TWM588313U - System for confirming user identity through financial account information - Google Patents

Abstract

A system for confirming user identity through financial account data. After obtaining application data generated by a client through a service server, the account confirmation data in the application data is verified through a financial server to confirm the user identity, and the account confirmation data is passed. After the financial server is verified, the technical means of completing the application operation based on the operation data in the application data can complete the identity confirmation without digital vouchers, and achieve the technical effect of increasing the online confirmation of identity.

Description

System for confirming user identity through financial account information

An identity confirmation system, particularly a system that confirms the identity of a user through financial account information.

In recent years, due to the rapid development of the communications and Internet-related industries, the demand for electronic and mobile services has been increasing. Many of the services and services that had to be handled on the spot have been completed through the Internet. However, because some services are restricted by law, identity needs to be confirmed when applying for services, so they can only be handled in person, such as opening an account at a financial institution or applying for a new door number or code-carrying service at a telecommunications institution.

Recently, with the loosening of laws and regulations, account opening operations and applications such as new door numbers and port codes can be completed online while confirming the identity of the applicant through the Internet. At present, identity verification methods carried out through the Internet are mostly completed using digital certificates such as natural person certificates or financial transaction certificates. Due to the payment of digital vouchers, for most people who do not often use digital vouchers, they do not apply for digital vouchers in particular, which makes them unable to enjoy the need to complete the account opening or new office number or portability code through the Internet Application for confirmation of identity.

To sum up, it can be known that in the prior art, there has been a problem that online identity verification methods mostly use digital credentials to prevent most people from online identity verification. Therefore, it is necessary to propose improved technical methods to solve this problem.

In view of the problem that in the prior art, most people cannot complete their online identity verification without digital credentials, this creation then discloses a system for confirming the identity of users through financial account information, of which:

The system disclosed in this creation for confirming the identity of users through financial account information includes at least: a service server; a client to generate application data and to send application data to the service server, where the application data includes account confirmation Data and operation data; financial server, used by the service server to receive account confirmation data, and used to verify account confirmation data, and generate verification results, and send the verification results to the service server, so that the service server indicates the verification results When the account confirmation data is verified, the corresponding application operation is performed according to the operation data.

The system disclosed in this creation is as above. The difference from the previous technology is that after obtaining the application data generated by the client through the service server, this creation sends the account confirmation data in the application data to the financial server for verification by the financial server. Account confirmation data to confirm the identity of the user. After the account confirmation data is verified by the financial server, the service server completes the application operation based on the operation data in the application data to solve the problems existing in the prior technology and can increase the identity confirmation. Technical efficacy of the way.

The following will describe the features and implementation of this creation in detail with drawings and examples. The content is sufficient to enable any person skilled in the art to fully understand and implement the technical means applied to solve technical problems in this creation, thereby realizing What this creation can achieve.

This creation allows users to perform specific operations that require identity verification online, and completes user identity verification by pre-existing user data stored in other financial units. The above-mentioned specific operations include, but are not limited to, online application for new phone numbers, portability services, digital account opening, etc.

The following first illustrates the system of this creation based on the structure diagram of confirming the user's identity through financial account data mentioned in the first picture. As shown in "Figure 1", the created system includes a client 110, a service server 120, a financial server 130, and an attachable telecommunications server 140. Among them, the client 110, the service server 120, the financial server 130, and the telecommunications server 140 are computing devices.

The computing devices mentioned in this creation include, but are not limited to, one or more processors, one or more memory modules, and buses and other components that connect different components (including memory modules and processors). Through the contained multiple components, the computing device can load and execute the operating system, so that the operating system can run on the computing device, and can also execute software or programs. In addition, the computing device also includes a housing, and each of the above components is disposed in the housing.

