CN104935440B - The long-range authentication method and authenticating device for setting up finance account - Google Patents
The long-range authentication method and authenticating device for setting up finance account Download PDFInfo
- Publication number
- CN104935440B CN104935440B CN201510350826.5A CN201510350826A CN104935440B CN 104935440 B CN104935440 B CN 104935440B CN 201510350826 A CN201510350826 A CN 201510350826A CN 104935440 B CN104935440 B CN 104935440B
- Authority
- CN
- China
- Prior art keywords
- user
- information
- finance account
- identity information
- long
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Expired - Fee Related
Links
Landscapes
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
An embodiment of the present invention provides a kind of long-range authentication methods and authenticating device for setting up finance account, wherein the method includes obtaining the user identity information for remotely setting up finance account user；The identity information of user corresponding to the user identifier is obtained according to the user identity information, the identity information of the user includes the essential information of user and/or the biological information of user；According to the identity information of the user to it is described it is long-range set up finance account user and be authenticated, if certification success, allow described long-range to set up finance account user and complete remotely to set up the operation of finance account.The long-range authentication method and authenticating device for setting up finance account that the embodiment of the present invention is provided, may be implemented remotely to set up finance account, and effectively reduce financial risks.
Description
Technical field
The present invention relates to mobile Internet field more particularly to a kind of long-range authentication method and certifications for setting up finance account
Equipment.
Background technology
In the prior art, often or using biography when such as bank of financial institution issues financial card such as bank card to individual
The method of system, as user needs to carry out identity information verification, and complete field gold to bank agency or specified place in person
Melt card handle and turn up service.And it is growing with Internet technology, more and more users wish to by mutual
Networking remotely handle the operation of card, and bank and other financial mechanism is also required to come using the mode of long-range processes financial card
Working efficiency is improved, it is cost-effective.
Biological identification technology is to use at present relatively broad while being also safe identification technology the most convenient, it passes through knowledge
Others' biological characteristic is authenticated the identity of people, need not remember complicated password, need not more carry key,
The thing of smart card etc.Since everyone biological characteristic has the uniqueness different from other people and over a period to come not
The stability of change, it is not easy to forge and personation has safe and reliable, accurate so carrying out identity identification using biological identification technology
The strong feature of true property.
So-called biological identification technology is exactly by computer and optics, acoustics, biosensor and biostatistics principle
Etc. high-tech means be intimately associated, using the intrinsic physiological property of human body (such as fingerprint, face phase, iris) and behavioural characteristic is (such as
Person's handwriting, sound, gait etc.) carry out the discriminating of personal identification.
Currently, it is user's processes financial card field that biological identification technology, which is applied in financial institution, can effectively improve
Safety, therefore be widely used.But it is existing remotely to open an account typically based on user identity certificate, coordinate long-range regard
Frequency certification, to confirm the account-opening for being user's progress, but there are the following problems：
1, the essential informations such as user identity are verified again after still needing user oneself to input, cumbersome；
2, it is authenticated by artificial long-distance video, speed is slower, and video authentication can be influenced by extraneous factor, such as
Dark user's face is unclear, equipment camera clarity is inadequate or the more similar people with the certain biological characteristics of user
It can not complete accurate certification (such as twins) etc..
Invention content
The present invention provides a kind of long-range authentication methods and authenticating device for setting up finance account, can realize and remotely set up gold
Melt account, not only simplifies the procedures, improves efficiency, and finance is reduced to can more improve safety by the ratio to biological characteristic
Risk.
An embodiment of the present invention provides a kind of long-range authentication method for setting up finance account, the method includes：
Obtain the user identity information for remotely setting up finance account user；
The identity information of user corresponding to the user identifier, the body of the user are obtained according to the user identity information
Part information includes the essential information of user and/or the biological information of user；
According to the identity information of the user to it is described it is long-range set up finance account user and be authenticated, if certification at
Work(then allows the long-range operation set up finance account user completion and remotely set up finance account；
If certification success, allow described long-range to set up finance account user and complete remotely to set up finance account
Operation, specifically includes：
The subscriber identity information of the long-range essential information and biological information and the acquisition for setting up finance account user
When exactly matching, then certification success；
The long-range essential information for setting up finance account user is matched with the essential information of the user of the acquisition, and institute
When stating the long-range biological information mismatch for setting up the biological information of finance account user and the user of the acquisition, then described in permission
User completes remotely to set up the operation of finance account, but the permission and function of the finance account to remotely setting up limit.
