The Design And Implementation Of The Authentication System For Bank Custormer

The real-name system of bank accounts is an important financial institution of our country. The implementation of real-name system of bank accounts is a legal obligation of banking institutions. For a long time, due to the general lack of effective means of banking institutions to identify the authenticity of personal identification documents, it is difficult for individual identity verification. So, it is occurred that criminals use false identity documents to open fake accounts, fake loans and other phenomena.To resolve this problem, People’s Bank of China and Ministry of Public Security built to run the online verification of citizenship information system(referred to as online verification system),and requires all bank branches to access the system within the deadline.But int the actual construction and operation of the process, due to the limitations of various factors,banks always can not access the online verification system easily and fast. This led to an urgent need for a banking institution to help access the system and customize to meet a variety of complex needs.Bank customer authentication system combines the provincial banking institutions for online verification actual business needs, optimize the entire process online verification to achieve a high-volume, automated, multi-channel online verification solutions that really make the banking institutions to achieve a rapid and convenient the online verification operation, greatly improving the efficiency of the teller to conduct business. In addition to basic online verification feature, the system also enables customer identity verification information and networking of information stored locally, query, statistics and analysis of financial institutions to facilitate unified supervision and management of the verification work of the various outlets; Through the second generation ID card reader machines to identify the authenticity of the customer identification, to eliminate the source of a false identity documents, reducing financial risks; achieve a customer identification data and transaction records retention and verification in order to establish a network emergency mechanism when a network failure prevents initiate online verification, the verification can be carried out locally according to the local database, and other networking network recovery and re-verification, enable banks to transact business.The system has been formally launched in the Shandong Union of the city, and Shandong, Anhui, Sichuan, Yunnan, Jilin, Shanxi and other places of rural credit cooperatives. From the actual results, the system can well meet the needs of online verification of banking institutions, adapt to the complex hardware and software environment and solve problems encountered in a variety of online verification.