profile is provided and first compare certification, so that there is the biological characteristic of commercial account network system user to be certified
Information is reduced for the corresponding comparison scope of stored biological information template, to improve the specific aim of comparison, carry
High comparison efficiency.I.e. can by obtain have the biological information of user to be certified optionally only with commercial account network
User's life of user-specific information identical commercial affairs account that is being prestored in system and having user to be certified to be provided
Thing characteristic information template is compared respectively.For example, what acquisition was gathered has commercial account network system user institute to be certified
The user identity card number first six digits information of offer, such as 210202, by the user biological characteristic information and commercial account network
When the biological information template of the commercial account user prestored in system is compared respectively, only and prestored
, user identity card number first six digits information be similarly 210202 each commercial account user biological information template difference
Compare, and without being compared respectively with the biological information template of all commercial account user for prestoring
It is right, comparison scope can be so substantially reduced, improve comparison efficiency.It is, by by commercial account user authentification of message
The user biological characteristic information template of each commercial account is for the comparison of subsequent bio characteristic information.
Need it is further noted that in any of the above described one embodiment, the biological characteristic include face, fingerprint,
Iris, palmmprint, human ear, hand, vein, retina, voice etc..
The present invention also proposes a kind of biological information reading device for commercial account network system authenticating user identification, institute
Stating biological information reading device includes：Network connecting module, biomedical information acquisition device module, microprocessor module；Network connection
Module is used for the network connection set up between biological information reading device and server, and biomedical information acquisition device module is used to gather
There is the biological characteristic of commercial account network system user to be certified, microprocessor module is used for the letter of the biological characteristic to being gathered
Breath is processed and is sent to server.
As the improvement to upper one embodiment, the biological information reading device, also include：Password acquisition module；It is close
Code acquisition module is used for collection to be had password that commercial account network system user to be certified input and is sent to service
Device.
Used as the improvement respectively to two biological informations reading device embodiment set forth above, the biological information reads
Device, also includes：Commercial account attributes acquisition module；Commercial account attributes acquisition module is used to gather commercial account attributes feature
Information, such as commercial account classification information, commercial account user information.
The present invention also proposes a kind of ATM, using set forth above described any for commercial account network
The biological information reading device of system Subscriber Identity certification.
The present invention also proposes a kind of commercial account network system terminal device, using described any use set forth above
In the biological information reading device of commercial account network system authenticating user identification.
The present invention also proposes a kind of server for commercial account network system authenticating user identification, the server bag
Include：Memory module, biological characteristic comparing module, management module；Management module has commercial affairs to be certified for what acquisition was read
The biological information of account network system user；Memory module is used to prestore the every terms of information of each commercial account user,
Including biological information template；The commercial account network system to be certified that has that biological characteristic comparing module is used to obtain is used
User's life of each commercial account for comparing prestored in the biological information at family and commercial account network system
Thing characteristic information template is compared respectively.
Used as the improvement to upper one embodiment, the server also includes：Password comparing module；Password comparing module is used
In user biological characteristic information to be compared needing for the password that prestored in the successfully commercial account and the acquisition
The password that the commercial account network system user of certification is input is compared.
Used as the improvement to upper one embodiment, the memory module includes photograph storage unit；The photo storage is single
Unit is used to store the photo of each commercial account user.
As the improvement to upper one embodiment, each commercial account for comparison that the memory module is prestored
User biological characteristic information template can include many parts of biological informations.
Used as the improvement to upper one embodiment, many parts of biological informations are many parts of not all the same biological characteristics
Information.
As the improvement to upper one embodiment, many parts of not all the same biological informations, the multiple users of correspondence.
Used as the improvement respectively to any one server example set forth above, the server also includes：
Attribute authentication module；Attribute authentication module is used for according to the commercial account attributes characteristic information for being gathered for obtaining, including commercial affairs
Account classification information, commercial account user information etc., are carried out based on commercial account network system user's body of attributive character information
Part compares certification.To reduce subsequent bio aspect ratio to scope, improve and compare specific aim and comparison efficiency.