Preferably, the identity information that user corresponding to the user identifier is obtained according to the user identity information,
It specifically includes：
Corresponding to user identity information described in data base querying according to from the user identity information to banking management system
The identity information of user；
It will be on the locally downloading server of identity information of the user that inquired.
Preferably, the user identifier is the ID card No. and/or phone number of user, the essential information of the user
The information that user reserves when other financial institutions apply for card, the biological information of the user be comprising user behavior characteristic and/
Or the information of physiological property.
The embodiment of the present invention additionally provides a kind of long-range authenticating device for setting up finance account, and the authenticating device includes：
Acquiring unit is marked for obtaining the long-range user identity information for setting up finance account user, and according to the user
Know the identity information of user corresponding to user identifier described in acquisition of information, the identity information of the user includes the basic letter of user
The biological information of breath and/or user；
The identity information of authentication unit, the user for being got according to the acquiring unit is remotely set up to described
Finance account user is authenticated, if certification success, allows described long-range to set up finance account user and complete remotely to set up
The operation of the authentication method of finance account；
The authentication unit be specifically used for when the long-range essential information for setting up finance account user and biological information with
When the subscriber identity information of the acquisition exactly matches, then certification success；
The authentication unit is additionally operable to the use when the long-range essential information and the acquisition for setting up finance account user
The essential information at family matches, and the long-range biology letter for setting up the biological information of finance account user and the user of the acquisition
When breath mismatches, then the user is allowed to complete remotely to set up the operation of finance account, but the finance account to remotely setting up
Permission and function are limited.
Preferably, the acquiring unit is specifically used for according to the user identity information to the database of banking management system
Inquire the identity information of user corresponding to the user identity information；The identity information of the user inquired is downloaded to this
On ground server.
Preferably, the user identifier is the ID card No. and/or phone number of user, the essential information of the user
The information that user reserves when other financial institutions apply for card, the biological information of the user be comprising user behavior characteristic and/
Or the information of physiological property.
The long-range authentication method and authenticating device for setting up finance account that the embodiment of the present invention is provided, has beneficial below
Effect：
1, recognized by calling remotely to set up the identity information that finance account user is stored in financial system and intersect
Card carries out remote online convenient for user and handles card, promotes working efficiency and user experience；
2, it by carrying out biometric information authentication to remotely setting up finance account user, increases to user identity authenticity
Identification and confirmation, improve the safety for handling on line financial card business, reduce financial risks.
Description of the drawings
In order to illustrate the technical solution of the embodiments of the present invention more clearly, will be converged below to embodiment or description of the prior art
Total required attached drawing is briefly described, it should be apparent that, drawings discussed below is only some implementations of the present invention
Example, for those of ordinary skill in the art, without creative efforts, can also obtain according to these attached drawings
Obtain other attached drawings.
Fig. 1 is the first pass figure for the long-range authentication method for setting up finance account that the embodiment of the present invention is provided；
Fig. 2 is the second flow chart for the long-range authentication method for setting up finance account that the embodiment of the present invention is provided；
Fig. 3 is the first structure schematic diagram for the long-range authenticating device for setting up finance account that the embodiment of the present invention is provided；
Fig. 4 is the second structural schematic diagram of the long-range authenticating device for setting up finance account that the embodiment of the present invention is provided.
Specific implementation mode
Following will be combined with the drawings in the embodiments of the present invention, and technical solution in the embodiment of the present invention carries out clear, complete
Site preparation describes, it is clear that described embodiments are some of the embodiments of the present invention, instead of all the embodiments.Based on this hair
Bright embodiment, the every other implementation that those of ordinary skill in the art are obtained without creative efforts
Example, shall fall within the protection scope of the present invention.
Embodiment one：
An embodiment of the present invention provides a kind of long-range authentication methods for setting up finance account, including：
S1, the user identity information for remotely setting up finance account user is obtained；
The wherein described user identity information can be the ID card No. of user and/or the phone number of user, can also
It is the information of other energy unique identification user identity.It is described that long-range to set up finance account user refer to remotely setting up financial account
The user at family, in particular to the quasi- use for remotely applying for the financial card of application one or the financial card of long-range activation by online channel
Family.
It can be specifically user by the side that is manually entered to obtain and remotely set up the user identity information of finance account user
Formula inputs user identity information or terminal device extracts the user identity information of user by way of taking pictures, imaging.
