CN101894423A - Bank client transaction system - Google Patents
Bank client transaction system Download PDFInfo
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- CN101894423A CN101894423A CN2009100434349A CN200910043434A CN101894423A CN 101894423 A CN101894423 A CN 101894423A CN 2009100434349 A CN2009100434349 A CN 2009100434349A CN 200910043434 A CN200910043434 A CN 200910043434A CN 101894423 A CN101894423 A CN 101894423A
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Abstract
The invention relates to a bank client transaction system and a method for making a transaction by using the client transaction system. The bank client transaction system comprises counter equipment or a self-service bank machine client program, a network system, a background processing system and a database, wherein a bank background database stores client fingerprint information, and the fingerprint information of each client uniquely corresponds to a back card number; the bank counter equipment or a self-service bank machine fingerprint recognizer reads the client fingerprint information; the client fingerprint information is processed by the client program and transmitted to a background through a network system; and the background processing system compares the fingerprint information with the client fingerprint information stored in the database by unpacking and deciphering, searches for a corresponding bank card number and relevant card information if the fingerprint information is accordant with the client fingerprint information and further verifies a password to finish a relevant transaction. The thought of the conventional card transaction safety is changed skillfully, and the fingerprint information is related to the card number, so that the conventional physical card is eliminated, and the bank card use safety of a client is greatly enhanced without making any change on the conventional client card.
Description
Technical field
The present invention relates to a kind of client transaction system of bank, utilize the client of this bank of system can finish authentication and the operation of concluding the business.The invention still further relates to and utilize this client transaction system to carry out transaction method.
Background technology
At present, in the client transaction system that banking system is used, except traditional conclude the business with bankbook, the most widely used is that magnetic stripe card is gone up transaction in various self-service bank machine (mainly comprising: ATM (automatic teller machine), automatic cash dispenser, the all-in-one of depositing and withdrawing, self-aided terminal, POS, the phone etc. of transferring accounts).Be the client with the various magnetic stripe cards of issued by banks at bank counter and the enterprising line operate of self-service bank machine, withdraw the money, deposit, transfer accounts, inquire about, report the loss etc. various transaction to finish.Client's card number, relevant information such as the card term of validity etc. have been write down in the magnetic stripe card, during client trading, by swiping the card and inputing password, client transaction system is uploaded information encryptions such as card number, password, packing, and in background data base, carry out card number, password comparison, if conform to, then carry out relationship trading, otherwise, then refuse.Yet because magnetic stripe card information easily is replicated, it is increasing to use risk, and bring about great losses to client and bank etc. every year.In addition, magnetic stripe card carry trouble, often be carried at body easily stolenly rob, fragile, magnetic strip information is easily lost etc., often brings very big inconvenience to the holder.
In order to solve problems such as magnetic stripe card easily is replicated, abroad begun to replace magnetic stripe card with the IC chip card, but changing card in China not only bothers, bank's workload is very big, the client is influenced greatly, and only change the card expense and may just reach tens billion of units, accept the channel scrap build, its expense down hundred billion in addition.
On the other hand, existing fingerprint identification technology is quite ripe, and therefore, the someone expects that the finger print information with the client replaces the password (domestic part bank adopted this technology) of various bank cards, with the reinforcement confidentiality.Publication number is that the Chinese invention patent application of CN1122930 discloses " cipher credit card system by using finger print ", and this technology substitutes password with fingerprint, must the band card during transaction.Another Chinese patent publication number is that the application for a patent for invention of CN1403996 discloses " identification of fingerprint is applied to the method for the personal identification of fiscard and credit card ".This method is that individual fingerprint is deposited in the magnetic stripe or IC-card wafer of fiscard and credit card, and go up the former individual fingerprint data that stays via the identification of fingerprint of fiscard fingerprint cash machine and credit card fingerprint card reader and contrast card, with the people that confirms to use at present card card original application people's mechanism whether, to guarantee personal finance safety and to avoid bank and the individual suffers because of the stolen loss of card.This technology also must be changed whole cards except that scrap build, and expense is high.
Summary of the invention
The object of the invention is to provide a kind of bank client transaction system of safe ready.
