TWM642574U - Digital identity verification system for enterprise customer - Google Patents

Abstract

A digital identity verification system for corporate clients, adapted to communicate with a client electronic device and a database server operated by a client representing a corporation, and comprising a front-end server, an online banking server, and a verification server. The front-end server receives a corporate code to be verified from the client electronic device, and after the front-end server judges that the corporate code to be verified complies with the format specifications of the code, the verification server sends a business registration data query Request to the database server, so that the database server returns a business registration data query result, and the verification server judges whether to instruct the enterprise to be verified according to the business registration data query result returned by the database server The unified compilation is not consistent with the unified compilation of the enterprise in the industrial and commercial registration materials.

Description

Digital Identity Verification System for Enterprise Customers

The present invention relates to an identity verification system, in particular to an identity verification system used for digital application by enterprise customers.

Bankers provide business-specific loan services to corporate customers. Traditional corporate loans often face problems such as complicated application documents, difficult file transfers, and lengthy loan application time. Therefore, banks now provide corporate customers with online loan applications. Compared with processing at the counter, online operations require more inspection mechanisms to ensure the reliability of application materials. Therefore, how to develop a new corporate customer digital identity verification system that can automatically verify the corporate customer's identity online to ensure the reliability of application materials is a subject to be further explored in this model.

Therefore, the purpose of the present invention is to provide a digital identity verification system for enterprise customers that can digitize the entire process and be used for identity verification.

Therefore, the new enterprise customer digital identity verification system is suitable for communicating with a client electronic device operated by a customer representing an enterprise and a database server. The database server stores a plurality of industrial and commercial registration data, each The industrial and commercial registration data includes an enterprise compilation, and the enterprise customer digital identity verification system includes a front-end server, an online banking server, and a verification server.

The online banking server is electrically connected to the foreground server via a communication network.

The verification server is electrically connected to the online banking server via a communication network.

The foreground server receives a corporate compilation to be verified from the client electronic device, and determines whether the corporate compilation to be verified conforms to a plurality of compilation format specifications.

After the front-end server judges that the enterprise compilation to be verified complies with the format specifications of the compilation, the verification server sends an industrial and commercial registration data query request including the enterprise compilation to be verified to the database server, making the data The database server returns a business registration data query result, and the verification server judges whether the business registration data query result indicates that the enterprise code to be verified does not match the business registration data.

In some implementations, each industrial and commercial registration data stored in the database server also includes a name of a person in charge of the enterprise, and the front-end server also receives a name of the person in charge of the enterprise to be verified from the client electronic device. When the verification server judges that the business registration data query result does not indicate that the enterprise compilation to be verified does not match the business registration data, the verification server judges that the business registration data query result is the person in charge of the enterprise Whether the name matches the name of the person in charge of the enterprise to be verified.

In some implementations, each industrial and commercial registration data stored in the database server also includes a business continuity status. When the verification server judges that the business registration data query result does not indicate that the corporate compilation of the enterprise to be verified does not match the business registration data, the verification server also judges that the business registration data query result continues to exist Whether the status matches a predetermined business existence status.

In some implementations, the online banking server stores a plurality of customer information of the bank, and the front-end server also receives personal information corresponding to the customer to be verified from the client electronic device. The online banking server generates a one-time password and sends the one-time password according to a communication method of the personal data to be verified. When the front server receives a one-time password to be verified from the client electronic device, the online banking server determines whether the one-time password to be verified matches the one-time password.

In some implementations, before the online banking server generates and sends the one-time password, the online banking server determines whether the personal data to be verified matches one of the customer data of the bank. When the online banking server determines that the personal data to be verified matches one of the customer data of the bank, the online banking server generates and sends the one-time password.

In some implementations, the corporate customer digital identity verification system is also adapted to communicate with an inter-bank financial account information verification server, and the inter-bank financial account information verification server stores multiple inter-bank customer information. When the online banking server determines that the personal information to be verified does not match one of the customer information of the bank, the front server receives an account number of another bank corresponding to the customer from the client electronic device, and the network The bank server sends an inter-bank customer data inquiry request including the account number of the other bank and the personal information to be verified to the inter-bank financial account information verification server, so that the inter-bank financial account information verification server can determine the account number of the other bank and the personal information to be verified. Verify whether the personal information is consistent with one of the inter-bank customer information to generate and return an inter-bank financial account information verification result. When the online banking server judges that the verification result of the interbank financial account information indicates that the other bank account number and the personal information to be verified match one of the interbank customer information, the online banking server generates and sends the one-time password .

