CN1728659A - System and method for examining and verifying identifying document of bank depositor - Google Patents
System and method for examining and verifying identifying document of bank depositor Download PDFInfo
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- CN1728659A CN1728659A CN 200410026374 CN200410026374A CN1728659A CN 1728659 A CN1728659 A CN 1728659A CN 200410026374 CN200410026374 CN 200410026374 CN 200410026374 A CN200410026374 A CN 200410026374A CN 1728659 A CN1728659 A CN 1728659A
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Abstract
The system includes following devices: intelligent terminals setup at counters of each bank network site; site server setup at each bank network site; central server setup at central computer room of bank. Through LAN of bank, each intelligent terminal is connected to site server at bank network site. Through WAN, site server at bank network site is connected to central server at central computer room of bank. The method reserves image of ID card depositor keeps back automatically, and compares ID card for drawing money from bank to image of ID card reserved in order to make sure that ID card for drawing money from bank is identical to ID card for depositing money to bank. The invention solves issue difficult to identify valid id at terminal device at bank. Advantages are: automatic examining ID card, easy of operation, no need of changing current bank saving system, compatible to multiple types id cards.
Description
Technical field
The present invention relates to a kind of depositor's identity document management system and method.
Background technology
At present, bank when opening an account, has only reserved depositor's ID card No. the depositor.Like this, use the identity document false claiming depositor's who forges or reported the loss deposit, become the problem that bank usually will face.
Summary of the invention
The invention provides a kind of automatic reservation depositor reserves the image of identity document, will withdraw the money and compare with identity document and the image of reserving identity document automatically, thereby guarantee that the depositor uses the system and method for common identity certificate when depositing and withdrawing, it has solved the problem that existing banking terminal device is difficult to carry out effective identification, have easy to use, the deposit advantage that is difficult to falsely claim as one's own.
Technical solution of the present invention is:
A kind of depositor's identity document auditing system is characterized in that: this system comprises the intelligent terminal U1 that is arranged on each bank outlets' sales counter, the site server U2 that is arranged on each bank outlets, the central server U3 that is arranged on bank center's computer room; The intelligent terminal U1 of described each bank outlets links to each other with the site server U2 of these bank outlets by bank's local area network (LAN), and described site server U2 links to each other with the server U3 of bank center by bank's wide area network.
Above-mentioned intelligent terminal U1 comprises CPU U16, image acquisition device U11, card reader U12, input/output unit U13, mixed-media network modules mixed-media U14, can connect the RS232 interface U15 of existing bank counter terminal; Described image acquisition device U11, card reader U12, input/output unit U13, RS232 interface U15 link to each other with CPU U16 respectively, and described CPU U16 links to each other with the bank local area network (LAN) by mixed-media network modules mixed-media U14.
Above-mentioned input/output unit (U13) comprises keyboard and LCD display.
Above-mentioned site server U2 comprises central control module U21, data management module U22, certificate identification and auditing module U23, intelligent terminal communication module U24, central server communication module U25; The identification of described data management module U22, certificate links to each other with central control module U21 respectively with auditing module U23, intelligent terminal communication module U24, central server communication module U25, and described intelligent terminal communication module U24, central server communication module U25 link to each other with the bank local area network (LAN) respectively.
Above-mentioned central server U3 comprises central control module U31, data management module U32, site server communication module U33; Described data management module U32, site server communication module U33 link to each other with central control module U31 respectively, and described site server communication module U33 links to each other with the bank local area network (LAN).
A kind of depositor's identity document checking method may further comprise the steps:
1] when the depositor opens an account, the image of the identity document that uses when opening an account by intelligent terminal U1 and site server U2 reservation depositor;
2] do preliminary treatment with auditing module U23 to reserving image by the certificate identification of site server U2; Site server U2 sends to corresponding intelligent terminal U1 with pretreated result;
3] in the depositor withdraws the money process, the image of the identity document that uses when withdrawing the money by intelligent terminal U1 and site server U2 acquisition depositor;
4] with auditing module U23 the identity document image of withdrawing the money is done preliminary treatment by the certificate identification of site server U2;
5] server U2 in site searches the reservation identity document image of the account number correspondence of withdrawing the money automatically by data management module U22, the reservation identity document image that site server U2 will find is done automatic comparison with the identity document image of withdrawing the money, and the result is sent to corresponding intelligent terminal U1.
Above-mentioned certificate identification by site server U2 is done pretreated step with auditing module U23 to the reservation image and is comprised storage, extracts feature.
