CN108876596A - The Private Banking's account working method and terminal and system of identity-based card number - Google Patents
The Private Banking's account working method and terminal and system of identity-based card number Download PDFInfo
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- CN108876596A CN108876596A CN201810634540.3A CN201810634540A CN108876596A CN 108876596 A CN108876596 A CN 108876596A CN 201810634540 A CN201810634540 A CN 201810634540A CN 108876596 A CN108876596 A CN 108876596A
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
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Abstract
The Private Banking's account working method and terminal and system of identity-based card number proposed by the present invention, are related to Private Banking's account network system field.The step of the method includes：The ID card No. information of specific user is obtained, the information demonstrate,proves chip acquisition by being manually entered or reading specific identity；Obtain the authentication information of specific user；By the ID card No. information, authentication information, ID card No. information, the authentication information prestored with bank account network system database is analysed and compared；According to the comparison result of previous step, the specific bank account for allowing use information to be consistent handles specific transactions.The present invention also proposes the Private Banking's account operational terminal and system of identity-based card number.Technical solution of the present invention is carried out based on personal ID card No. when in use, is got rid of the dependence of the bank account voucher data to banks' system such as bank card, bankbook, Bank Account Number hair, is easy to use bank account.
Description
Technical field
The present invention relates to Private Banking's account network system fields, specifically, being a kind of of identity-based card number
People's bank account working method and terminal and system.
Background technique
Private Banking's account of the present invention refers to the personal account opened in bank.It below can be by Private Banking's account
Referred to as bank account or account.User realizes corresponding bank account function by the account, and such as Cash Out turns
Account, deposit etc..After opening the account, the bankbook for recording specific bank account information data, the silver of bank's system hair can be obtained
The bank accounts vouchers such as row card, there is corresponding relationship between the Bank Account Number and the bank account, specific bank account represents
Specific bank account.
Currently, when user handles Cash Out using the bank account by banking terminal device and transfers accounts
It when bank account business, needs to carry out based on Bank Account Number, using the Bank Account Number or records specific bank account
The bank accounts such as bankbook, bank card of information vouchers is handled.The bank account working method is：Terminal device obtains specific
User provide Bank Account Number, acquisition modes include be manually entered Bank Account Number, terminal device read bank account voucher in
The bank account information of record；Terminal device obtains the authentication information that specific user provides, in order to guarantee bank's account
Family usually also has the verifying link such as password authentification, authentication using safe；By the bank account information, verification information,
The bank account information that prestores with bank account network system database, authentication information are analysed and compared, and are analysed and compared
Whether have in database be consistent with this bank account information, authentication information is consistent or the account that is mutually matched；If having in this way
The account that is consistent of information, then the specific bank account for allowing to be consistent using the information handles specific transactions.
The terminal device, including but not limited to Bank Account Number obtain module, verification information obtains module, business processing mould
Block.Bank Account Number obtains module and is used to obtain the Bank Account Number that specific user provides；Verification information obtains module for obtaining
The authentication information of specific user；Service Processing Module is used to allow using the specific bank account that information is consistent through comparison
Handle specific transactions in family.
Well known Private Banking's account work system includes terminal device, server, its working principle is that：Terminal device obtains
The bank account information recorded in the Bank Account Number or reading bank card, bankbook for taking user to input, usually along with password is tested
The verification informations such as card, authentication are sent particular account number information, authentication information to using network information transfer technology
It is built up in the server on backstage, the access right of account can be confirmed after server identification relevant information, after confirmation,
It can will confirm that information is sent to preposition terminal device again, after terminal device receives confirmation message, can be provided according to confirmation result
Further business operation.Currently, in this course, the work of bank account network system is based on recording on bank account voucher
Bank Account Number carry out.
