CN104935440A - Authentication method and authentication device for remote opening of financial account - Google Patents
Authentication method and authentication device for remote opening of financial account Download PDFInfo
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- CN104935440A CN104935440A CN201510350826.5A CN201510350826A CN104935440A CN 104935440 A CN104935440 A CN 104935440A CN 201510350826 A CN201510350826 A CN 201510350826A CN 104935440 A CN104935440 A CN 104935440A
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Abstract
Embodiments of the invention provide an authentication method and an authentication device for remote opening of a financial account. The method comprises the steps of acquiring user identification information of a user opening the financial account remotely; according to the user identification information, acquiring identity information of the user corresponding to the user identification, wherein the identity information of the user comprises basic information of the user and/or biological information of the user; and according to the identity information of the user, authenticating the user opening the financial account remotely, if the authentication succeeds, allowing the user opening the financial account remotely to complete an operation to open the financial account remotely. The authentication method and authentication device for remote opening of the financial account can realize remote opening of the financial account, and effectively lower the financial risk.
Description
Technical field
The present invention relates to mobile Internet field, particularly relate to a kind of long-range authentication method and authenticating device setting up finance account.
Background technology
In the prior art, financial institution often still uses conventional methods as during bank card as bank issues financial card to individual, check as user needs in person to carry out identity information to bank agency or the place of specifying, and the handling and turn up service of complete field finance card.And growing along with Internet technology, increasing user wishes to carry out the long-range operation handling card by the Internet, and bank and other financial mechanism also needs to use the mode of long-range processes financial card to increase work efficiency, cost-saving.
Biological identification technology is that to use at present be also comparatively extensively the safest recognition technology simultaneously, it is by identifying that the biological characteristic of people carries out certification to the identity of people, do not need to remember complicated password, more do not need the thing carrying with key, smart card and so on.Biological characteristic due to everyone has the uniqueness different from other people and stability constant over a period to come, is not easy to forge and personation, so utilize biological identification technology to carry out identity identification, has safe, that reliable, accuracy is strong feature.
So-called biological identification technology is combined closely by high-tech means such as computer and optics, acoustics, biology sensor and biostatistics principles exactly, and the physiological property (as fingerprint, appearance, iris etc.) utilizing human body intrinsic and behavioural characteristic (as person's handwriting, sound, gait etc.) carry out the discriminating of personal identification.
At present, biological identification technology is applied in financial institution for user's processes financial card field, effectively can improves fail safe, therefore be widely used.But existingly long-rangely to open an account normally based on user identity certificate, coordinate long-range video authentication, thus be confirmed to be the account-opening that user carries out, but there are the following problems:
1, the essential information such as user identity is verified after still needing user oneself to input again, complex operation;
2, certification is carried out by artificial long-distance video, speed is slower, and video authentication can affect by extraneous factor, as unclear in dark user's face, equipment camera definition not or the people more similar with some biological characteristic of user cannot complete accurate certification (as twins etc.) etc.
Summary of the invention
The invention provides a kind of long-range authentication method and authenticating device setting up finance account, can realize long-rangely setting up finance account, not only simplify the procedures, raise the efficiency, and by the ratio of biological characteristic to more improving fail safe, reduce financial risks.
Embodiments provide a kind of long-range authentication method setting up finance account, described method comprises:
Obtain the long-range user totem information setting up finance account user;
Obtain the identity information of user corresponding to described user ID according to described user totem information, the identity information of described user comprises the essential information of user and/or the biological information of user;
Long-range set up finance account user to carry out certification according to the identity information of described user to described, if authentication success, then allow describedly long-rangely to set up finance account user to complete long-range operation of setting up finance account.
Preferably, if described authentication success, then allow describedly long-rangely to set up finance account user to complete long-range operation of setting up finance account, specifically comprise:
Described long-range when setting up the essential information of finance account user and biological information to mate completely with the subscriber identity information of described acquisition, then authentication success.
Preferably, described method also comprises:
The described long-range essential information of finance account user of setting up is mated with the essential information of the user of described acquisition, and it is described long-range when setting up the biological information of finance account user not mate with the biological information of the user of described acquisition, then allow described user to complete long-range operation of setting up finance account, but the authority of described card and function are limited.