The step that above-mentioned site server U2 searches the reservation identity document image of the account number correspondence of withdrawing the money automatically by data management module U22 comprises that site server U2 realizes that by central server communication module U25 exchanging the depositor mutually with central server U3 opens an account and reserve the identity document image information.
The present invention has the following advantages:
1, identity document is examined automatically.The identity document that the identity document that will use when system will withdraw the money is automatically reserved when opening an account carries out the image comparison, provides machine fast and differentiates the result.
2, the intelligent terminal of foreground staff use is small and exquisite attractive in appearance, simple to operate.Put the image acquisition device window of intelligent terminal at depositor's identity document after, the foreground staff only needs at the appropriate time, press a button on the intelligent terminal, can finish the automatic examination of identity document, auditing result appears on the display screen of intelligent terminal immediately.
3, need not to change existing bank savings system, also do not change foreground staff's operating habit.Adopt the loose coupling connected mode between native system and existing bank savings system, directly finish exchanges data, cooperate consistent with each other in the time of operating process by bottom hardware.
4, the identity document image information is stored automatically.Open an account and reserve certificate, withdraw the money and use certificate, agent to use the original image information of various function certificates such as certificate, change use certificate will deposit the system data administration module automatically in.
5, compatible multiple identity document.System can effectively examine multiple perfect instruments such as identity card that the depositor uses, officer's identity card, police officer's identity card, residence booklet, employee's card, passport.
6, can manually assist audit.System provides the several different methods of manual examination and verification identity document, as screen demonstration, amplification, rotation, translucent coincidence, image information statistics, zone ratio equity.
7, integrated information inquiry.In system's use, the foreground staff can inquire about at any time, the various information resources in the print system, comprises " certificate image ", " auditing result ", " Operation Log " etc.
8, information networking is deposited and withdrawn at any branch bank.Utilize the existing Internet resources of bank, realize the networking in the whole city or bigger zone, reach sharing of depositor's obligate information.
9, safety management.System has multiple security control mode, comprises Actor password, operation grade mandate, detailed Operation Log, ciphered data transmission, Double Data backup automatically etc., provides safety guarantee for system stability uses.
The explanation of accompanying drawing drawing
Fig. 1 is depositor's identity document auditing system schematic diagram;
Fig. 2 is the central server structural representation of depositor's identity document auditing system;
Fig. 3 is the site server architecture schematic diagram of depositor's identity document auditing system;
Fig. 4 is the intelligent terminal structural representation of depositor's identity document auditing system;
Fig. 5 is depositor's identity document checking method flow chart.
Specific embodiment
Referring to Fig. 1, depositor's identity document auditing system, comprise the intelligent terminal U1 that is arranged on each bank outlets' terminal sales counter, the site server U2 that is arranged on each bank outlets, the central server U3 that is arranged on bank center's computer room, wherein the intelligent terminal U1 of each bank outlets links to each other with the site server U2 of these bank outlets by bank's local area network (LAN), and site server U2 links to each other with the server U3 of bank center by bank's wide area network.
Referring to Fig. 2, central server U3 just is equipped with the computer of central server software, central server U3 comprises central control module U31, data management module U32, site server communication module U33, wherein data management module U32, site server communication module U33 link to each other with central control module U31 respectively, and site server communication module U33 links to each other with the bank local area network (LAN).
Referring to Fig. 3, site server U2 just is equipped with the computer of site server software, site server U2 comprises central control module U21, data management module U22, certificate identification and auditing module U23, intelligent terminal communication module U24, central server communication module U25, data management module U22 wherein, certificate identification and auditing module U23, intelligent terminal communication module U24, central server communication module U25 links to each other with central control module U21 respectively, intelligent terminal communication module U24, central server communication module U25 links to each other with the bank local area network (LAN) respectively.
Referring to Fig. 4, intelligent terminal U1 comprises CPU U16, image acquisition device U11, card reader U12, input/output unit U13, mixed-media network modules mixed-media U14, can connect the RS232 interface U15 of existing bank counter terminal, wherein RS232 interface U15, card reader U12, image acquisition device U11, input/output unit U13 link to each other with CPU U16 respectively, and CPU U16 links to each other with the bank local area network (LAN) by mixed-media network modules mixed-media U14.
