CN107730251A

CN107730251A - Cash in banks electronics based on biological identification technology draws system and operating method

Info

Publication number: CN107730251A
Application number: CN201710898550.3A
Authority: CN
Inventors: 李俊; 赵燕; 郭杨; 高鹏翔; 贾武; 曹璟华
Original assignee: Shanxi Special Faith Universal Information Technology Co Ltd
Current assignee: Shanxi Special Faith Universal Information Technology Co Ltd
Priority date: 2017-09-28
Filing date: 2017-09-28
Publication date: 2018-02-23

Abstract

The present invention discloses a kind of cash in banks electronics based on biological identification technology and draws system and operating method,Solve existing cash in banks electronics and draw the safety problem hidden in system,Mobile phone terminal and banking terminal and electronics communicate to connect between drawing server,Electronics draws server and mobile phone terminal,Banking terminal,Authentication server,Bio-identification server,Communicated to connect between data server and bank server,Electronics draws server and passes through Authentication server and the identity information and biological information of bio-identification server authentication banking terminal,Realize the operation to bank server,The data server draws operation note of the server to bank server for preserving bank electronic,Pass through mobile phone terminal typing face,Fingerprint,Iris,Refer to vein,The biological informations such as vocal print,And it is stored on bio-identification server,The security that cash in banks electronics is drawn by life assemblage cryptographic assurance.

Description

Cash in banks electronics based on biological identification technology draws system and operating method

Technical field

A kind of cash in banks electronics based on biological identification technology of the present invention draws system and operating method, belongs to e-mail Cease technical field.

Background technology

Drawing for cash in banks is changed from traditional withdrawal mode to electronic mode at present.Traditional withdrawal Mode has two kinds, first, bank card password Cash Out is inputted in the artificial window of bank, second, inserting bank card simultaneously on ATM Input password Cash Out；The mode of drawing of current electronic mode has three kinds, first, receiving identifying code branch by phone number Pay, second, being paid by online banking password, third, carrying out secure payment by net shield.

Current cash in banks is drawn by multiple-authentications such as password authentification, short-message verification, the checkings of net shield to ensure silver The security that row deposit electronics is drawn.

But at present there is the deficiency of following several respects in the electronics system of drawing of cash in banks：

First, bank card password may be stolen；

When we input password, the data that can be monitored or side malicious person steal.

2nd, short message verification code may be stolen；

Criminal at present, networking telephone etc. can be utilized to steal the password of user or intercept and capture short message verification code.

3rd, net shield carries inconvenient, may lose.

The content of the invention

The invention overcomes the deficiencies of the prior art, and provides a kind of cash in banks electricity based on biological identification technology Son draws system and operating method, solves existing cash in banks electronics and draws the safety problem hidden in system.

In order to solve the above-mentioned technical problem, the technical solution adopted by the present invention is：A kind of silver based on biological identification technology Row deposit electronics draws system, including mobile phone terminal, banking terminal, electronics are drawn server, Authentication server, biology and known Other server, data server and bank server, the mobile phone terminal and banking terminal and electronics lead between drawing server Letter connection, the electronics draw server and mobile phone terminal, banking terminal, Authentication server, bio-identification server, number Communicated to connect according between server and bank server, the electronics is drawn server and known by Authentication server and biology The identity information and biological information of other server authentication banking terminal, realize the operation to bank server, the data, services Device draws operation note of the server to bank server for preserving bank electronic；The mobile phone terminal includes NFC chip, deposited Store up chip, Data Enter module and communication module, the NFC chip, Data Enter module and communication module are and storage chip Electrical connection, described information recording module be used for gather including face, fingerprint, iris, refer to vein and vocal print including biological information And pass to storage chip.

A kind of cash in banks electronics based on biological identification technology of the present invention draws the operating method of system, including personal silver Row deposit electronics draws system registry, Private Banking's deposit electronics draws payment in system line, Private Banking's deposit electronics is drawn Paid under system line, Private Banking's deposit electronics system of drawing is transferred accounts, Private Banking's deposit electronics draws system logout, enterprise's silver Row deposit electronics draws system registry, enterprise bank deposit electronics draws system authorization, enterprise bank deposit electronics draws system Draw, enterprise bank deposit electronics draws system logout；

The method that Private Banking's deposit electronics draws system registry is implemented in the steps below：

Step1：Mobilephone terminal user proposes that opening cash in banks electronics draws service request to bank；

Step2：Bank's card number that cash in banks electronics draws service is opened in banking terminal typing application；

Step3：Mobile phone terminal transmits information to banking terminal, including ID card information, biological information and telephone number Information；

Step4：All information of institute's typing are sent to electronics and draw server by banking terminal；

Step5：Electronics draws the data that server interpretation banking terminal passes back and whether the data locally preserved be consistent；

Step6：If data are consistent, by checking, open cash in banks electronics to banking terminal transmission and draw service order；It is no Then, open cash in banks electronics and draw serv-fail；

Step7：User selects the built-up sequence of biometric information verification in banking terminal, as double code；

Step8：Banking terminal will verify that built-up sequence is stored in electronics and drawn on server；

Step9：User enters electronic bank application from mobile phone terminal, and to electronics draw server send include identity information, Information including biological information, bank card and telephone number；

Step10：Whether the information that electronics draws the mobile phone terminal that server judgement receives is consistent with the information locally preserved；

Step11：If consistent, notify user's bank electronic to draw service release success, and silver card information is shown to user, it is no Then bank electronic draws service release failure.

Private Banking's deposit electronics is drawn the method paid in system line and implemented in the steps below：

Step1：Mobilephone terminal user is in shopping app shopping goodses, generation payment order；

Step2：Mobilephone terminal user confirms to payment；

Step3：Mobile phone terminal calling cash in banks electronics draws the payment interface of service；

Step4：Mobilephone terminal user according to typing during registration built-up sequence typing biological information successively；

Step5：Electronics draws the biometrics password that server is inputted by Authentication server and bio-identification server authentication Whether the biometrics password retained during with registering is consistent；

Step6：If consistent, judge whether bank card remaining sum is more than order payment according to bank server data；If It is inconsistent, prompt cipher mistake, pay failure；

Step7：If bank card remaining sum is more than order payment, bill payment is carried out by bank server；Otherwise, prompt Sorry, your ticket has not enough value, pays failure；

Step8：After bank server is paid to order, transfer data to electronics and draw server；

Step9：Electronics draws server and payment record is stored in data server；

Step10：Electronics, which is drawn server and sent to mobile phone terminal, to be paid and successfully instructs；

Step11：Cash in banks electronics is drawn to pay in system line and completed.

