With the launch of a new generation of citizen ID card system in China, the inspection and verification of citizenship documents will become more accurate: the storage and inquiry of ID card information uses database and network technology, which can achieve fast query and identity nationwide. Identification, it is also possible to conduct a cross-check 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. The bank provides customers with safer and faster financial services, which makes it safer and more widely used for bank customers to open accounts, sell accounts, and deposit large amounts of money. Withdrawals, credit card business, credit business, and related applications that require identification. In view of the characteristics of machine-readable recognition for the second-generation ID card, our company has proposed three schemes according to the working methods of the banking business, in order to realize the bank's verification of the true identity of the customer and confirm the validity of the transaction: online mode (PC), portable Mode, terminal peripheral mode.
Online mode1.1 Working principle
The online mode means that the ID card reader and the PC are directly connected through the serial port or the USB port, the PC is loaded with the encryption mode reader driver software and the identity recognition application, and the application program IC information of the second generation ID card (citizen number, Name, gender, ethnicity, date of birth, address, issuing unit, date of issue, expiration date, photo) are transferred to the PC. Bank tellers can check whether the machine-readable information is consistent with the ID card printing information through the display of the PC; our company can also cooperate with the banking technology department to carry out value-added development of the identity application, so that the bank needs to identify the customer identity automatically. Confirmed and entered business. At the same time, it is also possible to 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: A network or counter for personal financial services.
Business types: overhead accounts, large withdrawals, credit card transactions, loan business, etc.
1.3 System structure diagram and physical map
Figure 1: Online mode system structure
Figure 2: Online mode system physical map
1.4 Features
Because it adopts an open platform system, it can flexibly integrate with existing multi-service systems, and has little impact on existing systems. At the same time, it can also improve the efficiency of tellers: documents that require manual input before can be completely automated software. to fulfill. In addition, the graphics system of the PC itself can clearly display the image information on the document.
2. Portable mode2.1 Working principle
By integrating the second-generation ID card reader with the reading display device, the reader will identify the ID information (citizen number, name, gender, ethnicity, date of birth, address, issuing unit, date of issue, expiration date, The photo is read out and then displayed on the screen of the reader, and the banker completes the identification work by viewing the information on the on-screen reader.
2.2 Scope of use
Computer environment: none;
Business environment: the location where the identification is performed is not fixed; the mobile office of the PC or the fixed terminal temporarily adopts the identification solution;
Business types: door-to-door collection, home delivery, overhead accounts, credit card non-online transactions, loan verification, etc.
2.3 System structure diagram and physical map
Figure 3: Portable mode system structure
Figure 4: Physical map of the portable mode system
2.4 Features
Because this method adopts a portable reading device, even in the case of complicated conditions, it is convenient to directly view the document information without any influence on the existing system, and the portable reading device can also realize the work of the mobile banking business.
If it is a temporary identification requirement, the scheme also has the advantages of small investment, no change to the original system, and immediate realization of the basic functions of identity recognition.
3. Terminal peripheral mode3.1 Working principle
Connect the ID card reader to the bank terminal directly through the serial port, and add a specific reader driver to the front-end machine. The front-end machine treats the reader as a peripheral of the terminal and adds it to the software of the front-end machine. Control the code of the reader, so as to read the document information (citizen number, name, gender, ethnicity, date of birth, address, issuing unit, date of issue, expiration date, photo) in the new ID card and display it in the terminal On the screen, the banking staff can complete the identification and data collection by viewing the information on the terminal screen. At the same time, the secondary development of the application can realize the automatic entry and verification of the ID information.
3.2 Scope of application
Computer environment: UNIX/LINUX is the front, and the terminal is the client.
Business environment: Applicable to bank outlets using terminal mode.
Business types: overhead accounts, large withdrawals, credit card transactions, loan business, etc.
3.3 Structure diagram
3.4 Features
Basically, the original banking operation is not changed. Only by adding an ID card reading device to the terminal, identity recognition and online data collection functions can be realized. At present, the bank's existing monochrome character terminal will perform poorly on the image information on the document.
Since this method requires partial modification of the bank front-end system, when installing the program, it is necessary to cooperate with the banking technology department for system embedded development and testing.
4. Benefits brought by the system(1) Eliminate problems such as identity forgery, protect the interests of the country and the people from harm, and provide customers with safer and faster financial services.
(2) Help the staff to accurately complete the identification of the authenticity of the ID card and the automatic entry of the ID information, which greatly improved the work efficiency, reduced the labor intensity, and realized the “labor to the science and technologyâ€.
(3) Greatly improved the level of informationization of banks and laid a solid foundation for the comprehensive informationization of banks in the future.
5. Relevant successful application cases(1) The four major banks in Beijing have been equipped with second-generation ID card readers.
(2) The four major banks in Guangzhou have already equipped the second-generation ID card reader.
6. ConclusionThe second generation ID card identification system independently developed by our company makes full use of the passive RFID technology adopted by the second generation ID card, which has the advantages of high efficiency, high accuracy and humanized operation interface. The operation and use of the system will greatly improve the accuracy of anti-counterfeiting work, improve the work efficiency of the field staff, reduce the labor intensity of the staff, and further improve the service level, and achieve a comprehensive upgrade of service mode, service efficiency and service quality. Win a higher and better reputation among customers.
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