TWM592563U - Identity verification system - Google Patents

Abstract

An identity verification system includes a client database at bank end, a banking system and a client device. The client database at bank end is used for storing basic information of clients and their biological characteristic. A banking system is used for accessing the client database at bank end, and processing financial business related to the basic information of clients. A client device has a biometric element, which is used for collecting biological characteristic to be verified. When the client device logs in to the banking system and selects a financial service to be conducted, the client device then sends the collected biological characteristic to the banking system. The banking system then verifies the client device by comparing the biological characteristic to be verified and the biological characteristic in the client database at bank end.

Description

Identity authentication system

This disclosure is about an identity authentication system.

With the development of technology, more and more banks began to use various applications to process customer needs online. There is no doubt about the convenience of using banking applications on mobile devices.

However, with the impact of an aging society, many customers are still accustomed to handling business at the counter, and there is a risk that customers may forget to carry documents such as certificates and seals and cannot apply for business when handling business at the counter.

The new content aims to provide a simplified summary of this disclosure so that readers can have a basic understanding of this disclosure. This new content is not a complete overview of the present disclosure, and it is not intended to point out important/critical elements of the embodiments of the novel or define the scope of the novel.

In order to solve the above problems, an identity authentication system is proposed in this disclosure document, which includes a bank-side customer database, a bank-side system, and a client device. The bank-side customer database is used to store a plurality of basic customer data and a plurality of customer biometrics corresponding to the plurality of basic customer data. The bank-side system is used to access the customer's basic data and customer's bio in the bank's customer database Feature and is used to process a financial business related to the basic information of these customers. The client device is equipped with a biometric component to collect a biometric to be verified. When the client device logs in to the bank system and chooses to conduct financial services, the client device sends the biometric component collected by the biometric component to the bank to be verified端系统。 End system. Among them, the bank-side system verifies the client device based on the biometrics to be verified and the client biometrics in the bank's client database.

Therefore, according to the technical content of the present invention, an embodiment of the present invention provides an identity authentication system that uses biometrics to perform identity authentication and signature, electronically process the customer's counter-handling business, and provide simple and fast services.

After referring to the embodiments below, those with ordinary knowledge in the technical field of the present invention can easily understand the basic spirit and other new purposes of the present invention, as well as the technical means and implementation aspects adopted by the present invention.

100‧‧‧ Identity authentication system

110‧‧‧Bank system

120‧‧‧Client device

130‧‧‧Bank customer database

140‧‧‧Bank teller device

150‧‧‧Bank server

160‧‧‧Biometric components

200‧‧‧ Flow chart of how to use the identity authentication system 100

S210~S270 ‧‧‧ Identity authentication system 100 using steps

In order to make the above and other objects, features, advantages and embodiments of the present invention more obvious and understandable, the drawings are described as follows:

FIG. 1 is a schematic diagram of an identity authentication system according to an embodiment of the present invention.

Figure 2 is a schematic flow chart of the method of using the identity authentication system in Figure 1.

According to the usual working methods, the various characteristic elements and elements in the figure are not drawn to scale. The drawing method is to present the specific features and elements related to the present invention in the best way. In addition, the same or similar element symbols are used to refer to similar elements/components between different drawings.

In order to make the description of the present disclosure more detailed and complete, the following provides an illustrative description of the implementation form and specific embodiments of the present invention; however, this is not the only form of implementing or using the specific embodiments of the present invention. The embodiments cover the features of multiple specific embodiments and the method steps and sequence for constructing and operating these specific embodiments. However, other specific embodiments can also be used to achieve the same or equal functions and sequence of steps.

Unless otherwise defined in this specification, the meanings of scientific and technical terms used herein have the same meanings as those understood and used by those with ordinary knowledge in the technical field to which this new type belongs. In addition, without conflicting with the context, the singular noun used in this specification covers the plural form of the noun; and the plural noun used also covers the singular form of the noun.

The terms "contains", "includes", "has", "contains", etc. used in this article are all open terms, which means including but not limited to.

In addition, as used herein, "connected" may refer to two or more elements making direct physical or communication contact with each other, or indirectly making physical or communication contact with each other, or may refer to the mutual operation or action of two or more elements.

This disclosure document provides an identity authentication system that can be used to provide customers with an easy and fast way to handle temporary financial services.

For example, the OTC financial services that customers can handle through the identity authentication system include online banking, agreed account transfer, renewal of financial cards, and account cancellation.

FIG. 1 is a schematic diagram of an identity authentication system 100 according to an embodiment of the present invention. As shown in the figure, the client device 120 is connected to the bank system 110, wherein the client device 120 is equipped with a biometric component 160. Please also refer to FIG. 2, which shows a schematic flowchart of the method 200 for using the identity authentication system 100 in FIG. 1 of the present disclosure.

First, when a customer opens a bank account through the biometric component 160 on the client device 120, the personal biometric feature is left in the bank's client database 130 (step S210), and when applying for other financial services in the future, by The biometric component 160 collects the biometrics of the client to be verified, and compares the corresponding biometrics stored in the bank client database 130 on the bank server 150 (step S220), and logs in the bank system 110 after verification (Step S230). After the customer selects a financial transaction to be processed on the bank system 110 (step S240), the bank system 110 is connected to the bank client database 130 in the bank server 150, and the bank system 110 accesses the required customer data And automatically substituted into the required application form (step S250).