S2, the identity information that user corresponding to the user identifier is obtained according to the user identity information, the user
Identity information include the essential information of user and/or the biological information of user；
Wherein：It can user identifier institute described in the data base querying according to the user identity information to banking management system
The identity information of corresponding user.Banking management system is the mechanism that subscriber identity information is managed in financial industry, can refer to various countries
Central Bank or financial regulator can be the organs such as the People's Bank in China, can also be financial institution in some cases
Itself.The database of banking management system can refer to the database of the People's Bank or the database of financial institution itself.It can incite somebody to action
The identity information of user can also directly exist from being matched on locally downloading server in the database of banking management system
It is matched in the database of banking management system.
Local server can be the authenticating device itself for remotely setting up finance account.
S3, according to the identity information of the user to it is described it is long-range set up finance account user and be authenticated, if certification
Success then allows the long-range operation set up finance account user completion and remotely set up finance account.
Specifically, if the use of the long-range essential information and biological information and the acquisition for setting up finance account user
When family identity information exactly matches, then certification success, or；
If the long-range essential information for setting up finance account user is matched with the user basic information of the acquisition, and
When the long-range biological information for setting up finance account user and the user biological information of the acquisition mismatch, then described in permission
User completes remotely to set up the operation of finance account, but limits the permission and function of the card.
Permission and function to card carry out limiting can specifically include limiting the amount of card, disappear to card
The services such as expense range, spending amount, card function are limited.
In embodiments of the present invention, if the body of user corresponding to the user identifier can not be arrived according to user identity information
The identity information for not storing the user when part information namely in banking management system, then remotely set up recognizing for finance account
Card method fails, the place that user can be required to be specified to financial institution or place processes financial card business.
In embodiments of the present invention, the essential information of the user is the letter that user reserves when other financial institutions apply for card
Breath, namely when the long-range authentication method for setting up finance account provided using the embodiment of the present invention carries out out card, Yong Huxu
Legal holds financial card, and the essential information of such user can just be stored in the database of banking management system, use at this time
The essential information at family includes the essential informations such as name, date of birth, home address, mailbox, phone, the work unit of user.
In embodiments of the present invention, the biological information of the user includes user behavior characteristic and/or physiological property
Information, specifically, the physiological property of the user can refer to the information such as the fingerprint of user, face phase, iris, palmmprint, and user
Behavioural characteristic can refer to the information such as the person's handwriting, sound, gait of user.
In embodiments of the present invention, the card that user is opened includes but not limited to bank debit, credit card and other need
Want the financial card of user's real name authentication.
The long-range authentication method for setting up finance account that the embodiment of the present invention is provided, by being realized with other financial institutions
Data information intercommunication, to obtain the identity information that user stores in other financial institutions, while by using biological identification technology,
Enhance the accuracy to authenticating user identification, ensure that and open the safety for snapping past journey.
In embodiments of the present invention, information exchange is carried out with the database of banking management system, obtains the user of its storage
Identity information can be completed by remotely setting up the authenticating device of finance account, which can be terminal device, also may be used
To be server, which can be that the server of finance account operation is remotely set up in execution or background management system has come
At.
In embodiments of the present invention, terminal device can be that smart mobile phone, tablet computer etc. have user biological information and adopt
Collect the equipment of function.
In embodiments of the present invention, allow the long-range behaviour for setting up finance account user completion and remotely setting up finance account
Make, can refer to specifically that the system is allowed to be that this sets up finance account, i.e., the user smoothly newly apply a financial card or
The financial card of activation.
In embodiments of the present invention, server can be by the identity information of user under in the database of banking management system
It is downloaded to local, then with is just matched in the user of processes financial card business；Server can also be by processes financial simultaneously
The database that the essential information of the user of card business is sent to banking management system matches.
Embodiment two：
The embodiment of the present invention was described by user 1 for A banks handle debit card, and the embodiment of the present invention is provided
The long-range authentication method for setting up finance account include：
200, when A banks handle debit card, A banks acquire and store the identity information of user 1 user 1；
Specifically by the information such as the essential information of user 1 such as ID card No., address, cell-phone number, mailbox, work unit into
Acquisition is gone, while also at least one of information such as biological information such as fingerprint, iris, face palmmprint of acquisition user 1, and will
Above- mentioned information is uploaded in the database of the People's Bank and is preserved.
