TWI729535B - System for using financial account to confirm identity and method thereof - Google Patents

Abstract

A system for using financial account to confirm identity and a method thereof are provided. By generating an application data by a client, receiving the application data from the client by a service server, transmitting an account data included in the application data form the service server to a financial server, verification the account data by the financial serve, and executing an application operation based on an operation data included in the application data by the service server after the account data is approved, the system and the method can complete identity verification without digital certificate, and can achieve the effect of increasing method of identity verification online.

Description

System and method for confirming user identity through financial account data

An identity confirmation system and method, in particular, a system and method for confirming user identity through financial account data.

In recent years, due to the rapid development of communications and network-related industries, people's demand for electronic and mobile services has increased. In the past, many businesses and services that needed to be on-site have been completed through the Internet. However, because some services are restricted by laws and regulations, you need to confirm your identity when applying for services, so you can only handle it at the counter, such as opening an account at a financial institution or applying for a new door number or porting service at a telecommunications institution.

Recently, with the loosening of laws and regulations, application tasks such as account opening and new door number and code portability are allowed to be completed online when the identity of the applicant can be confirmed through the Internet. At present, most of the methods of identity verification through the Internet are completed by using digital certificates such as natural person certificates or financial transaction certificates. Because there is a fee to apply for a digital certificate, most people who do not use a digital certificate often do not apply for a digital certificate. As a result, these people cannot enjoy the needs of completing an account or opening a new door number or carrying a code through the Internet. Confirmation of identity application work.

In summary, it can be seen that in the prior art, there has been a long-standing problem in the prior art that most people are unable to confirm their identities online by using digital certificates. Therefore, it is necessary to propose improved technical means to solve this problem.

In view of the problem in the prior art that most people cannot complete identity verification online because they do not have a digital certificate, the present invention discloses a system and method for confirming user identity through financial account data, in which:

The system for confirming user identity through financial account data disclosed in the present invention at least includes: a service server; a client terminal, used to generate application data, and used to send application data to the service server, where the application data includes account confirmation Data and operation data; financial server, used to receive account confirmation data from the service server, and used to verify the account confirmation data, and generate the verification result, and send the verification result to the service server, so that the service server can display the verification result When the account confirmation information is verified, the corresponding application is performed based on the work information.

The method for confirming user identity through financial account data disclosed in the present invention includes at least the following steps: the client generates application data, the application data includes account confirmation data and operation data; the client sends the application data to the service server; the service server Send the account confirmation data to the financial server; the financial server verifies the account confirmation data and generates the verification result, and sends the verification result to the service server; the service server responds according to the operation data when the verification result indicates that the account confirmation data is verified Apply for assignments.

The system and method disclosed in the present invention are as described above. The difference between the present invention and the prior art is that after obtaining the application data generated by the client through the service server, the present invention sends the account confirmation data in the application data to the financial server, so that the financial server The server verifies the account confirmation data to confirm the user's identity. After the account confirmation data is verified by the financial server, the service server completes the application based on the operation data in the application data, so as to solve the problems of the previous technology and achieve an increase in identity The technical effect of the method of confirmation.

In the following, the features and implementation of the present invention will be described in detail with the drawings and embodiments. The content is sufficient to enable any person familiar with the relevant art to easily and fully understand the technical means used by the present invention to solve the technical problems and implement them accordingly. The achievable effect of the present invention.

The present invention allows the user to complete the confirmation of the user's identity by pre-existing user data stored in other financial units when the user performs a specific operation that needs to be confirmed online. The above-mentioned specific tasks include but are not limited to online application for new phone numbers, code portability services, and digital account opening, etc.

In the following, the system structure diagram of confirming the user's identity through financial account data mentioned in the "Figure 1" of the present invention is used to illustrate the operation of the system of the present invention. As shown in "Figure 1", the system of the present invention includes a client 110, a service server 120, a financial server 130, and an additional telecommunication server 140. Among them, the client 110, the service server 120, the financial server 130, and the telecommunications server 140 are all computing devices.