Therefore, it has to carry various bankbooks, silver when user handles related business using Private Banking's account in life
The bank accounts vouchers such as row card, or need to keep firmly in mind and provide complicated uncommon Bank Account Number on various bank account vouchers, and
The bank accounts voucher such as bank card and bankbook is inconvenient to carry, is easy to lose, is easy damaged and is difficult to, and Bank Account Number complexity is raw
It is out-of-the-way to be difficult to remember.As can be seen that existing Private Banking's account network system operation method has certain problems and defect：It uses
When person such as handles enchashment using bank account and transfer accounts at the bank accounts business, it can not get rid of to bank card, bankbook, Bank Account Number etc.
The dependence of the bank account voucher data of bank's system hair, causes bank account inconvenient for use.
Summary of the invention
It is of the invention to overcome the problems, such as that existing Private Banking's account working method based on Bank Account Number exists and defect
Embodiment proposes Private Banking's account working method of identity-based card number, is able to solve user and is handled using bank account
Enchashment and transfer accounts etc. bank accounts business when, the bank account to banks' system such as bank card, bankbook, Bank Account Number hair can not be got rid of
The dependence of voucher data, the problems such as causing bank account inconvenient for use.To realize that the method, the present invention also propose identity-based
Demonstrate,prove the Private Banking's account operational terminal or system of number.
The Private Banking's account working method for the identity-based card number that the embodiment of the present invention proposes, including step：
The ID card No. information of specific user is obtained, the information demonstrate,proves chip by being manually entered or reading specific identity
It obtains；
Obtain the authentication information of specific user；
By the ID card No. information, authentication information, the identification card number prestored with bank account network system database
Code information, authentication information are analysed and compared；
According to the comparison result of previous step, the specific bank account for allowing use information to be consistent handles specific transactions.
ID card No. is the personal representative individual citizens attribute possessed, this is its essence, with uniqueness, all the life
Property, common property, be easy to be remembered in person, remember personal identification papers' number than remembeing that complicated uncommon Bank Account Number is easy very
It is more；In addition ID card No. information is recorded among identity card chip, and reading technology using identity card chip can be quick and precisely
Ground is read.In this embodiment, ID card No. information, the body of corresponding user are prestored in each Private Banking's account
Part verification information, the verification information includes password authentication information, biological characteristic validation information, these prestored informations are used for：With
The ID card No. of unique individual's attribute is represented to correspond to specific bank account, number search can be demonstrate,proved with identity-based to the account
Family；Password authentication information, biological characteristic validation information are used to provide authentication, and it is safe to guarantee that account uses.User uses
When bank account, it is manually entered ID card No., or reads specific identity card chip using identity card chip reader
In addition the ID card No. information of middle record provides authentication information, including password authentication information, biological characteristic validation letter
Breath；ID card No. information, the authentication information that bank account network system provides specific user, with bank account net
In network system database ID card No. information, the authentication information of pre-stored bank account user carry out analysis ratio
Right, analysing and comparing, whether it is consistent with the user identity card number information which account prestores in database, and identity is tested
Card information is consistent or is mutually matched, if the account for having the information to be consistent, allows to carry out specific transactions using the account to do
Reason, such as withdraw the money, transfer accounts.Identity-based demonstrate,proves Private Banking's account working method of number, and user is handled using bank account
Enchashment and transfer accounts etc. bank accounts business when, it may not be necessary to card, the voucher, account of bank's system hair are provided, do not needed using silver
The bank account voucher of row system hair, using individual, existing and common identity card, ID card No. easy to remember can be carried out, and be got rid of
Dependence to the bank account voucher data of banks' system such as bank card, bankbook, Bank Account Number hair, is easy to use bank account.
It should be further noted that in various embodiments of the present invention, the biological characteristic include face, fingerprint, iris,
Palmmprint, human ear, hand shape, vein, retina, voice etc..
Well known Private Banking's account operational terminal based on Bank Account Number includes that Bank Account Number obtains module, verification information
Obtain module, Service Processing Module.