The present invention also proposes a kind of commercial account network system authenticating user identification system, and the system includes：Above carry
Described any ATM, any server presented above for going out.ATM and server it
Between network connection.
The present invention also proposes a kind of commercial account network system authenticating user identification system, and the system includes：Above carry
Described any commercial affairs account network system terminal device, the described any server set forth above for going out.Automatic cabinet
Network connection between member's machine and server.
As can be seen from the above technical solutions, the embodiment of the present invention has advantages below and beneficial effect：In view of people's is more
Plant biological characteristic and there is uniqueness, identifiability, consistency, under the support of computer technology and biometrics identification technology,
By user biological feature verification user identity, including brush face, brush finger line, brush iris, brush palmmprint etc., it is possible to achieve accurately recognize
The commercial account network system user identity of card.Can be without remembering various account, without the various various account cards of carrying, no
There are account card loss problems, there is no the easy breakage of account card and be difficult to, open one without account card, without account
Number can also at any time using various commercial accounts epoch.If comparing the technologies such as protection and arranging along with password compares protection, photo
Apply, its accuracy and security can further be strengthened.
Description of the drawings
Fig. 1 is a schematic diagram of method provided in an embodiment of the present invention
One schematic diagram of the method that Fig. 2 is provided for another embodiment of the present invention
Specific embodiment
In order that the objects, technical solutions and advantages of the present invention become more apparent, with reference in the embodiment of the present invention
Accompanying drawing, the technical scheme in the embodiment of the present invention is further illustrated.It is only below the section Example of the present invention, not entirely
Portion's embodiment, all any modification, equivalent substitution and improvements within the spirit and principles in the present invention, done etc., should be included in
Within the scope of protection of the invention.
See Fig. 1, the commercial account network system method for authenticating user identity that the present embodiment is proposed, including：
Step 11：What acquisition was read has the biological information of commercial account network system user to be certified；
The biological characteristic of people generally has uniqueness (different from other people), can measure or can automatic identification and checking, end
The features such as body is constant, including face, fingerprint, iris, palmmprint, human ear, hand, vein, retina, voice etc..
In this step, biological information reading device is adopted using optical pickocff, acoustic sensor, biology sensor etc.
Collection, reading have the biological characteristic of commercial account network system user to be certified, and it is manageable to convert it to computer
Digital information, is sent to filesystem server or other computer equipments, and server or other computer equipments are obtained to be read
What is taken has the biological information of commercial account network system user to be certified.
Step 12：It is each for what is compared by what is prestored in the biological information and commercial account network system
The user biological characteristic information template of commercial account is compared respectively；
When opening an account to user and after opening an account, the biological characteristic of each commercial account user is obtained, extract its feature and by it turn
Digital information is changed to, and further these information composition characteristic templates is pre-stored within into server or other computer equipments
In, compare for biological information as a part for user profile in commercial account.When there is commercial account net to be certified
When network system user carries out authentication with network system interaction, filesystem server or other computer equipments obtain its life
Thing characteristic information is simultaneously compared with each commercial account user biological information template for comparing in prestoring, profit
Determine whether the two matches with reliable matching algorithm, to be verified and be recognized identity.Jing is compared, if be mutually matched,
Compare successfully；If mismatched, that is, compare unsuccessful.
Step 13：Above-mentioned middle comparison is set successfully to have commercial account network system user to be certified by commercial account
The certification of network system user identity.
Jing is compared, if compared successfully, has commercial account network system user to be certified to pass through to commercial account
The certification of network system user identity, by the certification, the user is just with access to the commercial account；If compared
Unsuccessful, i.e., not authenticated, then the user haves no right to use the commercial account.
Fig. 2 is seen, as the improvement to upper one embodiment, described by the biological information and commercial account network
After the user biological characteristic information template of each commercial account for comparing prestored in system is compared respectively,
Also include：
Step 21：User biological characteristic information is compared the password and institute prestored in the successfully commercial account
The password that commercial account network system user to be certified is input that has for stating acquisition is compared.