The course of work of depositor's identity document auditing system is:
1, on each site sales counter, places an intelligent terminal U1, place a site server U2, place a central server U3 at bank center's machine room in bank outlets;
2, each equipment links to each other with bank network, and intelligent terminal U1 links to each other with the bank counter terminal by its RS232 interface U15;
When 3, the depositor opens an account, with identity document, comprise resident identification card, officer's identity card, employee's card, passport, driving license etc., give the foreground staff, when the foreground staff brushes depositor's bank card, card reader U12 delivers to the bank savings system with the card number information of bank card by RS232 interface U15, and card reader U12 delivers to site server U2 with card number information through CPU U16, mixed-media network modules mixed-media U14 and bank's local area network (LAN) simultaneously;
4, server U2 in site carries out certificate scanning by prompting foreground staff on the LCD display on the intelligent terminal U1 or takes pictures;
5, the resulting certificate information that will scan or take pictures of the image acquisition device U11 on the intelligent terminal U1 is delivered to CPU U16, deliver to site server U2 through mixed-media network modules mixed-media U14, bank's local area network (LAN) again and carry out background process, will show on the LCD display that site server U2 sends relevant information;
When 6, the depositor withdrew the money, the foreground staff was scanned or is taken pictures depositor's identity document of withdrawing the money;
The identity document image information of reserving when 7, the card number information that obtained according to card reader U12 of site server U2 is transferred the depositor and opened an account, and compare, and comparative result is presented on the LCD display of intelligent terminal U1 with image information that intelligent terminal U1 obtains;
8, site server U2 can be when opening an account with central server U3 exchange depositor reserved information, and the depositor who obtains other site obligate information of opening an account.
Referring to Fig. 5, depositor's identity document checking method may further comprise the steps:
1, when the depositor opens an account, the image of the identity document that uses when opening an account by intelligent terminal U1 and site server U2 reservation depositor;
2, do preliminary treatment (comprise contents such as storage, extraction feature) with auditing module U23 to reserving image by the certificate identification of site server U2;
3, server U2 in site sends to corresponding intelligent terminal U1 with pretreated result, as pinpoints the problems, and can notify the foreground staff to carry out consistency operation before the server U2 of site;
4, in the depositor withdraws the money process, the image of the identity document that uses when obtaining to withdraw the money by intelligent terminal U1 and site server U2 depositor;
5, with auditing module U23 the certificate image of withdrawing the money is done preliminary treatment by the certificate identification of site server U2;
6, the site server is searched the reservation identity document image of the account number correspondence of withdrawing the money automatically by data management module U22, as not finding that then the input/output unit U13 by intelligent terminal U1 notifies the foreground staff;
7, the site server U2 reservation identity document image that will find, the identity document image is done automatic comparison with withdrawing the money, and the result sent to corresponding intelligent terminal U1, the foreground staff selects to confirm or carry out consistency operation before the server U2 of site according to the display result of intelligent terminal U1.
Open a bank account in the requirement of second bank debits central server communication module U25 that different site server U2 can be by site server U2 and central server U3 communication and exchange the depositor mutually and open an account and reserve the identity document image information in first for satisfying the depositor.
Claims (8)
1, a kind of depositor's identity document auditing system is characterized in that: this system comprises the intelligent terminal (U1) that is arranged on each bank outlets' sales counter, the site server (U2) that is arranged on each bank outlets, the central server (U3) that is arranged on bank center's computer room; The intelligent terminal of described each bank outlets (U1) links to each other with the site server (U2) of these bank outlets by bank's local area network (LAN), and described site server (U2) links to each other with bank center server (U3) by bank's wide area network.
2, depositor's identity document auditing system according to claim 1 is characterized in that: described intelligent terminal (U1) comprises CPU (U16), image acquisition device (U11), card reader (U12), input/output unit (U13), mixed-media network modules mixed-media (U14), can connect the RS232 interface (U15) of existing bank counter terminal; Described image acquisition device (U11), card reader (U12), input/output unit (U13), RS232 interface (U15) link to each other with CPU (U16) respectively, and described CPU (U16) links to each other with the bank local area network (LAN) by mixed-media network modules mixed-media (U14).
3, depositor's identity document auditing system according to claim 2, it is characterized in that: described input/output unit (U13) comprises keyboard and LCD display.
4, according to claim 1 or 2 or 3 described depositor's identity document auditing systems, it is characterized in that: described site server (U2) comprises central control module (U21), data management module (U22), certificate identification and auditing module (U23), intelligent terminal communication module (U24), central server communication module (U25); The identification of described data management module (U22), certificate links to each other with central control module (U21) respectively with auditing module (U23), intelligent terminal communication module (U24), central server communication module (U25), and described intelligent terminal communication module (U24), central server communication module (U25) link to each other with the bank local area network (LAN) respectively.
