TWM563592U - User identity inquiry system - Google Patents

Abstract

A user identity inquiry system used in an information system of a financial institution includes a central host, an identity inquiry unit, an integrated operation platform, and an identity confirmation business unit. The identity inquiry unit and integrated operation platform are the hosts of the communication connection center. Identity verification business unit communication connection integration operation platform. When the identity inquiry unit receives the transaction information of the user of the electronic payment platform and determines that the user has completed the user identity confirmation, the identity inquiry unit transmits the result of the user's user identity confirmation to the electronic payment platform. If it is determined that the user has not confirmed the identity of the user, the identity confirmation business unit submits an identity verification request message to the credit data center, and transmits the result of the identity verification of the user to the electronic payment platform through the central host or the identity query unit.

Description

User identity query system

This creation is about an information inquiry system, and more particularly about a user identity inquiry system for financial institutions.

With the vigorous development of e-commerce and the popularization of electronic payment services, long-distance online transactions have become an important transaction channel, and the online consumption of people online to overseas shopping sites such as the mainland is in a trend. In response to this trend, local bankers have launched services for local bank customers to pay online with local bank chip financial cards when they make purchases at overseas shopping sites. This kind of debit card payment method is free of foreign exchange settlement and can complete transactions instantly, making online shopping more convenient and saving costs. Compared with the previous situation where consumers paid a higher transaction fee and paid in foreign currency online for cross-border credit card payments, the use of local bank financial cards can save more transaction fees.

In this way, the number of people using chip financial card payment services will increase, and the cross-border remittance business volume of financial institutions will also increase as a result. In addition, when financial institutions handle cross-border remittance services, in order to comply with the regulations of the competent authority or transaction security considerations, they must verify the identity of the financial card account in the transaction to prevent counterfeiting and reduce transaction risks. For example, when conducting cross-border remittance business, financial institutions must implement identity verification procedures and check with the Joint Collection Center, such as reporting cases to users of electronic payment accounts and strengthening information on identity verification notes. In this way, the processing capacity of the relevant identity authentication in the financial institution's information system will also increase. For the central host of the financial institution's information system that already has a large amount of information and business to be processed, the center will be aggravated. The consumption and burden of the host's computing and network resources affect the central host and even the performance of the overall information system.

One of the purposes of this creation is to propose a user identity query system that can be applied to the information systems of financial institutions, thereby effectively reducing the consumption and burden on the central host's computing and network resources of the processing of user identity queries. , And can improve the overall efficiency of user identity query processing.

In order to achieve at least the above-mentioned purpose, this creation proposes a user identity query system for use in an information system of a financial institution. The user identity query system includes a central host, an identity query unit, an integrated operation platform, and an identity confirmation business unit. Identity query unit communication connection center host. Integrated operation platform communication connection center host. Identity verification business unit communication connection integration operation platform. The integrated operation platform is used for message transmission and processing between the central host and the identity confirmation business unit. The identity verification business unit is used to integrate the transmission and processing of messages between the operating platform and the credit data center. Among them, when the identity inquiry unit receives the transaction information of the user of the electronic payment platform, the identity inquiry unit judges whether the user has completed the identity verification of the user; if the identity inquiry unit judges that the user has completed the identity verification of the user, the identity inquiry The unit transmits the result of the user's identity verification to the electronic payment platform; if the identity inquiry unit determines that the user has not confirmed the identity of the user, the identity inquiry unit notifies the central host to send a request message, and the identity confirmation business unit passes The integration operation platform receives the request message and submits an identity verification request message to the credit data center, and the identity confirmation business unit outputs the user's identity confirmation result according to the verification result responded by the credit data center, and the integration operation platform and the central host or identity inquiry unit Send the result of user identification to the electronic payment platform. If the identity inquiry unit determines that the identity verification of the user has been completed for the user, the identity inquiry unit transmits the result of the identity verification of the user to the electronic payment platform.

In one embodiment of this creation, the central host sends the result of the user's identity confirmation for the user to the identity query unit and stores it. When the identity query unit receives another transaction message about the user from the electronic payment platform, the identity The query unit determines that a user identity confirmation result for the user exists, and the identity query unit transmits the user identity confirmation result for the user to the electronic payment platform.

In one embodiment of the present invention, the identity querying unit is further configured to determine whether the number of times of transaction information for a user within a time interval is greater than a threshold value.