The computing device mentioned in the present invention includes, but is not limited to, one or more processors, one or more memory modules, and components such as buses connecting different components (including memory modules and processors). Through the included multiple components, the computing device can load and execute the operating system, make the operating system run on the computing device, and can also execute software or programs. In addition, the computing device also includes a housing, and the above-mentioned components are arranged in the housing.

The bus of the computing device mentioned in the present invention may include one or more types, for example, including data bus, address bus, control bus, extended function bus ( expansion bus), and/or local bus (local bus). The bus of computing equipment includes, but is not limited to, parallel industry standard architecture (ISA) bus, peripheral component interconnect (PCI) bus, Video Electronics Standards Association (VESA) local bus, and serial universal serial bus (USB), PCI-E bus, etc.

The processor of the computing device provided by the present invention is coupled with the bus. The processor contains a register group or register space. The register group or register space can be completely set on the processing chip, or all or part of it can be set outside the processing chip and connected via a dedicated electrical connection. And/or coupled to the processor via the bus. The processor may be a processing unit, a microprocessor, or any suitable processing element. If the computing device is a multi-processor device, that is, the computing device includes multiple processors, the processors included in the computing device are all the same or similar, and they are coupled and communicated through a bus. The processor can interpret a series of multiple instructions to perform specific operations or operations, such as mathematical operations, logical operations, data comparison, copy/move data, etc., to run the operating system or execute various programs, modules, and/or element.

The processor of the computing device can be coupled to the chipset or electrically connected to the chipset through a bus. The chipset is composed of one or more integrated circuits (IC), including a memory controller and a peripheral input/output (I/O) controller, that is to say, the memory controller and the peripheral input/output controller can be included in In an integrated circuit, two or more integrated circuits can also be used. Chipsets usually provide I/O and memory management functions, as well as multiple general-purpose and/or special-purpose registers, timers, etc., among which the aforementioned general-purpose and/or special-purpose registers and timers can be coupled or One or more processors electrically connected to the chipset are accessed or used.

The processor of the computing device can also access the data in the memory module and the mass storage area installed on the computing device through the memory controller. The above-mentioned memory modules include any type of volatile memory (volatile memory) and/or non-volatile memory (NVRAM), such as static random access memory (SRAM), dynamic random access Memory (DRAM), flash memory (Flash), read-only memory (ROM), etc. The above-mentioned large-capacity storage area can include any type of storage device or storage medium, such as hard disk drives, optical discs, flash drives (flash memory), memory cards, and solid state disks (Solid State Disk, SSD), or any other storage device, etc. In other words, the memory controller can access data in static random access memory, dynamic random access memory, flash memory, hard disk drives, and solid state drives.

The processor of the computing device can also connect and communicate with peripheral output devices, peripheral input devices, communication interfaces, and GPS receivers and other peripheral devices or interfaces through the peripheral I/O bus through the peripheral I/O controller. The peripheral input device can be any type of input device, such as a keyboard, mouse, trackball, touchpad, joystick, etc. The peripheral output device can be any type of output device, such as a display, a printer, etc., a peripheral input device It can also be the same device as the peripheral output device, such as a touch screen. The communication interface can include a wireless communication interface and/or a wired communication interface. The wireless communication interface can include a mobile communication network that supports Wi-Fi, Zigbee and other wireless local area networks, Bluetooth, infrared, near field communication (NFC), 3G/4G/5G, etc. The wired communication interface can be an Ethernet device, Asynchronous Transfer Mode (ATM) device, DSL modem, cable modem, etc. The processor can periodically poll various peripheral devices and interfaces, so that the computing device can input and output data through various peripheral devices and interfaces, and can also communicate with another computing device having the above-described components.