Preferably, the described identity information obtaining user corresponding to described user ID according to described user totem information, specifically comprises:
According to data base querying from described user totem information to banking management system described in the identity information of user corresponding to user totem information;
The identity information of the described user inquired is downloaded on home server.
Preferably, described user ID is ID card No. and/or the phone number of user, the essential information of described user is the information that user reserves when other financial institutions apply for card, and the biological information of described user is the information comprising user behavior characteristic and/or physiological property.
The embodiment of the present invention additionally provides a kind of long-range authenticating device setting up finance account, and described authenticating device comprises:
Acquiring unit, for obtaining the long-range user totem information setting up finance account user, and the identity information of user corresponding to described user ID is obtained according to described user totem information, the identity information of described user comprises the essential information of user and/or the biological information of user;
Authentication ' unit, long-range finance account user is set up to carry out certification for the identity information of described user that gets according to described acquiring unit to described, if authentication success, then allow describedly long-rangely to set up finance account user to complete long-range operation of setting up the authentication method of finance account.
Preferably, described authentication ' unit specifically for when described long-range set up the essential information of finance account user and biological information to mate completely with the subscriber identity information of described acquisition time, then authentication success.
Preferably, described authentication ' unit is also for mating with the essential information of the user of described acquisition when the described long-range essential information of finance account user of setting up, and it is described long-range when setting up the biological information of finance account user not mate with the biological information of the user of described acquisition, then allow described user to complete long-range operation of setting up finance account, but the authority of described card and function are limited.
Preferably, described acquiring unit specifically for according to data base querying from described user totem information to banking management system described in the identity information of user corresponding to user totem information; The identity information of the described user inquired is downloaded on home server.
Preferably, described user ID is ID card No. and/or the phone number of user, the essential information of described user is the information that user reserves when other financial institutions apply for card, and the biological information of described user is the information comprising user behavior characteristic and/or physiological property.
Long-range authentication method and the authenticating device setting up finance account that the embodiment of the present invention provides, has following beneficial effect:
1, carrying out cross-certification by calling the long-range identity information setting up finance account user to store in financial sector, being convenient to user and carrying out remote online and handle card, promote operating efficiency and Consumer's Experience;
2, by setting up finance account user to carry out biometric information authentication to long-range, adding the identification and determination to user identity authenticity, improving the fail safe handling on line fiscard business, reduce financial risks.
Accompanying drawing explanation
In order to be illustrated more clearly in the technical scheme of the embodiment of the present invention, be briefly described gathering the required accompanying drawing used to embodiment or description of the prior art below, apparently, accompanying drawing described below is only some embodiments of the present invention, for those of ordinary skill in the art, under the prerequisite not paying creative work, other accompanying drawing can also be obtained according to these accompanying drawings.
Fig. 1 is the long-range first pass figure setting up the authentication method of finance account that the embodiment of the present invention provides;
Fig. 2 is long-range the second flow chart setting up the authentication method of finance account that the embodiment of the present invention provides;
Fig. 3 is long-range the first structural representation setting up the authenticating device of finance account that the embodiment of the present invention provides;
Fig. 4 is long-range the second structural representation setting up the authenticating device of finance account that the embodiment of the present invention provides.
Embodiment
Below in conjunction with the accompanying drawing in the embodiment of the present invention, be clearly and completely described the technical scheme in the embodiment of the present invention, obviously, described embodiment is the present invention's part embodiment, instead of whole embodiments.Based on embodiments of the invention, those of ordinary skill in the art, not making the every other embodiment obtained under creative work prerequisite, belong to the scope of protection of the invention.
Embodiment one:
Embodiments provide a kind of long-range authentication method setting up finance account, comprising:
S1, obtain the long-range user totem information setting up finance account user;
Wherein said user totem information can be the ID card No. of user and/or the phone number of user, also can be that other uniquely can identify the information of user identity.Describedly long-rangely set up finance account user to refer to just the long-range user setting up finance account, specifically refer to the user intending being applied for a financial card or remote activation finance card by the long-range application of online channel.