In the present embodiment, the password for having user to be certified to be input is gathered simultaneously by terminal device password acquisition module
Transmit to filesystem server or other computer equipments, filesystem server or other computer equipments obtain described close
After code, the successfully commercial account is compared to user biological characteristic information, carry out password comparison, i.e., to having passed through biology
The described commercial account of feature verification, then cipher authentication is carried out, user biological characteristic information is compared into the successfully commercial account
The password prestored in family enters with the password that commercial account network system user to be certified is input that has of the acquisition
Row is compared.Be previously stored with that the commercial account user pre-sets in filesystem server or other computer equipments is close
Code.Jing is compared, and both are identical, that is, compare successfully；Both differ, that is, compare unsuccessful.
As the improvement to upper one embodiment, in the commercial account network system each commercial account is previously stored with
The photo of user.The photo includes proving to shine, and each commercial account user can be prestored in commercial account network system
Photo, have corresponding relation between these photos, and the user and the biological information of user, realize the network system
Compare when necessary between the photo stored in system and user.Current commercial account network system such as bank
Accounting system, bank counter personnel are generally compared using the photo on identity document with me, have dependence to identity document
Property.
As the improvement to upper one embodiment, user's life of the prestored each commercial account for comparing
Thing characteristic information template can include many parts of biological informations.The user biological feature of each commercial account for being prestored
Information have many parts, i.e., two part and more than, for example have many parts of finger print informations, or existing finger print information also has face information, it is described
Many parts of biological informations, it may be possible to many parts of biological informations of identical, it is also possible to many parts of different biological informations.
Used as the improvement to upper one embodiment, many parts of biological informations are many parts of not all the same biological characteristics
Information.The user biological characteristic information of each commercial account for being prestored is many parts of not all the same biological informations,
For example, the index fingerprint information of existing user, also the middle finger finger print information of user.
As the improvement to upper one embodiment, many parts of not all the same biological informations, the multiple users of correspondence.
I.e. described many parts of biological informations, come from multiple users, and the plurality of user is the user of the account.For example it is existing
The biological information of Mrs Li, the biological information for also having Mrs Yan, these people are the users of same commercial account, are had
Power uses the commercial account.For example the oiling account described by the present embodiment is handled in oil company, preserved in an account
Many personal biological informations, i.e., one oiling account can serve multiple members of one family or a team,
Avoid each Member Users in present oiling account usually needs everyone to hold the numerous of gas filling card to refuel
It is trivial with it is inconvenient.
As the improvement to upper one embodiment, access right not full phase of the plurality of user to the commercial account
Together.I.e. the plurality of user, can be authenticated rear using the commercial account, but its access right is not all the same, and such as one
Household can be authenticated rear using certain bank account, but the access right of father and mother and child can be redefined for different power
Limit, more scientifically to use the account.
Used as the improvement to an any of the above described embodiment of the method, what the acquisition was read has commercial account to be certified
Before the biological information of network system user, also include：
Acquisition has the commercial account attributes characteristic information that commercial account network system user to be certified is provided；
To be used for by the user biological characteristic information template of each commercial account of commercial account attributes feature verification follow-up
Biological information is compared.
The commercial account attributes characteristic information, can be gathered by the commercial account attributes acquisition module of terminal device,
And filesystem server or other computer equipments are sent to, filesystem server or other computer equipments obtain described
The commercial account attributes characteristic information that user provides.The present embodiment above-mentioned steps are used for according to the commercial account for being gathered for obtaining
Attributive character information, such as commercial account classification information, commercial account user information, is carried out based on the commercial affairs of attributive character information
Account network system user identification confirmation, certification, by each commercial account of commercial account attributes feature verification, by its user's life
Thing characteristic information template is used further to follow-up biological information and compares.In the present embodiment, it is not special by commercial account attributes
The each commercial account of certification is levied, its user biological characteristic information template no longer carries out follow-up biological information and compares.
Need it is further noted that address in following any one embodiment upper, the biological characteristic include face,
Fingerprint, iris, palmmprint, human ear, hand, vein, retina, voice etc..
