CN105847270A - Loan authentication system - Google Patents
Loan authentication system Download PDFInfo
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- CN105847270A CN105847270A CN201610239822.4A CN201610239822A CN105847270A CN 105847270 A CN105847270 A CN 105847270A CN 201610239822 A CN201610239822 A CN 201610239822A CN 105847270 A CN105847270 A CN 105847270A
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- loan
- card information
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L63/00—Network architectures or network communication protocols for network security
- H04L63/08—Network architectures or network communication protocols for network security for authentication of entities
- H04L63/0861—Network architectures or network communication protocols for network security for authentication of entities using biometrical features, e.g. fingerprint, retina-scan
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/03—Credit; Loans; Processing thereof
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- Development Economics (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Economics (AREA)
- Biomedical Technology (AREA)
- General Health & Medical Sciences (AREA)
- Computer Hardware Design (AREA)
- Computer Security & Cryptography (AREA)
- Computing Systems (AREA)
- General Engineering & Computer Science (AREA)
- Computer Networks & Wireless Communication (AREA)
- Signal Processing (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The invention relates to the field of network security technologies, and discloses a load authentication system, which comprises an ID card recognition unit, a biometric feature recognition unit, a bank card reader, a display screen, a load database and a loan processor, wherein the ID card recognition unit, the biometric feature recognition unit, the bank card reader, the display screen and the load database are connected with the loan processor. The load authentication system improves the security of self-service loans through biometric feature authentication.
Description
Technical field
The present invention relates to technical field of network security, particularly to one loan Verification System.
Background technology
Sales counter to be gone when existing loan and refund, cumbersome, waste time and energy.Some pass through terminal
Automatic Loan and the mode of repayment of (such as: mobile phone A PP or Net silver) have only to username and password and pacify
, there are a lot of security breaches (such as: bank card steals brush), user profile can be caused to reveal, time serious in full checking
Property loss can be caused.In a word, existing loan done by oneself Verification System security is low.
Summary of the invention
The present invention proposes a kind of loan Verification System, solves low the asking of loan done by oneself security in prior art
Topic.
The loan Verification System of the present invention, including: identity card recognition unit, living things feature recognition unit, silver
Row card reader, display screen, loan database and loan processor, described identity card recognition unit, biology
Feature identification unit, bank card card reader, display screen and loan database are all connected with described loan processor；
Described identity card recognition unit is used for identifying ID card information, and transmits described ID card information to institute
State loan processor；
Described living things feature recognition unit is used for identifying biological characteristic, and by the transmission of described biological characteristic to described
Loan processor；
Bank card card reader is used for reading bank card information, and by the transmission of described bank card information to described loan
Processor；
Described loan processor is for believing with bank card at the ID card information of checking identity card recognition unit identification
By the transmission of ID card information, biological characteristic and bank card information to borrowing when the ID card information that comprises in breath is consistent
Money database purchase is also bound；Described loan processor be additionally operable to checking ID card information, biological characteristic and
Bank card information successfully post-processes credit information, and sets up ID card information, life in described loan database
The corresponding relation of thing feature, bank card information and credit information；
Described display screen is used for showing described ID card information, biological characteristic, bank card information and loan data.
Wherein, described loan processor includes:
Registering unit, for the ID card information one comprised in the ID card information identified with bank card information
During cause, the ID card information of identification, biological characteristic and bank card information are stored to described loan data stock
Store up and set up the corresponding relation of three；
Authentication unit, for ID card information, biological characteristic and bank card information and the described loan that will identify
The corresponding information of database purchase compares, if identical, certification success；
Loan unit, for after the authentication has been successful, obtains the loan data of user's input, by described loan number
According to being stored in described loan database to update credit information, set up described credit information and ID card information, life
Thing feature and the corresponding relation of bank card information, and current loan operation is sent to banking system；
Refund unit, for after the authentication has been successful, obtains the refund data of user's input, by described also amount of money
According to being stored in described loan database to update credit information, and operation of currently refunding sends to banking system；
Query unit, for after the authentication has been successful, reads described credit information from described loan database, and
Transmission to display screen shows.
Wherein, described authentication unit silver of storage in the bank card information that will identify with described loan database
Row card information does not mates, and the identity card letter of the ID card information that comprises and identification in the bank card information identified
When ceasing consistent, the bank card information currently identified is increased in described loan database, and set up current knowledge
Other bank card information and ID card information, biological characteristic and the corresponding relation of credit information.
Wherein, described living things feature recognition unit includes: fingerprint identification unit, connects described loan processor,
For identifying fingerprint, and by the transmission of described fingerprint to described loan processor.
Wherein, described living things feature recognition unit includes: iris recognition unit, connects described loan processor,
For identifying iris, and by the transmission of described iris to described loan processor.
The loan Verification System of the present invention passes through biological characteristic (including fingerprint and/or iris) certification, improves
The security of loan done by oneself.