201, when user 1 needs to handle on line the bank card of B banks by terminal device, terminal device or more can be clicked
The app clients of the B banks of load enter the authentication procedure for remotely setting up finance account；
202, according to system suggestion, the user identity information such as ID card No. of user 1 is inputted, or according to system suggestion
The information such as the ID card No. that the identity card of user is taken pictures upload, and identifies by image identification function user 1；
203, the identity information that user 1 preserves when A opens a bank account is obtained according to the ID card No. of user 1, specifically
's：The ID card No. of user 1 is sent to the database of the People's Bank by server, and the database root of the People's Bank is according to user 1
The identity information of user 1 that preserves of ID card No. inquiry, and the identity information of the user 1 inquired is sent to service
Device；
204, server is authenticated after receiving the identity information of user 1 with user 1, specifically, user 1 can be compared
The essential information that whether is got from the People's Bank's database with server of essential information it is whether completely the same, if one
Cause, essential information certification passes through, further, can also compare user 1 biological information whether with server from the People's Bank
Whether the biological information got in database is completely the same, if unanimously, also certification passes through biological information.
Wherein：To 1 essential information of user match it is main include to user 1 substantially will not changed information such as
The information such as ID card No., household register address are verified, to information such as work unit, phone number for being easy to happen variation etc. into
Row assistant authentification, as ID card No. and household register address are completely the same, and the information such as phone number and work unit complete one
It causes, then essential information successful match or the almost the same such as phone number of the information of assistant authentification, work unit's assistant authentification
Most information is all identical in information, or or in user 1 once used information list, then it is assumed that essential information matching at
Work(completes certification.
It illustrates：One group of data information as user 1 is preserved in the People's Bank's database is as follows：" ID card No.：
410323198405025510, household register address：Suzhou City of Jiangsu Province Xiangcheng District is through No. 12 all the way, cell-phone number：13333222111,
Work unit：The first senior middle school of Suzhou City ", and the information of 1 actual authentication of active user is：" ID card No.：
410323198405025510, household register address：Suzhou City of Jiangsu Province Xiangcheng District is through No. 12 all the way, cell-phone number：18666732511,
Work unit：The first senior middle school of Suzhou City ", although the phone number of user 1 is changed, its identity card, household register
The essential informations such as location are consistent with the information that the People's Bank preserves, then are also considered as essential information and fit through.
To 1 biological information of user match it is main include to the biological information of collected user 1 for example fingerprint, palmmprint,
At least one of iris and face phase are matched with the biological information got, if completely the same, successful match is completed
Certification.
If 205, all fitted through, to 1 certification of user success, bank B can be that user 1 opens card.
In embodiments of the present invention, the identity for the user for having handled bank card is preserved in the database of the People's Bank
Information, the specific can be that a tables of data, it is index which, which can be with ID card No., can also be with cell-phone number
Code is index.The information of user can be stored in the tables of data according to field, not only have the essential information of user, may be used also
With the biological information etc. including user,
In embodiments of the present invention, the identity information of the user 1 stored in the tables of data passes through when in B bank authentications
When, if a certain identity information with not quite identical, such as work unit is preserved in database, then can upon verification more
The information stored in new database.
In embodiments of the present invention, server can disposably obtain the base of user 1 from the database of the People's Bank
This information and biological information can also first obtain essential information, subsequently when carrying out biological identification, then obtain biological information.
In the step 204 of the embodiment of the present invention, the essential information of user can also be first matched, if if it fails to match,
Then user is prompted to open an account unsuccessfully；If prompting success of opening an account if successful match, but show although current state is opened an account simultaneously
Through success but it is conditional to the card handled, and prompts whether to need to carry out biological identification, if user selects life
Object certification then such as requires client to input into biological identification flow specifically, can pop up biological identification interface in app clients
Finger print information, user can be directly by terminal device typing finger print informations, and system can extract the characteristic information transmission of the fingerprint
Into server, server calling and obtaining user into the database or the storage device of itself of the People's Bank was once carried out in A banks
The finger print information preserved when real-name authentication is matched, if successful match, opens the limitation of user's card, if it fails to match,
Then system maintains the limitation to user's card originally.
In embodiments of the present invention, to user carry out biological identification be the description carried out by taking fingerprint as an example, specifically, into
During row biological identification, in order to enhance safety, the palmmprint, iris, face of user can also be mutually authenticated, or even may be used also
Matching certification is carried out with the person's handwriting, sound, gait etc. to user.
In embodiments of the present invention, step 202 can complete in the server to step 205, can also be set in terminal
Standby middle completion, or coordinate with terminal device under the instruction of server and complete.
The server of meaning of the embodiment of the present invention refers to the background server of B banks, management system or backstage operation system
System.
App clients in the embodiment of the present invention can be mounted in smart mobile phone, the app softwares on tablet computer, lead to
Operation app softwares are crossed to instruct and complete the long-range certification work for setting up finance account of user 1.