Obtaining the long-range user totem information of finance account user of setting up can be specifically that the mode that user manually inputs inputs user totem information, or terminal equipment extracts the user totem information of user by the mode of taking pictures, making a video recording.
S2, obtain the identity information of user corresponding to described user ID according to described user totem information, the identity information of described user comprises the essential information of user and/or the biological information of user;
Wherein: can according to data base querying from described user totem information to banking management system described in the identity information of user corresponding to user ID.Banking management system is the mechanism of managing user identities information in financial industry, can refer to Central Bank of various countries or financial regulator, in China, can be the offices such as the People's Bank, also can be financial institution itself in some cases.The database of banking management system can refer to the database of the People's Bank or the database of financial institution itself.The identity information of user can be downloaded to home server from the database of banking management system to mate, also can directly mate in the database of banking management system.
Home server can be the long-range authenticating device setting up finance account itself.
S3, long-range set up finance account user to carry out certification according to the identity information of described user to described, if authentication success, then allow describedly long-rangely to set up finance account user to complete long-range operation of setting up finance account.
Concrete, if described long-range when setting up the essential information of finance account user and biological information to mate completely with the subscriber identity information of described acquisition, then authentication success, or;
If the described long-range essential information of finance account user of setting up is mated with the user basic information of described acquisition, and it is described long-range when setting up the biological information of finance account user not mate with the user biological information of described acquisition, then allow described user to complete long-range operation of setting up finance account, but the authority of described card and function are limited.
Limit specifically can comprise to the authority of card and function and the amount of card is limited, the service such as sphere of consumption, spending amount, card function of card is limited.
In embodiments of the present invention, if when cannot arrive the identity information of user corresponding to described user ID according to user totem information, also be the identity information not storing this user in banking management system, then long-range authentication method failure of setting up finance account, can require the place that user specifies to financial institution or place processes financial card business.
In embodiments of the present invention, the essential information of described user is the information that user reserves when other financial institutions apply for card, also namely use the embodiment of the present invention provide long-range set up the authentication method of finance account to carry out out card time, what user's need were legal holds financial card, the essential information of such user just can be kept in the database of banking management system, and now the essential information of user comprises the essential information such as name, date of birth, home address, mailbox, phone, work unit of user.
In embodiments of the present invention, the biological information of described user is the information comprising user behavior characteristic and/or physiological property, concrete, the physiological property of described user can refer to the information such as fingerprint, appearance, iris, palmmprint of user, and the behavioural characteristic of user can refer to the information such as person's handwriting, sound, gait of user.
In embodiments of the present invention, the card that user opens include but not limited to bank debit, credit card and other need the financial card of user's real name authentication.
The long-range authentication method setting up finance account that the embodiment of the present invention provides, by realizing data message intercommunication with other financial institutions, obtain the identity information that user stores in other financial institutions, simultaneously by utilizing biological identification technology, strengthen the accuracy to authenticating user identification, ensure that the fail safe of opening and snapping past journey.
In embodiments of the present invention, information interaction is carried out with the database of banking management system, obtain the subscriber identity information that it stores, can be come by the long-range authenticating device of finance account of setting up, this authenticating device can be terminal equipment, also can be server, this server can be perform long-range set up finance account to operate server or background management system come.
In embodiments of the present invention, terminal equipment can be the equipment that smart mobile phone, panel computer etc. possess user biological information collection function.
In embodiments of the present invention, allow describedly long-rangely to set up finance account user to complete long-range operation of setting up finance account, specifically can refer to and allow this system to set up finance account for this, namely this user newly applies for a financial card or the financial card of activation smoothly.
In embodiments of the present invention, the identity information of user can be downloaded to this locality by server from the database of banking management system, then with just mates the user of processes financial card business; The database that the essential information of the user of processes financial card business also can be sent to banking management system by server simultaneously mates.
