CN1424687A - Fingerprint identifying security technology for accounts of banks - Google Patents
Fingerprint identifying security technology for accounts of banks Download PDFInfo
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- CN1424687A CN1424687A CN 02151743 CN02151743A CN1424687A CN 1424687 A CN1424687 A CN 1424687A CN 02151743 CN02151743 CN 02151743 CN 02151743 A CN02151743 A CN 02151743A CN 1424687 A CN1424687 A CN 1424687A
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Abstract
This invention is an anti-stealing technique for bank depositions and account funds using alive fingerprint identification. Instead of the secret code for money withdrawing and checking account stamp in banks, the identification using biological feature of alive fingerprints inhibits in technique forging identification for money withdrawing and puts an end to stealing and falsely claiming and can give an alarm to illegal stealing, achieving to control criminals in time, and safeguards the funds of banks and deposition accounts. The stealing funds of banks is a difficult technical subject for safeguarding the funds of banks. On the basis of identification using alive fingerprints, the invention utilizes the unique, unforgeable, effective properties in one's all life and that the fingerprints can be carried along with oneself to identify automatically the legality of people withdrawing money on the spot.
Description
The present invention relates to be one and the identification of novel human body active bio identity characteristic prevent the technology that bank capital is stolen---the technology of stealing is prevented in the living body finger print identification of bank savings and account funds.
The uniqueness of somatic fingerprint, exclusiveness and unchangeable property characteristics add that live body identification has ensured the authenticity of identity, and refusal is forged.The living body finger print identification has not only solved the defective that self can't overcome that various electronic code identity recognizing technologies such as existing bar code, magnetic card, IC-card, password are easily used, usurp effectively and inconvenience such as has avoided losing, forget Password; Also solved the problem that is replicated that has of common finger print image identification; Guaranteed that identity must autoptic parent be a property.
Bank is in that savings and the anti-of account funds are stolen in the measure, though the means of having taked electronic cipher and signature to check have played certain purpose of setting up defences; Be forced to say because of password is cracked or is threatened, signature is replicated, and the fund phenomenon of being stolen happens occasionally; No matter be outer robber and interior robber, all will cause the loss of depositor's fund, may bank be faced to bear the responsibility of claim thus, this has become the technical difficult problem of bank on the fund security operational support.At present bank's technical measures of drawing in the supervision to be adopted in account funds can reduce following 3 classes substantially:
1. the numerical ciphers of personal account is checked, and no matter is at sales counter, or in ATM (automatic teller machine),
As long as account's password is correct, just can conveniently withdraw the money.
2. the signature of unit account number is checked, and just can pay out or withdraw cash, transfer accounts as long as the signature of account number coincide.
3. on-the-spot video monitors, with the means of television recording monitoring, the process of withdrawing the money at scene is carried out
The faithful record is in order to investigating when occurring stealing situation.
Whether above-mentioned method can not distinguish in " legal " withdraws the money automatically to I parent is, this is the be stolen crux of fund of technical existence.Preceding 2 class technology have just adopted the static matching that shelves stay in data (account's password or signature) that the scene provides and bank of checking and approving, and whether the identity of being indifferent to the person of withdrawing the money is truly legal, exist by illegal false claiming and the operating space of stealing, this is their technical critical defects that self can't overcome just.Then a class technology has adopted the means of real-time video monitoring, being used for remedying preceding two class technology is subject to the offender and invades situation, but also can only steal money behavior enforcement scene playback, assistance detection afterwards to " legal " of pretending to be, this can only be regarded as a kind of remedial measures of confirmation of responsibility at most.Bank has all equipped this three types of technology now, but the case of the fund that illegally is stolen still takes place repeatedly, and this has become the heavy again technical barrier of the weight that banking industry will solve.
