CN109214924A - A kind of online activating method of securities account of identity-based identification - Google Patents
A kind of online activating method of securities account of identity-based identification Download PDFInfo
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- CN109214924A CN109214924A CN201810897044.7A CN201810897044A CN109214924A CN 109214924 A CN109214924 A CN 109214924A CN 201810897044 A CN201810897044 A CN 201810897044A CN 109214924 A CN109214924 A CN 109214924A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/06—Asset management; Financial planning or analysis
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
- G06F21/30—Authentication, i.e. establishing the identity or authorisation of security principals
- G06F21/31—User authentication
- G06F21/32—User authentication using biometric data, e.g. fingerprints, iris scans or voiceprints
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06V—IMAGE OR VIDEO RECOGNITION OR UNDERSTANDING
- G06V40/00—Recognition of biometric, human-related or animal-related patterns in image or video data
- G06V40/70—Multimodal biometrics, e.g. combining information from different biometric modalities
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Abstract
The invention discloses a kind of online activating method of securities account of identity-based identification, this method realizes that the method includes having the following steps: step S1 based on a system, and user uploads identity card and bank card；Step S2, system verify the ID card information of user；Step S3, system verify the bank card information of user；Step S4, system compare the photo in the human body biological characteristics and subscriber identity information of user, if comparing result is same people, then follow the steps S5；Step S5, system manager carry out manual examination and verification to the information that user uploads, and are after the approval being that user opens securities account.The convenience for opening securities account is greatly improved in the method for the present invention, as long as user possesses mobile phone and in the case where connecting wireless network, can be completed in a short time application of opening an account, and then meet user demand and market needs.
Description
Technical field
The securities account identified the present invention relates to securities account management method more particularly to a kind of identity-based is open-minded online
Method.
Background technique
Existing securities account activates the service, and needs user that securities broker company or the off line point of its line is gone to carry out live witness
It can just complete to open an account.It opens securities account at present and needs to go to witness point under line, cost is high and existing witness process can not be known
The validity of other identity card, there are the possibility rows that certificate is forged.
Summary of the invention
The technical problem to be solved in the present invention is that verifying the deficiencies of at high cost for opening an account under prior art middle line, mention
For a kind of convenience that securities account can be improved and open, while guaranteeing the security account of the identity-based identification of user identity validity
The online activating method in family.
In order to solve the above technical problems, the present invention adopts the following technical scheme that.
A kind of online activating method of securities account of identity-based identification, this method is based on system realization, the method
Comprise the following steps that step S1, user upload identity card and bank card；Step S2, system verify the ID card information of user；
Step S3, system verify the bank card information of user；Step S4, system is by the human body biological characteristics and subscriber identity information of user
In photo compare, if comparing result be same people, then follow the steps S5；Step S5, system manager is on user
The information of biography carries out manual examination and verification, and is after the approval being that user opens securities account.
Preferably, the step S2 includes: scanning input identity card front and back sides photo, and system utilizes preset ocr module
Automatic identification includes the certificate information of name and passport NO., and system passes through the identity letter in matching identity information database later
Breath obtains certificate photograph to identify the validity of certificate.
Preferably, the step S3 includes: bank card account number of the user to system input he or she, and system passes through matching silver
Bank card information in row card information database identifies whether bank's card number is effective.
Preferably, the step S4 includes: that user records the video for reading aloud one section of random digit in person, system by mobile phone
Video is tested and analyzed, and is compared in facial image and identity information database in video by recognition of face mode
Whether certificate photograph is same people, returns to recognition result later.
Preferably, the step S5 includes: identity card picture and identity of the system manager to the video, user
The certificate photograph pulled in information database carries out manual examination and verification confirmation, obtains auditing result.
Preferably, the system carries out additions and deletions and set-up procedure to step S1 to step S5 by preset router
S1 executes sequence to step S5's.
In the online activating method of securities account of identity-based identification disclosed by the invention, system is identified using multiple identities
Technological means, without coming company under user's line or associated nets point witnesses can open securities account, main identity is tested
Card process is realized in such a way that on-line automatic identification and manual examination and verification combine, wherein online recognition mainly includes: identity card
Part validation verification, user's bank card verifying of the same name, the identification verifying of user biological feature.Based on above-mentioned characteristic, the method for the present invention
The convenience for opening securities account is greatly improved, as long as user possesses mobile phone and in the case where connecting wireless network, i.e.,
It can be completed in a short time application of opening an account, and then meet user demand and market needs.