In embodiments of the present invention, the identity information that user 1 reserves when A financial institutions apply for card all is saved in people
In the database of people bank, field can be divided into rower in the database of the People's Bank according to the feature of subscriber identity information
Know, if identity information of the user 1 when A financial institutions apply for card is used as a data to record in the database, each identity information
Stored as a field.
In embodiments of the present invention, the above-mentioned operation for handling on line bank card is executed to be executed by the server of B banks,
Terminal device and the database of the People's Bank can be carried out coordinating accordingly and be assisted.Another preferred scheme in the present embodiment
In, the above-mentioned operation for handling on line bank card of the execution can also be executed by terminal device, the server of B banks and the people
The database of bank carries out corresponding cooperation and assists.
Embodiment three
With reference to attached drawing 3, the embodiment of the present invention additionally provides a kind of long-range authenticating device for setting up finance account, which sets
It is standby to include：
Acquiring unit 301, for obtaining the long-range user identity information for setting up finance account user, and according to the user
Identification information obtains the identity information of user corresponding to the user identifier, and the identity information of the user includes the basic of user
Information and/or the biological information of user；
Authentication unit 303, the identity information of the user for being got according to the acquiring unit is to described long-range
Finance account user is set up to be authenticated, if certification success, allow it is described it is long-range set up finance account user complete it is long-range
Set up the operation of finance account.
In embodiments of the present invention, the authentication unit 303 is specifically used for remotely setting up finance account user's when described
When essential information and biological information and the subscriber identity information of the acquisition exactly match, then certification success.
In embodiments of the present invention, the authentication unit 303 is additionally operable to when the long-range base for setting up finance account user
This information is matched with the essential information of the user of the acquisition, and long-range biological information and the institute for setting up finance account user
When stating the biological information mismatch of the user of acquisition, then the user is allowed to complete remotely to set up the operation of finance account, but right
The permission and function of the card are limited.
In embodiments of the present invention, the acquiring unit 301 is specifically used for being managed to finance according to the user identity information
The identity information of user corresponding to the user identity information is inquired in the database of reason system；By the user's inquired
On the locally downloading server of identity information.
In embodiments of the present invention, the user identifier is the ID card No. and/or phone number of user, the user
Essential information be information that user reserves when other financial institutions apply for card, the biological information of the user be include user's row
For characteristic and/or the information of physiological property.
Example IV
With reference to attached drawing 4, the embodiment of the present invention additionally provides a kind of long-range authenticating device for setting up finance account, which sets
Standby includes memory 401 and processor 403, and the memory 401 is used for store code, and the code includes：Acquisition is remotely set
The user identity information of vertical finance account user；User corresponding to the user identifier is obtained according to the user identity information
The identity information of identity information, the user includes the essential information of user and/or the biological information of user；According to the user
Identity information to it is described it is long-range set up finance account user and be authenticated, if certification success, allow described remotely to set up
Finance account user completes remotely to set up the operation of finance account；
The processor 403 is for executing the code stored in the memory 401.
In an embodiment of the invention, the code stored in the memory 401 further includes：
The subscriber identity information of the long-range essential information and biological information and the acquisition for setting up finance account user
When exactly matching, then certification success.
The long-range essential information for setting up finance account user is matched with the essential information of the user of the acquisition, and institute
When stating the long-range biological information mismatch for setting up the biological information of finance account user and the user of the acquisition, then described in permission
User completes remotely to set up the operation of finance account, but limits the permission and function of the card.
It is right that the user identity information institute is inquired into the database of banking management system according to the user identity information
Using the identity information at family；It will be on the locally downloading server of identity information of the user that inquired.
The user identifier is the ID card No. and/or phone number of user, and the essential information of the user is user
The biological information of the information reserved when other financial institutions apply for card, the user is comprising user behavior characteristic and/or physiology
The information of characteristic.
It should be noted that the server in embodiment three and example IV is corresponding with embodiment one and embodiment two,
The place of not detailed description, the description being referred in embodiment one and embodiment two in embodiment three and example IV.
It should be understood that in various embodiments of the present invention, it is above-mentioned it is each during serial number size be not meant to execute it is suitable
The execution sequence of the priority of sequence, each process should be determined by its function and internal logic, the implementation without coping with the embodiment of the present invention
Process constitutes any restriction.
In addition, the terms " system " and " network " are often used interchangeably herein.The terms " and/
Or ", only a kind of incidence relation of description affiliated partner, indicates may exist three kinds of relationships, for example, A and/or B, it can be with table
Show：Individualism A exists simultaneously A and B, these three situations of individualism B.In addition, character "/" herein, typicallys represent front and back
Affiliated partner is a kind of relationship of "or".
