CN111709757A - Authentication method and authentication equipment for remotely setting up financial account - Google Patents
Authentication method and authentication equipment for remotely setting up financial account Download PDFInfo
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- CN111709757A CN111709757A CN202010569687.6A CN202010569687A CN111709757A CN 111709757 A CN111709757 A CN 111709757A CN 202010569687 A CN202010569687 A CN 202010569687A CN 111709757 A CN111709757 A CN 111709757A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
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- G06Q20/40145—Biometric identity checks
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
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Abstract
The invention provides an authentication method and authentication equipment for remotely setting up a financial account, and relates to the technical field of authentication. The authentication method for remotely setting up the financial account, S1, initiating an authentication request: the user needing remote authentication sends an authentication request to the authentication management authority, S2, acquires the user' S information: the authentication management mechanism acquires user identification information of a user needing to remotely set up a financial account. According to the authentication method and the authentication equipment for remotely setting up the financial account, through biological identification, a person can be prevented from pretending to be a user, the safety of the financial account in use is improved, the authentication efficiency is also improved, meanwhile, the identification information matching can be carried out on the user who remotely sets up the financial account, the operation authority of the financial account is determined through the matching degree, the safety of the financial account is further improved, and the corresponding account operation authority can be opened according to the matching degree of the authentication information.
Description
Technical Field
The invention relates to the technical field of authentication, in particular to an authentication method and an authentication device for remotely setting up a financial account.
Background
Financial accounts, which are the primary manifestation of financial transaction accounting, are the account movements of various financial transactions that occur over a period of time.
With the development of science and technology, in order to avoid the user to go to a website, the user time is saved, the efficiency is improved, the financial management institution adopts a remote authentication mode to carry out authentication, and the user who remotely sets up a financial account can operate the account only by carrying out authentication.
Traditional financial account authentication is authenticated by inputting password information by a user, and because passwords are easy to leak, the security of an account is poor, and meanwhile, through simple password input, the mastering of account operation authority is realized, the security of the account is also influenced, and the authentication requirements of financial institutions and users on remotely setting up the account cannot be met.
Disclosure of Invention
The invention aims to provide an authentication method and an authentication device for remotely setting up a financial account, which can avoid the imposition of a user by someone through biological identification, improve the safety of the financial account during use, improve the authentication efficiency, simultaneously carry out identification information matching on the user who remotely sets up the financial account, determine the operation authority of the financial account through the matching degree, and further improve the safety of the financial account.
In order to achieve the purpose, the invention is realized by the following technical scheme: an authentication method for remotely setting up a financial account,
s1, initiating an authentication request: a user requiring remote authentication sends an authentication request to an authentication authority.
S2, acquiring the information of the user: the authentication management mechanism acquires user identification information of a user needing to remotely set up a financial account.
S3, judging user identification information: and the certification authority examines the acquired user identification information.
S4, financial account authentication: after the user identification information is checked, the authentication management mechanism adjusts the operation authority for the account according to the checking result, and authenticates the user needing to remotely set up the financial account.
S5, account operation authority: and (4) remotely setting the user additional recording identification information of the financial account, and gradually opening the operation authority of the account by the authentication management mechanism according to the additional recording information condition.
Further, according to the operation step in S2, the user identification information includes face identification information and individual identification information, the face identification information includes a user fingerprint, a user voice, a user eye mask, and a user face, and the individual identification information includes a user name, a user gender, an identification number, a mobile phone number, a user address, a work unit, and emergency contact information.
Further, according to the operation step in S3, the certificate authority performs one-to-one matching between the acquired user identification information and the information stored in the certificate authority, and counts the matching degree between the user identification information and the information stored in the certificate authority.
Further, according to the operation step in S4, the certification authority confirms the user account authority of the remote financial account according to the certification information matching degree and the certification authority internal management regulation, and authenticates the user who has remotely set up the financial account.
Further, according to the operation step in S5, the user who sets up the account remotely performs entry-adding on the identification information, the authentication management entity reviews the entry-adding information, re-counts the matching degree of the authentication information, and adjusts the corresponding operation authority.