The present invention also proposes a kind of biological information reading device for commercial account network system authenticating user identification, institute
Stating biological information reading device includes：Including：Network connecting module, biomedical information acquisition device module, microprocessor module；Network
Link block is used for the network connection set up between biological information reading device and server, and biomedical information acquisition device module is used for
Collection has the biological characteristic of commercial account network system user to be certified, and the biology that microprocessor module is used for being gathered is special
Reference breath is processed and is sent to server.
As the improvement to upper one embodiment, the biological information reading device, also include：Password acquisition module；It is close
Code acquisition module is used for collection to be had password that commercial account network system user to be certified input and is sent to service
Device.
Used as the improvement respectively to two biological informations reading device embodiment set forth above, the biological information reads
Device, also includes：Commercial account attributes acquisition module；Commercial account attributes acquisition module is used to gather commercial account attributes feature
Information, such as commercial account classification information, commercial account user information.
The present invention also proposes a kind of ATM, using set forth above described any for commercial account network
The biological information reading device of system Subscriber Identity certification.ATM refers to the financial institution for being engaged in bank's class business not
With a kind of small machines that place is arranged, the bank counter service such as client can be withdrawn deposit through machine, be deposited, being transferred accounts,
In most cases all this self-help machine is called Automatic Teller Machine.
The present invention also proposes a kind of commercial account network system terminal device, using described any use set forth above
In the biological information reading device of commercial account network system authenticating user identification.Commercial account network system terminal device is referred to
The user side of commercial account network system, for the terminal device that client provides commercial account network system application service, in this reality
Apply and do not include in example ATM.
The present invention also proposes a kind of server for commercial account network system authenticating user identification, the server bag
Include：Memory module, biological characteristic comparing module, management module；Management module has commercial affairs to be certified for what acquisition was read
The biological information of account network system user；Memory module is used to prestore the every terms of information of each commercial account user,
Including biological information template；The commercial account network system to be certified that has that biological characteristic comparing module is used to obtain is used
User's life of each commercial account for comparing prestored in the biological information at family and commercial account network system
Thing characteristic information template is compared respectively.
Used as the improvement to upper one embodiment, the server also includes：Password comparing module；Password comparing module is used
In user biological characteristic information to be compared needing for the password that prestored in the successfully commercial account and the acquisition
The password that the commercial account network system user of certification is input is compared.
Used as the improvement to upper one embodiment, the memory module includes photograph storage unit；The photo storage is single
Unit is used to store the photo of each commercial account user.
Used as the improvement to upper one embodiment, the user biological of each commercial account that the memory module is prestored is special
Levying information model can include many parts of biological informations.
Used as the improvement to upper one embodiment, many parts of biological informations are many parts of not all the same biological characteristics
Information.
As the improvement to upper one embodiment, many parts of not all the same biological informations, the multiple users of correspondence.
Used as the improvement respectively to any one server example set forth above, the server also includes：
Attribute authentication module；Attribute authentication module is used for according to the commercial account attributes characteristic information for being gathered for obtaining, including commercial affairs
Account classification information, commercial account user information etc., are carried out based on commercial account network system user's body of attributive character information
Part compares certification.