Those of ordinary skill in the art may realize that lists described in conjunction with the examples disclosed in the embodiments of the present disclosure
Member and algorithm steps, can be realized with electronic hardware, computer software, or a combination of the two, in order to clearly demonstrate hardware
With the interchangeability of software, each exemplary composition and step are generally described according to function in the above description.This
A little functions are implemented in hardware or software actually, depend on the specific application and design constraint of technical solution.
Professional technician can use different methods to achieve the described function each specific application, but this realization
It should not be considered as beyond the scope of the present invention.
Those skilled in the art is apparent that, for convenience of description and succinctly, the system of foregoing description,
The specific work process of device and unit, can refer to corresponding processes in the foregoing method embodiment, and details are not described herein.
In several embodiments provided herein, it should be understood that disclosed systems, devices and methods, it can be with
It realizes in other way.For example, the apparatus embodiments described above are merely exemplary, such as the unit is drawn
Divide, only a kind of division of logic function, formula that in actual implementation, there may be another division manner, such as multiple units or component
Can combine can either inherit to a system or some features can be ignored or not executed.In addition, shown or beg for
Either direct-coupling or communication connection can be by the indirect of some interfaces, device or unit for the mutual coupling of opinion
Coupling or communication connection can also be electricity, mechanical or other form connections.
The unit illustrated as separating component may or may not be to be physically separated, and be shown as unit
Component may or may not be physical unit, you can be located at a place, or may be distributed over multiple nets
On network unit.Some or all of unit therein can be selected according to the actual needs to realize the embodiment of the present invention
Purpose.
In addition, each functional unit in each embodiment of the present invention can be integrated in a processing unit, it can also
It is that each unit physically exists alone, can also be that two or more units are integrated in a unit.Above-mentioned integrated list
Member can be realized in the form of hardware, can also be realized in the form of SFU software functional unit.
Through the above description of the embodiments, it is apparent to those skilled in the art that the present invention can be with
It is realized with hardware realization or software realization or combination thereof mode.When implemented in software, it can see above-mentioned work(
Can storage in computer-readable medium or as on computer-readable medium one or more instructions or code be transmitted.
Computer-readable medium includes computer storage media and communication media, and wherein communication media includes convenient for from a place to another
Any medium of one place transmission computer program.Storage medium can be any medium that computer can access.With this
For but be not limited to：Computer-readable medium may include that RAM, ROM, EEPROM, CD-ROM or other optical disc storages, disk are situated between
Matter or other magnetic storage apparatus or can be used in carry or store with instruction or data structure form desired program
Code simultaneously can be by any other medium of computer access.In addition, any connection appropriate can become computer-readable Jie
Matter, for example, if software be using coaxial cable, optical fiber cable, twisted-pair feeder, Digital Subscriber Line (SDL) or such as infrared ray,
The wireless technology of radio and microwave etc be included in belonging to medium fixing in.Disk (Disk) and dish as used in the present invention
(Disc) include compressing optical disc (CD), laser disc, optical disc, Digital Versatile Disc (DVD), floppy disk and Blu-ray Disc, which disk is logical
Often magnetic replicate data, and dish is then with laser come optical replicate data.Above combination above should also be as being included in computer can
Within the protection domain for reading medium.
In short, the foregoing is merely the preferred embodiment of technical solution of the present invention, it is not intended to limit the present invention's
Protection domain.All within the spirits and principles of the present invention, any modification, equivalent replacement, improvement and so on should be included in
Within protection scope of the present invention.
Claims (6)
1. a kind of long-range authentication method for setting up finance account, which is characterized in that the method includes：
Obtain the user identity information for remotely setting up finance account user；
The identity information of user corresponding to the user identifier, the identity letter of the user are obtained according to the user identity information
Breath includes the essential information of user and/or the biological information of user；
According to the identity information of the user to it is described it is long-range set up finance account user and be authenticated, if certification success,
Allow the long-range operation set up finance account user completion and remotely set up finance account；
If the certification success, allow the long-range behaviour for setting up finance account user completion and remotely setting up finance account
Make, specifically includes：
The long-range essential information for setting up finance account user and biological information and the subscriber identity information of the acquisition are complete
When matching, then certification success；
The long-range essential information for setting up finance account user is matched with the essential information of the user of the acquisition, and described remote
When the biological information that journey sets up the biological information of finance account user and the user of the acquisition mismatches, then allow the user
The long-range operation for setting up finance account is completed, but the permission and function of the finance account to remotely setting up limit.