Private Banking's deposit electronics is drawn the method paid under system line and implemented in the steps below：

Step1：Businessman is in payment terminal typing payment；

Step2：Mobilephone terminal user input biological information unblock mobile phone terminal, the payment of system is drawn into cash in banks electronics Module；

Step3：Mobile phone terminal is touched with payment terminal, and by close range communication techniques, payment data is transmitted into mobile phone end End；

Step4：User mobile phone terminal shows Business Information and payment；

Step5：User carries out examination ＆ verification confirmation to information, can select to confirm Zhi Fuyu refusal to pay；

Step6：User inputs life assemblage password in order in mobile phone terminal；

Step7：Mobile phone terminal passes pay invoice and life assemblage encrypted message back electronics and draws server；

Step8：Electronics draws the biometrics password that server is inputted by Authentication server and bio-identification server authentication Whether the biometrics password retained during with registering is consistent；

Step9：If consistent, judge whether bank card remaining sum is more than order payment according to bank server data；If It is inconsistent, prompt cipher mistake, pay failure；

Step10：If bank card remaining sum is more than order payment, bill payment is carried out by bank server；Otherwise, carry Show that Sorry, your ticket has not enough value, pay failure；

Step11：After bank server is paid to order, transfer data to electronics and draw server；

Step12：Electronics draws server and payment record is stored in data server；

Step13：Electronics draws server and pays and successfully instruct to mobile phone terminal and payment terminal transmission respectively；

Step14：Cash in banks electronics is drawn to pay under system line and completed.

The method that Private Banking's deposit electronics system of drawing is transferred accounts is implemented in the steps below：

Step1：Mobilephone terminal user input biological information unblock mobile phone, and enter the mould of transferring accounts that cash in banks electronics draws system Block；

Step2：Input bank's card number of beneficiary or touched with the mobile phone terminal of beneficiary, transmitted by near radio Technology reads bank's card number of beneficiary；

Step3：Mobilephone terminal user inputs transfer amounts；

Step4：Mobile phone terminal generates bill of transferring accounts；

Step5：User audits to the information including bank's card number, payee name and transfer amounts for bill of transferring accounts Confirm, confirmation is transferred accounts now or refuses to transfer accounts；

Step7：To transfer accounts bill and life assemblage encrypted message of mobile phone terminal passes electronics back and draws server；

Step9：If consistent, judge whether bank card remaining sum is more than transfer amounts according to bank server data；If differ Cause, prompt cipher mistake, transfer accounts unsuccessfully；

Step10：If bank card remaining sum is more than transfer amounts, transferred accounts by bank server；Otherwise, balance amount prompting is not Foot, transfers accounts unsuccessfully；

Step11：After bank server carries out transfer operation, transfer data to electronics and draw server；

Step12：Electronics is drawn the server record that will transfer accounts and is stored in data server；

Step13：Electronics draws server and transfers accounts and successfully instruct to mobile phone terminal and beneficiary transmission respectively；

Step14：The cash in banks electronics system of drawing is transferred accounts completion.

The method that Private Banking's deposit electronics draws system logout is implemented in the steps below：

Step1：User mobile phone terminal propose nullify application, and to electronics draw server send include identity information, biology Information including information, telephone number；

Step2：Electronics draws server and judges whether the information that receives and the information locally preserved are consistent；

Step3：If consistent, send and instruct to mobile phone terminal, it is desirable to which user inputs life assemblage password in mobile phone terminal；It is no Then, user log off failure is prompted；

Step4：User inputs life assemblage password in order in mobile phone terminal, and passes life assemblage password back electronics and draw clothes Business device；

Step5：Electronics draw server judge input life assemblage password and the life assemblage password that locally preserves whether one Cause；

Step6：If consistent, electronics is drawn server and communicated with data server, and the account for applying for logging off users is freezed, and Notice mobile phone terminal deletes its electronic account information；Otherwise, failure is nullified；

Step7：Mobile phone terminal deletes its electronic account information；

Step8：Nullify and complete.

The method that the enterprise bank deposit electronics draws system registry is implemented in the steps below：

Step1：Legal representative of enterprises proposes that opening enterprise bank deposit electronics draws service request to bank；

Step2：The enterprise bank card number that cash in banks electronics draws service is opened in banking terminal typing application；

Step3：Mobile phone terminal transmits information, including business entity's ID card information, biological information, telephone number to banking terminal With the information including company information；

Step6：If data are consistent, by checking, open the enterprise bank deposit electronics service of drawing to banking terminal transmission and refer to Order；Otherwise, open enterprise bank deposit electronics and draw serv-fail；

Step7：Legal representative of enterprises inputs biological information as password in banking terminal；

Step8：Legal representative of enterprises biological information is stored in electronics and drawn on server by banking terminal；

Step9：Legal representative of enterprises enters electronic bank application from mobile phone terminal, and draws server to electronics and send and include body Information including part information, biological information, bank card and telephone number；

Step11：If consistent, notice legal representative of enterprises bank electronic draws service release success, and to legal representative of enterprises Enterprise's silver card information is shown, otherwise enterprise bank electronics draws service release failure.

The method that the enterprise bank deposit electronics draws system authorization is implemented in the steps below：

Step1：Legal representative of enterprises inputs biological information in mobile phone terminal；

Step2：Mobile phone terminal judges whether the biological information of input and reserved biological information are consistent；

Step3：If information is consistent, mobile phone terminal unblock；Otherwise, biological information is re-entered；

Step4：After mobile phone terminal unblock, Entry Firm cash in banks electronics draws authoring system；

Step5：Legal representative of enterprises inputs the information of licensee, the information including phone number, ID card No.；

Step6：Authorisation process is carried out to keeper, record authorizes the time, sets licensing term, sets the identity of grantee, Including Chief Financial Officer, accounting and cashier, set according to different identity and pay amount, wherein, the payment amount of cashier is Zero；

Step7：Authorization message is confirmed to submit by mobile phone terminal, is passed electronics back and is drawn server；

Step8：Electronics draws server based on data server saves data, enters examination ＆ verification to authorization message, judges what is received Whether authorization message and the information preserved are consistent；

Step9：If consistent, authorization message is saved in data server, otherwise authorization failure；

Step10：Licensee's mobile phone terminal receives the authorized instruction that server transmission is drawn by electronics, shows enterprise bank Card information, and life assemblage password is set, and life assemblage password is beamed back into electronics and draws server backup；

Step11：Electronics, which is drawn server and sent to the mobile phone terminal of business entity, to be authorized and successfully instructs, and enterprise bank deposit is electric Son draws system authorization completion.