Embodiment two:
The embodiment of the present invention was handled debit card for user 1 in A bank and was described, and the long-range authentication method of finance account of setting up that the embodiment of the present invention provides comprises:
200, user 1 is when A bank handles debit card, and A bank gathers and stores the identity information of user 1;
Concrete by the essential information of user 1 as the information such as ID card No., address, cell-phone number, mailbox, work unit gather, also gather the biological information of user 1 as at least one in the information such as fingerprint, iris, face palmmprint simultaneously, and above-mentioned information is uploaded in the database of the People's Bank and preserve.
201, when user 1 needs by terminal equipment the bank card handling on line B bank, the app client can clicking the B bank that terminal equipment is downloaded enters the long-range authentication procedure setting up finance account;
202, according to system suggestion, the identity card of user as ID card No., or is according to system suggestion taken pictures and is uploaded by the user totem information of input user 1, and is identified the information such as the ID card No. of user 1 by image identification function;
203, obtain according to the ID card No. of user 1 identity information that user 1 preserves when A opens a bank account, concrete: the ID card No. of user 1 is sent to the database of the People's Bank by server, the identity information of the user 1 that the database root of the People's Bank is preserved according to the ID card No. inquiry of user 1, and the identity information of the user 1 inquired is sent to server;
204, certification is carried out with user 1 after server receives the identity information of user 1, concrete, can the essential information that whether gets from the People's Bank's database with server of the essential information of comparison user 1 whether completely the same, if consistent, essential information certification is passed through, further, can also the biological information that whether gets from the People's Bank's database with server of the biological information of comparison user 1 whether completely the same, if consistent, then biological information also certification pass through.
Wherein: the information that mainly comprises and substantially can not change to user 1 is mated as ID card No. to user 1 essential information, the information such as household register address are examined, to the labile information of appearance as work unit, phone numbers etc. carry out assistant authentification, as ID card No. and household register address completely the same, and the information such as phone number and work unit is completely the same, then the match is successful for essential information, or the information of assistant authentification is basically identical as phone number, in the assistant authentification information such as work unit, most information is all identical, or or in the information list once used user 1, the match is successful then to think essential information, complete certification.
Illustrate: as user 1 in the People's Bank's database one group of data message preserving as follows: " ID card No.: 410323198405025510, household register address: No. 12, Xiangcheng District, Suzhou City of Jiangsu Province one tunnel, cell-phone number: 13333222111, work unit: senior middle school of Suzhou City first ", and the information of active user 1 actual authentication is: " ID card No.: 410323198405025510, household register address: No. 12, Xiangcheng District, Suzhou City of Jiangsu Province one tunnel, cell-phone number: 18666732511, work unit: senior middle school of Suzhou City first ", although the phone number of user 1 there occurs change, but its identity card, the essential informations such as household register address are consistent with the information that the People's Bank preserves, then also think that essential information fits through.
Mate to user 1 biological information biological information such as at least one in fingerprint, palmmprint, iris and appearance mainly comprised the user 1 collected to mate with the biological information got, if completely the same, then the match is successful, completes certification.
If 205 all fit through, then to user 1 authentication success, bank B can open card for user 1.
In embodiments of the present invention, preserve the identity information of the user having handled bank card in the database of the People's Bank, concrete can be a tables of data, and this tables of data can be index with ID card No., also can be take phone number as index.The information of user can be stored according to field in this tables of data, not only have the essential information of user, the biological information etc. of user can also be comprised,
In embodiments of the present invention, the identity information of the user 1 stored in this tables of data, when B bank authentication by time, if preserve in a certain identity information and database not quite identical, as work unit etc., the information that so can more store in new database upon verification.
In embodiments of the present invention, server can from the database of the People's Bank the disposable acquisition essential information of user 1 and biological information, also first can obtain essential information, follow-up when carrying out biological identification, then obtain biological information.
In the step 204 of the embodiment of the present invention, the essential information of all right first match user, if if it fails to match, then points out user to open an account unsuccessfully, if if the match is successful, prompting is opened an account successfully, although but show simultaneously current state open an account success but be conditional to handled card, and prompting is the need of carrying out biological identification, if user selects biological identification, then enter biological identification flow process, concrete, biological identification interface can be ejected in app client, as required, client inputs finger print information, user directly can pass through terminal equipment typing finger print information, the characteristic information that system can extract this fingerprint is transferred in server, server to calling and obtaining user in the database or the storage device of self of the People's Bank once when A bank carries out real-name authentication the finger print information of preservation mate, if the match is successful, the then restriction of open user's card, if it fails to match, then system held is originally to the restriction of user's card.