An authentication device for remotely setting up a financial account, comprising:
and the authentication request initiating module is used for initiating an authentication request to the authentication management mechanism.
And the information acquisition module is used for acquiring identification information of a user who remotely sets up the financial account by the authentication management mechanism.
And the storage module is used for storing the user identification information of the financial account in the authentication institution.
And the processor module is used for matching the acquired user identification information with the user identification information stored in the storage module and generating the matching degree of the information.
And the authentication module authenticates the user who remotely sets up the financial account and determines the user operation authority of remotely setting up the financial account.
And the operation authority adjusting module adjusts the user operation authority of the remotely set financial account according to the user identification information supplementary recording condition of the remotely set financial account.
Furthermore, the authentication request initiating module is electrically connected with the information acquiring module, the information acquiring module is electrically connected with the storage module and the operation authority adjusting module, the authentication request initiating module initiates an authentication request, the information acquiring module acquires user identification information of a user who remotely establishes a financial account through the authentication request initiating module, and after authentication is completed, the user who remotely establishes the financial account can perform user identification information supplementary recording through the operation authority adjusting module so as to adjust the operation authority of the financial account.
Further, the processor module is electrically connected with the information acquisition module, and the processor module examines the user identification information acquired by the information acquisition module and performs information matching with the user information stored in the storage module.
Furthermore, the authentication module is electrically connected with the processor module, and determines the user operation authority through the matching degree of the authentication module on the checked user information, so as to authenticate the user.
The invention provides an authentication method and an authentication device for remotely setting up a financial account. The method has the following beneficial effects:
(1) according to the authentication method and the authentication device for remotely setting up the financial account, the authentication request is initiated through the authentication request initiating module, the information obtaining module obtains the user identification information of the user who remotely sets up the financial account through the authentication request initiating module, and the obtained biological information can avoid the person from pretending the user, so that the safety of the financial account in use is improved, and the authentication efficiency is also improved.
(2) The authentication method and the authentication device for remotely setting up the financial account can be used for checking the user identification information acquired by the information acquisition module, performing information matching with the user information stored in the storage module, electrically connecting the authentication module with the processor module, determining the user operation authority through the matching degree of the checked user information by the authentication module, authenticating the user, adjusting the user operation authority, further improving the safety of the financial account, and opening the corresponding account operation authority according to the matching degree of the authentication information.
Drawings
FIG. 1 is a schematic diagram of an authentication device for remotely setting up a financial account according to the present invention;
FIG. 2 is a flowchart of an authentication method for remotely setting up a financial account according to the present invention.
In the figure: 1. an authentication request initiating module; 2. an information acquisition module; 3. a storage module; 4. a processor module; 5. an authentication module; 6. and an operation authority adjusting module.
Detailed Description
The invention will be further illustrated with reference to the following examples and drawings:
referring to fig. 1-2, an authentication method for remotely setting up a financial account,
step one, initiating an authentication request: a user requiring remote authentication sends an authentication request to an authentication authority.
Step two, obtaining the information of the user: the authentication management mechanism acquires user identification information of a user needing to remotely set up a financial account.
Step three, judging user identification information: and the certification authority examines the acquired user identification information.
Step four, financial account authentication: after the user identification information is checked, the authentication management mechanism adjusts the operation authority for the account according to the checking result, and authenticates the user needing to remotely set up the financial account.
Step five, account operation authority: and (4) remotely setting the user additional recording identification information of the financial account, and gradually opening the operation authority of the account by the authentication management mechanism according to the additional recording information condition.
Specifically, according to the operation steps in the second step, the user identification information comprises face identification information and personal identity identification information, the face identification information comprises user fingerprints, user voice, user eye masks and user faces, and the personal identity information comprises user names, user sexes, identity card numbers, mobile phone numbers, user addresses, work units and emergency contact information.