The method that the enterprise bank deposit electronics system of drawing is drawn is implemented in the steps below：

Step1：Cashier logs in its enterprise bank deposit electronics and draws system, and typing expenditure is including reimbursement and wage Project, generation expenditure bill；

Step2：Cashier's statement carries out examination ＆ verification confirmation, and input life assemblage password is submitted, data syn-chronization to accounting People system is audited；

Step3：Accountant logs in enterprise bank deposit in its mobile phone terminal and draws system, and statement is audited；

Step4：After examination ＆ verification passes through, operated into next step, otherwise reject bill；

Step5：System judges whether billing amount is more than the default maximum amount of accountant；

Step6：If billing amount is more than maximum amount, accountant inputs life assemblage password and submitted, data syn-chronization Audited to Chief Financial Officer's system, operated into next step；If billing amount is less than maximum amount, accountant inputs life Thing combination pin confirms to pay, and bill information and life assemblage password are transmitted into bank electronic draws server, turns to Step13；

Step7：Chief Financial Officer logs in enterprise bank deposit in its mobile phone terminal and draws system, and statement is audited；

Step8：After examination ＆ verification passes through, next step operation is carried out, otherwise rejects bill；

Step9：System judges whether billing amount is more than the default maximum amount of Chief Financial Officer；

Step10：If billing amount is more than maximum amount, Chief Financial Officer inputs life assemblage password and submitted, data syn-chronization Audited to legal representative of enterprises system；If billing amount is less than maximum amount, Chief Financial Officer inputs life assemblage password Confirm to pay, bill information and life assemblage password are transmitted into bank electronic draws server, turns to Step13；

Step11：Legal representative of enterprises logs in enterprise bank deposit in its mobile phone terminal and draws system, and statement is audited；

Step12：After examination ＆ verification passes through, legal representative of enterprises input life assemblage password confirming is paid, by bill information and biological group Conjunction password is transmitted to electronics and draws server, turns to Step13, otherwise, rejects bill；

Step13：Electronics draws the biometrics password that server is inputted by Authentication server and bio-identification server authentication It is whether consistent with the biometrics password that locally preserves；

Step14：If consistent, judge whether bank card remaining sum is more than transfer amounts according to bank server data；If differ Cause, prompt cipher mistake, enter an item of expenditure in the accounts unsuccessfully；

Step15：If bank card remaining sum is more than transfer amounts, transferred accounts by bank server；Otherwise, balance amount prompting is not Foot, enters an item of expenditure in the accounts unsuccessfully；

Step16：Bank server is entered an item of expenditure in the accounts including after the operation submitting an expense account and pay wages, transferring data to electronics and drawing Server；

Step17：Electronics is drawn the server record that will enter an item of expenditure in the accounts and is stored in data server；

Step18：Electronics, which is drawn server and sent to mobile phone terminal, to be drawn and successfully instructs；

Step19：The enterprise bank deposit electronics system of drawing draws completion.

The method that the enterprise bank deposit electronics draws system logout is implemented in the steps below：

Step1：Legal representative of enterprises mobile phone terminal propose nullify application, and to electronics draw server send include the Enterprise Law Information including people's representative capacity information, biological information, telephone number and company information；

Step3：If consistent, send and instruct to mobile phone terminal, it is desirable to which legal representative of enterprises inputs biological information in mobile phone terminal Password；Otherwise, user log off failure is prompted；

Step4：Legal representative of enterprises inputs biological information password in mobile phone terminal, and passes biological information password back electronics and draw Server；

Step5：Electronics draw server judge input biological information password and the biological information password that locally preserves whether one Cause；

Step6：If consistent, electronics is drawn server and communicated with data server, and the business account for applying nullifying is freezed, and Notice mobile phone terminal deletes its electronic account information；Otherwise, failure is nullified；

Step7：Legal representative of enterprises deletes business-electronic accounts information in its mobile phone terminal；

Step8：Nullify and complete.

The present invention has an advantageous effect in that compared with prior art：With science and technology it is growing, mobile phone into For the necessity in people's daily life, on-line payment or transfer accounts and turn into the normality of people's daily life；With awareness of safety Increasingly raising, people are to on-line payment or the awareness of safety more and more higher transferred accounts.The present invention passes through mobile phone terminal, user Face, fingerprint, iris, refer to the biological identification technologies such as vein, vocal print, solve because password is stolen, SMS interception, net shield lose institute's band The security hidden trouble come.

Brief description of the drawings

The present invention is described further below in conjunction with the accompanying drawings.

Fig. 1 is the structural framing figure of the present invention.

In figure：1 be mobile phone terminal,

11 be NFC chip, 12 be storage chip, 13 be Data Enter module, 14 be communication module, 2 be banking terminal, 3 be electricity Son draw server, 4 be Authentication server, 5 be bio-identification server, 6 be data server, 7 be bank server.

Embodiment

As shown in figure 1, a kind of cash in banks electronics based on biological identification technology of the present invention draws system, including mobile phone end End 1, banking terminal 2, electronics draw server 3, Authentication server 4, bio-identification server 5, data server 6 and silver Row server 7, the mobile phone terminal 1 and banking terminal 2 and electronics are communicated to connect between drawing server 3, and the electronics is drawn Server 3 and mobile phone terminal 1, banking terminal 2, Authentication server 4, bio-identification server 5, data server 6 and silver Communicated to connect between row server 7, the electronics draws server 3 and passes through Authentication server 4 and bio-identification server 5 The identity information and biological information of banking terminal 2 are verified, realizes the operation to bank server 7, the data server 7 is used for Preserve bank electronic and draw operation note of the server 3 to bank server 7；The mobile phone terminal 1 includes NFC chip 11, deposited Store up chip 12, Data Enter module 13 and communication module 14, the NFC chip 11, Data Enter module 13 and communication module 14 Electrically connected with storage chip 12, described information recording module 13, which is used for collection, to be included face, fingerprint, iris, refer to vein harmony Biological information including line simultaneously passes to storage chip 12.

Step1：The user of mobile phone terminal 1 proposes that opening cash in banks electronics draws service request to bank；

Step2：Bank's card number that cash in banks electronics draws service is opened in the typing application of banking terminal 2；

Step3：Mobile phone terminal 1 transmits information to banking terminal 2, including ID card information, biological information and telephone number Information；

Step4：All information of institute's typing are sent to electronics and draw server 3 by banking terminal 2；

Step5：Electronics draws the data that the interpretation banking terminal 2 of server 3 passes back and whether the data locally preserved be consistent；

Step6：If data are consistent, by checking, open cash in banks electronics to the transmission of banking terminal 2 and draw service order； Otherwise, open cash in banks electronics and draw serv-fail；

Step7：User selects the built-up sequence of biometric information verification in banking terminal 2, as double code；

Step8：Banking terminal 2 will verify that built-up sequence is stored in electronics and drawn on server 3；

Step9：User enters electronic bank application from mobile phone terminal 1, and draws server 3 to electronics and send and include identity and believe Information including breath, biological information, bank card and telephone number；

Step10：Electronics draw the information of mobile phone terminal 1 that server 3 judges to receive whether with the information one that locally preserves Cause；