The objective of the invention is to the defective that exists at above-mentioned bank debits safety guarantee technology---authenticity and legitimacy that can't accurately on-the-spot judgement remittee identity; a kind of antitheft access method of living body finger print identification is proposed; identification with biological characteristic replaces account password and signature to check; in the authentication of withdrawing the money, in time find its camouflage; not only refusal is withdrawn deposit and can be implemented automatically at once and reports to the police, and protects the safety and containment criminal of account funds effectively.Arrive with oneself of somatic fingerprint, unchangeable, the convenient feature that varies with each individual, never lost efficacy and the technical guarantee of living body finger print identification are effective, the most suitable biotechnologys that identity characteristic exclusiveness and uniqueness are discerned; This has stopped the personation identity technically, finds criminal's false claiming behavior to be cannot succeed when withdrawing the money, and really reaches to ensure bank savings and the anti-purpose of stealing of account funds.
The present invention has not only solved safety guarantee that bank savings and account funds draw and technology and has used puzzlement on the antitheft mechanism of withdrawing the money, also solved the contradiction of convenient service and technical guarantee well, guarantee the uniqueness and the exclusiveness feature of legal identity with fingerprint identification technology, with the vivo identification of fingerprint ensure identity can not forge with irreplaceable parent be property; And find to usurp identity with the scene authentication of withdrawing the money, and can in time implement automatically to report to the police, the containment criminal; This can't obtain satisfied solution in above-mentioned existing method, the technology of the present invention can realize finding to steal taker, warning automatically, containment criminal safely just.Also since solved effectively will fast searching checking in the ten hundreds of magnanimity finger print image storehouse of bank account strategy, ensured this technology effectiveness of application in the system of large bank.
The present invention is with the initiatively technical guarantee measure of finger print identification verification of scene, implements the refusal countermeasure that identity is illegally falsely used in containment timely; Also be different from the countermeasure that the passive collection in back suspect fingerprint takes place in case police criminal detection; Really accomplish the effect that prevents trouble before it happens.
The solution of the technology of the present invention:
Identity code when withdrawing the money as bank savings and account with the somatic fingerprint feature, the uniqueness of fingerprint, exclusiveness biological characteristic are as the identify label feature, and get rid of the characteristics that finger print image is replicated with the live body biological identification technology, thereby reaching that I must be in the action could be by the purpose of authentication; And find that automatically robber's taker, enforcement are reported to the police, the containment criminal.The present invention proposes just with such technical method, and by multi-disciplinary organically blending such as infotech, biological identification technology, mechanicss of communication, stealing money and warning countermeasure with living body finger print identification, refusal realizes the legal use of bank savings and account funds is supervised, and, ensure the safety of property to stealing behavior enforcement warning.
The identification of the living body finger print of bank savings and account funds is anti-steal technology mainly by depositor's identity, anti-ly steal countermeasure, withdraw the money authentication and anti-four processing links of reporting to the police of stealing form:
One, depositor's identity processing links is advanced depositor's individual fingerprint characteristic and live body biological characteristic
Row is united portrayal and is described, and allows this recognition feature obtain the activation of banking system.
Two, anti-ly usurp the countermeasure processing links, depositor's fingerprint characteristic can only be determined in banking system
Use on the flow direction, both the destruction of anti-illegal-inbreak was also guaranteed proof machine one to one
System realizes, ensures the quick respond services of banking system of cross-region.
Three, the authentication processing link of withdrawing the money is carried out biopsy to remittee's fingerprint, collects and records finger by identification
The biological characteristic of line, and with banking system in the fingerprint of depositor login carry out legitimacy and test
Card characterizes out the consistance situation: legal or illegal.
Four, prevent stealing the warning processing links,, normally accept and get according to the legitimacy authentication result
Money or implement to report to the police to illegally falsely using identity.
At last, by the interaction mechanism of warning countermeasure with the monitoring security system, comprehensive enforcement is to stealing the control of behavioral activity, and taker is stolen in containment in time, realizes the guarantee of depositor and the common legitimate rights and interests of bank.