Detailed description of the invention
Fig. 1 is the flow chart of the online activating method of securities account of the present invention.
Fig. 2 is the flow chart of ID card verification step.
Fig. 3 is the flow chart of bank card verification step.
Fig. 4 is the flow chart of human body biological characteristics and subscriber identity information verification step.
Specific embodiment
The present invention is described in more detail with reference to the accompanying drawings and examples.
The invention discloses a kind of online activating methods of securities account of identity-based identification, please refer to Fig. 1, this method
Realize that the method includes having the following steps based on a system:
Step S1, user upload identity card and bank card；
Step S2, system verify the ID card information of user；
Step S3, system verify the bank card information of user；
Step S4, system compare the photo in the human body biological characteristics and subscriber identity information of user, if comparison
As a result it is same people, thens follow the steps S5；
Step S5, system manager carry out manual examination and verification to the information that user uploads, and are after the approval being user
Open securities account.
In the above-mentioned online activating method of securities account, system utilizes multiple identities identification technology means, without under user's line
It comes company or associated nets point carries out witness and can open securities account, main authentication process itself passes through on-line automatic identification
Realize with the mode that manual examination and verification combine, wherein online recognition mainly includes: identity document validation verification, user are of the same name
Bank card verifying, the identification verifying of user biological feature.Based on above-mentioned characteristic, the method for the present invention, which is greatly improved, opens security account
The convenience at family can be completed in a short time Shen of opening an account as long as user possesses mobile phone and in the case where connecting wireless network
Please, and then meet user demand and market needs.
In the present embodiment, referring to figure 2., the step S2 includes: scanning input identity card front and back sides photo, and system utilizes
Preset ocr module automatic identification includes the certificate information of name and passport NO., and system passes through matching identity information number later
The validity of certificate is identified according to the identity information in library, while obtaining certificate photograph.
Further, referring to figure 3., the step S3 includes: bank card account number of the user to system input he or she, is
System identifies whether bank's card number is effective by the bank card information in matching bank card information database.The step can be further
Guarantee the authenticity of user information.
As a preferred method, referring to figure 4., to include: user read aloud one by mobile phone recording to the step S4 in person
The video of section random digit, system tests and analyzes video, and the face figure in video is compared by recognition of face mode
As whether being same people with the certificate photograph in identity information database, recognition result is returned later.
In the present embodiment, the step S5 include: system manager to the identity card picture of the video, user and
The certificate photograph pulled in identity information database carries out manual examination and verification confirmation, obtains auditing result.The step can effectively reduce
The probability of system verifying misjudgement.
The system carries out additions and deletions to step S1 to step S5 by preset router as a preferred method, with
And set-up procedure S1 executes sequence to step S5.Wherein, system manages each step of whole flow process by using router
Suddenly.For example, the sequencing of each step is managed by routing, such structure has great flexibility and freedom
Degree, when needing to adjust sequence of some step appearance (position moves forward or backward), it is only necessary to change the sequence of routing i.e.
Can, similarly, increases newly on stream or to remove a certain step also very convenient.
The online activating method of securities account of identity-based disclosed by the invention identification, having compared to existing technologies
Beneficial effect is that, firstly, securities account opens full-service process changes completion online, user goes to site to carry out scene without me
Verifying, considerably reduces cost of opening an account, effectively increases efficiency of opening an account, and the particularly suitable equal user overseas of Hong Kong user demonstrate,proves
Certificate account it is open-minded.Meanwhile the means that there is the present invention online multiple identities results to demonstrate,prove, including identity document validation verification,
Bank card validation verification, face and biological characteristic detection verifying of the same name, and intervention manual examination and verification, secondary check etc., really
Protect the validity for user identity of opening an account on line.
The above is preferred embodiments of the present invention, is not intended to restrict the invention, all in technology model of the invention
Interior done modification, equivalent replacement or improvement etc. are enclosed, should be included in the range of of the invention protect.
Claims (6)
1. a kind of online activating method of securities account of identity-based identification, which is characterized in that this method is based on system realization,
The method includes having the following steps:
Step S1, user upload identity card and bank card；
Step S2, system verify the ID card information of user；
Step S3, system verify the bank card information of user；
Step S4, system compares the photo in the human body biological characteristics and subscriber identity information of user, if comparing result
For same people, S5 is thened follow the steps；
Step S5, system manager carry out manual examination and verification to the information that user uploads, and are after the approval being that user is open-minded
Securities account.