Step1：The user of mobile phone terminal 1 is in shopping app shopping goodses, generation payment order；

Step2：The user of mobile phone terminal 1 confirms to payment；

Step3：The calling cash in banks electronics of mobile phone terminal 1 draws the payment interface of service；

Step4：The user of mobile phone terminal 1 according to typing during registration built-up sequence typing biological information successively；

Step5：Electronics draws server 3 and verifies the biological close of input by Authentication server 4 and bio-identification server 5 Whether code and the biometrics password retained during registration are consistent；

Step6：If consistent, judge whether bank card remaining sum is more than order payment according to the data of bank server 7；If It is inconsistent, prompt cipher mistake, pay failure；

Step7：If bank card remaining sum is more than order payment, bill payment is carried out by bank server 7；Otherwise, carry Show that Sorry, your ticket has not enough value, pay failure；

Step8：After bank server 7 is paid to order, transfer data to electronics and draw server 3；

Step9：Electronics draws server 3 and payment record is stored in data server 6；

Step10：Electronics, which is drawn server 6 and sent to mobile phone terminal 1, to be paid and successfully instructs；

Step1：Businessman is in payment terminal typing payment；

Step2：The user of mobile phone terminal 1 inputs biological information unblock mobile phone terminal 1, and paying for system is drawn into cash in banks electronics Money module；

Step3：Mobile phone terminal 1 is touched with payment terminal, and by close range communication techniques, payment data is transmitted into mobile phone end End 1；

Step4：User mobile phone terminal 1 shows Business Information and payment；

Step6：User inputs life assemblage password in order in mobile phone terminal 1；

Step7：Mobile phone terminal 1 passes pay invoice and life assemblage encrypted message back electronics and draws server 3；

Step8：Electronics draws server 3 and verifies the biological close of input by Authentication server 4 and bio-identification server 5 Whether code and the biometrics password retained during registration are consistent；

Step9：If consistent, judge whether bank card remaining sum is more than order payment according to the data of bank server 7；If It is inconsistent, prompt cipher mistake, pay failure；

Step10：If bank card remaining sum is more than order payment, bill payment is carried out by bank server 7；Otherwise, carry Show that Sorry, your ticket has not enough value, pay failure；

Step11：After bank server 7 is paid to order, transfer data to electronics and draw server 3；

Step12：Electronics draws server 3 and payment record is stored in data server 6；

Step13：Electronics draws server 3 and pays and successfully instruct to mobile phone terminal 1 and payment terminal transmission respectively；

Step1：The user of mobile phone terminal 1 inputs biological information unblock mobile phone, and draws transferring accounts for system into cash in banks electronics Module；

Step2：Input bank's card number of beneficiary or touched with the mobile phone terminal 1 of beneficiary, passed by near radio Transferring technology reads bank's card number of beneficiary；

Step3：The user of mobile phone terminal 1 inputs transfer amounts；

Step4：Mobile phone terminal 1 generates bill of transferring accounts；

Step7：To transfer accounts bill and the life assemblage encrypted message of mobile phone terminal 1 passes electronics back and draws server 3；

Step9：If consistent, judge whether bank card remaining sum is more than transfer amounts according to the data of bank server 7；If differ Cause, prompt cipher mistake, transfer accounts unsuccessfully；

Step10：If bank card remaining sum is more than transfer amounts, transferred accounts by bank server 7；Otherwise, balance amount prompting is not Foot, transfers accounts unsuccessfully；

Step11：After bank server 7 carries out transfer operation, transfer data to electronics and draw server 3；

Step12：Electronics is drawn the record that will transfer accounts of server 3 and is stored in data server 6；

Step13：Electronics draws server 3 and transfers accounts and successfully instruct to mobile phone terminal 1 and beneficiary transmission respectively；

Step1：User mobile phone terminal 1 propose nullify application, and to electronics draw server 3 send include identity information, life Information including thing information, telephone number；

Step2：Electronics draws server 3 and judges whether the information that receives and the information locally preserved are consistent；

Step3：If consistent, send and instruct to mobile phone terminal 1, it is desirable to which user inputs life assemblage password in mobile phone terminal 1；It is no Then, user log off failure is prompted；

Step4：User inputs life assemblage password in order in mobile phone terminal 1, and passes life assemblage password back electronics and draw Server 3；

Step5：Electronics draw server 3 judge input life assemblage password and the life assemblage password that locally preserves whether one Cause；

Step6：If consistent, electronics is drawn server 3 and communicated with data server 6, and the account for applying for logging off users is freezed, And mobile phone terminal is notified to delete its electronic account information；Otherwise, failure is nullified；

Step7：Mobile phone terminal 1 deletes its electronic account information；

Step8：Nullify and complete.

Step2：The enterprise bank card number that cash in banks electronics draws service is opened in the typing application of banking terminal 2；

Step3：Mobile phone terminal 1 transmits information, including business entity's ID card information, biological information, phone number to banking terminal 2 Information including code and company information；

Step6：If data are consistent, by checking, open the enterprise bank deposit electronics service of drawing to the transmission of banking terminal 2 and refer to Order；Otherwise, open enterprise bank deposit electronics and draw serv-fail；

Step7：Legal representative of enterprises inputs biological information as password in banking terminal 2；

Step8：Legal representative of enterprises biological information is stored in electronics and drawn on server 3 by banking terminal 2；

Step9：Legal representative of enterprises enters electronic bank application from mobile phone terminal 1, and draws server 3 to electronics and send and include Information including identity information, biological information, bank card and telephone number；

Step1：Legal representative of enterprises inputs biological information in mobile phone terminal 1；

Step2：Mobile phone terminal 1 judges whether the biological information of input and reserved biological information are consistent；

Step3：If information is consistent, mobile phone terminal 1 unlocks；Otherwise, biological information is re-entered；

Step4：After mobile phone terminal 1 unlocks, Entry Firm cash in banks electronics draws authoring system；

Step7：Authorization message is confirmed to submit by mobile phone terminal 1, is passed electronics back and is drawn server 3；

Step8：Electronics draws server 3 and preserves data according to data server 6, enters examination ＆ verification to authorization message, judges to receive Authorization message and the information that is preserved it is whether consistent；

Step9：If consistent, authorization message is saved in data server 6, otherwise authorization failure；

Step10：Licensee's mobile phone terminal 1 receives the authorized instruction drawn server 3 by electronics and sent, display enterprise silver Row card information, and life assemblage password is set, and life assemblage password beamed back into electronics draw server 3 and back up；

Step11：Electronics, which is drawn server 3 and sent to the mobile phone terminal 1 of business entity, to be authorized and successfully instructs, and enterprise bank is deposited Electronics draws system authorization completion.