In embodiments of the present invention, carrying out biological identification to user is the description carried out for fingerprint, concrete, carrying out in biological identification process, in order to strengthen fail safe, certification can also be carried out to the palmmprint of user, iris, appearance, even can also carry out coupling certification to the person's handwriting of user, sound, gait etc.
In embodiments of the present invention, step 202 to step 205 can be complete in the server, also can complete in terminal equipment, or has coordinated with terminal equipment under the instruction of server.
The server of embodiment of the present invention indication refers to the background server of B bank, management system or backstage operation system.
App client in the embodiment of the present invention can be mounted in the app software on smart mobile phone, panel computer, instructs and the long-range certification work setting up finance account of completing user 1 by running app software.
In embodiments of the present invention, user 1 when A financial institution applies for card the identity information reserved all be stored in the database of the People's Bank, can identify according to the feature of subscriber identity information point field in the database of the People's Bank, if the identity information of user 1 when A financial institution applies for card is in a database as a data record, each identity information all stores as a field.
In embodiments of the present invention, perform the above-mentioned operation handling on line bank card and perform by the server of B bank, the database of terminal equipment and the People's Bank can carry out coordinating and assisting accordingly.In the preferred scheme of the present embodiment another one, the above-mentioned operation handling on line bank card of this execution also can perform by terminal equipment, and the server of B bank and the database of the People's Bank carry out corresponding cooperation and assistance.
Embodiment three
With reference to accompanying drawing 3, the embodiment of the present invention additionally provides a kind of long-range authenticating device setting up finance account, and this authenticating device comprises:
Acquiring unit 301, for obtaining the long-range user totem information setting up finance account user, and the identity information of user corresponding to described user ID is obtained according to described user totem information, the identity information of described user comprises the essential information of user and/or the biological information of user;
Authentication ' unit 303, long-range finance account user is set up to carry out certification for the identity information of described user that gets according to described acquiring unit to described, if authentication success, then allow describedly long-rangely to set up finance account user to complete long-range operation of setting up finance account.
In embodiments of the present invention, described authentication ' unit 303 specifically for when described long-range set up the essential information of finance account user and biological information to mate completely with the subscriber identity information of described acquisition time, then authentication success.
In embodiments of the present invention, described authentication ' unit 303 is also for mating with the essential information of the user of described acquisition when the described long-range essential information of finance account user of setting up, and it is described long-range when setting up the biological information of finance account user not mate with the biological information of the user of described acquisition, then allow described user to complete long-range operation of setting up finance account, but the authority of described card and function are limited.
In embodiments of the present invention, described acquiring unit 301 specifically for inquiring about the identity information of user corresponding to described user totem information in the database of banking management system according to described user totem information; The identity information of the described user inquired is downloaded on home server.
In embodiments of the present invention, described user ID is ID card No. and/or the phone number of user, the essential information of described user is the information that user reserves when other financial institutions apply for card, and the biological information of described user is the information comprising user behavior characteristic and/or physiological property.
Embodiment four
With reference to accompanying drawing 4, the embodiment of the present invention additionally provides a kind of long-range authenticating device setting up finance account, this authenticating device comprises memory 401 and processor 403, and described memory 401 is for storage code, and described code comprises: obtain the long-range user totem information setting up finance account user; Obtain the identity information of user corresponding to described user ID according to described user totem information, the identity information of described user comprises the essential information of user and/or the biological information of user; Long-range set up finance account user to carry out certification according to the identity information of described user to described, if authentication success, then allow describedly long-rangely to set up finance account user to complete long-range operation of setting up finance account;
Described processor 403 is for performing the code stored in described memory 401.