The buses of computing devices mentioned in this creation can include one or more types, such as data buses, address buses, control buses, and extended function buses ( expansion bus), and / or local bus. Computing device buses include, but are not limited to, side-by-side Industry Standard Architecture (ISA) buses, peripheral component interconnect (PCI) buses, Video Electronics Standards Association (VESA) local buses, and serial universal buses (USB), PCI-E bus and so on.

The processor of the computing device mentioned in this creation is coupled to the bus. The processor contains a register group or register space. The register group or register space can be completely set on the processing chip, or all or part of it can be set outside the processing chip and connected through a dedicated electrical connection. And / or coupled to the processor via a bus. The processor may be a processing unit, a microprocessor, or any suitable processing element. If the computing device is a multi-processor device, that is, the computing device includes multiple processors, the processors included in the computing device are all the same or similar, and are coupled and communicated through a bus. The processor can interpret a series of multiple instructions to perform specific operations or operations, such as mathematical operations, logical operations, data comparison, copying / moving data, etc., to run the operating system or execute various programs, modules, and / or element.

The processor of the computing device may be coupled to the chipset or electrically connected to the chipset through a bus. The chipset is composed of one or more integrated circuits (ICs), including a memory controller and a peripheral input / output (I / O) controller, that is, a memory controller and a peripheral input / output controller can be included in Within an integrated circuit, two or more integrated circuits can also be used. The chipset usually provides I / O and memory management functions, and provides multiple general and / or special registers, timers, etc., among which the above general and / or special registers and timers can be coupled or One or more processors electrically connected to the chipset are accessed or used.

The processor of the computing device can also access the data in the memory module and the mass storage area installed on the computing device through the memory controller. The above memory modules include any type of volatile memory and / or non-volatile memory (NVRAM) memory, such as static random access memory (SRAM), dynamic random access Memory (DRAM), flash memory (Flash), read-only memory (ROM), etc. The above-mentioned large-capacity storage area may include any type of storage device or storage medium, such as a hard disk drive, a compact disc, a flash drive (flash memory), a memory card, a solid state disk (Solid State Disk, SSD), or any other storage device. That is, the memory controller can access data in static random access memory, dynamic random access memory, flash memory, hard drives, and solid-state hard drives.

The processor of the computing device can also connect and communicate with peripheral devices such as peripheral output devices, peripheral input devices, communication interfaces, and GPS receivers through peripheral input / output controllers via peripheral input / output buses. The peripheral input device can be any type of input device, such as a keyboard, mouse, trackball, touchpad, joystick, etc. The peripheral output device can be any type of output device, such as a monitor, printer, etc. It may be the same device as the peripheral output device, such as a touch screen. The communication interface may include a wireless communication interface and / or a wired communication interface. The wireless communication interface may include a mobile communication network supporting Wi-Fi, Zigbee and other wireless LANs, Bluetooth, infrared, near field communication (NFC), 3G / 4G / 5G, etc. Or other wireless data transmission protocol interfaces. The wired communication interface can be an Ethernet device, an asynchronous transfer mode (ATM) device, a DSL modem, or a cable modem. The processor can poll various peripheral devices and interfaces periodically, so that the computing device can input and output data through various peripheral devices and interfaces, and can also communicate with another computing device with the components described above.

The client 110 may be a computer, a mobile phone, a tablet, etc., but this creation is not limited to this. The client 110 can be connected to the service server 120 through a wireless network, and can send data or signals to the service server 120, and can also receive data or signals transmitted by the service server 120. Among them, the wireless networks mentioned in this creation include, but are not limited to, wireless local area networks such as WiFi, and mobile communication networks such as 3G / 4G.

The client 110 is responsible for generating application data, and is also responsible for transmitting the generated application data to the service server 120. The application data generated by the client 110 includes account confirmation data and operation data. The operation data can be provided to the service server 120 to complete the online application operation, including the user's personal data. Generally, the operation data varies with the online application operation requested by the client 110 to the service server 120. different. Among them, the personal information mentioned in this creation includes, but is not limited to, name, birthday, ID number, mobile phone number, address, email address, image of identity document, etc.