The client 110 may be a computer, a mobile phone, a tablet, etc., but the present invention is not limited to this. The client 110 can connect to the service server 120 via a wireless network, and can send data or signals to the service server 120, and can also receive data or signals sent by the service server 120. Among them, the wireless network mentioned in the present invention includes, but is not limited to, wireless local area networks such as WiFi, and mobile communication networks such as 3G/4G.

The client 110 is responsible for generating application data, and is also responsible for sending the generated application data to the service server 120. The application data generated by the client 110 includes account confirmation data and operation data. Among them, the operation data can be provided to the service server 120 to complete the online application operation data, including the user's personal data, etc. Generally speaking, the operation data varies with the online application operation requested by the client 110 from the service server 120. different. Among them, the personal information mentioned in the present invention includes but is not limited to name, birthday, ID number, mobile phone number, address, email address, image of identity certification document, etc.

The account confirmation data may include the account information and confirmation data of the accounts of other financial institutions. For example, the client 110 may provide the user to input the applicant information provided when opening an account in another financial institution, and first provide the user with a financial card issued by the same financial institution (not shown in the figure) and provide user input Financial card password. After the financial card password is provided to the financial card for verification, the account information and code information provided by the financial card are received, so as to generate account confirmation data including applicant information, account information, and code information. , The applicant information and the deposit code information are confirmation data; the client 110 can also obtain account information and identification data, and generate account confirmation data including the account information and identification data. In this case, the identification data is the confirmation data; the client 110 also You can obtain account data, identification data, and license tokens, and generate account confirmation data that includes account data, identification data, and license tokens. At this time, the identification data and license tokens are confirmation data. Among them, the above-mentioned applicant information is the name, date of birth, graduation school and other data items; the above-mentioned identification information is the ID card number, passport number and other data sufficient to identify the user.

The service server 120 can provide the client 110 to connect via a wireless network, and can also connect to the financial server 130 via a wired or wireless network. In this way, the service server 120 can send data or signals to the client 110/financial server 130, and can also receive data or signals sent by the client 110/financial server 130. For example, the service server 120 can receive the application data sent by the client 110, and can send the account confirmation data contained in the application data to the financial server 130, and can also receive the verification result returned by the financial server 130.

The service server 120 may provide services for the client 110 to use. In some embodiments, the service server 120 may include two or more electrically connected computing devices. Each computing device included in the service server 120 has one or more functions provided by the service server 120; the computing devices can transmit data or signals to each other through wired or wireless networks, but they are not necessarily located in the same place .

The service server 120 is also responsible for performing corresponding application operations based on the operation data in the application data received from the client 110 when the verification result received from the financial server 130 indicates that the account confirmation data is verified. If the verification result indicates that the account confirmation data has not been verified, the service server 120 may generate an error message, and may send the generated error message back to the client 110.

The financial server 130 may be connected to the service server 120 through a wired or wireless network, and may also be connected to the client 110 through a wireless network. In this way, the financial server 130 can send data or signals to the service server 120/client 110, and can also receive data or signals sent by the service server 120/client 110. For example, the financial server 130 may receive the account confirmation data from the service server 120, and may also send the generated verification result to the service server 120.

The financial server 130 is also responsible for verifying the received account confirmation data. In more detail, when the account confirmation information includes applicant information, account information, and code information, the financial server 130 can check the code information based on the account data, and can read the code information based on the account data when the code information passes the check. Take the holder information provided by the corresponding account holder when opening the account, and compare whether the applicant information and the corresponding information items in the holder information are the same to verify the account confirmation information; and when the account verification information When the account data, identification data, and license tokens are included, the financial server 130 can first read the ID card number provided by the corresponding account holder when opening the account based on the account data, and then compare the identification data with the readout To confirm whether the account data and identification data correspond to each other, and when confirming that the account data corresponds to the identification data, read the door kept by the holder of the account corresponding to the account data based on the account data or identification data. And send identification data, license tokens, and read door number data to the telecommunication server 140, so as to verify the account confirmation data through the telecommunication server 140; and if the account verification data includes account data and identification data, the financial server The device 130 can also first confirm whether the account data and identification data correspond to each other according to the above, and when confirming that the account data corresponds to the identification data, read the door saved by the holder of the account corresponding to the account data based on the account data or identification data. According to the read door number data, the verification data is sent to the client 110, and the response data sent by the client 110 is received, and the verification data and the response data are compared to verify the account verification data. Wherein, the verification data sent by the financial server 130 is usually generated by arbitrary arrangement of any number of letters or numbers, and is time-sensitive, such as a one-time password, but the present invention is not limited to this.