In the present embodiment, the commercial account attributes characteristic information includes commercial account classification information, commercial account user
Information etc..Commercial account classification information, i.e., described commercial account is the account of what classification, is middle row account, agricultural bank for example
Account, Construction Bank's accountOr social security accountCommercial account has many classifications, and in the case of having, the commercial account of multiple species can
To optimize and combine a kind of shared commercial account network system terminal device, for example, though the bank account network system of different bank
So can respectively with each special terminal device, such as middle row account use in row terminal device, industrial and commercial bank's account is with end of industrial and commercial bank
End equipment, but further optimize and combine in order to avoid terminal device overlaps waste, the bank account of different bank can be shared
A kind of commercial account network system terminal device, in this case, has commercial account network system user to be certified to described
Biological information when being acquired, reading, need first to gather the bank account category feature information that the user is provided,
For example, in this case using bank account when, user needs to illustrate oneself to prepare to use to terminal unit management personnel
Bank account classification is middle row account, be the classification information such as industrial and commercial bank's account or agricultural bank's account, that is, carry out proper account classification true
Recognize, certification, confirm account classification after, then carry out subsequent bio characteristic information compare certification.The commercial account user information, i.e.,
User needs the user profile retained, including the various identity for proving user identity when opening an account and after opening an account in commercial account
A few numbers, place of opening an account, birth year, month, day, name in passport NO. or the number etc..In view of commercial account
User profile belongs to conventional simple information, can be learnt by heart for vast majority of people and used at any time in the heart, therefore, given birth to
Before thing feature verification, specific commercial account user information can be provided certification of comparing, so that having to be certified
Commercial account network system user biological information for stored biological information template corresponding comparison model
Enclose and reduced, to improve the specific aim of comparison, improve comparison efficiency.I.e. can be by the biology for having a user to be certified for obtaining
Characteristic information optionally only with commercial account network system in prestored and have a spy that user to be certified provided
The user biological characteristic information template for determining user profile identical commercial affairs account is compared respectively.For example, obtain what is gathered
There is the user identity card number first six digits information that commercial account network system user to be certified is provided, such as 210202, by institute
State the biological information of the commercial account user prestored in user biological characteristic information and commercial account network system
When template is compared respectively, only and prestored, user identity card number first six digits information be similarly 210202 it is each
The biological information template of commercial account user is compared respectively, and without with all commercial account for prestoring
The biological information template of user is compared respectively, can so be substantially reduced comparison scope, is improved server and is compared effect
Rate.
The present invention also proposes a kind of commercial account network system authenticating user identification system, and the system includes：Above carry
Described any ATM, any server presented above for going out.ATM and server it
Between network connection.
The present invention also proposes another commercial account network system authenticating user identification system, and the system includes：Above
Described any commercial affairs account network system terminal device, the described any server set forth above for proposing.Automatically
Network connection between automatic teller machine and server.
In various embodiments of the present invention, module connection between each module.
All or part of embodiment of the present invention can be realized in the way of being combined with software and hardware.
One of ordinary skill in the art will appreciate that realizing that all or part of step in above-described embodiment method can be
The hardware that correlation is instructed by program is completed, and the program can be stored in a kind of computer-readable recording medium, above-mentioned to carry
To storage medium can be read-only storage, disk or CD etc..
Above to a kind of commercial account network system method for authenticating user identity provided by the present invention and device and system
It is described in detail, for one of ordinary skill in the art, according to the thought of the embodiment of the present invention, in specific embodiment
And will change in range of application, therefore, this specification content should not be construed as limiting the invention.
Claims (22)
1. a kind of commercial account network system method for authenticating user identity, it is characterised in that include：
What acquisition was read has the biological information of commercial account network system user to be certified；
Each commercial account for comparing will be prestored in the biological information and commercial account network system
User biological characteristic information template is compared respectively；
Above-mentioned middle comparison is set successfully to have commercial account network system user to be certified by using commercial account network system
The certification of family identity.
2. commercial account network system method for authenticating user identity according to claim 1, it is characterised in that it is described will
User's life of each commercial account for comparing prestored in the biological information and commercial account network system
After thing characteristic information template is compared respectively, also include：
What user biological characteristic information was compared the password that prestored in the successfully commercial account and the acquisition has
The password that commercial account network system user to be certified is input is compared.
3. commercial account network system method for authenticating user identity according to claim 2, it is characterised in that in the business
The photo of each commercial account user is previously stored with business account network system.
4. commercial account network system method for authenticating user identity according to claim 3, it is characterised in that described pre-
The user biological characteristic information template of each commercial account for comparing for first storing can include many parts of biological informations.
5. commercial account network system method for authenticating user identity according to claim 4, it is characterised in that described many parts
Biological information is many parts of not all the same biological informations.
6. commercial account network system method for authenticating user identity according to claim 5, it is characterised in that described incomplete
Many parts of biological informations of identical, the multiple users of correspondence.
7. commercial account network system method for authenticating user identity according to claim 6, it is characterised in that the plurality of
User is not all the same to the access right of the commercial account.