Account confirmation data can include account information and confirmation data for accounts of other financial units. For example, the client 110 may provide the user to input the applicant information provided when opening an account in another financial unit, and may first provide the user to connect to a financial card (not shown) issued by the same financial unit and may provide user input. After the password of the debit card is provided to the debit card for verification, the account information and bet code information provided by the debit card are received to generate account confirmation data including the applicant's information, account number information, and bet code information. , The applicant information and the bet code information are confirmation information; the client 110 can also obtain account information and identification information, and generate account confirmation data containing account information and identification information. At this time, the identification data is confirmation information; the client 110 also Account information, identification information, and permission tokens can be obtained, and account confirmation data including account information, identification information, and permission tokens can be generated. At this time, identification data and permission tokens are confirmation data. Among them, the above-mentioned applicant information is information items such as name, birthday, graduation school, etc .; the above-mentioned identification information is information such as identification card number, passport number, etc. that are sufficient to identify the user.

The service server 120 may provide the client 110 connection through a wireless network, and may also connect with the financial server 130 through a wired or wireless network. In this way, the service server 120 can send data or signals to the client 110 / financial server 130, and can also receive data or signals sent by the client 110 / financial server 130. For example, the service server 120 may receive the application data transmitted by the client 110, and may transmit the account confirmation data contained in the application data to the financial server 130, or may receive the verification result returned by the financial server 130.

The service server 120 may provide services to the client 110 for use. In some embodiments, the service server 120 may include two or more computing devices that are electrically connected. Each computing device included in the service server 120 has the functions provided by one or more service servers 120; each computing device can transfer data or signals to each other through a wired or wireless network, but not necessarily located at the same location .

The service server 120 is also responsible for performing corresponding application operations according to the operation data in the application data received from the client 110 when the verification result received from the financial server 130 indicates that the account confirmation data has passed the verification. If the verification result indicates that the account confirmation data has not been verified, the service server 120 may generate an error message, and may return the generated error message to the client 110.

The financial server 130 may be connected to the service server 120 through a wired or wireless network, and may also provide the client 110 connection through a wireless network. In this way, the financial server 130 can send data or signals to the service server 120 / client 110, and can also receive data or signals sent by the service server 120 / client 110. For example, the financial server 130 may receive the account confirmation data by the service server 120, and may also transmit the generated verification result to the service server 120.

The financial server 130 is also responsible for verifying the received account confirmation data. In more detail, when the account confirmation data includes the applicant information, account information, and bet code information, the financial server 130 may check the bet code information based on the account information, and may read the bet code information based on the account information when it passes the check. The corresponding account information provided by the holder of the corresponding account at the time of account opening is compared with the corresponding data items in the applicant's information and the holder's information to verify the account confirmation data; and when the account verification data When the account information, identification information, and permission information are included, the financial server 130 may first read the identity card number provided by the holder of the corresponding account according to the account information when opening the account, and then compare the identification information with the read out Whether the identity card number is the same to confirm whether the account information and identification information correspond, and when confirming that the account information and identification information correspond, read the door kept by the holder of the account corresponding to the account information based on the account information or identification information Data, and transmit identification data, license tokens and read the door number data to the telecommunication server 140, so as to pass the telecommunication server 1 40 verify account confirmation data; and if the account verification data includes account data and identification data, the financial server 130 may also first confirm whether the account data and identification data correspond according to the above, and when confirming that the account data and identification data correspond, based on the account number The data or identification data reads the door number data retained by the account holder corresponding to the account data, and sends verification data to the client 110 according to the read door number data, and receives response data sent by the client 110 , And compare the verification data with the response data to verify account confirmation data. The verification data sent by the financial server 130 is usually generated by arbitrarily arranging any number of letters or numbers, and has timeliness, such as one-time passwords, but this creation is not limited to this.