In an embodiment of the invention, the code stored in described memory 401 also comprises:
Described long-range when setting up the essential information of finance account user and biological information to mate completely with the subscriber identity information of described acquisition, then authentication success.
The described long-range essential information of finance account user of setting up is mated with the essential information of the user of described acquisition, and it is described long-range when setting up the biological information of finance account user not mate with the biological information of the user of described acquisition, then allow described user to complete long-range operation of setting up finance account, but the authority of described card and function are limited.
In the database of banking management system, the identity information of user corresponding to described user totem information is inquired about according to described user totem information; The identity information of the described user inquired is downloaded on home server.
Described user ID is ID card No. and/or the phone number of user, and the essential information of described user is the information that user reserves when other financial institutions apply for card, and the biological information of described user is the information comprising user behavior characteristic and/or physiological property.
It should be noted that, the server in embodiment three and embodiment four is corresponding with embodiment one and embodiment two, and the place of not detailed description in embodiment three and embodiment four, can with reference to the description in embodiment one and embodiment two.
Should be appreciated that, in various embodiment of the present invention, in above-mentioned each process sequence number size and do not mean that the priority of execution sequence, the execution sequence of each process should be determined with its function and internal logic, and should not form any restriction to the implementation process of the embodiment of the present invention.
In addition, term " system " and " network " are often used interchangeably in this article herein.Term "and/or" herein, being only a kind of incidence relation describing affiliated partner, can there are three kinds of relations in expression, and such as, A and/or B, can represent: individualism A, exists A and B simultaneously, these three kinds of situations of individualism B.In addition, character "/" herein, general expression forward-backward correlation is to the relation liking a kind of "or".
Those of ordinary skill in the art can recognize, in conjunction with unit and the algorithm steps of each example of embodiment disclosed herein description, can realize with electronic hardware, computer software or the combination of the two, in order to the interchangeability of hardware and software is clearly described, generally describe composition and the step of each example in the above description according to function.Or actually these functions perform with hardware software mode, depend on application-specific and the design constraint of technical scheme.Professional and technical personnel can use distinct methods to realize described function to each specifically should being used for, but this realization should not thought and exceeds scope of the present invention.
Those skilled in the art can have a clear understanding of, and for convenience of description and succinctly, the specific works process of the system of foregoing description, device and unit, with reference to the corresponding process in preceding method embodiment, can not repeat them here.
In several embodiments that the application provides, should be understood that disclosed system, apparatus and method can realize in other way.Such as, device embodiment described above is only schematic, the such as division of described unit, only that a kind of logic function divides, actual can have other dividing mode when realizing, such as multiple unit or assembly can in conjunction with or a system can be inherited, or some features can be ignored, or do not perform.In addition, shown or discussed coupling each other or direct-coupling or communication connection can be indirect coupling by some interfaces, device or unit or communication connection, also can be electric, machinery or other form connect.
The described unit illustrated as separating component can or can not be physically separate, and the parts as unit display can be or may not be physical location, namely can be positioned at a place, or also can be distributed in multiple network element.Some or all of unit wherein can be selected according to the actual needs to realize the object of embodiment of the present invention scheme.
In addition, each functional unit in each embodiment of the present invention can be integrated in a processing unit, and also can be that the independent physics of unit exists, also can be that two or more unit are integrated in a unit.Namely above-mentioned integrated unit can adopt the form of hardware to realize, and the form of SFU software functional unit also can be adopted to realize.
Through the above description of the embodiments, those skilled in the art can be well understood to the present invention can use hardware implementing, or software simulating, or their compound mode realizes.When implemented in software, can see that above-mentioned functions is stored in computer-readable medium or as the one or more instruction on computer-readable medium or code to transmit.Computer-readable medium comprises computer-readable storage medium and communication media, and wherein communication media comprises any medium being convenient to transmit computer program from a place to another place.Storage medium can be any medium that computer can access.Be not limited to as example: computer-readable medium can comprise RAM, ROM, EEPROM, CD-ROM or other optical disc storage, magnetic disk media or other magnetic storage apparatus or can be used in carrying or storing the expectation with instruction or data structure form program code and can by any other medium of computer access.In addition, any connection can be suitable become computer-readable medium, such as, if software be use coaxial cable, optical fiber cable, twisted-pair feeder, the wireless technology of Digital Subscriber Line (SDL) or such as infrared ray, radio and microwave and so on is included in affiliated medium fixing in.Dish as used in the present invention (Disk) and dish (Disc) comprise compression laser disc (CD), laser dish, laser disc, Digital Versatile Disc (DVD), floppy disk and Blu-ray Disc, the copy data of the usual magnetic of its mid-game, dish then carrys out the copy data of optics with laser.Combination above also should be included within the protection range of computer-readable medium.