The present invention proposes that a kind of Private Banking's account operational terminal of identity-based card number, including verification information obtain mould
Block, Service Processing Module, which is characterized in that further include that ID card No. obtains module；The ID card No. obtains module and uses
In the ID card No. information for obtaining specific user, the acquisition modes of the information include be manually entered, reading identity card core
Piece does not need the bank account voucher data of the made hair of bank.The verification information obtains module for obtaining specific user
Authentication information；The Service Processing Module be used to allowing using through comparison and specific bank account that information is consistent is handled
Specific transactions.
The type of the terminal includes but is not limited to the bank counter machine for being built up in bank counter, the automatic cabinet inside and outside bank
Member's machine.
The present invention also proposes a kind of Private Banking's account work system of identity-based card number, including server, special
Sign is, further includes Private Banking's account operational terminal of above-mentioned identity-based card number.Identity-based card proposed by the present invention
Private Banking's account work system of number uses Private Banking's account operational terminal of identity-based described above card number.
Network connection is carried out between the system components.
As can be seen from the above technical solutions, the embodiment of the present invention has the following advantages and beneficial effect：Identity-based card
Private Banking's account operating technology scheme of number, user such as handle enchashment using bank account and transfer accounts at the bank accounts business
When, it may not be necessary to card, the bankbook, account of bank's system hair are provided, the bank account voucher sent out using bank's system is not needed, is used
Personal existing identity card, ID card No. easy to remember can carry out, and get rid of to banks such as bank card, bankbook, Bank Account Numbers
The dependence of the bank account voucher data of hair is made, bank account is easy to use.
Detailed description of the invention
Fig. 1 is a schematic diagram of the method that the embodiment of the present invention proposes.
Fig. 2 is a structural schematic diagram of the terminal that another embodiment of the present invention proposes.
Specific embodiment
In order to make the objectives, technical solutions, and advantages of the present invention clearer, below with reference in the embodiment of the present invention
Attached drawing, technical solution in the embodiment of the present invention further illustrate.It is below only section Example of the invention, not entirely
Portion's embodiment, all within the spirits and principles of the present invention, any modification, equivalent substitution, improvement and etc. done should be included in
Within the scope of protection of the invention.
See Fig. 1.The Private Banking's account working method for the identity-based card number that the embodiment of the present invention proposes, including step
Suddenly：
Step 11：The ID card No. information of specific user is obtained, the information is by being manually entered or reading specific body
Part card chip obtains；
When specific user needs using Private Banking's account transacting business, system obtains the ID card No. of specific user
Information, acquisition modes include：The identity card chip reader for being manually entered ID card No. or using terminal equipment comes
Read the ID card No. information being loaded in specific user's identity card chip.
Step 12：Obtain the authentication information of specific user；
Obtain the authentication information of specific user, the authentication information includes that password authentication information, biological characteristic are tested
Information is demonstrate,proved, the authentication information can be one or more, and a variety of authentication informations can provide multiple-authentication；Password
Verification information can be manually entered, and the biological characteristic reading device of terminal device can be used to read in biological characteristic validation information
It takes.
Step 13：By the ID card No. information, authentication information, prestored with bank account network system database
ID card No. information, authentication information analyses and compares；
Identity-based demonstrate,proves Private Banking's account working method of number, and the identity of user is prestored in each Private Banking's account
Number information, authentication information are demonstrate,proved, the authentication information includes password authentication information, biological characteristic validation information, this
A little prestored informations are used for：Specific bank account is corresponded to the ID card No. for representing personal attribute, it can be with identity-based card number
Code searches the account；The authentication information prestored is used for the verifying of user identity.The identity that specific user is provided
Demonstrate,prove in number information, authentication information, with bank account network system database pre-stored bank account user
Whether ID card No. information, authentication information are analysed and compared, have in analytical database and this ID card No. information
It is consistent, and the account that authentication information is consistent or is mutually matched, the movement of next step is determined according to comparison result.