In an embodiment of the present invention, if the identity querying unit determines that the number of times a user's transaction information is within a time interval is greater than or equal to a threshold value, the identity querying unit notifies the central host to send a request message again for user identity confirm.

In one embodiment of the present invention, if the identity querying unit determines that the number of times a user's transaction information is within a time interval is less than a threshold value, the identity querying unit transmits a user identity confirmation result for the user to the electronic payment platform. , And the identity query unit no longer informs the central host to confirm the user identity again for the user.

In one embodiment of the present invention, one of the identity query unit and the central host periodically sends a request message to the user to re-confirm the user's identity to update the user's identity confirmation result for the user.

In an embodiment of the present invention, when the identity querying unit receives another transaction information about the user from the electronic payment platform, the identity querying unit judges whether the user identity verification result and an identity verification key for the user exist; If the identity querying unit determines that both the user identity verification result and the identity verification key for the user exist, the identity querying unit sends the user identity verification result for the user to the electronic payment platform to notify the user of the electronic payment platform Transactions can proceed.

In an embodiment of the present invention, if the identity querying unit determines that the user identity verification result and the identity verification key for the user are not all present, the identity querying unit notifies the central host to send a request message again for user identity confirm.

In one embodiment of the present invention, the identity verification key has a time limit. If the identity verification key has expired, the identity querying unit determines that the identity verification key does not exist because it has expired.

In one embodiment of the present invention, the identity confirmation business unit communicates with the credit data center through a web server by using a web service request method.

In this way, the embodiment of the user identity query system can efficiently reduce the consumption and burden of the processing of the user's identity query on the central host's computing and network resources, and can improve the overall processing of the user's identity query. s efficiency.

In order to fully understand the purpose, features, and effects of this creation, we will use the following specific examples and the accompanying drawings to explain this creation in detail, as described below:

Please refer to FIG. 1, which is a schematic block diagram of an application scenario of an embodiment of a user identity query system. The user identity inquiry system 1 is used in an information system of a financial institution, for example, it is a part of the information system of a financial institution. As shown in FIG. 1, the user identity query system 1 includes a central host 100, an identity query unit 110, an integrated operation platform 200, and an identity confirmation business unit 300. The identity inquiry unit 110 is connected to the central host 100 in communication. The integrated operation platform 200 communicates with the central host 100. The identity confirmation business unit 300 communicates with the integrated operation platform 200. The integrated operation platform 200 is used for message transmission and processing between the central host 100 and the identity confirmation business unit 300. The identity confirmation business unit 300 is used to integrate the information transmission and processing between the operation platform 200 and the credit data center 40. For example, the identity confirmation business unit 300 may be implemented as an identity identification platform, or may be implemented using an online banking platform or an electronic financial business management system. The credit reference center 40 is, for example, a joint credit reference center or any credit reference center or a combination thereof. However, the realization of this creation is not limited by these examples.

In the application scenario shown in FIG. 1, a user can perform shopping or any transaction on a cross-border website through a terminal device 10, and thus needs to perform an outbound transaction. Therefore, the terminal device 10 transmits transaction information. It is transmitted to the electronic payment platform 20, such as Caijin Company's cross-border electronic payment platform or other third-party payment platforms. The terminal device 10 is, for example, a computing device such as a mobile device or a personal computer. In the embodiment of FIG. 1, when the identity inquiry unit 110 receives the transaction information of the user of the electronic payment platform 20, the identity inquiry unit 110 determines whether the identity verification of the user has been completed for the user. If the identity inquiry unit 110 determines that the user has not confirmed the identity of the user, the identity inquiry unit 110 notifies the central host 100 to send a request message. The identity confirmation business unit 300 receives the request message through the integrated operation platform 200 and submits the identity verification request message to the credit data center 40 accordingly. The identity verification business unit 300 outputs the identity verification result of the user according to the check result responded by the credit data center 40, and transmits the identity verification result of the user to the electronic payment platform 20 through the integrated operation platform 200 and the central host 100 or the identity inquiry unit 110. If the identity inquiry unit 110 determines that the identity verification of the user has been completed for the user, the identity inquiry unit 110 transmits the result of the identity verification of the user to the electronic payment platform 20. For example, if a user identity verification result exists for a user, it means that the user identity verification has been completed for the user.