Bank client transaction system provided by the invention, comprise counter equipment or self-service bank machine client-side program, network system, background processing system, database are preserved client's finger print information, the unique corresponding bank's card number of each client's finger print information in bank's background data base; Bank counter equipment or self-service bank machine Fingerprint Identification Unit read client's finger print information, after client-side program is handled, send to the backstage by network system, background processing system by unpack, decryption processing, client's finger print information of storing in this finger print information and the database is compared, after the unanimity, find out corresponding bank card number and associated card information, behind further password check, finish relationship trading.
Further improving is to have the card number of two groups or more storage finger print information corresponding to same client in the banking data base, still, and the different instruction in the corresponding trade management module of different finger print informations.
Here different instruction in the corresponding trade management module of said different finger print information can be additional warning message.For example, when the transaction of being carried out was to carry out under the condition of coercing, the client can conclude the business with a fingerprint of making an appointment, and the transaction that pairing this fingerprint carries out in the trade management module is just by additional warning message.When the client opens an account with the bank or after opening an account, can set a finger print information again setting up on the normal fingerprint transaction association base, this finger print information also can be concluded the business, but additional warning function.
Further changing is also to have the password finger print information in banking data base.
That is to say, on the basis that the card number finger print information is checked, can also add the password finger print information, substitute traditional numerical ciphers, further improve security.
Based on above-mentioned bank client transaction system, the present invention also provides a kind of bank client trading method, it is characterized in that comprising the steps:
1) sets up the related of client's finger print information and card number: the magnetic stripe information such as reading card number of swiping the card, read holder's fingerprint by fingerprint scanner, through fingerprint identification software characteristics of image sign indicating number that takes the fingerprint from the fingerprint image of intercepting, the generation finger print information is handled and encrypted to the fingerprint image characteristics sign indicating number, information package such as holder's card number, fingerprint are sent the backstage by network, holder's card number and finger print information are bound and be stored in the database on the backstage;
2) finger print information reads flow process: the client reads client's fingerprint by fingerprint scanner on sales counter or self-service bank machine, through fingerprint identification software characteristics of image sign indicating number that takes the fingerprint from the fingerprint image of intercepting, the generation finger print information is handled and encrypted to the fingerprint image characteristics sign indicating number, be sent to the backstage by network, use for the background process program.
3) being stored in database of fingerprint information the client's finger print information and 1 that reads authentication process itself: with 2)) compares;
4) processing procedure: according to the call by result corresponding instruction of comparison.
Said process can be with reference to figure 1,2.
Wherein, the difference of corresponding bank client transaction system, above-mentioned 1) in the said associated steps of setting up client's finger print information and card number, the client leaves and takes two or more finger print information, all finger print informations of this client all can with the related binding of same or different card numbers.
In two or more finger print informations, what can have that a finger print information represents is abnormal exchanges.And other finger print information bindings is different card numbers.
The present invention has changed the thinking of traditional card transaction security dexterously, adopt finger print information related with card number, thereby omitted traditional physics card, so, do not need traditional client's card is made any change, but improve the client greatly and used the security of bank card, also more traditional bank card business dealing mode is easier, client even need not to carry bank card, only can conclude the business with the finger print information of oneself, and, can realize the emergency call function simultaneously by the different different cards of finger print information management.
Description of drawings
Fig. 1 is the information typing flow process of the embodiment of the invention;
Fig. 2 is that the information of the embodiment of the invention reads flow process.
Embodiment
As shown in Figure 1, when adopting bank client transaction system provided by the invention, only need the client the new magnetic stripe card of application open an account professional in or hold the former magnetic stripe of having sent out and snap into financial institution's sales counter, the brush magnetic stripe card reads magnetic stripe information such as card number earlier, read holder's fingerprint by fingerprint scanner then, through fingerprint identification software characteristics of image sign indicating number that takes the fingerprint from the fingerprint image of intercepting, and encrypt and generate finger print information; Information package such as holder's card number, fingerprint are sent the backstage by network, holder's card number and finger print information are bound and be stored in the database on the backstage.
