Banking application solution for the second generation ID card recognition system
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Banking application solution for the second generation ID card recognition system
With the launch of a new generation of citizen ID system in my country, the inspection and verification of citizen ID will also become more accurate: the storage and query of ID information adopts database and network technology, which can realize rapid inquiry and identity nationwide. Identification can also be conducted on the Internet between the public security organs and various administrative departments, which will enable the sharing of resources across the country’s population information. One of the characteristics of the new ID card in the banking field is to eliminate identity forgery and other issues. Banks provide customers with safer and faster financial services, which are more secure and widely used in bank customers’ account opening, account cancellation, and large-value deposits. Withdrawal, credit card business, credit business and related applications that require identification. Aiming at the characteristics of the second-generation ID card for machine-readable recognition, our company proposes three solutions based on the working method of the banking business to enable the bank to verify the true identity of the customer and confirm the validity of the transaction: online mode (PC), portable Mode, terminal peripheral mode.
1. Online
1.1 Working principle
The online mode means that the ID card reader is directly connected to the PC through the serial port or USB port, and the encrypted reader driver software and identification application program are loaded on the PC. The application program will Name, gender, nationality, date of birth, address, issuing unit, date of issuance, expiration date, photo) are transferred to the PC. The bank teller can check whether the machine-readable information is consistent with the printed information of the ID card through the display of the PC; our company can also cooperate with the bank’s technology department in the value-added development of identity recognition applications, so as to automatically complete the bank’s need for customer identity recognition, Confirm and enter the business. At the same time, it can also provide secondary application development for the needs of the bank, such as saving, querying and indexing the identified user identity information.
1.2 Scope of application
Computer environment: suitable for PC/server running WINDOWS system.
Business environment: outlets or counters for personal financial services.
Business types: expense accounts, large withdrawals, credit card transactions, loan services, etc.
1.3 System structure diagram and physical diagram
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Figure 1: System structure diagram in online mode
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Figure 2: The physical picture of the online mode system
1.4 Features
Because it uses an open platform system, it can be flexibly integrated with a variety of existing business systems, with little impact on the existing system, and at the same time, it can also improve the efficiency of tellers: such as the previous manual input of credential information can be completely automated by software to realise. In addition, the PC’s own graphics system can clearly display the image information on the certificate.
2. Portable way
2.1 Working principle
By integrating the second-generation ID card reader with the reading display device, the ID card information (citizen ID number, name, gender, nationality, date of birth, address, issuing unit, date of issuance, expiration date of validity period, The photo) is read out, and then displayed on the screen of the reader. Banking staff complete the identification work by viewing the information on the reader on the screen.
2.2 Range of use
Computer environment: none;
Business environment: the place for identification is not fixed; the mobile office place of PC or fixed terminal adopts the solution of identification temporarily;
Business types: door-to-door collection, door-to-door delivery, expense accounts, off-line credit card transactions, loan verification, etc.
2.3 System structure diagram and physical diagram
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Figure 3: System structure diagram in portable mode
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Figure 4: Physical map of portable mode system
2.4 Features
Because this method uses a portable reading device, even under complex conditions, you can easily and directly view the document information without any impact on the existing system. Choosing a portable reading device can also realize the development of mobile banking services.
If used as a temporary identification requirement, this solution also has the advantages of small investment, without changing the original system, and realizing the basic functions of identification immediately.
3. Terminal peripheral mode
3.1 Working principle
Connect the ID card reader and the bank terminal directly through the serial port, add a specific reader driver to the front-end processor, that is, the front-end processor treats the reader as a peripheral of the terminal and adds it to the software of the front-end processor Control the code of the reader so that the document information (citizen ID number, name, gender, ethnicity, date of birth, address, issuing unit, issuing date, expiration date, photo) in the new ID card can be read and displayed on the terminal On the screen, banking personnel complete the identification and data collection work by viewing the information on the terminal screen; at the same time, the automatic entry and verification of ID card information can also be achieved through the secondary development of the application.
3.2 Scope of application
Computer environment: UNIX/LINUX is the front end, and the terminal is the client
Business environment: suitable for bank branches using terminal methods.
Business types: expense accounts, large withdrawals, credit card transactions, loan services, etc.
3.3 System structure diagram
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Figure 5: System structure diagram of terminal peripheral mode
3.4 Features
Basically, the original banking operations are not changed, but an ID card reader device is added to the terminal to realize the functions of identity recognition and online data collection. At present, banks’ existing monochrome character terminals will perform worse on the image information on the certificate.
Since this method requires a partial transformation of the bank’s front-end computer system, when installing this program, it is necessary to cooperate with the bank’s technology department to carry out system embedding development and testing.
4. Benefits of the system
(1) Eliminate problems such as identity forgery, safeguard the interests of the country and the people from harm; provide customers with safer and faster financial services.
(2) Help staff accurately complete other operations such as ID card authenticity identification and automatic entry of ID information, which greatly improves work efficiency, reduces labor intensity, and realizes “requiring labor from science and technology”.
(3) The informatization level of the bank has been greatly improved, laying a solid foundation for the comprehensive informatization of the bank in the future.
5. Related successful application cases
(1) The four major banks in Beijing have all been equipped with second-generation ID card readers.
(2) The four major banks in Guangzhou have all been equipped with second-generation ID card readers.
(3)……
6. Conclusion
The second-generation bank ID card recognition system independently developed by our company makes full use of the passive RFID technology used in the second-generation ID card, and has the advantages of high efficiency, high accuracy, and user-friendly operation interface. The operation and use of the system will greatly improve the accuracy of anti-counterfeiting work, improve the work efficiency of the on-site staff, reduce the labor intensity of the staff, and will further improve the service level, and realize the overall upgrade of service mode, service efficiency and service quality. To win a higher and better reputation among customers.
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