Accompanying drawing explanation
In order to be illustrated more clearly that the embodiment of the present invention or technical scheme of the prior art, below will be to enforcement
In example or description of the prior art, the required accompanying drawing used is briefly described, it should be apparent that, describe below
In accompanying drawing be only some embodiments of the present invention, for those of ordinary skill in the art, do not paying
On the premise of going out creative work, it is also possible to obtain other accompanying drawing according to these accompanying drawings.
Fig. 1 is a kind of loan Verification System structural representation of the present invention；
Fig. 2 is the another kind of loan Verification System structural representation of the present invention.
Detailed description of the invention
Below in conjunction with the accompanying drawing in the embodiment of the present invention, the technical scheme in the embodiment of the present invention is carried out clearly
Chu, be fully described by, it is clear that described embodiment be only a part of embodiment of the present invention rather than
Whole embodiments.Based on the embodiment in the present invention, those of ordinary skill in the art are not making creation
The every other embodiment obtained under property work premise, broadly falls into the scope of protection of the invention.
The loan Verification System of the present invention is as it is shown in figure 1, include: identity card recognition unit 2, biological characteristic are known
Other unit 3, bank card card reader 4, display screen 5, loan database 6 and loan processor 1.Identity card
Recognition unit 2, living things feature recognition unit 3, bank card card reader 4, display screen 5 and loan database 6
It is all connected with processor 1 of providing a loan.
Identity card recognition unit 2 is used for identifying ID card information, and ID card information transmission is processed to loan
Device 1.
Living things feature recognition unit 3 is used for identifying biological characteristic, and by biological characteristic transmission to loan processor 1.
Bank card card reader 4 is used for reading bank card information, and by bank card information transmission to loan processor 1.
Loan processor 1 is believed with bank card for the ID card information identified at checking identity card recognition unit 2
By the transmission of ID card information, biological characteristic and bank card information to borrowing when the ID card information that comprises in breath is consistent
Money database 6 stores and binds.Loan processor 1 be additionally operable to checking ID card information, biological characteristic and
Bank card information successfully post-processes credit information (such as: inquiry etc.), and sets up identity in loan database 6
The corresponding relation of card information, biological characteristic, bank card information and credit information.
Display screen 5 is used for showing described ID card information, biological characteristic, bank card information and loan data.
The loan Verification System of the present invention passes through biological characteristic authentication, improves the security of loan done by oneself.
Specifically, loan processor 1 includes:
Registering unit 11, for the ID card information comprised in the ID card information identified with bank card information
Time consistent, the ID card information of identification, biological characteristic and bank card information stored to loan database 6 and deposit
Store up and set up the corresponding relation of three.
Authentication unit 12, for ID card information, biological characteristic and bank card information and the loan number that will identify
Compare according to the corresponding information of library storage 6, if identical, certification success.
Loan unit 13, for after the authentication has been successful, obtains the loan data of user's input, by loan data
It is stored in described loan database 6 to update credit information, sets up described credit information and ID card information, life
Thing feature and the corresponding relation of bank card information, and current loan operation is sent to banking system.
Refund unit 14, for after the authentication has been successful, obtains the refund data of user's input, data of refunding
It is stored in loan database 6 to update credit information, and operation of currently refunding sends to banking system.
Query unit 15, for after the authentication has been successful, reads described credit information from loan database 6, and
Transmission to display screen 5 shows.
In the present embodiment, authentication unit 11 is storage in the bank card information that will identify with loan database 6
Bank card information is not mated, and the identity card of the ID card information that comprises and identification in the bank card information identified
When information is consistent, the bank card information currently identified is increased in loan database 6, and set up current knowledge
Other bank card information and ID card information, biological characteristic and the corresponding relation of credit information.
In the present embodiment, living things feature recognition unit 3 includes: fingerprint identification unit 31, connects loan and processes
Device 1, is used for identifying fingerprint, and by fingerprint transmission to loan processor 1.
In the present embodiment, living things feature recognition unit 3 includes: iris recognition unit 32, connects loan and processes
Device 1, is used for identifying iris, and by iris transmission to described loan processor 1.
As in figure 2 it is shown, in order to improve security further, this system includes fingerprint identification unit 31 He simultaneously
Iris recognition unit 32, owing to finger print identifying is relatively easy, the most first carries out finger print identifying, then carries out iris
Certification, if finger print identifying failure, need not carry out iris verification, as long as and a certification is unsuccessful then again
Authentification failure.
The foregoing is only presently preferred embodiments of the present invention, not in order to limit the present invention, all the present invention's
Within spirit and principle, any modification, equivalent substitution and improvement etc. made, should be included in the present invention's
Within protection domain.