When the client uses native system, as shown in Figure 2, read holder's finger print information by fingerprint scanner, through fingerprint identification software characteristics of image sign indicating number that takes the fingerprint from the fingerprint image of intercepting, and encrypt and generate finger print information.Described here " the characteristics of image sign indicating number takes the fingerprint from the fingerprint image of intercepting; and encrypt the generation finger print information " and these a series of operations, with the operations such as " the characteristics of image sign indicating numbers that takes the fingerprint from the fingerprint image of intercepting, and encrypt generate finger print information " in the typing of above-mentioned client's finger print information be identical.On the other hand, the client reads the treated generation password of another fingerprint image of holder finger print information by code keypad input password or by fingerprint scanner.The two-way information package is sent to the bank backstage, and finger print information and password (also can be the password finger print information) are checked with the background data base canned data.If any one tunnel information is not inconsistent, then return corresponding error message, if all meet then find card information that should finger print information, the line correlation of going forward side by side is handled, thus complete operation.
Claims (6)
1. bank client transaction system, it comprises Fingerprint Identification Unit and bank transaction management system, mainly comprise the counter equipment or self-service bank machine and the client-side program that have Fingerprint Identification Unit, network system, background processing system, database, it is characterized in that preserving in the background data base client's finger print information, the unique corresponding bank's card number of each finger print information; From the finger print information that client sends over, compare by client's finger print information of storing in background program and the database, after the unanimity, find out corresponding bank card number and associated card information.
2. bank client transaction system according to claim 1, it is characterized in that storing in the background data base two groups or more finger print information, different finger print informations can be corresponding to same client's same card number, but, read different instruction in the corresponding trade management module of different finger print informations that information mates with client.
3. bank client transaction system according to claim 1 and 2 is characterized in that also having numeral or finger print information encrypted message in background data base.
4. the bank client trading method based on the described bank client transaction system of claim 1 is characterized in that comprising the steps:
1) sets up the related of client's finger print information and card number: the magnetic stripe information such as reading card number of swiping the card, read holder's fingerprint by fingerprint scanner, through fingerprint identification software characteristics of image sign indicating number that takes the fingerprint from the fingerprint image of intercepting, the generation finger print information is handled and encrypted to the fingerprint image characteristics sign indicating number, with information such as holder's card number and finger print information binding and be stored in the background data base;
2) information reads flow process: the client reads client's finger print information by fingerprint scanner on sales counter or self-service bank machine, through fingerprint identification software characteristics of image sign indicating number that takes the fingerprint from the fingerprint image of intercepting, the generation finger print information is handled and encrypted to the fingerprint image characteristics sign indicating number, this finger print information that is obtained is sent to the backstage, calls comparison for background program;
3) authentication process itself: during transaction, background program passes client the client's finger print information come and the finger print information that database is preserved compares, and after the unanimity, finds out corresponding bank card number and associated card information, carries out clip pin simultaneously and compares;
4) processing procedure: the result according to comparison sends corresponding instruction.
5. bank client trading method according to claim 4 is characterized in that the client leaves and takes two or more finger print information in the associated steps of the said client's of foundation finger print information and card number, all related with the same card number binding of this finger print information.
6. bank client trading method according to claim 5 is characterized in that in two or more finger print informations what a finger print information association was arranged is abnormal exchanges.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2009100434349A CN101894423A (en) | 2009-05-18 | 2009-05-18 | Bank client transaction system |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2009100434349A CN101894423A (en) | 2009-05-18 | 2009-05-18 | Bank client transaction system |