2. according to the method described in claim 1, it is characterized in that, described obtain the user according to the user identity information
The identity information of the corresponding user of mark, specifically includes：
User corresponding to user identity information described in data base querying according to from the user identity information to banking management system
Identity information；
It will be on the locally downloading server of identity information of the user that inquired.
3. method according to any one of claims 1 to 2, which is characterized in that the user identifier is the identification card number of user
Code and/or phone number, the essential information of the user are the information that user reserves when other financial institutions apply for card, the use
The biological information at family is the information comprising user behavior characteristic and/or physiological property.
4. a kind of long-range authenticating device for setting up finance account, which is characterized in that the authenticating device includes：
Acquiring unit is believed for obtaining the long-range user identity information for setting up finance account user, and according to the user identifier
Breath obtains the identity information of user corresponding to the user identifier, and the identity information of the user includes the essential information of user
And/or the biological information of user；
The identity information of authentication unit, the user for being got according to the acquiring unit remotely sets up finance to described
Account user is authenticated, if certification success, allows described long-range to set up finance account user and complete remotely to set up finance
The operation of the authentication method of account；The authentication unit is specifically used for when the long-range essential information for setting up finance account user
When being exactly matched with the subscriber identity information of biological information and the acquisition, then certification success；The authentication unit is additionally operable to work as
The long-range essential information for setting up finance account user is matched with the essential information of the user of the acquisition, and described is remotely set
When the biological information of vertical finance account user is mismatched with the biological information of the user of the acquisition, then the user is allowed to complete
The long-range operation for setting up finance account, but the permission and function of the finance account to remotely setting up limit.
5. authenticating device according to claim 4, which is characterized in that the acquiring unit is specifically used for according to the user
The identity information of user corresponding to user identity information described in data base querying of the identification information to banking management system；It will be described
On the locally downloading server of identity information of the user inquired.
6. according to any authenticating device of claim 4 to 5, which is characterized in that the user identifier is the identity of user
Number and/or phone number are demonstrate,proved, the essential information of the user is the information that user reserves when other financial institutions apply for card, institute
The biological information for stating user is the information comprising user behavior characteristic and/or physiological property.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201510350826.5A CN104935440B (en) | 2015-06-23 | 2015-06-23 | The long-range authentication method and authenticating device for setting up finance account |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201510350826.5A CN104935440B (en) | 2015-06-23 | 2015-06-23 | The long-range authentication method and authenticating device for setting up finance account |
Publications (2)
| Publication Number | Publication Date |
|---|---|
| CN104935440A CN104935440A (en) | 2015-09-23 |
| CN104935440B true CN104935440B (en) | 2018-10-19 |
Family
ID=54122418
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201510350826.5A Expired - Fee Related CN104935440B (en) | 2015-06-23 | 2015-06-23 | The long-range authentication method and authenticating device for setting up finance account |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN104935440B (en) |
Families Citing this family (12)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN107113614B (en) * | 2015-11-03 | 2021-11-30 | 国民技术股份有限公司 | Method and system for remotely handling SIM card |
| CN106713252B (en) * | 2015-11-17 | 2020-12-04 | 腾讯科技（深圳）有限公司 | Method for applying virtual card online, user terminal and system for applying virtual card online |
| CN106023370A (en) * | 2016-05-20 | 2016-10-12 | 北京小米移动软件有限公司 | Unlocking method and device for NFC equipment |
| CN105897763A (en) * | 2016-06-16 | 2016-08-24 | 汤美 | Internet education user verification method and system |
| CN107016537A (en) * | 2017-04-12 | 2017-08-04 | 杭州纳戒科技有限公司 | Stored value card management method and device |
| CN107464184A (en) * | 2017-07-14 | 2017-12-12 | 深圳市深劳人力资源开发有限公司 | A kind of account opens method and its device |
| CN107492191B (en) * | 2017-08-17 | 2020-06-09 | 深圳怡化电脑股份有限公司 | Security authentication method and device for financial equipment, financial equipment and storage medium |
| CN109842582A (en) * | 2017-11-24 | 2019-06-04 | 中国移动通信集团公司 | A kind of real name service order method and apparatus |