The function of the new model is to judge whether the unified compilation of the enterprise to be verified conforms to multiple unified compilation format specifications by the front server, and the verification server judges whether the query result of the industrial and commercial registration data indicates that the unified compilation of the enterprise to be verified is not consistent with The corporate compilation of the industrial and commercial registration data is consistent to verify the reliability of the corporate compilation to be verified. Furthermore, the verification server determines whether the name of the person in charge of the business registration data query result is consistent with the corporate compilation to be verified. Verify that the name of the person in charge of the enterprise matches to verify the reliability of the name of the person in charge of the enterprise to be verified. Furthermore, the verification server also judges whether the company’s surviving status of the business registration data query results matches the predetermined company’s surviving status, To confirm whether the customer's status meets the corresponding loan qualifications, furthermore, the one-time password is generated by the online banking server and sent according to the communication method of the personal data to be verified, and the network The bank server judges whether the one-time password to be verified received from the client electronic device matches the one-time password to verify the reliability of the communication method of the personal data to be verified. In addition, through the online banking server The server sends the cross-bank customer data query request to the cross-bank financial account information verification server to verify the reliability of the other bank account number and the personal data to be verified. Therefore, the new model can automatically verify the corporate customer online identity to ensure the reliability of the application data.

Before the present invention is described in detail, it should be noted that in the following description, similar elements are denoted by the same numerals.

Referring to Fig. 1, one embodiment of the digital identity verification system 100 of the new enterprise customer is suitable for communicating with a client electronic device 1 operated by a customer representing an enterprise, a database server 2, and an inter-bank financial account Information verification server 3 communication. The corporate customer digital identity verification system 100 includes a front server 4 , an online banking server 5 , and a verification server 6 .

The client electronic device 1 can be, for example, a smart phone, a tablet computer, a notebook computer or a desktop computer, but not limited thereto. For the convenience of referring to the drawings, the client electronic device 1 is used to describe the components below.

The database server 2 stores multiple business registration data. In this embodiment, each industrial and commercial registration information includes a corporate compilation, a name of the person in charge of the company, and a status of the company, but it is not limited thereto. The database server 2 is, for example, a national commercial and industrial administrative service server belonging to the Department of Commerce of the Ministry of Economic Affairs.

The inter-bank financial account information verification server 3 stores multiple inter-bank customer information. In this embodiment, each inter-bank customer information includes an account number of another bank, an inter-bank customer ID number, an inter-bank customer's date of birth, and an inter-bank customer mobile phone number, but it is not limited thereto.

The foreground server 4 is electrically connected to the client electronic device 1 via a communication network. The communication network can be, for example, the Internet, but is not limited thereto. The foreground server 4 is, for example, a web server.

The online banking server 5 is electrically connected to the front server 4 via a communication network, and stores a plurality of customer information of the bank. In this embodiment, each customer information of the bank includes the ID number of the customer of the bank, the date of birth of the customer of the bank and the mobile phone number of the customer of the bank, but it is not limited thereto.

The verification server 6 is electrically connected to the online banking server 5 via a communication network.

The following describes the steps performed by the new enterprise customer digital identity verification system 100 .

Referring to Fig. 1, Fig. 2A and Fig. 2B, at first, as shown in step S01, this foreground server 4 receives from this client electronic device 1 a corporate compilation to be verified, the name of the person in charge of a company to be verified, and a company to be verified personal information. In this embodiment, the personal data to be verified includes an ID card number to be verified, a date of birth to be verified and a mobile phone number to be verified, but it is not limited thereto.

Next, as shown in step S02, the front-end server 4 judges whether the unified compilation of the enterprise to be verified conforms to a plurality of unified compilation format specifications. In the present embodiment, these unified format specifications are for example that all characters of the enterprise to be verified must be numbers, the enterprise to be verified is a total of 8 codes, and all fonts of the enterprise to be verified are half-shaped, but This is not the limit. If the result of the judgment of the front server 4 is yes, then proceed to step S03; The verification result of an enterprise's unified format conforming to the unified format specification is sent to the online bank server 5, and then step S09 is performed.

In step S03 following step S02, when the front-end server 4 judges that the unified code of the enterprise to be verified complies with the format specifications of the unified code, the verification server 6 sends a business registration data containing the unified code of the enterprise to be verified Query requests are sent to the database server 2.