Claims (5)
1. a loan Verification System, it is characterised in that including: identity card recognition unit, biological characteristic are known
Other unit, bank card card reader, display screen, loan database and loan processor, described identity card identification
Unit, living things feature recognition unit, bank card card reader, display screen and loan database are all connected with described loan
Money processor；
Described identity card recognition unit is used for identifying ID card information, and transmits described ID card information to institute
State loan processor；
Described living things feature recognition unit is used for identifying biological characteristic, and by the transmission of described biological characteristic to described
Loan processor；
Bank card card reader is used for reading bank card information, and by the transmission of described bank card information to described loan
Processor；
Described loan processor is for believing with bank card at the ID card information of checking identity card recognition unit identification
By the transmission of ID card information, biological characteristic and bank card information to borrowing when the ID card information that comprises in breath is consistent
Money database purchase is also bound；Described loan processor be additionally operable to checking ID card information, biological characteristic and
Bank card information successfully post-processes credit information, and sets up ID card information, life in described loan database
The corresponding relation of thing feature, bank card information and credit information；
Described display screen is used for showing described ID card information, biological characteristic, bank card information and loan data.
Provide a loan the most as claimed in claim 1 Verification System, it is characterised in that described loan processor includes:
Registering unit, for the ID card information one comprised in the ID card information identified with bank card information
During cause, the ID card information of identification, biological characteristic and bank card information are stored to described loan data stock
Store up and set up the corresponding relation of three；
Authentication unit, for ID card information, biological characteristic and bank card information and the described loan that will identify
The corresponding information of database purchase compares, if identical, certification success；
Loan unit, for after the authentication has been successful, obtains the loan data of user's input, by described loan number
According to being stored in described loan database to update credit information, set up described credit information and ID card information, life
Thing feature and the corresponding relation of bank card information, and current loan operation is sent to banking system；
Refund unit, for after the authentication has been successful, obtains the refund data of user's input, by described also amount of money
According to being stored in described loan database to update credit information, and operation of currently refunding sends to banking system；
Query unit, for after the authentication has been successful, reads described credit information from described loan database, and
Transmission to display screen shows.
Provide a loan the most as claimed in claim 2 Verification System, it is characterised in that described authentication unit will known
Other bank card information is not mated with the bank card information of storage in described loan database, and the bank identified
When the ID card information comprised in card information is consistent with the ID card information of identification, the bank card that will currently identify
Information increases in described loan database, and set up the current bank card information identified and ID card information,
Biological characteristic and the corresponding relation of credit information.
4. the loan Verification System as according to any one of claims 1 to 3, it is characterised in that biological characteristic
Recognition unit includes: fingerprint identification unit, connects described loan processor, is used for identifying fingerprint, and by institute
State fingerprint transmission to described loan processor.
5. the loan Verification System as according to any one of claims 1 to 3, it is characterised in that described biology
Feature identification unit includes: iris recognition unit, connects described loan processor, is used for identifying iris, and
By the transmission of described iris to described loan processor.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610239822.4A CN105847270A (en) | 2016-04-18 | 2016-04-18 | Loan authentication system |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610239822.4A CN105847270A (en) | 2016-04-18 | 2016-04-18 | Loan authentication system |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN105847270A true CN105847270A (en) | 2016-08-10 |
Family
ID=56588763
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201610239822.4A Pending CN105847270A (en) | 2016-04-18 | 2016-04-18 | Loan authentication system |
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| Country | Link |
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| CN (1) | CN105847270A (en) |
Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN107392755A (en) * | 2017-07-07 | 2017-11-24 | 南京甄视智能科技有限公司 | Credit risk merges appraisal procedure and system |
| CN107911331A (en) * | 2016-12-24 | 2018-04-13 | 上海壹账通金融科技有限公司 | Data verification method and server |
| WO2019205279A1 (en) * | 2018-04-25 | 2019-10-31 | 平安科技（深圳）有限公司 | Bank card authentication method, apparatus, device and readable storage medium |
| CN115147962A (en) * | 2022-06-22 | 2022-10-04 | 中国重汽集团济南动力有限公司 | Three-party interactive car selling and locking method, device and storage medium |
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| US20130212022A1 (en) * | 2006-10-25 | 2013-08-15 | Payfont Limited | Secure authentication and payment system |
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Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN107911331A (en) * | 2016-12-24 | 2018-04-13 | 上海壹账通金融科技有限公司 | Data verification method and server |
| CN107392755A (en) * | 2017-07-07 | 2017-11-24 | 南京甄视智能科技有限公司 | Credit risk merges appraisal procedure and system |
| WO2019205279A1 (en) * | 2018-04-25 | 2019-10-31 | 平安科技（深圳）有限公司 | Bank card authentication method, apparatus, device and readable storage medium |
| CN115147962A (en) * | 2022-06-22 | 2022-10-04 | 中国重汽集团济南动力有限公司 | Three-party interactive car selling and locking method, device and storage medium |
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| C06 | Publication | ||
| PB01 | Publication | ||
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| SE01 | Entry into force of request for substantive examination | ||
| RJ01 | Rejection of invention patent application after publication | ||
| RJ01 | Rejection of invention patent application after publication |
Application publication date: 20160810 |