In a word, the foregoing is only the preferred embodiment of technical solution of the present invention, be not intended to limit protection scope of the present invention.Within the spirit and principles in the present invention all, any amendment done, equivalent replacement, improvement etc., all should be included within protection scope of the present invention.
Claims (10)
1. the long-range authentication method setting up finance account, is characterized in that, described method comprises:
Obtain the long-range user totem information setting up finance account user;
Obtain the identity information of user corresponding to described user ID according to described user totem information, the identity information of described user comprises the essential information of user and/or the biological information of user;
Long-range set up finance account user to carry out certification according to the identity information of described user to described, if authentication success, then allow describedly long-rangely to set up finance account user to complete long-range operation of setting up finance account.
2. method according to claim 1, is characterized in that, if described authentication success, then allows describedly long-rangely to set up finance account user to complete long-range operation of setting up finance account, specifically comprises:
Described long-range when setting up the essential information of finance account user and biological information to mate completely with the subscriber identity information of described acquisition, then authentication success.
3. method according to claim 2, is characterized in that, described method also comprises:
The described long-range essential information of finance account user of setting up is mated with the essential information of the user of described acquisition, and it is described long-range when setting up the biological information of finance account user not mate with the biological information of the user of described acquisition, then allow described user to complete long-range operation of setting up finance account, but the authority of described card and function are limited.
4. method according to claim 1, is characterized in that, the described identity information obtaining user corresponding to described user ID according to described user totem information, specifically comprises:
According to data base querying from described user totem information to banking management system described in the identity information of user corresponding to user totem information;
The identity information of the described user inquired is downloaded on home server.
5. according to the arbitrary described method of Claims 1-4, it is characterized in that, described user ID is ID card No. and/or the phone number of user, the essential information of described user is the information that user reserves when other financial institutions apply for card, and the biological information of described user is the information comprising user behavior characteristic and/or physiological property.
6. the long-range authenticating device setting up finance account, is characterized in that, described authenticating device comprises:
Acquiring unit, for obtaining the long-range user totem information setting up finance account user, and the identity information of user corresponding to described user ID is obtained according to described user totem information, the identity information of described user comprises the essential information of user and/or the biological information of user;
Authentication ' unit, long-range finance account user is set up to carry out certification for the identity information of described user that gets according to described acquiring unit to described, if authentication success, then allow describedly long-rangely to set up finance account user to complete long-range operation of setting up the authentication method of finance account.
7. authenticating device according to claim 6, is characterized in that, described authentication ' unit specifically for when described long-range set up the essential information of finance account user and biological information to mate completely with the subscriber identity information of described acquisition time, then authentication success.
8. authenticating device according to claim 7, it is characterized in that, described authentication ' unit is also for mating with the essential information of the user of described acquisition when the described long-range essential information of finance account user of setting up, and it is described long-range when setting up the biological information of finance account user not mate with the biological information of the user of described acquisition, then allow described user to complete long-range operation of setting up finance account, but the authority of described card and function are limited.
9. authenticating device according to claim 6, is characterized in that, described acquiring unit specifically for according to data base querying from described user totem information to banking management system described in the identity information of user corresponding to user totem information; The identity information of the described user inquired is downloaded on home server.
10. according to the arbitrary described authenticating device of claim 6 to 9, it is characterized in that, described user ID is ID card No. and/or the phone number of user, the essential information of described user is the information that user reserves when other financial institutions apply for card, and the biological information of described user is the information comprising user behavior characteristic and/or physiological property.
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