Next, as shown in step S04, the database server 2 judges whether the enterprise code to be verified is consistent with the enterprise code of one of the pre-stored business registration data, and returns a business registration data query result to The authentication server6. In this embodiment, when the database server 2 judges that the enterprise code to be verified matches the enterprise code of one of the pre-stored industrial and commercial registration data, the industrial and commercial registration code generated by the database server 2 The result of the data query includes the enterprise compilation, the name of the person in charge of the enterprise, and the existence status of the enterprise. On the contrary, when the database server 2 judges that the enterprise compilation to be verified does not match any of the pre-stored industrial and commercial registration data The enterprise code of the first party is consistent, and the query result of the industrial and commercial registration data generated by the database server 2 indicates that the enterprise code to be verified is not consistent with the enterprise code of the industrial and commercial registration data, but this does not mean that limit.

Next, as shown in step S05, the verification server 6 judges whether the business registration data query result indicates whether the business registration data query result indicates that the enterprise compilation to be verified does not match the business registration data. If the verification server 6 judges yes, proceed to step S08 , on the other hand, if the verification server 6 judges no, proceed to step S06 .

In step S06 following step S05, the verification server 6 judges whether the name of the person in charge of the enterprise in the query result of the industrial and commercial registration data matches the name of the person in charge of the enterprise to be verified.

Next, as shown in step S07 , the verification server 6 judges whether the enterprise existence status of the business registration information query result matches a predetermined enterprise existence state. In this embodiment, the predetermined enterprise existence state indicates approval and establishment, but it is not limited thereto.

Next, as shown in step S08 , the verification server 6 sends an enterprise verification result to the online banking server 5 . The enterprise verification result indicates the judgment results of steps S05, S06, and S07.

Next, as shown in step S09, the online banking server 5 judges whether the personal data to be verified is consistent with one of the customer data of the bank. If the result of the determination by the online banking server 5 is yes, then proceed to step S10 , on the other hand, if the result of the determination by the online banking server 5 is negative, then proceed to step S11 .

In step S10, the online banking server 5 generates a one-time password and sends the one-time password to a corresponding mobile communication device according to the mobile phone number of the personal data to be verified.

In step S11, when the online banking server 5 judges that the personal data to be verified does not match one of the customer data of the bank, the front server 4 receives from the client electronic device 1 the corresponding customer information An account number of another bank, and the online banking server 5 sends an inter-bank customer data query request including the account number corresponding to the customer and the personal data to be verified to the inter-bank financial account information verification server 3 .

In step S12 following step S11, the inter-bank financial account information verification server 3 judges whether the other bank account number and the personal data to be verified are consistent with one of the inter-bank customer data, and generates and returns an inter-bank financial account information verification server 3. The verification result of the account information is sent to the online banking server 5 .

In step S13 following step S12, the online banking server 5 determines whether the verification result of the inter-bank financial account information indicates that the other bank account number and the personal data to be verified match one of the inter-bank customer data. If the result of the determination by the online banking server 5 is yes, then proceed to step S10 , on the other hand, if the result of the determination by the online banking server 5 is negative, then proceed to step S16 .

In step S14 following step S10 , the client electronic device 1 sends a one-time password to be verified to the foreground server 4 .

Next, as shown in step S15, the online banking server 5 judges whether the one-time password to be verified matches the one-time password.

Next, as shown in step S16, the online banking server 5 generates a personal data verification result indicating the judgment result of step S15.

To sum up, the new digital identity verification system 100 for corporate clients uses the front server 4 to determine whether the unified compilation of the enterprise to be verified conforms to multiple unified compilation format specifications, and the verification server 6 to determine the query result of the industrial and commercial registration data. Whether to indicate that the enterprise compilation to be verified does not match the enterprise compilation of the industrial and commercial registration data, so as to verify the reliability of the enterprise compilation to be verified; moreover, use the verification server 4 to judge the industrial and commercial registration data query Whether the name of the person in charge of the result is consistent with the name of the person in charge of the enterprise to be verified, to verify the reliability of the name of the person in charge of the enterprise to be verified, moreover, by the verification server 4 also judge the result of the business registration data query Whether the business existence status conforms to the predetermined business existence status is to confirm whether the customer’s status meets the corresponding loan qualifications. Moreover, the one-time password is generated by the online banking server 5 and based on the personal data to be verified. The communication method sends the one-time password, and the online banking server 5 judges whether the one-time password to be verified received from the client electronic device matches the one-time password to verify the communication of the personal data to be verified In addition, the inter-bank customer information inquiry request is sent to the inter-bank financial account information verification server 3 through the Internet banking server 5 to verify the other bank account number and the personal data to be verified of other bank customers Therefore, this model can automatically verify the identity of corporate customers online to ensure the reliability of application materials, and can indeed achieve the purpose of this model.