Step3：Accountant logs in enterprise bank deposit in its mobile phone terminal 1 and draws system, and statement is audited；

Step7：Chief Financial Officer logs in enterprise bank deposit in its mobile phone terminal 1 and draws system, and statement is audited；

Step11：Legal representative of enterprises logs in enterprise bank deposit in its mobile phone terminal 1 and draws system, and statement is audited；

Step12：After examination ＆ verification passes through, legal representative of enterprises input life assemblage password confirming is paid, by bill information and biological group Conjunction password is transmitted to electronics and draws server 3, turns to Step13, otherwise, rejects bill；

Step13：Electronics draws the biology that server 3 verifies input by Authentication server 4 and bio-identification server 5 Whether password and the biometrics password locally preserved are consistent；

Step14：If consistent, judge whether bank card remaining sum is more than transfer amounts according to the data of bank server 7；If no Unanimously, prompt cipher mistake, enter an item of expenditure in the accounts unsuccessfully；

Step15：If bank card remaining sum is more than transfer amounts, transferred accounts by bank server 7；Otherwise, balance amount prompting is not Foot, enters an item of expenditure in the accounts unsuccessfully；

Step16：Bank server 7 is entered an item of expenditure in the accounts including after the operation submitting an expense account and pay wages, transferring data to electronics and drawing Server 3；

Step17：Electronics is drawn the record that will enter an item of expenditure in the accounts of server 3 and is stored in data server 6；

Step18：Electronics, which is drawn server 3 and sent to mobile phone terminal 1, to be drawn and successfully instructs；

Step1：Legal representative of enterprises mobile phone terminal 1 propose nullify application, and to electronics draw server 3 send include enterprise Information including legal representative's identity information, biological information, telephone number and company information；

Step3：If consistent, send and instruct to mobile phone terminal 1, it is desirable to which legal representative of enterprises inputs biological letter in mobile phone terminal 1 Cease password；Otherwise, user log off failure is prompted；

Step4：Legal representative of enterprises inputs biological information password in mobile phone terminal 1, and passes biological information password back electronics branch Take server 3；

Step5：Electronics draw server 3 judge input biological information password and the biological information password that locally preserves whether one Cause；

Step6：If consistent, electronics is drawn server 3 and communicated with data server 6, and the business account for applying nullifying is freezed, And mobile phone terminal 1 is notified to delete its electronic account information；Otherwise, failure is nullified；

Step7：In its mobile phone, business-electronic accounts information is deleted at 1 end to legal representative of enterprises eventually；

Step8：Nullify and complete.

The present invention is explained in detail below by specific embodiment.

User of the present invention fingerprint, iris, refers to the biological informations such as vein, vocal print, and deposit by mobile phone terminal typing face Storage is on bio-identification server, cash in banks electronics is drawn by life assemblage cryptographic assurance security.

Below by taking mobilephone terminal user A as an example, illustrate Private Banking's deposit electronics draw the registration of system, pay on line, The flow for paying, transferring accounts and nullifying under line.

Private Banking's deposit electronics draws system registry flow：

Step1：User A proposes that opening cash in banks electronics draws service request to bank；

Step2：Bank's card number that cash in banks electronics draws service is opened in banking terminal typing user A applications；

Step3：User A transmits information, including ID card information, biological information, phone number by mobile phone terminal to banking terminal Code etc.；

Step4：All information of institute's typing are sent to bank electronic and draw server by banking terminal；

Step5：Bank electronic draws the data that server interpretation banking terminal passes back and whether the data locally preserved be consistent；

Step7：User A selects the built-up sequence of biometric information verification in banking terminal, as double code；

Step8：Banking terminal will verify that built-up sequence is stored in bank electronic and drawn on server；

Step9：User A enters electronic bank application from mobile phone terminal, and to bank electronic draw server send identity information, The information such as biological information, bank card, telephone number；

Step10：Bank electronic draw server judge the user A that receives by mobile phone terminal transmit information whether with local The information of preservation is consistent；

Private Banking's deposit electronics draws payment flow in system line：

Step1：User A is in shopping app shopping goodses, generation payment order；

Step2：User A confirms to payment；

Step4：User A according to typing during registration built-up sequence typing biological information successively；

Step5：Bank electronic draws the biology that server is inputted by Authentication server and bio-identification server authentication Whether password and the biometrics password retained during registration are consistent；

Step8：After bank server is paid to order, transfer data to cash in banks electronics and draw server；

Step9：Bank electronic draws server and user A payment record is stored in data server；

Step10：Bank electronic, which is drawn server and sent to user A mobile phone terminal, to be paid and successfully instructs；

Payment flow under Private Banking's deposit electronics branch line taking：

Step1：Businessman is in payment terminal typing payment；

Step2：User A unlocks mobile phone terminal in mobile phone terminal input biological information, and system is drawn into cash in banks electronics Payment module；

Step3：User A mobile phone terminal and the payment terminal of businessman are touched, and by close range communication techniques, will pay number According to being transmitted to mobile phone terminal；

Step4：User A mobile phone terminal shows Business Information and payment；

Step5：User A carries out examination ＆ verification confirmation to the information received, can select to confirm Zhi Fuyu refusal to pay；

Step6：User A inputs life assemblage password in mobile phone terminal（There is sequence requirement）；

Step7：Mobile phone terminal passes the information such as pay invoice and life assemblage password back cash in banks electronics and draws server；

Step8：Bank electronic draws the biology that server is inputted by Authentication server and bio-identification server authentication Whether password and the biometrics password retained during registration are consistent；

Step11：After bank server is paid to order, transfer data to cash in banks electronics and draw server；

Step12：Bank electronic draws server and payment record is stored in data server；

Step13：Bank electronic draws server and pays and successfully instruct to mobile phone terminal and payment terminal transmission respectively；

Step14：Cash in banks electronics is drawn to pay in system line and completed.

Private Banking's deposit electronics draws system transfer process：

Step1：User A draws turning for system in mobile phone terminal input biological information unblock mobile phone into cash in banks electronics Account module；

Step2：Input bank's card number of beneficiary（Or touched with the mobile phone terminal of beneficiary, pass through near radio Transmission technology reads bank's card number of beneficiary）；

Step3：User A inputs transfer amounts in mobile phone terminal；

Step4：Mobile phone terminal generates bill of transferring accounts；

Step5：Information of the user A to bill of transferring accounts（Including information such as bank's card number, payee name, transfer amounts）Examined Core confirms, can confirm now to transfer accounts or refuse to transfer accounts；

Step6：User inputs life assemblage password in mobile phone terminal（There is sequence requirement）；

Step7：The mobile phone terminal information such as bill and life assemblage password that will transfer accounts passes cash in banks electronics back and draws server；

Step11：After bank server carries out transfer operation, transfer data to cash in banks electronics and draw server；

Step12：Bank electronic is drawn the server record that will transfer accounts and is stored in data server；

Step13：Bank electronic draws server and transfers accounts and successfully instruct to mobile phone terminal and beneficiary transmission respectively；

Private Banking's deposit electronics draws system logout flow：

Step1：User A mobile phone terminal propose nullify application, and to bank electronic draw server send include identity information, Information including biological information, telephone number；

Step2：Bank electronic draws server and judges whether the information that receives and the information locally preserved are consistent；

Step3：If consistent, send and instruct to mobile phone terminal, it is desirable to which user A inputs life assemblage password in mobile phone terminal；It is no Then, user log off failure is prompted；

Step4：User A inputs life assemblage password in mobile phone terminal（There is sequence requirement）, and pass life assemblage password back silver Row electronics draws server；

Step5：Bank electronic draws server and judges that the life assemblage password of input is with the life assemblage password locally preserved It is no consistent.