The anti-system applies of stealing technology of living body finger print identification of bank savings and account funds contains five modular structureization parts both depositor's fingerprint part, the identity of withdrawing the money part, live body characteristic, legal authentication section, Control Countermeasure part.These five parts require to form harmonious, orderly treatment scheme according to the banking system Business Stream, in time find outer robber and interior robber's behavior, realize the guarantee characteristic that the behavior throat is stolen in containment.
Depositor's fingerprint partly discharges depositor's fingerprint identity characteristic and comprehensive activation of live body biological characteristic, the legal feature samples sign 2 that mainly contains depositor's identity sign 1 and unite with the account number relevant information; The fingerprint that the identity of withdrawing the money partly obtains the remittee characterizes, mainly contain fingerprint collect and record 3 with feature value 4; The live body characteristic characterizes remittee's active bio feature, mainly contains active induction 5 and activity characterization 6; Legal authentication section is verified the legitimacy of remittee's fingerprint identity, mainly contains depositor's legal feature search engine 7, live body discriminating 8 and finger print identifying 9; Control Countermeasure part is then implemented legal withdrawing the money and is handled or to the warning of illegal identity, mainly contains and legally accepts 10, illegally reports to the police 11.
Relevance between them: identity sign 1 characterizes 2 with legal feature samples and is associated, fingerprint collect and record 3 with feature value 4 associated, live body induction 5 and activity characterization 6 relevant connecing, finger print identifying 9 differentiates 8 with feature value 4, live body respectively, legally accept 10 and 11 associated of illegally reporting to the police, and characterize 2 by legal feature search engine 7 and legal feature samples and be associated, live body differentiate 8 again with activity characterization 6 and illegal 11 associated of reporting to the police.According to the Business Stream of bank, by these related members data stream such as depositor's identity, account information, the identity of withdrawing the money are transmitted harmoniously and handled in an orderly manner, finish the anti-false claiming technical guarantee that savings and account number are withdrawn the money.
The present invention is that the living body finger print identity characteristic with the identification people replaces the password of bank savings account, must through the rights and interests people personally authentication can withdraw the money the safeguards technique that the fund of preventing is stolen.By legitimate verification to the person's of withdrawing the money fingerprint identity, can when withdrawing the money, find illegally to falsely use the identity behavior accurately and timely, and can implement automatically to report to the police, ensure property safety and containment criminal.The present invention gets final product self-organizing system and the interactive operation of banking system, also can the modularizing member mode organically be embedded in the existing banking system, implements the anti-effect that identity is drawn fund of usurping.Applicability of the present invention is wide, can be in banking fund be had to ensure on the processing links that requires highly and be applied that be not subjected to the restriction of existing banking system condition, its advantage concentrates on:
With living body finger print identification biotechnology, stop account identity and be forged and palm off.
Can self-organizing system and banking system is interactive uses, also can be embedded in the banking system and use.
Improve the security and the reliability of banking system operation.
Can realize that many people share account's use by depositor's mandate.
Easy to operate, fingerprint recognition responding fast.
Accompanying drawing 1: schematic diagram block scheme of the present invention.
Accompanying drawing 2: system architecture synoptic diagram of the present invention.
Accompanying drawing 3: depositor's fingerprint login process flow process of the present invention.
Accompanying drawing 4: the fingerprint identity validation treatment scheme of withdrawing the money of the present invention.
Accompanying drawing 5: the shared authorisation process flow process of account of the present invention.
A among the figure is depositor's fingerprint part, and B is the identity part of withdrawing the money, and C is the live body characteristic, and D is legal authentication section, and E is the Control Countermeasure part; 1 is that depositor's identity characterizes, and 2 be that legal feature samples characterizes, and 3 collect and record for fingerprint, and 4 be the feature value, and 5 be active induction, and 6 is activity characterization, and 7 is legal feature search engine, and 8 is the live body discriminating, and 9 is finger print identifying, and 10 is legal accepting, and 11 is illegally warning.