The financial server 130 is also responsible for generating the verification result of the account verification data. That is to say, the financial server 130 can generate a verification result indicating that the account confirmation data has not been verified when the account confirmation data has not been verified, and can also generate a verification result indicating that the account confirmation data has passed the verification when the account confirmation data has been verified.

The telecommunication server 140 can be connected to the financial server 130 via a wired or wireless network, and can also be connected to the client 110 via a mobile communication network. In this way, the telecommunication server 140 can send data or signals to the financial server 130/client 110, and can also receive data or signals sent by the financial server 130/client 110. For example, the telecommunication server 140 can receive the identification data and the house number data sent by the financial server 130.

The telecommunication server 140 can verify the received identification data and house number data to generate a verification result. In more detail, the telecommunication server 140 can determine whether there is a piece of data in the pre-stored data that includes the received identification data and door number data. If there is a piece of data including identification data and door number data in the data stored in the telecommunication server 140, the telecommunication server 140 can generate a verification result that passes the verification. On the contrary, if there is no data in the data stored in the telecommunication server 140 If the identification data and the door number data are included at the same time, the telecommunication server 140 can generate a verification result that fails the verification.

The telecommunications server 140 can also receive the mobile communication signal transmitted by the client 110 and generate a license token, and can also send the generated license token back to the client 110. The license token generated by the telecommunication server 140 is time-sensitive, and is usually formed by arbitrarily arranging a certain number of letters, numbers, and symbols, for example, data generated by a specific encoding method such as a hash operation on specific data. Among them, the above The specific data includes, but is not limited to, the device identification data of the client 110, the birthday of the user of the client 110 read based on the device identification data of the client 110, the server identification data of the telecommunication server 140, and/or the timestamp Etc., the present invention is not particularly limited. When a specific material contains two or more items, the various items can be arranged in a predetermined order or position. In addition, the device identification data mentioned in the present invention includes but is not limited to the door number used by the client 110, the card number of the SIM card installed in the client 110, the serial number of the client 110, etc.; the server identification data includes but is not limited to The serial number, network address, network card number of the telecommunications server 140, the serial number of a certain hardware component included in the telecommunications server 140, etc.

The telecommunication server 140 may also receive the license token sent by the financial server 130, and may determine whether the received license token is generated by the telecommunication server 140 itself. When the licensed token is not sent by the telecommunication server 140, or the trusted object is not sent to the client 110, the telecommunication server 140 may generate a verification result that fails the verification. Conversely, the telecommunication server 140 may include a piece of data including identification data and door number data in the stored data, and only when the license token is sent by the telecommunication server 140 to the client 110, the verification result that passes the verification will be generated.

Next, the first embodiment is used to explain the operating system and method of the present invention, and please refer to "Figure 2A" for the flow chart of the method of confirming the user's identity through financial account data in the present invention.

After the user operates the client 110 to connect to the service server 120, the user can operate the client 110 to perform the application operations provided by the service server 120. When the user operates the application operation performed by the client 110, the service server 120 may request the client 110 to provide application information. In this embodiment, it is assumed that the application operation can be online application for a house number, online application for porting a code, or online account opening, etc.