| CN108520417B (en) * | 2018-03-21 | 2021-05-07 | Oppo广东移动通信有限公司 | Payment method, payment device, server, payment terminal and computer readable medium |
| CN111191198A (en) * | 2019-11-25 | 2020-05-22 | 京东数字科技控股有限公司 | Account information processing method and device, computer readable medium and electronic equipment |
| CN111709757A (en) * | 2020-06-20 | 2020-09-25 | 江西财经职业学院 | Authentication method and authentication equipment for remotely setting up financial account |
| CN111915401B (en) * | 2020-07-30 | 2023-06-30 | 中国联合网络通信集团有限公司 | Order pre-configuration method and device and electronic equipment |
Citations (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN1983323A (en) * | 2005-12-16 | 2007-06-20 | 布瑞恩约瑟夫多尔 | Electronic transaction method and system |
| CN101447037A (en) * | 2007-11-28 | 2009-06-03 | 陈静 | Control system for establishing and using user account by user terminal and method thereof |
| CN104038509A (en) * | 2014-07-03 | 2014-09-10 | 南昌欧菲生物识别技术有限公司 | Fingerprint authentication cloud system |
| CN104462922A (en) * | 2014-12-11 | 2015-03-25 | 苏州海博智能系统有限公司 | Method for verifying authorization on basis of biological recognition |
| CN104935438A (en) * | 2015-05-28 | 2015-09-23 | 北京旷视科技有限公司 | Method and apparatus for identity verification |
Family Cites Families (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US20050246291A1 (en) * | 2004-04-14 | 2005-11-03 | David Delgrosso | System and method for creating an account using biometric information |
-
2015
- 2015-06-23 CN CN201510350826.5A patent/CN104935440B/en not_active Expired - Fee Related
Patent Citations (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN1983323A (en) * | 2005-12-16 | 2007-06-20 | 布瑞恩约瑟夫多尔 | Electronic transaction method and system |
| CN101447037A (en) * | 2007-11-28 | 2009-06-03 | 陈静 | Control system for establishing and using user account by user terminal and method thereof |
| CN104038509A (en) * | 2014-07-03 | 2014-09-10 | 南昌欧菲生物识别技术有限公司 | Fingerprint authentication cloud system |
| CN104462922A (en) * | 2014-12-11 | 2015-03-25 | 苏州海博智能系统有限公司 | Method for verifying authorization on basis of biological recognition |
| CN104935438A (en) * | 2015-05-28 | 2015-09-23 | 北京旷视科技有限公司 | Method and apparatus for identity verification |
Also Published As
| Publication number | Publication date |
|---|---|
| CN104935440A (en) | 2015-09-23 |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| CN104935440B (en) | The long-range authentication method and authenticating device for setting up finance account | |
| CN107800725A (en) | A kind of digital certificate remote online managing device and method | |
| CN104954138B (en) | Based on the dynamic password formation method of iris information | |
| CN101330386A (en) | Authentication system based on biological characteristics and identification authentication method thereof | |
| CN106030599A (en) | Continuous authentication with a mobile device | |
| CN107735999A (en) | The certification for passing through multiple approach based on functions of the equipments and user's request | |
| CN101321069A (en) | Mobile phone biological identity certification production and authentication method, and its authentication system | |
| Adewole et al. | Development of fingerprint biometric attendance system for non-academic staff in a tertiary institution | |
| CN104092653B (en) | Data processing method and system | |
| TW202024998A (en) | System and method for attendance management and electronic device thereof | |
| CN102638471A (en) | Password protection and management method | |
| CN204680060U (en) | The identification of Network Based and biological characteristic and payment mechanism | |
| CN109389711A (en) | Gate inhibition's unlocking method, device, equipment and medium based on living things feature recognition | |
| CN107786573A (en) | A kind of data verification system | |
| CN109255222A (en) | A method of matching and deployment strategy template are gone with multiple-factor authentication | |
| CN109697776A (en) | A kind of intelligent control method, device, equipment and the medium of unmanned gymnasium | |
| CN104965986B (en) | The medical information identification card generation system and method for Implantable Medical Device | |
| CN107548059A (en) | A kind of authentication method and system | |
| CN110443740A (en) | A kind of identity identifying method and system | |
| CN109446778A (en) | Immovable Property Registration information acquisition method, computer installation and computer readable storage medium based on recognition of face | |
| CN106489155A (en) | Double factor authentication method, device and equipment | |
| CA3121338A1 (en) | System and method for identity creation and assertion | |
| CN208873198U (en) | Smart lock and intelligent lock system | |
| CN109213889A (en) | A kind of method and device that customer information merges | |
| CN110162940A (en) | Account login method, device, electronic equipment and storage medium |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| C06 | Publication | ||
| PB01 | Publication | ||
| C10 | Entry into substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| GR01 | Patent grant | ||
| GR01 | Patent grant | ||
| CF01 | Termination of patent right due to non-payment of annual fee |
Granted publication date: 20181019 Termination date: 20200623 |
|
| CF01 | Termination of patent right due to non-payment of annual fee |