Contrast accompanying drawing 1, people's to be certified authentication is successively by just obtaining the result of legitimacy after the processing of above-mentioned five parts.Partly allow individual's legal information obtain quantitatively and release by depositor's fingerprint; By the finger print information definite value sign of identity part of withdrawing the money with people to be certified; The live body characteristic is resolved sign with remittee's living body biological feature; Respectively these information are sent in the legal authentication section then; Correspondence through live body discriminating and comparison acquisition identity legitimacy characterizes; At last, partly implement the monitoring of withdrawing the money is handled by Control Countermeasure.
Contrast accompanying drawing 2 remittee specifically characterizes 1 activation and characterizes 2 through legal feature samples and discharge (being called depositor's fingerprint part) by depositor's identity; Collect and record 3 by fingerprint and carry out the sign (being called the identity part of withdrawing the money) of remittee's fingerprint to feature value 4; And parse living body biological feature (being called the live body characteristic) to activity characterization 6 by activity induction 5; Analyze the correspondence sign (being called legal authentication section) of the legitimacy that obtains then through legal feature search engine 7, live body discriminating 8 and finger print identifying 9; And the end value that will compare is sent and is is legally accepted 10 or illegally report to the police 11 and the interaction control (being called the Control Countermeasure part) of monitoring security system; Hold the protection of withdrawing the money effectively.
The present invention is applicable to that all kinds of financial institutions to savings and the anti-application places of stealing supervision of account funds payment, ensure fund security and common legitimate rights and interests with this; Both but self-organizing system and existing banking system interaction were to the authentication and the warning of identity, also be convenient to be embedded among the existing all kinds of banks application system, and support and peripheral communication warning and safety monitoring system is friendly is connected, can satisfy the different financial business application needs of socialization.
Claims (7)
1. the core of the technology of stealing is prevented in the identification of the living body finger print of bank savings and account funds, it is the method that the living body finger print personalized biological feature identification of personnel selection replaces depositor's withdraw the money password or account's signature to check, stopped the personation identity, when withdrawing the money, find the false claiming behavior then and there through the authentication of fingerprint legitimacy, and refusal is withdrawn deposit, criminal is cannot succeed, reach the anti-purpose of stealing of guarantee bank savings and account funds.
2. the anti-technology of stealing of the living body finger print of bank savings and account funds identification can self-organizing system and banking system inter-work, also can organically be embedded among the system of bank by the banking requirement by its member, the behavior that money is stolen in discovery in time realizes the anti-technical guarantee of stealing of account funds.
3. the technology of stealing is prevented in the identification of the living body finger print of bank savings and account funds, it is characterized in that by depositor's identity, anti-steal countermeasure, withdraw the money authentication and anti-four processing links of reporting to the police of stealing form: one, depositor's identity processing links, individual fingerprint characteristic and live body biological characteristic to the depositor are united portrayal, and allow this recognition feature obtain the activation of banking system.Two, prevent usurping the countermeasure processing links, depositor's fingerprint characteristic can only be used on the flow direction that banking system is determined, both the destruction of anti-illegal-inbreak guaranteed also that authentication mechanism realized one to one, ensured the quick respond services of banking system of cross-region.Three, the authentication processing link of withdrawing the money is carried out biopsy to remittee's fingerprint, collects and records the biological characteristic of fingerprint by identification, and with banking system in the fingerprint of depositor's login carry out legitimate verification, characterize out the consistance situation: legal or illegal.Four, prevent stealing the warning processing links,, normally accept and withdraw the money or implement to report to the police illegally falsely using identity according to the legitimacy authentication result.At last, by the interaction mechanism of warning countermeasure with the monitoring security system, comprehensive enforcement is to stealing the control of behavioral activity, and taker is stolen in containment in time, realizes the guarantee of depositor and the common legitimate rights and interests of bank.