The client 110 may generate the application information required by the service server 120 when the service server 120 requests to provide application information (step 210). In this embodiment, if the client 110 is a computing device such as a computer that can be connected to a card reader through a connection interface such as USB, the client 110 can provide the user to input the name, Applicant's information such as birthday (step 2121) can also be provided for the user to use a card reader to connect the client 110 to the financial card, and provide the user to enter the financial card password, so as to drive the financial card to return the user's account information and security code Message (step 2123), and then generate account confirmation data that includes the applicant information entered by the user, and the account information and betting information returned by the financial card (step 2127); and if the client 110 is a smart phone, etc. Device, as shown in "Figure 2C" or "Figure 2D", the client 110 can also provide the user to enter account data and ID number (identification data) (step 2133), and generate account data and identification data Confirm your account information (step 2137). In addition, in addition to generating account confirmation data, the client 110 may also provide user input operation data to generate application data including account confirmation data and operation data.

After the client 110 generates the application data, it can send the generated application data to the service server 120. After receiving the application data sent by the client 110, the service server 120 can confirm the account contained in the application data. The data is sent to the financial server 130 (step 220). In this embodiment, after the service server 120 receives the application data sent by the client 110, the service server 120 can read the account confirmation data and the operation data from the received application data, and can read the application data according to the received application data. The confirmation data in the account confirmation data is the applicant data and the code message or identification data. Choose the corresponding connection method, and use the corresponding connection interface provided by the financial server 130 to connect the account according to the selected connection method. The confirmation data is sent to the financial server 130.

After the financial server 130 receives the account confirmation data sent by the service server 120, the financial server 130 can verify the received account confirmation data (step 230), and can generate a corresponding verification result after the verification.

In this embodiment, if the account confirmation data received by the financial server 130 includes applicant information, account information, and pledge information, the financial server 130 can be based on the account data as shown in the process shown in "Figure 2B" Check the bet information (step 2321), and after it is judged that the bet information passes the check (step 2325), read the holder's information based on the account data, and compare whether the holder's information is the same as the applicant's information (step 2325) 2327) to verify the account confirmation information. When the holder's information is consistent with the applicant's information, for example, when the holder's information is consistent with the name and birthday in the applicant's information, the financial server 130 can generate a verification result indicating that the account confirmation information has been verified, and vice versa. When there is any difference between the holder data and the applicant data, the financial server 130 can generate a verification result that the account confirmation data has not passed the verification.

If the account confirmation data received by the financial server 130 includes account information and ID number (identification data), the financial server 130 can first confirm whether the account data and identification data are shown in the process shown in Figure 2C. Correspondence (step 2331), that is, confirm whether the ID number of the holder read out based on the account information is the same as the received ID number. If not, the financial server 130 can generate account confirmation that the information is not verified The verification result. When the account data corresponds to the identification data, the financial server 130 can read the holder's door number data according to the account data or identification data (step 2333), and can generate a one-time password as the verification data, and then according to the read The outgoing door number data sends the verification data to the client 110 (step 2335). After that, the financial server 130 can wait to receive the response data sent by the client 110, and the financial server 130 receives the data sent by the client 110 After the response data (step 2337), the financial server 130 can compare whether the received response data is the same as the verification data, so as to verify the account confirmation data (step 2339). When the response data is the same as the verification data, the financial server 130 may generate a verification result that the account confirmation data has passed the verification, and vice versa, the financial server 130 may generate a verification result that the account verification data has not passed the verification.

Returning to "Figure 2A", after the financial server 130 generates the verification result, the generated verification result can be transmitted to the service server 120 (step 240). After receiving the verification result sent by the financial server 130, the service server 120 can determine whether the received verification result indicates that the account confirmation data has been verified. If not, the service server 120 can refuse to perform the application operation requested by the client 110, and can generate an error message, and send the generated error message back to the client 110 for display; if the verification result indicates that the account confirmation data has been verified, Then, the service server 120 can execute the application operation requested by the client 110 according to the operation data in the application data received from the client 110 (step 250). In this embodiment, it is to perform application operations such as online application for door number, online application for portability, or online account opening.