Step6：If consistent, bank electronic is drawn server and communicated with database server, will apply for logging off users Account is freezed, and notifies mobile phone terminal to delete its electronic account information；Otherwise, failure is nullified；

Step7：User A mobile phone terminal deletes its electronic account information；

Step8：Nullify and complete.

Below by taking enterprise customer's first as an example, illustrate enterprise bank deposit electronics draw the registration of system, mandate, using with note The flow of pin.

Enterprise bank deposit electronics draws system registry flow：

Step1：Legal representative of enterprises B proposes that opening enterprise bank deposit electronics draws service request to bank；

Step3：Legal representative of enterprises B by mobile phone terminal to banking terminal transmit information, including business entity's ID card information, Biological information, telephone number, company information etc.；

Step7：Legal representative of enterprises B inputs biological information as password in banking terminal；

Step8：Legal representative of enterprises B biological information is stored in bank electronic and drawn on server by banking terminal；

Step9：Legal representative of enterprises B enters electronic bank application from mobile phone terminal, and draws server to bank electronic and send The information such as identity information, biological information, bank card, telephone number；

Step10：Bank electronic draw the information of mobile phone terminal that server judges to receive whether with the information one that locally preserves Cause；

Enterprise bank deposit electronics draws system authorization flow（C is authorized as Chief Financial Officer using legal representative of enterprises B respectively, D For accounting, E is exemplified by receiving and paying out）：

Step1：Legal representative of enterprises B inputs biological information in mobile phone terminal；

Step5：Legal representative of enterprises inputs the information such as licensee C phone number, identity card；

Step6：Record authorizes the time, sets licensing term, and the identity for setting licensee C person is Chief Financial Officer, sets it most The big amount that pays is 100,000（The amount of money is depending on enterprise's concrete condition）；

Step7：Authorization message is confirmed to submit by mobile phone terminal, is passed bank electronic back and is drawn server；

Step11：Electronics, which is drawn server and sent to business entity's terminal, to be authorized and successfully instructs, and enterprise bank is deposited electronics and drawn System authorization is completed.

Using same method, it is accounting that legal representative of enterprises B, which authorizes D, and it is 10,000 that its maximum, which pays amount,；Business entity Represent B and authorize E as cashier, its maximum payment amount is 0.

The enterprise bank deposit electronics system of drawing draws flow：

Step1：Cashier E logs in its enterprise bank deposit electronics and draws system, typing expenditure（Reimbursement, wage etc.）It is raw Into expenditure bill（So that the amount of money is 50,000 as an example）；

Step2：Cashier E statements carry out examination ＆ verification confirmation, and input life assemblage password is submitted, data syn-chronization to accounting Personnel's d system is audited；

Step3：Accountant D logs in enterprise bank deposit in its mobile phone terminal and draws system, and statement is audited；

Step5：System judges whether billing amount is more than the default maximum amount of accountant（50000 are more than 10,000）；

Step6：Billing amount is more than maximum amount, and accountant inputs life assemblage password and submitted, data syn-chronization to wealth Superintendent of Mines C system is audited, and is operated into next step；

Step7：Chief Financial Officer C logs in enterprise bank deposit in its mobile phone terminal and draws system, and statement is audited；

Step9：System judges whether billing amount is more than the default maximum amounts of Chief Financial Officer C（50000 are less than 100,000）；

Step10：Billing amount is less than maximum amount, and Chief Financial Officer C input life assemblage password confirmings are paid, by bill information Bank electronic, which is transmitted to, with life assemblage password draws server；

Step11：Bank electronic draws the biology that server is inputted by Authentication server and bio-identification server authentication Whether password and the biometrics password locally preserved are consistent；

Step12：If consistent, judge whether bank card remaining sum is more than transfer amounts according to bank server data；If differ Cause, prompt cipher mistake, enter an item of expenditure in the accounts unsuccessfully；

Step13：If bank card remaining sum is more than transfer amounts, transferred accounts by bank server；Otherwise, balance amount prompting is not Foot, enters an item of expenditure in the accounts unsuccessfully；

Step14：Bank server carries out operation of entering an item of expenditure in the accounts（Submit an expense account or pay wages）Afterwards, cash in banks electricity is transferred data to Son draws server；

Step15：Bank electronic is drawn the server record that will enter an item of expenditure in the accounts and is stored in data server；

Step16：Bank electronic, which is drawn server and sent to mobile phone terminal, to be drawn and successfully instructs；

Step17：The enterprise bank deposit electronics system of drawing draws completion.

Enterprise bank deposit electronics draws system logout flow：

Step1：Legal representative of enterprises B mobile phone terminal propose nullify application, and to bank electronic draw server send include Information including legal representative of enterprises identity information, biological information, telephone number, company information；

Step4：Legal representative of enterprises B inputs biological information password in mobile phone terminal, and passes biological information password back bank electricity Son draws server；

Step5：Bank electronic draws server and judges that the biological information password of input is with the biological information password locally preserved It is no consistent.

Step6：If consistent, bank electronic is drawn server and communicated with database server, will apply for the enterprise of cancellation Account is freezed, and notifies mobile phone terminal to delete its electronic account information；Otherwise, failure is nullified；

Step8：Nullify and complete.

The present invention is explained in detail above in conjunction with embodiment, but the present invention is not limited to above-described embodiment, at this In the those of ordinary skill's possessed knowledge of field, various changes can also be made on the premise of present inventive concept is not departed from Change.