4. the anti-system applies of stealing technology of the living body finger print of bank savings and account funds identification is characterized in that containing both depositor's fingerprint parts of five modular structureization parts, mainly contains depositor's identity and characterizes (1) and characterize (2) with legal feature samples; The identity of withdrawing the money part mainly contains fingerprint and collects and records (3) and feature value (4); The live body characteristic mainly contains active induction (5) and activity characterization (6); Legal authentication section mainly contains legal feature search engine (7), live body discriminating (8) and finger print identifying (9); The Control Countermeasure part mainly contains legal startup (10), illegal report to the police (11).Relevance between them: identity sign (1) characterizes (2) with legal feature samples and is associated, fingerprint is collected and recorded (3) and feature value (4) associated, live body induction (5) and relevant the connecing of activity characterization (6), finger print identifying (9) is differentiated (8), legal startup (10) and illegal (11) associated of reporting to the police with feature value (4), live body respectively, and characterize (2) by legal feature search engine (7) and legal feature samples and be associated, live body differentiate (8) again with activity characterization (6) and illegal warning (11) associated.According to the Business Stream of bank, by these related members data stream such as depositor's identity, account information, the identity of withdrawing the money are transmitted harmoniously and handled in an orderly manner, finish the anti-false claiming technical guarantee that savings and account number are withdrawn the money.
5. the anti-technology of stealing of the living body finger print of bank savings and account funds identification provides legal authorization mechanism for the account owner, and the people who obtains the authorization can use this account number equally, has solved the technical guarantee of the legal uses of the many people of account.
6. as the antitheft access method of living body finger print identification as described in claim 1 and 2, it is characterized in that, prevent that outer robber from must discern the legitimacy of remittee's true identity, the legitimacy of stealing in preventing then personnel's true identity on duty authenticates.
7. according to the anti-anti-system applies of stealing technology of living body finger print identification of stealing technology and bank savings and account funds of the living body finger print identification of claim 3 and 4 described bank savings and account funds, the segmentation and the structural change of merger can be arranged, be still and meet the described feature instantiation that contains of claim 1.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN 02151743 CN1424687A (en) | 2002-12-30 | 2002-12-30 | Fingerprint identifying security technology for accounts of banks |
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN 02151743 CN1424687A (en) | 2002-12-30 | 2002-12-30 | Fingerprint identifying security technology for accounts of banks |
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| CN1424687A true CN1424687A (en) | 2003-06-18 |
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| CN 02151743 Pending CN1424687A (en) | 2002-12-30 | 2002-12-30 | Fingerprint identifying security technology for accounts of banks |
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Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN107480994A (en) * | 2017-06-23 | 2017-12-15 | 阿里巴巴集团控股有限公司 | A kind of settlement method, access control method and device |
| CN107688940A (en) * | 2017-05-10 | 2018-02-13 | 平安科技（深圳）有限公司 | Bio-identification transaction processing method and system |
| CN111986405A (en) * | 2020-09-01 | 2020-11-24 | 中国银行股份有限公司 | Method and device for verifying withdrawal of common property based on ATM |
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2002
- 2002-12-30 CN CN 02151743 patent/CN1424687A/en active Pending
Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN107688940A (en) * | 2017-05-10 | 2018-02-13 | 平安科技（深圳）有限公司 | Bio-identification transaction processing method and system |
| CN107480994A (en) * | 2017-06-23 | 2017-12-15 | 阿里巴巴集团控股有限公司 | A kind of settlement method, access control method and device |
| CN111986405A (en) * | 2020-09-01 | 2020-11-24 | 中国银行股份有限公司 | Method and device for verifying withdrawal of common property based on ATM |
| CN111986405B (en) * | 2020-09-01 | 2022-04-26 | 中国银行股份有限公司 | Method and device for verifying withdrawal of common property based on ATM |
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