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| CN101894423A true CN101894423A (en) | 2010-11-24 |
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| Application Number | Title | Priority Date | Filing Date |
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| CN2009100434349A Pending CN101894423A (en) | 2009-05-18 | 2009-05-18 | Bank client transaction system |
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Cited By (14)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102799982A (en) * | 2012-06-29 | 2012-11-28 | 深圳市亚略特生物识别科技有限公司 | Electronic transaction system |
| CN102915594A (en) * | 2011-08-04 | 2013-02-06 | 深圳市凯智汇科技有限公司 | Bank card security system based on human body biological information code and operation method thereof |
| CN103368745A (en) * | 2013-07-19 | 2013-10-23 | 江南大学 | User identity strong authentication method for educational information resource guarantee |
| CN104935550A (en) * | 2014-03-17 | 2015-09-23 | 杨济忠 | Intelligent electronic commerce user management system technique and operating method thereof |
| CN105868972A (en) * | 2016-03-29 | 2016-08-17 | 上海斐讯数据通信技术有限公司 | Payment system and method for reporting lost |
| CN106022927A (en) * | 2016-05-25 | 2016-10-12 | 杨雷 | Social security pension issuing data batch converting method |
| CN106156580A (en) * | 2015-04-27 | 2016-11-23 | 上海海鹰机械厂 | Profile borrowing and reading management system based on fingerprint signature |
| WO2017128117A1 (en) * | 2016-01-27 | 2017-08-03 | 邓娟 | Method for linking fingerprint to credit card and credit card verification system |
| WO2017128115A1 (en) * | 2016-01-27 | 2017-08-03 | 邓娟 | Data collecting method for credit card and fingerprint linking technique and credit card verification system |
| WO2017128116A1 (en) * | 2016-01-27 | 2017-08-03 | 邓娟 | Information pushing method for fingerprint and credit card matching technique and credit card verification system |
| CN107038580A (en) * | 2016-11-16 | 2017-08-11 | 辽宁科技大学 | A kind of bank transaction system |
| CN109300027A (en) * | 2017-07-24 | 2019-02-01 | 北京银融科技有限责任公司 | Bank access system and method |
| CN111640265A (en) * | 2016-01-08 | 2020-09-08 | 中国建设银行股份有限公司 | Method, system and equipment for positioning card retaining and account error of self-service equipment |
| CN112037438A (en) * | 2020-09-15 | 2020-12-04 | 淄博职业学院 | Identity verification method of financial self-service transaction equipment |
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| CN1760904A (en) * | 2005-11-17 | 2006-04-19 | 张晔 | Charging system based on validation of fingerprint |
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| WO2002029741A2 (en) * | 2000-10-03 | 2002-04-11 | Zingher Joseph P | Biometric system and method for detecting duress transactions |
| CN1344099A (en) * | 2001-06-20 | 2002-04-10 | 邬敬民 | Alarm method of electronic money system in bank for resisting violent rubbery |
| CN1689042A (en) * | 2003-01-28 | 2005-10-26 | 富士通株式会社 | Biometrics information registration apparatus, biometrics information matching apparatus, biometrics information registration/matching system, and biometrics information registration program |
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Cited By (15)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102915594A (en) * | 2011-08-04 | 2013-02-06 | 深圳市凯智汇科技有限公司 | Bank card security system based on human body biological information code and operation method thereof |
| CN102799982A (en) * | 2012-06-29 | 2012-11-28 | 深圳市亚略特生物识别科技有限公司 | Electronic transaction system |
| CN103368745A (en) * | 2013-07-19 | 2013-10-23 | 江南大学 | User identity strong authentication method for educational information resource guarantee |
| CN104935550A (en) * | 2014-03-17 | 2015-09-23 | 杨济忠 | Intelligent electronic commerce user management system technique and operating method thereof |
| CN106156580A (en) * | 2015-04-27 | 2016-11-23 | 上海海鹰机械厂 | Profile borrowing and reading management system based on fingerprint signature |
| CN111640265A (en) * | 2016-01-08 | 2020-09-08 | 中国建设银行股份有限公司 | Method, system and equipment for positioning card retaining and account error of self-service equipment |
| CN111640265B (en) * | 2016-01-08 | 2021-09-28 | 中国建设银行股份有限公司 | Method, system and equipment for positioning card retaining and account error of self-service equipment |
| WO2017128117A1 (en) * | 2016-01-27 | 2017-08-03 | 邓娟 | Method for linking fingerprint to credit card and credit card verification system |
| WO2017128115A1 (en) * | 2016-01-27 | 2017-08-03 | 邓娟 | Data collecting method for credit card and fingerprint linking technique and credit card verification system |
| WO2017128116A1 (en) * | 2016-01-27 | 2017-08-03 | 邓娟 | Information pushing method for fingerprint and credit card matching technique and credit card verification system |
| CN105868972A (en) * | 2016-03-29 | 2016-08-17 | 上海斐讯数据通信技术有限公司 | Payment system and method for reporting lost |
| CN106022927A (en) * | 2016-05-25 | 2016-10-12 | 杨雷 | Social security pension issuing data batch converting method |
| CN107038580A (en) * | 2016-11-16 | 2017-08-11 | 辽宁科技大学 | A kind of bank transaction system |
| CN109300027A (en) * | 2017-07-24 | 2019-02-01 | 北京银融科技有限责任公司 | Bank access system and method |
| CN112037438A (en) * | 2020-09-15 | 2020-12-04 | 淄博职业学院 | Identity verification method of financial self-service transaction equipment |
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Application publication date: 20101124 |