The financial server 130 is also responsible for generating verification results of account verification data. In other words, the financial server 130 may generate a verification result indicating that the account confirmation data fails the verification when the account confirmation data fails the verification, or may generate a verification result indicating that the account confirmation data passes the verification when the account confirmation data passes the verification.

The telecommunications server 140 may be connected to the financial server 130 through a wired or wireless network, and may also be connected to the client 110 through a mobile communication network. In this way, the telecommunications server 140 can send data or signals to the financial server 130 / client 110, and can also receive data or signals sent by the financial server 130 / client 110. For example, the telecommunications server 140 may receive identification data and door number data transmitted by the financial server 130.

The telecommunication server 140 can verify the received identification data and door number data to generate a verification result. In more detail, the telecommunication server 140 can determine whether there is a piece of data including the received identification data and door number data among the pre-stored data. If the data stored in the telecommunication server 140 contains a piece of data containing identification data and door number data, the telecommunication server 140 can generate a verification verification result. On the contrary, if the data stored in the telecommunication server 140 does not exist If both the identification data and the door number data are included, the telecommunication server 140 can generate a verification result that fails the verification.

The telecommunication server 140 may also receive the mobile communication signal transmitted by the client 110 and generate a license token, and may also transmit the generated license token to the client 110. The permitted tokens generated by the telecommunications server 140 are time-oriented, and are usually formed by arbitrarily arranging a certain number of letters, numbers, and symbols. For example, data generated by a specific encoding method such as hash calculation of specific data. The specific data includes, but is not limited to, the device identification data of the client 110, the birthday of the user of the client 110 read from the device identification data of the client 110, the server identification data of the telecommunication server 140, and / or a time stamp There are no special restrictions on this project. When a specific material contains two or more items, the various items may be arranged in a predetermined order or position. In addition, the device identification information mentioned in this creation includes but is not limited to the door number used by the client 110, the card number of the SIM card installed in the client 110, the serial number of the client 110, etc .; the server identification data includes but is not limited to The serial number of the telecommunication server 140, the network address, the network card number, the serial number of a certain hardware component included in the telecommunication server 140, and the like.

The telecommunications server 140 may also receive the license token transmitted by the financial server 130, and may determine whether the received license token is generated by the telecommunications server 140 itself. When the permitted token is not issued by the telecommunication server 140, or the trusted object is not sent to the client 110, the telecommunication server 140 may generate a verification result that fails the verification. Conversely, the telecommunication server 140 may include a piece of data including identification data and door number data in the stored data, and the verification result is only generated when the permitted token is sent by the telecommunication server 140 to the client 110.

Next, the first embodiment is used to explain the operation of the system of this creation, and please refer to the flow chart of confirming the identity of the user through the financial account data mentioned in "2A" of this creation.

After the user operates the client 110 to connect to the service server 120, the user can operate the client 110 to execute the application operation provided by the service server 120. When the user operates the application operation performed by the client 110, the service server 120 may request the client 110 to provide application information. In this embodiment, it is assumed that the application can be an online application door number, an online application portability code, or an online account opening.

The client 110 may generate the application information requested by the service server 120 when the service server 120 requests the application information (step 210). In this embodiment, if the client 110 is a computing device such as a computer that can be connected to the card reader through a connection interface such as USB, as shown in the flowchart of FIG. 2B, the client 110 can provide the user to enter a name, Information about applicants such as birthdays (step 2121) can also provide users to use a card reader to connect the client 110 and the financial card, and provide the user to enter the password of the financial card to drive the financial card to return the user's account information and security code. Message (step 2123), and then generate account confirmation data including the applicant's information entered by the user, and the account information and security code information returned by the financial card (step 2127); if the client 110 is a smart phone, etc. Device, as shown in "Figure 2C" or "Figure 2D", the client 110 can also provide the user to enter account information and identification number (identification information) (step 2133), and generate account information and identification information Account confirmation information (step 2137). In addition, in addition to generating account confirmation data, the client 110 may also provide user input operation data to generate application data including account confirmation data and operation data.