Thus, in the embodiment based on FIG. 1, the user identity query system 1 utilizes the identity query unit 110 and the identity confirmation business unit 300, thereby effectively reducing the calculation and network of the central host 100 by the user identity query processing. Consumption and burden on resources, and can improve the overall efficiency of the processing of user identity queries.

In addition, in FIG. 1, the identity confirmation business unit 300 communicates with the credit data center 40 through the web server 30 using a web service request method, for example. However, the realization of this creation is not limited by these examples. The identity confirmation business unit 300 may also be implemented to communicate with the credit data center 40 by using an application program interface or some communication protocol.

In addition, in an embodiment based on FIG. 1, the user uses the terminal device 10 to perform a cross-border remittance service of a financial card, or uses a mobile bank to cooperate with a two-dimensional bar code (such as a QR code) for the cross-border remittance service. For a financial institution to which a financial card belongs (such as a bank established in Taiwan), the user identity inquiry system 1 of the financial institution may check with the credit reference center 40 (such as the joint collection center) "P33 electronic payment account user notification cases and Strengthen identity verification annotation information. " In this embodiment, the identity verification request message can be queried according to the manner required to verify the "e-payment account user report case and strengthen identity confirmation note information" (its code is P33), where P33 is to enter the identity of the natural person under investigation ID number search (if you are a foreigner, enter a unified ID number or tax ID number, the first eight digits of the tax ID number are the date of birth of the BC, the last two digits are the two letters before the first word of the English name on the passport ), Or enter the uniform number of the enterprise under investigation for query. In this embodiment, the identity verification request message may carry the identity card number of the user. In addition, the check result of the credit reference center 40 response may have many fields. For example, if the user has been notified, the account name, case, date of occurrence, reporting unit, account number, reporting date, and explanatory information will be listed item by item under the “Notified Case” section in the inspection results. For example, the information represented by the content of the field is "electronic payment account type / fraud, money laundering" or "electronic payment account type / submission of false identity information" or other. In this embodiment, the identity confirmation business unit 300 outputs a user identity confirmation result according to the verification result responded by the credit data center 40. There are many ways to generate user identity verification results. For example, the identity confirmation business unit 300 outputs a user identity confirmation result by searching at least one or more designated fields in the verification result, where the designated fields are, for example, fields related to identity authentication or transaction risk, such as "notification The case or description field in Case. In addition, the identification criteria can also be implemented in the identity confirmation business unit 300. For example, if there is no "notified case" content in the inspection result, the output of the user's identity confirmation result is passed. If there is a "Notified Case" in the inspection result and the field in the "Notified Case" exists or the account name related to the "Notified Case" matches the username of the current inspection, the output of the user identity confirmation result is not passed. For example, if the result of the inspection contains the "Notified Case" content, and the information represented by the content of the case or description field is "Electronic Payment Account Class / Engaging in Fraud, Money Laundering" or "Electronic Payment Account Class / Submitting Fake Identity Information" The user identity verification result is output as a failure. Therefore, when the identity verification result of the user is not passed, the identity inquiry unit 110 or the central host 100 can indicate to the electronic payment platform 20 that the user's transaction is rejected. In addition, in another embodiment, if the user has handled the enhanced identity confirmation note, the registration date, message type, and message content will be listed item by item under "Enhanced Identity Confirmation Note" in the inspection result. For example, the type of message or the content of the message content field represents information about "identity of counterfeiting" or other information. For example, if the check result contains the content of "Enhancing Identity Confirmation Note", and the content of the message type or the content field of the message represents information related to "identity of counterfeiting," then the output of the user identity confirmation result is not passed. In addition, the judgment criterion can be implemented by using one or more fields in the contents of the "Notified Case" and "Enhancing Identity Confirmation Notes" in the inspection results as the basis for determining whether the identity verification result of the user is passed or not. However, the realization of this creation is not limited by these examples.

The following further proposes various embodiments of the system architecture based on the user identity query system of FIG. 1 using load offloading to illustrate that under this architecture, the computation and network of the central host 100 that can efficiently reduce the processing of user identity queries can be generated. Consumption and burden on resources, and can improve the overall efficiency of user identity query processing.