Specifically, according to the operation steps in the third step, the authentication management mechanism matches the acquired user identification information with the information stored in the authentication management mechanism one by one, and counts the matching degree between the user identification information and the information stored in the authentication management mechanism.
Specifically, according to the operation steps in the fourth step, the authentication management entity confirms the user account authority of the remote financial account according to the authentication information matching degree and the internal management regulation of the authentication management entity, and authenticates the user who remotely establishes the financial account.
Specifically, according to the operation steps in the fifth step, the user who sets up the account remotely carries out additional recording on the identification information, the authentication management organization examines the additional recording information, the matching degree of the authentication information is counted again, and the corresponding operation authority is adjusted.
An authentication device for remotely setting up a financial account, comprising:
the authentication request initiating module 1 is used for initiating an authentication request to an authentication management mechanism.
And the information acquisition module 2 is used for acquiring identification information of a user who remotely sets up the financial account by the authentication management institution.
And the storage module 3 is used for storing the user identification information of the financial account in the authentication institution.
The processor module 4 matches the acquired user identification information with the user identification information stored in the storage module 3, and generates the matching degree of the information.
And the authentication module 5 authenticates the user who remotely sets up the financial account and determines the user operation authority of remotely setting up the financial account.
And the operation authority adjusting module 6 is used for adjusting the user operation authority of the remote financial account according to the user identification information supplementary recording condition of the remote financial account.
Specifically, the authentication request initiating module 1 is electrically connected with the information obtaining module 2, the information obtaining module 2 is electrically connected with the storage module 3 and the operation permission adjusting module 6, the authentication request initiating module 1 initiates an authentication request, the information obtaining module 2 obtains user identification information of a user who remotely sets a financial account through the authentication request initiating module 1, and after authentication is completed, the user who remotely sets the financial account can perform user identification information supplementary recording through the operation permission adjusting module 6 to adjust the operation permission of the financial account.
Specifically, the processor module 4 is electrically connected with the information acquisition module 2, the processor module 4 examines the user identification information acquired by the information acquisition module 2, and performs information matching with the user information stored in the storage module 3, wherein the information in the storage module 3 is a database of the financial system.
Specifically, the authentication module 5 is electrically connected with the processor module 4, and determines the user operation authority through the authentication module 5 according to the matching degree of the checked user information, so as to authenticate the user.
The above is only a preferred embodiment of the present invention, and it should be noted that, for those skilled in the art, many variations and modifications can be made without departing from the inventive concept of the present invention, which falls into the protection scope of the present invention.
Claims (9)
1. An authentication method for remotely setting up a financial account, characterized in that:
s1, initiating an authentication request: a user needing remote authentication sends an authentication request to an authentication management mechanism;
s2, acquiring the information of the user: the authentication management mechanism acquires user identification information of a user needing to remotely set up a financial account;
s3, judging user identification information: the certification authority examines the acquired user identification information;
s4, financial account authentication: after the user identification information is checked, the authentication management mechanism adjusts the operation authority for the account according to the checking result, and authenticates the user needing to remotely set up the financial account;
s5, account operation authority: and (4) remotely setting the user additional recording identification information of the financial account, and gradually opening the operation authority of the account by the authentication management mechanism according to the additional recording information condition.
2. An authentication method for remotely setting up a financial account as claimed in claim 1, comprising the steps of: according to the operation step in S2, the user identification information includes face identification information including user fingerprint, user voice, user eye mask, and user face, and personal identification information including user name, user gender, identification number, mobile phone number, user address, work unit, and emergency contact information.
3. An authentication method for remotely setting up a financial account as claimed in claim 1, comprising the steps of: according to the operation step in S3, the certificate authority matches the acquired user identification information with the information stored in the certificate authority one by one, and counts the matching degree between the user identification information and the information stored in the certificate authority.
4. An authentication method for remotely setting up a financial account as claimed in claim 1, comprising the steps of: according to the operation step in S4, the certification authority confirms the user account authority of the remote financial account according to the matching degree of the certification information and the internal management regulation of the certification authority, and authenticates the user who sets up the financial account remotely.