After the client 110 generates the application data, the generated application data may be transmitted to the service server 120. After receiving the application data transmitted by the client 110, the service server 120 may confirm the account included in the application data The data is transmitted to the financial server 130 (step 220). In this embodiment, after the service server 120 receives the application data transmitted by the client 110, the service server 120 may read out the account confirmation data and operation data from the received application data, and may read the application confirmation data according to the read The confirmation information in the account confirmation information is the applicant's information and betting code information or identification information. Select the corresponding connection method, and use the corresponding connection interface provided by the financial server 130 to connect the account according to the selected connection method. The confirmation data is transmitted to the financial server 130.

After the financial server 130 receives the account confirmation data transmitted by the service server 120, the financial server 130 may verify the received account confirmation data (step 230), and may generate a corresponding verification result after the verification.

In this embodiment, if the account confirmation data received by the financial server 130 includes the applicant's information, account number information, and security code information, the financial server 130 can follow the account information as shown in the flow of "Figure 2B" Check the security code message (step 2321), and after determining that the security code message passes the check (step 2325), read the holder's information based on the account information and compare whether the holder's information is the same as the applicant's information (step 2327) to verify account confirmation information. When the holder's information is consistent with the applicant's information, such as the names of the holder's information and the applicant's information are consistent with the data items such as the birthday, the financial server 130 can generate a verification result indicating that the account confirmation data has passed the verification, otherwise, When the information of the holder is different from any of the information of the applicant, the financial server 130 may generate a verification result that the account confirmation data fails the verification.

And if the account confirmation data received by the financial server 130 includes account information and identification card number (identification information), the financial server 130 may first confirm whether the account information and identification information are as shown in the flow of "Figure 2C" Corresponding (step 2331), that is, confirming whether the identity card number of the holder read according to the account information is the same as the received identity card number; if not, the financial server 130 may generate the account confirmation data that fails the verification Verification results. When the account information corresponds to the identification information, the financial server 130 can read the holder's door number information based on the account information or identification information (step 2333), and can generate a one-time password as verification information, and then read the The door number data sends the verification data to the client 110 (step 2335). After that, the financial server 130 can wait to receive the response data returned by the client 110, and the financial server 130 receives the data transmitted by the client 110. After the response data (step 2337), the financial server 130 can compare whether the received response data is the same as the verification data to verify the account confirmation data (step 2339). When the response data is the same as the verification data, the financial server 130 may generate a verification result that the account confirmation data passes the verification; otherwise, the financial server 130 may generate a verification result that the account confirmation data fails the verification.

Returning to "Figure 2A", after the financial server 130 generates a verification result, the generated verification result may be transmitted to the service server 120 (step 240). After receiving the verification result transmitted by the financial server 130, the service server 120 may determine whether the received verification result indicates that the account confirmation data has passed verification. If not, the service server 120 may refuse to perform the application operation requested by the client 110, and may generate an error message, and return the generated error message to the client 110 for display; if the verification result indicates that the account confirmation data passes the verification, Then, the service server 120 may execute the application operation requested by the client 110 according to the operation information in the application information received from the client 110 (step 250). In this embodiment, application operations such as online application door numbers, online application port codes, or online account opening are performed.

In this way, through this creation, the service server 120 can verify the account confirmation data provided by the client 110 through a third-party financial server 130, so that the request provided by the client 110 can be executed on the premise that the data provided by the client 110 is verified. Application job.

In the above embodiment, when the client 110 generates application information (step 210), the client 110 may first connect to the telecommunication server 140 through the mobile communication network and obtain the telecommunications, as shown in the flow of "2D image". The permission token issued by the server 140 may obtain account information and identification information in the manner described in the above embodiment (step 2143), thereby generating account confirmation information including account information, identification information, and permission tokens (step 2147). Further, application data is generated. After that, the client 110 may transmit the generated application data to the service server 120, and the service server 120 may transmit the account confirmation data in the application data to the financial server 130 (step 220).