But the above-mentioned ones are only embodiments of the present invention, and should not limit the scope of implementation of the present invention with this. All simple equivalent changes and modifications made according to the patent scope of the present application and the content of the patent specification are still within the scope of the present invention. Within the scope covered by this patent.

100: Digital Identity Verification System for Enterprise Customers 1: Client electronic device 2: Database server 3: Cross-bank financial account information verification server 4: Foreground server 5: Internet Banking Server 6: Verify the server S01~S16: Steps

Other features and functions of the present invention will be clearly presented in the implementation manner with reference to the drawings, wherein: Fig. 1 is a schematic diagram of a hardware connection relationship of an embodiment of the new enterprise customer digital identity verification system; and 2A and 2B are a flowchart of this embodiment.

100: Digital Identity Verification System for Enterprise Customers

1: Client electronic device

2: Database server

3: Cross-bank financial account information verification server

4: Foreground server

5: Internet Banking Server

6: Verify the server

Claims (6)

A digital identity verification system for enterprise customers, suitable for communicating with a client electronic device operated by a customer representing an enterprise and a database server, the database server stores a plurality of industrial and commercial registration data, and each industrial and commercial registration The data includes a corporate compilation, and the digital identity verification system for corporate customers includes: a front server; an online banking server electrically connected to the front-end server via a communication network; and An authentication server electrically connected to the online banking server via a communication network; The front-end server receives a corporate code to be verified from the client electronic device; The front-end server judges whether the unified compilation of the enterprise to be verified complies with multiple unified compilation format specifications; After the front-end server judges that the enterprise compilation to be verified complies with the format specifications of the compilation, the verification server sends an industrial and commercial registration data query request including the enterprise compilation to be verified to the database server, making the data The database server returns a business registration data query result, and the verification server judges whether the business registration data query result indicates that the enterprise code to be verified does not match the business registration data. The digital identity verification system for enterprise customers as described in claim 1, wherein each industrial and commercial registration data stored in the database server also includes the name of a person in charge of the enterprise, and the front server also receives a waiting list from the client electronic device. Verify the name of the person in charge of the company; When the verification server judges that the business registration data query result does not indicate that the enterprise compilation to be verified does not match the business registration data, the verification server judges that the business registration data query result is the person in charge of the enterprise Whether the name matches the name of the person in charge of the enterprise to be verified. The digital identity verification system for corporate clients as described in Claim 2, wherein each industrial and commercial registration data stored in the database server also includes an enterprise existence status; When the verification server judges that the business registration data query result does not indicate that the corporate compilation of the enterprise to be verified does not match the business registration data, the verification server also judges that the business registration data query result continues to exist Whether the status matches a predetermined business existence status. The digital identity verification system for corporate customers as described in claim 3, wherein the online banking server stores a plurality of customer information of the bank, and the front server also receives a waiting list corresponding to the customer from the client electronic device. verify personal data; The online banking server generates a one-time password and sends the one-time password according to a communication method of the personal data to be verified; When the front server receives a one-time password to be verified from the client electronic device, the online banking server determines whether the one-time password to be verified matches the one-time password. The digital identity verification system for corporate customers as described in claim 4, wherein, before the online banking server generates and sends the one-time password, the online banking server judges whether the personal data to be verified is related to the bank customers one of the data matches; When the online banking server determines that the personal data to be verified matches one of the customer data of the bank, the online banking server generates and sends the one-time password. The corporate customer digital identity verification system as described in claim 5 is also suitable for communicating with an inter-bank financial account information verification server, and the inter-bank financial account information verification server stores multiple inter-bank customer information; When the online banking server determines that the personal information to be verified does not match one of the customer information of the bank, the front server receives an account number of another bank corresponding to the customer from the client electronic device, and the network The bank server sends an inter-bank customer data inquiry request including the account number of the other bank and the personal information to be verified to the inter-bank financial account information verification server, so that the inter-bank financial account information verification server can determine the account number of the other bank and the personal information to be verified. Verify whether the personal information is consistent with one of the inter-bank customer information to generate and return an inter-bank financial account information verification result; When the online banking server judges that the verification result of the interbank financial account information indicates that the other bank account number and the personal information to be verified match one of the interbank customer information, the online banking server generates and sends the one-time password .

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