5. An authentication method for remotely setting up a financial account as claimed in claim 1, comprising the steps of: according to the operation step in S5, the user who sets up the account remotely carries out the additional recording of the identification information, the authentication management organization examines the additional recording information, the matching degree of the authentication information is counted again, and the corresponding operation authority is adjusted.
6. An authentication device for remotely setting up a financial account, characterized by: the method comprises the following steps:
the authentication request initiating module (1) is used for initiating an authentication request to an authentication management mechanism;
the information acquisition module (2) is used for acquiring identification information of a user who remotely sets up a financial account by an authentication management organization;
the storage module (3) is used for storing the user identification information of the financial account in the certification authority;
the processor module (4) is used for matching the acquired user identification information with the user identification information stored in the storage module (3) and generating the matching degree of the information;
the authentication module (5) authenticates a user who remotely sets up the financial account and determines the user operation authority of remotely setting up the financial account;
and the operation authority adjusting module (6) adjusts the user operation authority for remotely setting up the financial account according to the user identification information supplementary recording condition for remotely setting up the financial account.
7. An authentication device for remotely setting up a financial account as claimed in claim 6, wherein: the authentication request initiating module (1) is electrically connected with the information acquiring module (2), the information acquiring module (2) is electrically connected with the storage module (3) and the operation authority adjusting module (6), an authentication request is initiated through the authentication request initiating module (1), the information acquiring module (2) acquires user identification information of a user who remotely establishes a financial account through the authentication request initiating module (1), and after authentication is completed, the user who remotely establishes the financial account can perform user identification information additional recording through the operation authority adjusting module (6) so as to adjust the operation authority of the financial account.
8. An authentication device for remotely setting up a financial account as claimed in claim 6, wherein: the processor module (4) is electrically connected with the information acquisition module (2), and the processor module (4) examines the user identification information acquired by the information acquisition module (2) and performs information matching with the user information stored in the storage module (3).
9. An authentication device for remotely setting up a financial account as claimed in claim 6, wherein: the authentication module (5) is electrically connected with the processor module (4), and the authentication module (5) determines the user operation authority for the checked user information matching degree and authenticates the user.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
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| CN202010569687.6A CN111709757A (en) | 2020-06-20 | 2020-06-20 | Authentication method and authentication equipment for remotely setting up financial account |
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| Application Number | Priority Date | Filing Date | Title |
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| CN202010569687.6A CN111709757A (en) | 2020-06-20 | 2020-06-20 | Authentication method and authentication equipment for remotely setting up financial account |
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Citations (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101101687A (en) * | 2006-07-05 | 2008-01-09 | 山谷科技有限责任公司 | Method, apparatus, server and system using biological character for identity authentication |
| CN104935440A (en) * | 2015-06-23 | 2015-09-23 | 银理安金融信息服务（北京）有限公司 | Authentication method and authentication device for remote opening of financial account |
| US10037420B1 (en) * | 2017-05-17 | 2018-07-31 | American Express Travel Related Services Copmany, Inc. | Cardless transactions |
| CN110011957A (en) * | 2018-12-13 | 2019-07-12 | 阿里巴巴集团控股有限公司 | Safety certifying method, device, electronic equipment and the storage medium of business account |
-
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- 2020-06-20 CN CN202010569687.6A patent/CN111709757A/en active Pending
Patent Citations (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101101687A (en) * | 2006-07-05 | 2008-01-09 | 山谷科技有限责任公司 | Method, apparatus, server and system using biological character for identity authentication |
| CN104935440A (en) * | 2015-06-23 | 2015-09-23 | 银理安金融信息服务（北京）有限公司 | Authentication method and authentication device for remote opening of financial account |
| US10037420B1 (en) * | 2017-05-17 | 2018-07-31 | American Express Travel Related Services Copmany, Inc. | Cardless transactions |
| CN110011957A (en) * | 2018-12-13 | 2019-07-12 | 阿里巴巴集团控股有限公司 | Safety certifying method, device, electronic equipment and the storage medium of business account |
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