When the financial server 130 verifies the account confirmation data (step 230), the financial server 130 may first confirm whether the account data and the identification data correspond (step 2341), as shown in the flow of "2D image", that is, the confirmation basis Whether the identity card number of the holder read out from the account information is the same as the received identity card number; if not, the financial server 130 may generate a verification result that the account confirmation data fails the verification. If the account information corresponds to the identification information, the financial server 130 can read the holder's door number data according to the account information or the identification data (step 2343), and can transmit the identification data, permission tokens, and door number data to The telecommunication server 140 performs verification through the telecommunication server 140 (step 2347), and may return the verification result returned by the telecommunication server 140 to the service server 120.

Among them, after the telecommunication server 140 receives the identification data, the license information and the door number data, the telecommunication server 140 can determine whether there is a piece of data in the stored data containing the received identification data and door number data, and can It is determined whether the permission token is issued by the telecommunication server 140 itself. If the data stored in the telecommunication server 140 includes identification data and door number data, and the license token is issued by the telecommunication server 140, the telecommunication server 140 can generate a verification verification result, otherwise, if the telecommunications The data stored by the server 140 does not include data that contains both identification data and door number data, or the permission token is not issued by the telecommunication server 140, and the telecommunication server 140 can generate a verification result that fails the verification.

In summary, it can be seen that the difference between this creation and the prior art is that after the service server obtains the application data generated by the client, it sends the account confirmation data in the application data to the financial server, so that the financial server verifies the account confirmation Data to confirm the identity of the user. After the account confirmation data has been verified by the financial server, the service server completes the technical means of application operation based on the operation data in the application data. By this technical means, it can solve the online confirmation of the previous technology. The identity method mostly uses digital credentials to solve the problem that most people cannot confirm their identity online, thereby achieving the technical effect of increasing the identity verification method.

Furthermore, the system for confirming the identity of users through financial account data in this creation can be implemented in hardware, software, or a combination of hardware and software, and it can also be implemented in a computer system in a centralized manner or distributed with several components. Decentralized implementation of interconnected computer systems.

Although the implementation method disclosed in this creation is as above, the content is not intended to directly limit the scope of patent protection of this creation. Any person with ordinary knowledge in the technical field to which this creation belongs, without departing from the spirit and scope disclosed by this creation, can make some modifications to the form and details of the implementation of this creation, which are all covered by the patent protection of this creation. range. The scope of patent protection for this creation must still be defined by the scope of the attached patent application.

110‧‧‧Client
120‧‧‧Service Server
130‧‧‧Financial Server
140‧‧‧Telecom server step 210‧‧‧ The client generates application data. The application data includes account confirmation data and operation data. Step 2121‧‧‧ The client provides input of applicant information. Step 2123‧‧‧ The client connects to the financial card and Receiving the account information and security code information provided by the debit card Step 2127‧‧‧ The client generates an account confirmation data containing the applicant's information, account information, and security code information Step 2133‧‧‧ The client obtains the account information and identification information Step 2137‧‧‧ client generates account confirmation data containing account information and identification information step 2143‧‧‧ client obtains account information, identification information, and permission information step 2147‧‧‧ client generates account information, identification information, and Account confirmation data for license tokens Step 220‧‧‧ Client sends application data to service server, service server sends account confirmation data to financial server Step 230‧‧‧ Financial server verifies account confirmation data Step 2321‧‧finance The server verifies the security code message according to the account information. Step 2325‧‧‧Finance The server determines whether the security code message passes the verification step 2327‧‧‧ The financial server reads the holder's information based on the financial account number, and compares the holder's information with the applicant's information step 2331‧‧‧ The financial server confirms the account information And identification data corresponds to step 2333‧‧‧ financial server reads door number data based on account data or identification data step 2335 ‧ ‧ financial server sends verification data to client based on door number data step 2337 ‧ financial server Receive the response data sent by the client. Step 2339‧‧ The financial server compares the verification data with the response data to verify the account confirmation data. The server reads the door number data according to the account data or identification data. Step 2347 ‧ The financial server sends identification data, license tokens and door number data to the verification server for verification. Step 240 Results to service server step 250‧‧‧ The service server indicates the account on the verification result Recognize when information is verified, the corresponding application work carried out in accordance with the job data