Step 14：According to the comparison result of previous step, the specific bank account for allowing use information to be consistent is handled specific
Business；
ID card No. information, the authentication information that specific user is provided, in bank account network system database
ID card No. information, the authentication information of pre-stored bank account user analyse and compare, if database
In have and be consistent with this account that ID card No. information is consistent and authentication information is consistent or is mutually matched, as information,
Then allow to carry out specific transactions using the account to handle, such as withdraws the money, transfers accounts.If information is not consistent, do not allow using.
See Fig. 2.To realize the above method, the present invention proposes a kind of Private Banking's account work of identity-based card number eventually
End, including：Verification information obtains module 22, Service Processing Module 23, which is characterized in that further includes that ID card No. obtains module
21；ID card No. obtains the ID card No. information that module 21 is used to obtain specific user, the acquisition modes of the information
Including being manually entered, reading identity card chip, do not need the bank account voucher data that bank is provided.Verification information obtains mould
Block 22 is used to obtain the authentication information of specific user；Service Processing Module 23 is for allowing using the information phase through comparison
The specific bank account of symbol handles specific transactions.The type of the terminal includes but is not limited to bank counter machine, ATM.
The present invention also proposes a kind of Private Banking's account work system of identity-based card number, including server, special
Sign is, further includes Private Banking's account operational terminal of above-mentioned identity-based card number.It is carried out between the system components
Network connection.Private Banking's account work system of the identity-based card number demonstrate,proves the individual of number using above-mentioned identity-based
Bank account operational terminal.
In various embodiments of the present invention, module is connected between each module.
All or part of embodiment of the invention can with software and hardware in conjunction with mode realize.
Those of ordinary skill in the art will appreciate that implement the method for the above embodiments be can be with
Relevant hardware is instructed to complete by program, which can store in a kind of computer readable storage medium, above-mentioned to mention
To storage medium can be read-only memory, disk or CD etc..
Private Banking's account working method to identity-based provided by the present invention card number and terminal and system above
It is described in detail, for those of ordinary skill in the art, thought according to an embodiment of the present invention, in specific embodiment
And there will be changes in application range, therefore, the contents of this specification are not to be construed as limiting the invention.
Claims (3)
1. a kind of Private Banking's account working method of identity-based card number, which is characterized in that including step：
The ID card No. information of specific user is obtained, the information demonstrate,proves chip by being manually entered or reading specific identity
It obtains；
Obtain the authentication information of specific user；
By the ID card No. information, authentication information, the identification card number prestored with bank account network system database
Code information, authentication information are analysed and compared；
According to the comparison result of previous step, the specific bank account for allowing use information to be consistent handles specific transactions.
2. a kind of Private Banking's account operational terminal of identity-based card number, including verification information obtain module, business processing
Module, which is characterized in that further include that ID card No. obtains module；The ID card No. obtains module for obtaining specific make
The ID card No. information of user, the acquisition modes of the information include be manually entered, reading identity card chip, do not need bank
The bank account voucher data of made hair.
3. a kind of Private Banking's account work system of identity-based card number, including server, which is characterized in that further include power
Benefit require 2 described in identity-based card number Private Banking's account operational terminal.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810634540.3A CN108876596A (en) | 2018-06-20 | 2018-06-20 | The Private Banking's account working method and terminal and system of identity-based card number |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810634540.3A CN108876596A (en) | 2018-06-20 | 2018-06-20 | The Private Banking's account working method and terminal and system of identity-based card number |
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| CN108876596A true CN108876596A (en) | 2018-11-23 |
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| CN201810634540.3A Pending CN108876596A (en) | 2018-06-20 | 2018-06-20 | The Private Banking's account working method and terminal and system of identity-based card number |
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| CN110414197A (en) * | 2019-08-06 | 2019-11-05 | 中国工商银行股份有限公司 | The bank-user auth method and device of Behavior-based control feature |
| CN111599115A (en) * | 2020-05-27 | 2020-08-28 | 江苏苏宁银行股份有限公司 | Bank service system and method |
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Application publication date: 20181123 |