The bank terminal system 110 is connected to the bank teller device 140, and after the undertaker enters the remaining required data (step S260), the screen is returned to the client device 120 via the remote connection (step S270). After the customer confirms that it is correct, the customer checks the seal in a biometric manner (step S280).

For example, when a customer handles a financial business, in the case of counter handling, the client device 120 is a mobile device or a tablet provided by the bank to the customer.

In another example, the client device 120 may also be a client user's own mobile device or a tablet computer.

In some embodiments, the customer biometrics stored in the customer database include their facial contours, voice prints, and fingerprints.

In some embodiments, the biometric features to be verified collected by the biometric identification element simultaneously include at least two biometric features among fingerprint, voice, face, and iris, and when at least two biometric features among the biometric features to be verified conform to the When the customer's biometrics in the bank-side customer database 130 are met, the bank-side system will determine that the verification has passed. For example, when the bank-side system verifies the client device, the customer enters the fingerprint and voiceprint to be verified through the biometric component 160 on the client device 120, and the fingerprint and voiceprint must both The fingerprint of the client in the client database 130 matches the voiceprint, and the bank system determines that the identity verification is passed.

In some embodiments, the biometric device includes a fingerprint reader on a mobile device, a camera lens with a face recognition function, or a voiceprint analysis device in an audio device.

In some embodiments, the bank system 110 is an application program running on a mobile device.

In some embodiments, the bank teller device 140 is a device used by a bank undertaker to complete a customer's application for financial services, including a bank teller personal computer or a tablet computer.

In some embodiments, when the bank-side system 110 accesses the customer's basic data in the customer database 130 in the bank server 150, it can automatically fill in some of the customer's basic data in the financial business form handled by the customer Corresponding field of. For example, after the customer logs into the bank system 110 from the client device through the biometric method, the bank system accesses the customer to the customer Corresponding basic data in the database is automatically filled in the customer's name and date of birth in an application form for the financial business applied for, so as to save the number of additional manual input required by the teller And save the time customers need to wait for the counter operation.

In some embodiments, in addition to biometric authentication, the customer can also use one of the touch screens of the client device 120 to generate an electron on the touch screen of the client device when processing financial transactions at the counter The signature body has undeniable legal effect.

In some embodiments, the customer can also set a digital signature and a biometric in the customer database 130 when opening an account. The customer accesses the electronic signature stored in the customer database 130 in a biometric manner, and the electronic signature is automatically brought into the signature field of the corresponding form of the financial form applied for by the bank terminal system 110 for approval .

In some embodiments, when the customer verifies the seal by biometrics, the video record is returned to the bank server 150 by enabling one of the video recording functions of the client device 120, so that the bank can check the screen record in the future Customer identity.

For example, with the identity authentication system proposed in this disclosure document, customers can also avoid the situation where the account is unlawfully withdrawn by others due to the theft of seals and certificates.

In summary, this new type of identity authentication system can improve the efficiency of the bank’s handling of customers’ over-the-counter business by simplifying the process of identity verification and the operation of the system to automatically bring in customer basic data.

Although the new model has been disclosed as above, it is not It is used to limit the new model. Anyone who is familiar with this skill can make various modifications and retouching without departing from the spirit and scope of the new model. quasi.

100‧‧‧ Identity authentication system

110‧‧‧Bank system

120‧‧‧Client device

130‧‧‧Bank customer database

140‧‧‧Bank teller device

150‧‧‧Bank server

160‧‧‧Biometric components

Claims (10)

An identity authentication system includes: A bank-side customer database, used to store a plurality of basic customer data and a plurality of customer biometrics corresponding to the plurality of basic customer data; A bank-side system for accessing the customer basic data and the customer biometrics in the bank-side customer database, and for processing a financial business related to the customer basic data; and A client device, the client device is equipped with a biometric component, the biometric component is used to collect a biometric to be verified, when the client device logs into the bank system and chooses to conduct the financial business, the client device Send the biometric feature to be verified collected by the biometric identification element to the bank system, The bank-side system verifies the client device based on the biometrics to be verified and the client biometrics. The identity authentication system as described in claim 1 further includes: A bank teller operating device for processing one of the financial services; and A bank server is used to store the bank's customer database. The identity authentication system as described in claim 1, wherein the financial business includes online banking, agreed account transfer, renewal of financial card, or account cancellation. The identity authentication system according to claim 1, wherein the The client device includes a tablet computer, a smart phone, a personal computer, a smart camera, or a point-of-sale (POS) device. The identity authentication system according to claim 1, wherein the bank system includes an application program issued by a bank terminal, the application program is installed on the client device and executed by the client device. The identity authentication system according to claim 1, wherein the plurality of customer biometrics include fingerprints, voices, faces or irises of the customers. The identity authentication system as described in claim 1, wherein the bank-side system has access to the customer basic data and the customer biometrics in the bank-side customer database, and automatically sets the plural customer basics The function of the data to the corresponding field in the financial business form handled by the customers. The identity authentication system as described in claim 1, wherein the plurality of customer biometrics stored in the bank-side customer database are used to approve the financial business handled by the customers. The identity authentication system as described in claim 1, wherein the plurality of basic customer information includes: One of these customers account number, name, household registration address and date of birth. The identity authentication system according to claim 1, wherein the biometric feature to be verified collected by the biometric identification element includes at least two biometric components among fingerprint, voice, face and iris, and the bank-side system verifies the client device When the at least two biometric components in the biometrics to be verified match the client biometrics in the bank's client database, the bank system determines that the verification has passed.

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