In an embodiment based on FIG. 1, the central host 100 transmits the result of the user identity confirmation for the user to the identity inquiry unit 110 and stores the result. When the identity inquiry unit 110 receives another information about the user from the electronic payment platform 20 When the transaction information is received, the identity query unit 110 determines that a user identity confirmation result for the user exists, and the identity query unit 110 transmits the user identity confirmation result for the user to the electronic payment platform 20. In this way, the identity inquiry unit 110 no longer informs the central host 100 to perform user identity confirmation again for the user, which can reduce the burden on the central host 100.

In an embodiment based on FIG. 1, the identity querying unit 110 is further configured to determine whether the number of times of transaction information for a user within a time interval (such as 1 day, 2 days, or 3 days) is greater than a threshold value (such as 5 Or other times). If the identity querying unit 110 determines that the number of times a user's transaction information is within a time interval is greater than or equal to a threshold value, the identity querying unit 110 notifies the central host 100 to send a request message again for user identity confirmation. In this way, the identity query unit 110 can prevent the central host 100 from notifying the user of confirming the identity of the user again when the number of transactions of the user is abnormal, which can reduce the risk of the transaction.

Furthermore, if the identity querying unit 110 determines that the number of times of transaction information of the user within the time interval is less than the threshold value, the identity querying unit 110 transmits the result of the confirmation of the user's identity to the user to the electronic payment platform 20, and the identity The query unit 110 no longer informs the central host 100 to perform user identity confirmation again for the user. For example, if the time interval is one day, if the user has confirmed the identity of the user in the morning and obtained the result of the identity verification of the user, the electronic payment platform 20 sends a transaction message again or multiple times in the same day. At this time, the identity querying unit 110 can transmit the result of user identity confirmation to the electronic payment platform 20 without requiring the central host 100 to perform user identity confirmation. In this way, the identity inquiry unit 110 no longer informs the central host 100 to perform user identity confirmation again for the user, which can reduce the burden on the central host 100. In addition, this embodiment can be further implemented as one of the identity querying unit 110 and the central host 100 periodically sends a request message to the user to re-confirm the user's identity to update the user's identity confirmation result for the user. In this way, the central host 100 or the identity querying unit 110 automatically arranges an appropriate time to perform user identity confirmation again for the user, which can reduce the burden on the central host 100. This embodiment is especially applicable to a situation where frequent users are found, for example, user identity confirmation can be selectively performed for frequent users during non-peak hours. In this way, the identity query unit 110 can avoid the burden on the system when the user's transactions are frequent, and can prevent anti-counterfeiting and reduce the risk of transactions, while also increasing the response efficiency to the electronic payment platform 20.

In an embodiment based on FIG. 1, when the identity inquiry unit 110 receives another transaction information about the user from the electronic payment platform 20, the identity inquiry unit 110 determines the result of the identity verification of the user and the identity verification key for the user. Whether it exists; if the identity query unit 110 determines that both the user identity confirmation result and the identity verification key for the user exist, the identity query unit 110 sends the user identity confirmation result for the user to the electronic payment platform 20 for notification Transactions of users of the electronic payment platform 20 can be performed. In this way, the identity querying unit 110 no longer informs the central host 100 to perform user identity verification again for the user, which can reduce the burden on the central host 100, and further improve the security by confirming whether the identity verification key exists. In addition, if the identity querying unit 110 determines that the user identity verification result and the identity verification key for the user are not all present, the identity querying unit 110 notifies the central host 100 to send a request message again for user identity verification.

In an embodiment based on FIG. 1, the identity verification key has a time limit. If the identity verification key has expired, the identity querying unit 110 determines that the identity verification key does not exist because it has expired. For example, the identity inquiry unit 110 may receive an identity verification key of one of the users from the electronic payment platform 20 and store the identity verification key in the identity inquiry unit 110. In this way, the security of transactions can be enhanced. In addition, the identity verification key can be generated on the user's terminal device 10 or generated by the terminal device 10 through the internet banking platform of a financial institution. In addition, the identity verification key can be implemented by using public-key encryption technology, and the identity query unit 110 receives the public key. In addition, the identity verification key can be implemented as a verification code.

In one embodiment of the present invention, the integrated operation platform 200 can communicate with multiple business management systems to integrate various business management systems in a financial institution. The integrated operation platform 200 may distribute the pending message to one of the plurality of business management systems and converge the reply message from the isochronous business management system to the central host 100 according to the type of the pending message transmitted from the central host 100.