Figure 1 is the structure diagram of confirming the user's identity through financial account data mentioned in the creation.
Figure 2A is a flow chart of confirming the identity of a user through financial account information mentioned in the creation.
FIG. 2B is a flow chart of confirming the identity of an applicant using a financial card according to the creative embodiment.
FIG. 2C is a flowchart of confirming the identity of the applicant using the one-time SMS password provided in the creative embodiment.
FIG. 2D is a flowchart of confirming the identity of the applicant using a mobile device according to the creative embodiment.

Claims (10)

A system for confirming a user's identity through financial account information. The system includes at least:
A service server;
A client for generating an application data and transmitting the application data to the service server, wherein the application data includes an account confirmation data and an operation data; and a financial server for use by the service The server receives the account confirmation data and is used to verify the account confirmation data, and generates a verification result, and sends the verification result to the service server, so that the service server indicates that the account confirmation data passes the verification Corresponding application operations will be performed according to the operation data. The system for confirming the identity of a user by using financial account information as described in item 1 of the scope of the patent application, wherein the client is to provide input of an applicant's information, connect to a financial card and receive one of the account information provided by the financial card and one The bet code message is used to generate the account confirmation data including the applicant's information, the account information, and the bet code message; the financial server checks the bet code message based on the account data, and the financial server relies on the The financial account number reads a holder's information and compares the holder's information with the applicant's information to verify the account confirmation information. The system for confirming the identity of a user through financial account information as described in item 1 of the scope of the patent application, wherein the client obtains an account information, an identification information, and a permission token, and generates the account information, the identification Data, and the account verification data of the permitted token; the financial server confirms whether the account data and the identification data correspond, and reads a door number data according to the account data or the identification data, and transmits the identification data, the License the token and the door number information to a telecommunication server, thereby verifying the account confirmation information through the telecommunication server. The system for confirming a user's identity through financial account information as described in item 3 of the scope of the patent application, wherein the client is used to connect to the telecommunication server to obtain the licensed token. As described in item 1 of the scope of patent application, the system for confirming the identity of a user through financial account data, wherein the client obtains an account data and an identification data, and generates the account verification including the account data and the identification data Data; the financial server confirms whether the account data and the identification data correspond, and reads a door number data based on the account data or the identification data, sends a verification data to the client according to the door number data, and receives the client The client sends one response data, and compares the verification data and the response data to verify the account confirmation data. The system for confirming a user's identity through financial account information as described in item 5 of the scope of patent application, wherein the verification information is a one-time password. The system for confirming a user's identity through financial account information as described in item 5 of the scope of patent application, wherein the financial server reads an identity card number based on the account information and compares the identification information with the identity card number The same to confirm whether the account information and identification information correspond. The system for confirming the identity of a user by using financial account information as described in item 1 of the scope of the patent application, wherein the financial server is used to generate the verification result indicating that the application data has not passed verification when the account confirmation data has failed ; And used to generate the verification result indicating that the application data passed verification when the account confirmation data passed verification. As described in item 1 of the scope of patent application, the system for confirming the identity of a user through financial account information, wherein the service server is further used when the verification result indicates that the account confirmation data has not been verified, an error message is generated, and The error message is returned to the client, and the client is further used to display the error message. The system for confirming a user's identity through financial account information as described in item 1 of the scope of patent application, wherein the service server is further used to select a connection method with the financial server 130 according to the account confirmation data.