8. the commercial account network system method for authenticating user identity of any one according to claim 1 to 7, its feature exists
In what the acquisition was read has before the biological information of commercial account network system user to be certified, also includes：
Acquisition has the commercial account attributes characteristic information that commercial account network system user to be certified is provided；
Subsequent bio will be used for by the user biological characteristic information template of each commercial account of commercial account attributes feature verification
Characteristic information is compared.
9. a kind of biological information reading device for commercial account network system authenticating user identification, it is characterised in that include：
Network connecting module, biomedical information acquisition device module, microprocessor module；Network connecting module is used to set up biological information reading
Network connection between device and server, biomedical information acquisition device module is used for collection commercial account network system to be certified
The biological characteristic of system user, microprocessor module is used for the biological information to being gathered and is processed and be sent to service
Device.
10. biological information reading device according to claim 9, it is characterised in that also include：Password acquisition module；It is close
Code acquisition module is used for collection to be had password that commercial account network system user to be certified input and is sent to service
Device.
The 11. biological information reading devices according to claim 9 or 10, it is characterised in that also include：Commercial account attributes
Acquisition module；Commercial account attributes acquisition module is used to gather commercial account attributes characteristic information, such as commercial account classification information,
Commercial account user information etc..
12. a kind of ATMs, it is characterised in that usage right requires that any one described in 9 to 11 is used for commercial account
The biological information reading device of network system authenticating user identification.
13. a kind of commercial account network system terminal devices, it is characterised in that usage right requires any described in 9 to 11
Plant for the biological information reading device of commercial account network system authenticating user identification.
A kind of 14. servers for commercial account network system authenticating user identification, it is characterised in that the server bag
Include：Memory module, biological characteristic comparing module, management module；Management module has commercial affairs to be certified for what acquisition was read
The biological information of account network system user；Memory module is used to prestore the every terms of information of each commercial account user；
Biological characteristic comparing module is used for the biological information and the business that have a commercial account network system user to be certified that will be obtained
The user biological characteristic information template of each commercial account for comparing prestored in business account network system is entered respectively
Row is compared.
15. servers according to claim 14, it is characterised in that also include：Password comparing module；Password comparing module
For user biological characteristic information to be compared into having for the password prestored in the successfully commercial account and the acquisition
The password that commercial account network system user to be certified is input is compared.
16. servers according to claim 15, it is characterised in that the memory module includes photograph storage unit；Institute
Photograph storage unit is stated for storing the photo of each commercial account user.
17. servers according to claim 16, it is characterised in that the memory module prestore for compare
The user biological characteristic information template of each commercial account can include many parts of biological informations.
18. servers according to claim 17, it is characterised in that many parts of biological informations are not all the same
Many parts of biological informations.
19. servers according to claim 18, it is characterised in that many parts of not all the same biological informations,
The multiple users of correspondence.
The 20. any servers according to claim 14 to 19, it is characterised in that also include：Attribute authentication module；
Attribute authentication module is used for according to the commercial account attributes characteristic information for being gathered for obtaining, including commercial account classification information,
Commercial account user information etc., carries out the commercial account network system user identity based on attributive character information and compares certification.
21. a kind of commercial account network system authenticating user identification systems, it is characterised in that include：Described in claim 12
Any server described in any ATM, claim 14 to 20.
