Although our country from April 1, 2000 began to adopt a deposit real names, but because of the verification system is not perfect, so real-name system has not fully implemented. With the verification of financial information and networking systems to further develop a sound, a phenomenon that will gradually improve.
ID card verification system interconnection diagram
Guangdong Shantou depositors of a bank passbook switching Zengyin cheated away large sums of money, crooks is to use a fake ID to open a similar name books, and the implementation of fraud. In this regard, Bank staff made it clear that: "Banks can not verify the authenticity of identity documents, ID cards can only check whether the photos and I am consistent. Documents to the public security organs to identify true and false. Moreover, as technology is so advanced, many things can be taken as real, if not the public security organs specialized department identification, then the naked eye is difficult to distinguish a fake ID. "
Bank staff, explaining the difficulties. Indeed, if the naked eye alone to judge the photos and documents whether the match is very difficult to determine document is true even more difficult. Difficult to implement real-name system, a fundamental reason for this is, including bank employees, including regular staff do not have a reliable way to ascertain the authenticity of identity documents.
Why become virtual real name
This year in July, Bank of China, Ministry of Public Security held a joint press conference announced: China's banking sector online verification of citizenship information system was completed and put into operation. Verification is the so-called networking, banking institutions through the online verification system for verification of citizenship information to verify customer identity card presented by the record name, civil identity number, photograph and information such as the issue of authenticity of acts of organs. The completion of the system, marking the Chinese banking financial institutions, real-name system has taken a historic step.
In fact, as early as 2000, China began to implement real-name system. From 2000 to 2006, formulated and promulgated a series of relevant laws and regulations. Implement real-name system for bank accounts is the bank as a legal obligation, but also enterprises and the public of a legal obligation.
However, despite the system's constraints, but the real name system not fully implemented, but also the lack of an effective support system. As has been the lack of checking, verification of equipment or system, so the real-name system has been in a nominal position, the system has not really implemented, it also led to the virtual real-name system has changed. We must change this situation, we must help the banks to establish the authenticity of identity documents identify the system.
Readers VS. Online verification
Information Engineering, Beijing Chi wave launched two ways to help the banking industry to establish this system. One is by way of second-generation ID card reader that uses a single second-generation ID card reader connected device, the second generation of customer ID card holders are input and review. Another method is to use interfaces coupled manner, holding ID card for business customers, can be used directly in the bank teller machine verification for business processing, and direct links with the banking system, inquiries, direct calls to the People's Bank of verification message switching platform interface verification. According to the present use of the actual situation of banks on the whole, while some use the units sometimes used in combination in two ways.
Can be seen from the comparison of two identity verification methods great deal of diversity. However, the unity of the People's Bank in accordance with the requirements of each bank must be connected to the outlets of the People's Bank of identity verification platform, use ID card reader banking institutions therefore become a better complementary way.
However, according to the actual situation of China's banking sector, the implementation of interfaces to link all the way still more difficult. In particular, there are a few remote areas of our country's rural credit cooperatives due to their own technical conditions for the time being could not access online verification system. People's Bank requirements, and about 155,300 banking outlets of access to the system, online verification system for banks to achieve network coverage of 85% or more.
Seamless to ensure their success
Online verification platform to share information platform mainly by the Ministry of Public Security and People's Bank of message switching platform, composed of two parts. Ministry of Public Security of information sharing platform, the Ministry of Public Security set up their production systems isolated from information sharing platform, on a regular basis in its production system of citizenship information into information-sharing platform. The platform receives the information platform for the People's Bank issued a verification request, and feedback on the verification results. Followed by the People's Bank of message switching platform. The platform interface mode information sharing platform to connect with the Ministry of Public Security, Ministry of Public Security forwarded to the People's Bank branch and request verification issued by banking institutions, the Public Security Ministry to receive and transmit information-sharing platform for the verification results.
The main platform for this network has the verification function, feedback function, statistical functions and system management functions of the four functions. Verification functions, including check function and query functions, which check the function of specific volume, including single check and check in two ways. Single check of the specific process is as follows: Users in the People's Bank of adapter platform or their own business systems to one or more input terminal (<= 5) customer identity cards issued to documented citizenship number and name, by the People's Bank Information switching platform will be sent to the Ministry of Public Security verification of the information platform for information sharing, information sharing platform by the Ministry of Public Security of information verification, and check the results returned to the People's Bank of switching platforms. If citizenship submitted with the Ministry of Public Security number and name information sharing platform for the information stored in exactly the same, then return to "citizenship the same number and the name" message and the name of the original entry, the original entry identification number, photograph and issuing authority; if citizen identification number corresponding to the name exists but does not match, returns "number of citizenship exists, but does not match with the name" prompt, and the original input name, the original entry identification number; If the citizen identification number in the database in the Ministry of Public Security Information Sharing Platform does not exist, then return to "civil identification number does not exist" message, and the original input name, the original entry identification number.
Feedback function is, when the online verification results to differ or results of the verification in doubt, the user can question the data switching platform through the people's bank information submitted to the Ministry of Public Security of information sharing platform, the public security department for further verification.
Statistical function is the People's Bank of message switching platform to verify statistical network traffic and the number of users and other information.
System management is the People's Bank of message switching platform to provide user settings, log management, system management functions.
Chi wave online verification system for seamless docking with and banking features: first of all banking transactions to achieve with the system interface, improve teller efficiency, avoid "outside the customer queue counter, teller cabinet line up" phenomenon; secondly, not to change the bank is a hardware device, from a character terminal, WIN terminal and PC, using a variety of operating environments, from the system interface to achieve its business functions. Also a simple system with flexible software and hardware platform architecture, able to adapt to existing production environment banks; the same time for the banking system verification archive management system has been verified for the bank to establish an archive database customers, improve customer identity verification has been archived efficiency for commercial banks to provide customer management information system more accurate and authoritative, based on customer-centric data. Blog real name, mobile phone real name, purchase real name, real name ... ... because the savings can reduce the difficulty and risk management, real-name system has been recognized institutions such as banks, but in practice is not so easy thing.
Comparison of two kinds of identity verification methods