Please refer to FIG. 2, which is a schematic block diagram of another embodiment of a user identity query system. As shown in FIG. 2, the identity querying unit 110 can further communicate with the integrated operation platform 200. In this way, when the integrated operation platform 200 receives the user's identity confirmation result, it can be directly transmitted to the identity querying unit 110 and query by the identity The unit 110 transmits a user identity confirmation result of the user to the electronic payment platform. The user identity query system of FIG. 2 can also be applied to any other embodiment.

In addition, in an application scenario using any of the above embodiments, if a large number of users (such as 1,000, 5000, or 10,000, etc.) of the electronic payment platform have conducted at least two cross-border transactions, the user identity query system After receiving the transaction information of these users, the user identity query system can save at least 50% of the processing time of internal information required for user identity confirmation, communication with the credit data center and subsequent processing, and the Internet And computing resources. From this, it can be known that the embodiment of the user identity query system can efficiently reduce the consumption and burden of the user identity query processing on the internal calculations of the user identity query system and network resources, and can improve the user identity The overall efficiency of query processing.

Please refer to FIG. 3, which is a schematic flowchart of an operation method of the user identity query system 1 in an embodiment of the creation.

As shown in step S10, the identity inquiry unit 110 receives a transaction message from one of the users of the electronic payment platform 20. Step S10 may be implemented as: the identity inquiry unit 110 receives the transaction message from the electronic payment platform 20, or the identity inquiry unit 110 receives the transaction message through the central host 100. As shown in step S20, the identity query unit 110 determines whether the user identity verification has been completed for the user. As shown in step S25, if the identity inquiry unit 110 determines that the identity verification of the user has been completed for the user, the identity inquiry unit 110 transmits the result of the identity verification of the user to the electronic payment platform 20. As shown in step S30, if the identity querying unit 110 determines that the user has not confirmed the identity of the user, the identity querying unit 110 notifies the central host 100 to send a request message. As shown in step S40, the identity confirmation business unit 300 receives the request message through the integrated operation platform 200 and accordingly submits an identity verification request message to the credit data center 40. As shown in step S50, the identity confirmation business unit 300 outputs a user identity confirmation result according to the check result responded by the credit data center 40. As shown in step S60, the identity confirmation business unit 300 transmits the user identity confirmation result to the central host 100 or the identity query unit 110 through the integrated operation platform 200. As shown in step S70, the user identity confirmation result is transmitted to the electronic payment platform 20. The steps or processes in the embodiments of the above method can be repeatedly executed to deal with the transaction information of the electronic payment platform. In addition, the embodiments of the above method can also be applied to any other embodiments.

In addition, please refer to FIG. 4, which is a schematic block diagram of an exemplary embodiment of a computing device. According to the architecture of the computing device of FIG. 3, a terminal device or a server can be further implemented. As shown in FIG. 4, the computing device 400 includes a communication unit 410, a processing unit 420, and a storage unit 430. The communication unit 410 may perform a signal connection with a network or other computing devices in a wired or wireless manner. The processing unit 420 is electrically coupled to the communication unit 410. The storage unit 430 is electrically coupled to the processing unit 420 and is used to store data such as messages or inspection results.

In one embodiment, the computing device 400 may be implemented as a server. Any one of the aforementioned central host 100, identity inquiry unit 110, integrated operation platform 200, and identity confirmation business unit 300 may be implemented by using one or more servers. For example, the communication unit 410 of the computing device 400 is configured to establish a communication link with at least one of a frequency band network, an optical fiber network, a wireless local area network, and a mobile communication network. The storage unit 430 is, for example, a storage device, a database, a network storage, or a combination thereof. For example, the identity querying unit 110 may be implemented by using a database server, which may use a database to store user identity confirmation results, and may be configured or programmed to implement one of the foregoing embodiments or a combination thereof.

In another embodiment, the computing device 400 may be implemented as a terminal device (such as 10). The terminal device may further include a display unit, a touch display unit, or other units or circuits, so as to implement a computing device, such as a smart phone, a tablet computer, a notebook computer, or a desktop computer.

In this way, the embodiment of the user identity query system can efficiently reduce the consumption and burden of the processing of the user's identity query on the central host's computing and network resources, and can improve the overall processing of the user's identity query. s efficiency.

This creation has been disclosed above with a preferred embodiment, but those skilled in the art should understand that this embodiment is only used to describe this creation, and should not be interpreted as limiting the scope of this creation. It should be noted that all changes and substitutions equivalent to this embodiment should be included in the scope of this creation. Therefore, the scope of protection of this creation shall be defined by the scope of the patent application.