Claims

1. the cash in banks electronics based on biological identification technology draws system, it is characterised in that including mobile phone terminal（1）, bank Terminal（2）, electronics draw server（3）, Authentication server（4）, bio-identification server（5）, data server（6）With Bank server（7）, the mobile phone terminal（1）With banking terminal（2）Server is drawn with electronics（3）Between communicate to connect, institute State electronics and draw server（3）With mobile phone terminal（1）, banking terminal（2）, Authentication server（4）, bio-identification server （5）, data server（6）And bank server（7）Between communicate to connect, the electronics draws server（3）Tested by identity Demonstrate,prove server（4）With bio-identification server（5）Verify banking terminal（2）Identity information and biological information, realize to bank Server（7）Operation, the data server（7）Server is drawn for preserving bank electronic（3）To bank server（7） Operation note；The mobile phone terminal（1）Including NFC chip（11）, storage chip（12）, Data Enter module（13）And communication Module（14）, the NFC chip（11）, Data Enter module（13）And communication module（14）Equal and storage chip（12）It is electrically connected Connect, described information recording module（13）For gather including face, fingerprint, iris, refer to vein and vocal print including biological information And pass to storage chip（12）.

2. a kind of cash in banks electronics according to claim 1 based on biological identification technology draws the operation side of system Method, it is characterised in that draw system registry including Private Banking's deposit electronics, Private Banking's deposit electronics is drawn and propped up in system line Pay, Private Banking's deposit electronics draws payment under system line, Private Banking's deposit electronics system of drawing is transferred accounts, Private Banking's deposit Electronics draws system logout, and enterprise bank deposit electronics draws system registry, enterprise bank deposit electronics draws system authorization, enterprise The industry cash in banks electronics system of drawing is drawn, enterprise bank deposit electronics draws system logout；

Step1：Mobile phone terminal（1）User proposes that opening cash in banks electronics draws service request to bank；

Step2：Banking terminal（2）Bank's card number that cash in banks electronics draws service is opened in typing application；

Step3：Mobile phone terminal（1）To banking terminal（2）Transmit information, including ID card information, biological information and telephone number Information inside；

Step4：Banking terminal（2）All information of institute's typing are sent to electronics and draw server（3）；

Step5：Electronics draws server（3）Interpretation banking terminal（2）Whether the data passed back and the data locally preserved are consistent；

Step6：If data are consistent, by checking, to banking terminal（2）Transmission is opened the service of drawing of cash in banks electronics and referred to Order；Otherwise, open cash in banks electronics and draw serv-fail；

Step7：User is in banking terminal（2）The built-up sequence of biometric information verification is selected, as double code；

Step8：Banking terminal（2）Checking built-up sequence is stored in electronics and draws server（3）On；

Step9：User is from mobile phone terminal（1）Server is drawn into electronic bank application, and to electronics（3）Transmission includes identity Information including information, biological information, bank card and telephone number；

Step10：Electronics draws server（3）Judge the mobile phone terminal received（1）Information whether with the information that locally preserves Unanimously；

3. the cash in banks electronics according to claim 2 based on biological identification technology draws the operating method of system, its It is characterised by, Private Banking's deposit electronics is drawn the method paid in system line and implemented in the steps below：

Step1：Mobile phone terminal（1）User is in shopping app shopping goodses, generation payment order；

Step2：Mobile phone terminal（1）User confirms to payment；

Step3：Mobile phone terminal（1）Cash in banks electronics is called to draw the payment interface of service；

Step4：Mobile phone terminal（1）User according to typing during registration built-up sequence typing biological information successively；

Step5：Electronics draws server（3）Pass through Authentication server（4）With bio-identification server（5）Checking input Whether biometrics password and the biometrics password retained during registration are consistent；

Step6：If consistent, according to bank server（7）Data judge whether bank card remaining sum is more than order payment；Such as Fruit is inconsistent, prompt cipher mistake, pays failure；

Step7：If bank card remaining sum is more than order payment, pass through bank server（7）Carry out bill payment；Otherwise, Balance amount prompting deficiency, pays failure；

Step8：Bank server（7）After being paid to order, transfer data to electronics and draw server（3）；

Step9：Electronics draws server（3）Payment record is stored in data server（6）In；

Step10：Electronics draws server（6）To mobile phone terminal（1）Transmission, which is paid, successfully to be instructed；

4. the cash in banks electronics according to claim 2 based on biological identification technology draws the operating method of system, its It is characterised by, Private Banking's deposit electronics is drawn the method paid under system line and implemented in the steps below：

Step1：Businessman is in payment terminal typing payment；

Step2：Mobile phone terminal（1）User inputs biological information unblock mobile phone terminal（1）, system is drawn into cash in banks electronics Payment module；

Step3：Mobile phone terminal（1）Touched with payment terminal, by close range communication techniques, payment data is transmitted to mobile phone Terminal（1）；

Step4：User mobile phone terminal（1）Show Business Information and payment；

Step6：User is in mobile phone terminal（1）Life assemblage password is inputted in order；

Step7：Mobile phone terminal（1）Pass pay invoice and life assemblage encrypted message back electronics and draw server（3）；

Step8：Electronics draws server（3）Pass through Authentication server（4）With bio-identification server（5）Checking input Whether biometrics password and the biometrics password retained during registration are consistent；

Step9：If consistent, according to bank server（7）Data judge whether bank card remaining sum is more than order payment；Such as Fruit is inconsistent, prompt cipher mistake, pays failure；

Step10：If bank card remaining sum is more than order payment, pass through bank server（7）Carry out bill payment；Otherwise, Balance amount prompting deficiency, pays failure；

Step11：Bank server（7）After being paid to order, transfer data to electronics and draw server（3）；

Step12：Electronics draws server（3）Payment record is stored in data server（6）In；

Step13：Electronics draws server（3）Respectively to mobile phone terminal（1）Send to pay with payment terminal and successfully instruct；

5. the cash in banks electronics according to claim 2 based on biological identification technology draws the operating method of system, its It is characterised by, the method that Private Banking's deposit electronics system of drawing is transferred accounts is implemented in the steps below：

Step1：Mobile phone terminal（1）User inputs biological information unblock mobile phone, and draws turning for system into cash in banks electronics Account module；

Step2：Input bank's card number of beneficiary or the mobile phone terminal with beneficiary（1）Touched, pass through near radio Transmission technology reads bank's card number of beneficiary；

Step3：Mobile phone terminal（1）User inputs transfer amounts；

Step4：Mobile phone terminal（1）Generate bill of transferring accounts；

Step7：Mobile phone terminal（1）The bill that will transfer accounts passes electronics back with life assemblage encrypted message and draws server（3）；

Step9：If consistent, according to bank server（7）Data judge whether bank card remaining sum is more than transfer amounts；If no Unanimously, prompt cipher mistake, transfer accounts unsuccessfully；

Step10：If bank card remaining sum is more than transfer amounts, pass through bank server（7）Transferred accounts；Otherwise, balance amount prompting Deficiency, transfer accounts unsuccessfully；

Step11：Bank server（7）After carrying out transfer operation, transfer data to electronics and draw server（3）；

Step12：Electronics draws server（3）The record that will transfer accounts is stored in data server（6）In；