2. the online activating method of securities account of identity-based identification as described in claim 1, which is characterized in that the step
S2 includes: scanning input identity card front and back sides photo, and system includes name and certificate number using preset ocr module automatic identification
The certificate information of code, system identifies the validity of certificate by the identity information in matching identity information database later, together
When obtain certificate photograph.
3. the online activating method of securities account of identity-based identification as described in claim 1, which is characterized in that the step
S3 includes: bank card account number of the user to system input he or she, and system passes through the bank in matching bank card information database
Card information identifies whether bank's card number is effective.
4. the online activating method of securities account of identity-based identification as described in claim 1, which is characterized in that the step
S4 includes: that user records the video for reading aloud one section of random digit in person by mobile phone, and system tests and analyzes video, and leads to
Whether the certificate photograph crossed in facial image and identity information database in face identification method comparison video is same people, it
After return to recognition result.
5. the online activating method of securities account of identity-based identification as described in claim 1, which is characterized in that the step
S5 includes: system manager to the certificate pulled in the identity card picture and identity information database of the video, user
Photo carries out manual examination and verification confirmation, obtains auditing result.
6. the online activating method of securities account of identity-based identification as described in claim 1, which is characterized in that the system
Additions and deletions and set-up procedure S1 are carried out to step S1 to step S5 by preset router and execute sequence to step S5.
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810897044.7A CN109214924A (en) | 2018-08-08 | 2018-08-08 | A kind of online activating method of securities account of identity-based identification |
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| Application Number | Priority Date | Filing Date | Title |
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| CN201810897044.7A CN109214924A (en) | 2018-08-08 | 2018-08-08 | A kind of online activating method of securities account of identity-based identification |
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| CN109214924A true CN109214924A (en) | 2019-01-15 |
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| CN201810897044.7A Withdrawn CN109214924A (en) | 2018-08-08 | 2018-08-08 | A kind of online activating method of securities account of identity-based identification |
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Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| TWI753426B (en) * | 2020-05-08 | 2022-01-21 | 讀懂科技股份有限公司 | Online insurance claim processing method |
| WO2022057682A1 (en) * | 2020-09-15 | 2022-03-24 | 中国银联股份有限公司 | Data processing method and device, and computer-readable storage medium |
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| CN104504321A (en) * | 2015-01-05 | 2015-04-08 | 湖北微模式科技发展有限公司 | Method and system for authenticating remote user based on camera |
| CN105608621A (en) * | 2015-12-22 | 2016-05-25 | 深圳前海微众银行股份有限公司 | Remote account opening method, server and system |
| CN105654372A (en) * | 2015-12-22 | 2016-06-08 | 深圳前海微众银行股份有限公司 | Identity recognition method for remote account opening and server and system |
| CN107016608A (en) * | 2017-03-30 | 2017-08-04 | 广东微模式软件股份有限公司 | The long-range account-opening method and system of a kind of identity-based Information Authentication |
| CN108256828A (en) * | 2018-01-12 | 2018-07-06 | 深圳市富途网络科技有限公司 | A kind of online digital certificate security account opening system based on internet |
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2018
- 2018-08-08 CN CN201810897044.7A patent/CN109214924A/en not_active Withdrawn
Patent Citations (5)
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| CN104504321A (en) * | 2015-01-05 | 2015-04-08 | 湖北微模式科技发展有限公司 | Method and system for authenticating remote user based on camera |
| CN105608621A (en) * | 2015-12-22 | 2016-05-25 | 深圳前海微众银行股份有限公司 | Remote account opening method, server and system |
| CN105654372A (en) * | 2015-12-22 | 2016-06-08 | 深圳前海微众银行股份有限公司 | Identity recognition method for remote account opening and server and system |
| CN107016608A (en) * | 2017-03-30 | 2017-08-04 | 广东微模式软件股份有限公司 | The long-range account-opening method and system of a kind of identity-based Information Authentication |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| TWI753426B (en) * | 2020-05-08 | 2022-01-21 | 讀懂科技股份有限公司 | Online insurance claim processing method |
| WO2022057682A1 (en) * | 2020-09-15 | 2022-03-24 | 中国银联股份有限公司 | Data processing method and device, and computer-readable storage medium |
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