22. a kind of commercial account network system authenticating user identification systems, it is characterised in that include：Described in claim 13
Any server described in any commercial affairs account network system terminal device, claim 14 to 20.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610922734.4A CN106656983A (en) | 2016-10-28 | 2016-10-28 | User identity authentication method and systems of business account network system, and apparatuses |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610922734.4A CN106656983A (en) | 2016-10-28 | 2016-10-28 | User identity authentication method and systems of business account network system, and apparatuses |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN106656983A true CN106656983A (en) | 2017-05-10 |
Family
ID=58855737
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201610922734.4A Pending CN106656983A (en) | 2016-10-28 | 2016-10-28 | User identity authentication method and systems of business account network system, and apparatuses |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN106656983A (en) |
Citations (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN103853950A (en) * | 2014-03-20 | 2014-06-11 | 深圳市中兴移动通信有限公司 | Authentication method based on mobile terminal and mobile terminal |
| CN104239768A (en) * | 2014-09-04 | 2014-12-24 | 深圳市浩方电子商务有限公司 | Personal account information security management system and method based on biologic characteristic information verification |
| CN105788103A (en) * | 2016-02-29 | 2016-07-20 | 宇龙计算机通信科技(深圳)有限公司 | Account balance display method, account balance display device and terminal |
| CN105933348A (en) * | 2016-06-30 | 2016-09-07 | 广州云移信息科技有限公司 | Login method based on biological characteristics, terminal and system |
| CN105938526A (en) * | 2016-03-07 | 2016-09-14 | 李明 | Identity authentication method and system |
-
2016
- 2016-10-28 CN CN201610922734.4A patent/CN106656983A/en active Pending
Patent Citations (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN103853950A (en) * | 2014-03-20 | 2014-06-11 | 深圳市中兴移动通信有限公司 | Authentication method based on mobile terminal and mobile terminal |
| CN104239768A (en) * | 2014-09-04 | 2014-12-24 | 深圳市浩方电子商务有限公司 | Personal account information security management system and method based on biologic characteristic information verification |
| CN105788103A (en) * | 2016-02-29 | 2016-07-20 | 宇龙计算机通信科技(深圳)有限公司 | Account balance display method, account balance display device and terminal |
| CN105938526A (en) * | 2016-03-07 | 2016-09-14 | 李明 | Identity authentication method and system |
| CN105933348A (en) * | 2016-06-30 | 2016-09-07 | 广州云移信息科技有限公司 | Login method based on biological characteristics, terminal and system |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| US11645655B2 (en) | Methods and systems for verifying individuals prior to benefits distribution | |
| Catherine et al. | Effort expectancy, performance expectancy, social influence and facilitating conditions as predictors of behavioural intentions to use ATMs with fingerprint authentication in Ugandan banks | |
| US9536107B2 (en) | System and method enabling multiparty and multi level authorizations for accessing confidential information | |
| US8510797B2 (en) | Online user authentication | |
| US7216803B2 (en) | Biometric delegation and authentication of financial transactions | |
| US8938398B2 (en) | Management of biometric information | |
| US20130238501A1 (en) | Biometric based authorization systems for electronic fund transfers | |
| US20090150286A1 (en) | Point of sale automatic savings program contribution system using biometrics payment and authentication with smart cards, electronic payment, and wireless mechanisms | |
| Bhosale et al. | Security in e-banking via cardless biometric ATMs | |
| US20080249947A1 (en) | Multi-factor authentication using a one time password | |
| BR112019009519A2 (en) | biometric transaction system | |
| CN101496024A (en) | Net settlement assisting device | |
| CN105229709B (en) | Security ststem | |
| Al Imran et al. | OTP based cardless transction using ATM | |
| JP2018116353A (en) | User identification system and transaction method in financial institution | |
| CN101379526A (en) | Biometric based authorization systems for electronic fund transfers | |
| US20200104838A1 (en) | Method and System For Setting Controls On Assets Transactions | |
| KR101437235B1 (en) | Method of processing transaction for foreign customers and apparstus performing the same | |
| CN106656983A (en) | User identity authentication method and systems of business account network system, and apparatuses | |
| US20190295094A1 (en) | System and method for enabling receipt of electronic payments | |
| Mthethwa et al. | An improved smartcard for the South African Social Security Agency (SASSA): A proof of life based solution | |
| KR102576832B1 (en) | Cloud investment system and method cloud investment service | |
| CN108537538A (en) | Electronic invoice issues method and system, computer storage media | |
| Irina-Elena et al. | The Necessity Of Introducing Information Technology In The Activity Of Credit Institutions | |
| Nasution et al. | Turnitin |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| PB01 | Publication | ||
| PB01 | Publication | ||
| SE01 | Entry into force of request for substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| RJ01 | Rejection of invention patent application after publication | ||
| RJ01 | Rejection of invention patent application after publication |
Application publication date: 20170510 |