Step13：Electronics draws server（3）Respectively to mobile phone terminal（1）Send to transfer accounts with beneficiary and successfully instruct；

6. the cash in banks electronics according to claim 2 based on biological identification technology draws the operating method of system, its It is characterised by, the method that Private Banking's deposit electronics draws system logout is implemented in the steps below：

Step1：User is in mobile phone terminal（1）It is proposed to nullify application, and server is drawn to electronics（3）Transmission includes identity letter Information including breath, biological information, telephone number；

Step3：If consistent, to mobile phone terminal（1）Send instruction, it is desirable to which user is in mobile phone terminal（1）It is close to input life assemblage Code；Otherwise, user log off failure is prompted；

Step4：User is in mobile phone terminal（1）Life assemblage password is inputted in order, and passes life assemblage password back electronics branch Take server（3）；

Step5：Electronics draws server（3）Whether the life assemblage password for judging input and the life assemblage password that locally preserves Unanimously；

Step6：If consistent, electronics draws server（3）With data server（6）Communication, the account of logging off users will be applied for Freeze, and notify mobile phone terminal to delete its electronic account information；Otherwise, failure is nullified；

Step7：Mobile phone terminal（1）Delete its electronic account information；

Step8：Nullify and complete.

7. the cash in banks electronics according to claim 2 based on biological identification technology draws the operating method of system, its It is characterised by, the method that the enterprise bank deposit electronics draws system registry is implemented in the steps below：

Step2：Banking terminal（2）The enterprise bank card number that cash in banks electronics draws service is opened in typing application；

Step3：Mobile phone terminal（1）To banking terminal（2）Transmit information, including business entity's ID card information, biological information, electricity Talk about the information including number and company information；

Step6：If data are consistent, by checking, to banking terminal（2）The enterprise bank deposit electronics service of drawing is opened in transmission Instruction；Otherwise, open enterprise bank deposit electronics and draw serv-fail；

Step7：Legal representative of enterprises is in banking terminal（2）Biological information is inputted as password；

Step8：Banking terminal（2）Legal representative of enterprises biological information is stored in electronics and draws server（3）On；

Step9：Legal representative of enterprises is from mobile phone terminal（1）Server is drawn into electronic bank application, and to electronics（3）Send Information including identity information, biological information, bank card and telephone number；

8. the cash in banks electronics according to claim 2 based on biological identification technology draws the operating method of system, its It is characterised by, the method that the enterprise bank deposit electronics draws system authorization is implemented in the steps below：

Step1：Legal representative of enterprises is in mobile phone terminal（1）Input biological information；

Step2：Mobile phone terminal（1）Judge whether biological information and the reserved biological information of input are consistent；

Step3：If information is consistent, mobile phone terminal（1）Unblock；Otherwise, biological information is re-entered；

Step4：Mobile phone terminal（1）After unblock, Entry Firm cash in banks electronics draws authoring system；

Step7：Mobile phone terminal（1）Authorization message is confirmed to submit, electronics is passed back and draws server（3）；

Step8：Electronics draws server（3）According to data server（6）Data are preserved, examination ＆ verification is entered to authorization message, judges to connect Whether the authorization message being subject to and the information preserved are consistent；

Step9：If consistent, authorization message is saved in data server（6）, otherwise authorization failure；

Step10：Licensee's mobile phone terminal（1）Receive and server is drawn by electronics（3）The authorized instruction sent, display enterprise Industry bank card information, and life assemblage password is set, and life assemblage password is beamed back into electronics and draws server（3）Backup；

Step11：Electronics draws server（3）To the mobile phone terminal of business entity（1）Transmission, which authorizes, successfully to be instructed, enterprise bank Deposit electronics draws system authorization completion.

9. the cash in banks electronics according to claim 2 based on biological identification technology draws the operating method of system, its It is characterised by, the method that the enterprise bank deposit electronics system of drawing is drawn is implemented in the steps below：

Step3：Accountant is in its mobile phone terminal（1）Log in enterprise bank deposit and draw system, statement is audited；

Step7：Chief Financial Officer is in its mobile phone terminal（1）Log in enterprise bank deposit and draw system, statement is audited；

Step11：Legal representative of enterprises is in its mobile phone terminal（1）Log in enterprise bank deposit and draw system, statement is examined Core；

Step12：After examination ＆ verification passes through, legal representative of enterprises input life assemblage password confirming is paid, by bill information and biological group Conjunction password is transmitted to electronics and draws server（3）, Step13 is turned to, otherwise, rejects bill；

Step13：Electronics draws server（3）Pass through Authentication server（4）With bio-identification server（5）Checking input Biometrics password and the biometrics password that locally preserves it is whether consistent；

Step14：If consistent, according to bank server（7）Data judge whether bank card remaining sum is more than transfer amounts；If It is inconsistent, prompt cipher mistake, enter an item of expenditure in the accounts unsuccessfully；

Step15：If bank card remaining sum is more than transfer amounts, pass through bank server（7）Transferred accounts；Otherwise, balance amount prompting Deficiency, enter an item of expenditure in the accounts unsuccessfully；

Step16：Bank server（7）Entered an item of expenditure in the accounts including after the operation submitting an expense account and pay wages, transferring data to electronics branch Take server（3）；

Step17：Electronics draws server（3）The record that will enter an item of expenditure in the accounts is stored in data server（6）In；

Step18：Electronics draws server（3）To mobile phone terminal（1）Transmission, which is drawn, successfully to be instructed；

10. the cash in banks electronics according to claim 2 based on biological identification technology draws the operating method of system, its It is characterised by, the method that the enterprise bank deposit electronics draws system logout is implemented in the steps below：

Step1：Legal representative of enterprises is in mobile phone terminal（1）It is proposed to nullify application, and server is drawn to electronics（3）Transmission includes Information including legal representative of enterprises identity information, biological information, telephone number and company information；

Step2：Electronics draws server（3）Whether the information for judging to receive and the information locally preserved are consistent；

Step3：If consistent, to mobile phone terminal（1）Send instruction, it is desirable to which legal representative of enterprises is in mobile phone terminal（1）Input life Thing information password；Otherwise, user log off failure is prompted；

Step4：Legal representative of enterprises is in mobile phone terminal（1）Biological information password is inputted, and passes biological information password back electronics Draw server（3）；

Step5：Electronics draws server（3）Whether the biological information password for judging input and the biological information password that locally preserves Unanimously；

Step6：If consistent, electronics draws server（3）With data server（6）Communication, the business account of cancellation will be applied for Freeze, and notify mobile phone terminal（1）Delete its electronic account information；Otherwise, failure is nullified；

Step7：Legal representative of enterprises is whole in its mobile phone（1）Delete business-electronic accounts information in end；

Step8：Nullify and complete.