1‧‧‧user identity query system
10‧‧‧Terminal device
20‧‧‧ electronic payment platform
30‧‧‧ web server
40‧‧‧Credit Information Centre
100‧‧‧ center host
110‧‧‧ Identity inquiry unit
200‧‧‧ Integrated Operation Platform
300‧‧‧ Identity Confirmation Business Unit
400‧‧‧ Computing Device
410‧‧‧communication unit
420‧‧‧processing unit
430‧‧‧Storage unit
S10 ~ S70‧‧‧step

[Fig. 1] A block diagram of an application scenario of an embodiment of a user identity query system. [Fig. 2] It is a schematic block diagram of another embodiment of the user identity query system. [Fig. 3] It is a schematic flowchart of an embodiment of an operation method of the user identity query system. [FIG. 4] A block diagram of an embodiment of a computing device.

Claims (10)

A user identity query system is used in an information system of a financial institution. The user identity query system includes: a central host; an identity query unit that communicates with the central host; an integrated operating platform that communicates with the central host ; And an identity confirmation business unit, which communicates with the integration operation platform; wherein the integration operation platform is used for message transmission and processing between the central host and the identity confirmation business unit; the identity confirmation business unit is used in the integration operation platform Message transmission and processing with a credit data center, wherein when the identity inquiry unit receives a transaction message of one of the users of the electronic payment platform, the identity inquiry unit judges whether the user identity has been completed for the user Confirm; if the identity inquiry unit determines that the identity verification of the user has been completed for the user, the identity inquiry unit transmits the result of the user identity verification of the user to the electronic payment platform; if the identity inquiry unit judges the The user has not confirmed the user ’s identity, the The sub-query unit notifies the central host to send a request message, the identity confirmation business unit receives the request message through the integration operation platform and accordingly submits an identity verification request message to the credit data center, and the identity confirmation business unit is based on the credit information The verification result responded by the center outputs the result of user identity confirmation, and the user identity confirmation result is transmitted to the electronic payment platform through the integrated operation platform and the central host or the identity query unit. The user identity query system described in claim 1, wherein the central host sends the user identity confirmation result for the user to the identity query unit and stores it, and when the identity query unit receives the electronic payment platform, When another transaction message of the user is received, the identity inquiry unit determines that the identity verification result of the user exists for the user, and the identity inquiry unit transmits the result of the identity verification of the user to the user. Electronic payment platform. The user identity query system according to claim 2, wherein the identity query unit is further configured to determine whether the number of times of transaction information for the user within a time interval is greater than a threshold value. The user identity inquiry system as described in claim 3, wherein if the identity inquiry unit determines that the number of times the user's transaction information in the time interval is greater than or equal to the threshold value, the identity inquiry unit notifies the center The host sends the request message again to confirm the identity of the user. The user identity query system as described in claim 4, wherein if the identity query unit determines that the number of times the user's transaction information is within the time interval is less than the threshold value, the identity query unit will target the user The identity verification result of the user is transmitted to the electronic payment platform, and the identity inquiry unit no longer informs the central host to perform user identity verification again for the user. The user identity inquiry system as described in claim 2, wherein one of the identity inquiry unit and the central host sends the request message to the user periodically to re-confirm the user identity to update the use for the user The result of identity verification. The user identity inquiry system according to claim 1, wherein when the identity inquiry unit receives another transaction message of the user from the electronic payment platform, the identity inquiry unit judges the identity of the user against the user Whether the confirmation result and an identity verification key exist; if the identity inquiry unit determines that the user identity verification result and the identity verification key for the user both exist, the identity inquiry unit will address the use of the user The result of the identity verification is transmitted to the electronic payment platform to notify the electronic payment platform that the user's transaction can be performed. The user identity query system as described in claim 7, wherein if the identity query unit determines that the user identity confirmation result and the identity verification key for the user are not all present, the identity query unit notifies the center The host sends the request message again to confirm the identity of the user. The user identity query system described in claim 7, wherein the identity verification key has a time limit, and if the identity verification key has expired, the identity inquiry unit determines that the identity verification key has expired due to does not exist. The user identity query system according to claim 1, wherein the identity confirmation business unit communicates with the credit data center by using a network service request method.