5, depositor's identity document auditing system according to claim 4 is characterized in that: described central server (U3) comprises central control module (U31), data management module (U32), site server communication module (U33); Described data management module (U32), site server communication module (U33) link to each other with central control module (U31) respectively, and described site server communication module (U33) links to each other with the bank local area network (LAN).
6, a kind of depositor's identity document checking method, it is characterized in that: this method may further comprise the steps:
1] when the depositor opens an account, the image of the identity document that uses when opening an account by intelligent terminal (U1) and site server (U2) reservation depositor;
2] do preliminary treatment with auditing module (U23) to reserving image by the certificate identification of site server (U2); Site server (U2) sends to corresponding intelligent terminal (U1) with pretreated result;
3] in the depositor withdraws the money process, the image of the identity document that uses when withdrawing the money by intelligent terminal (U1) and site server (U2) acquisition depositor;
4] with auditing module (U23) the identity document image of withdrawing the money is done preliminary treatment by the certificate identification of site server (U2);
5] site server (U2) is searched the reservation identity document image of the account number correspondence of withdrawing the money automatically by data management module (U22), the reservation identity document image that site server (U2) will find is done automatic comparison with the identity document image of withdrawing the money, and the result is sent to corresponding intelligent terminal (U1).
7, depositor's identity document checking method according to claim 6 is characterized in that: described certificate identification by site server (U2) is done pretreated step with auditing module (U23) to the reservation image and is comprised storage, extracts feature.
8, according to claim 6 or 7 described depositor's identity document checking methods, it is characterized in that: the step that described site server (U2) is searched the reservation identity document image of the account number correspondence of withdrawing the money automatically by data management module (U22) comprises that site server (U2) realizes that by central server communication module (U25) exchanging the depositor mutually with central server (U3) opens an account and reserve the identity document image information.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN 200410026374 CN1728659A (en) | 2004-07-28 | 2004-07-28 | System and method for examining and verifying identifying document of bank depositor |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN 200410026374 CN1728659A (en) | 2004-07-28 | 2004-07-28 | System and method for examining and verifying identifying document of bank depositor |
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| CN1728659A true CN1728659A (en) | 2006-02-01 |
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| Application Number | Title | Priority Date | Filing Date |
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| CN 200410026374 Pending CN1728659A (en) | 2004-07-28 | 2004-07-28 | System and method for examining and verifying identifying document of bank depositor |
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Cited By (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN104021622A (en) * | 2013-03-02 | 2014-09-03 | 庄严 | Method for guard against theft of mobile telephone password encryption of bank account |
| CN106294570A (en) * | 2016-07-27 | 2017-01-04 | 广州商景网络科技有限公司 | A kind of centralized certificate photograph detecting system based on browser and method |
| CN107818455A (en) * | 2017-11-22 | 2018-03-20 | 中国银行股份有限公司 | The teleprocessing system and method for a kind of image |
| CN108682087A (en) * | 2018-05-04 | 2018-10-19 | 深圳怡化电脑股份有限公司 | Terminal equipment failure maintaining method, system and computer readable storage medium |
| CN109740467A (en) * | 2018-12-24 | 2019-05-10 | 北京中安未来科技有限公司 | A kind of electronic certificate recognition methods, apparatus and system |
-
2004
- 2004-07-28 CN CN 200410026374 patent/CN1728659A/en active Pending
Cited By (7)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN104021622A (en) * | 2013-03-02 | 2014-09-03 | 庄严 | Method for guard against theft of mobile telephone password encryption of bank account |
| CN106294570A (en) * | 2016-07-27 | 2017-01-04 | 广州商景网络科技有限公司 | A kind of centralized certificate photograph detecting system based on browser and method |
| CN106294570B (en) * | 2016-07-27 | 2019-09-24 | 广州商景网络科技有限公司 | A kind of centralized certificate photograph detection system and method based on browser |
| CN107818455A (en) * | 2017-11-22 | 2018-03-20 | 中国银行股份有限公司 | The teleprocessing system and method for a kind of image |
| CN107818455B (en) * | 2017-11-22 | 2021-11-05 | 中国银行股份有限公司 | Remote processing system and method for image |
| CN108682087A (en) * | 2018-05-04 | 2018-10-19 | 深圳怡化电脑股份有限公司 | Terminal equipment failure maintaining method, system and computer readable storage medium |
| CN109740467A (en) * | 2018-12-24 | 2019-05-10 | 北京中安未来科技有限公司 | A kind of electronic certificate recognition methods, apparatus and system |
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