In this way, through the present invention, the service server 120 can verify the account confirmation data provided by the client 110 through the third-party financial server 130, so as to execute the request of the client 110 on the premise that the data provided by the client 110 is verified. Application homework.

In the above-mentioned embodiment, when the client 110 generates the application data (step 210), as shown in the flow of "Figure 2D", the client 110 can first connect to the telecommunications server 140 through the mobile communication network, and obtain the telecommunications The license token issued by the server 140 can obtain account information and identification data (step 2143) in the manner described in the above embodiment, so as to generate account confirmation data including account data, identification data, and license token (step 2147), Then, the application data is generated. After that, the client 110 can send the generated application data to the service server 120, and the service server 120 can send the account confirmation data in the application data to the financial server 130 (step 220).

When the financial server 130 verifies the account confirmation data (step 230), as shown in the process shown in "Figure 2D", the financial server 130 can first confirm whether the account data corresponds to the identification data (step 2341), which is the basis for confirmation Whether the ID number of the holder read by the account data is the same as the received ID number, if not, the financial server 130 can generate a verification result that the account confirmation data has not passed the verification. And if the account data corresponds to the identification data, the financial server 130 can read out the holder’s number data based on the account data or identification data (step 2343), and can send the identification data, license tokens, and door number data to The telecommunications server 140 may then perform verification through the telecommunications server 140 (step 2347), and may return the verification result returned by the telecommunications server 140 to the service server 120.

Among them, after the telecommunications server 140 receives the identification data, the license token, and the house number data, the telecommunications server 140 can determine whether there is a piece of data in the stored data that contains the received identification data and the house number data, and can It is determined whether the permission token is issued by the telecommunication server 140 itself. If the data stored in the telecommunications server 140 contains data including identification data and door number data, and the license token is issued by the telecommunications server 140, the telecommunications server 140 can generate a verification result that passes the verification. On the contrary, if the telecommunications server 140 If the data stored in the server 140 does not contain both identification data and door number data, or the license token is not sent by the telecommunication server 140, the telecommunication server 140 may generate a verification result that fails the verification.

In summary, it can be seen that the difference between the present invention and the prior art is that after the service server obtains the application data generated by the client, the account confirmation data in the application data is sent to the financial server, so that the financial server can verify the account confirmation The data is used to confirm the identity of the user. After the account confirmation data is verified by the financial server, the service server completes the technical means of the application based on the operation data in the application data. This technical means can solve the online confirmation of the previous technology Most of the identity methods use digital certificates to solve the problem that most people cannot confirm their identities online, thereby achieving the technical effect of increasing the ways of confirming their identities.

Furthermore, the method of confirming user identity through financial account data of the present invention can be implemented in hardware, software, or a combination of hardware and software, and can also be implemented in a centralized manner in a computer system or distributed in a number of different components. Realization of a decentralized way of interconnected computer systems.

Although the embodiments of the present invention are disclosed as above, the content described is not intended to directly limit the scope of patent protection of the present invention. Any person with ordinary knowledge in the technical field to which the present invention belongs, without departing from the spirit and scope of the present invention, makes slight modifications to the form and details of the implementation of the present invention, all belong to the patent protection of the present invention. range. The scope of patent protection of the present invention shall still be determined by the scope of the attached patent application.

110 Client 120 Service server 130 Financial server 140 Telecom server Step 210 The client generates application data, which includes account confirmation data and operation data Step 2121 The client provides input of applicant information Step 2123 The client connects to the financial card and receives the account information and code information provided by the financial card Step 2127 The client generates account confirmation information including applicant information, account information, and code information Step 2133 The client obtains account information and identification information Step 2137 The client generates account confirmation data containing account data and identification data Step 2143 The client obtains account information, identification information, and license tokens Step 2147 The client generates account confirmation data including account data, identification data, and license tokens Step 220 The client sends the application data to the service server, and the service server sends the account confirmation data to the financial server Step 230 The financial server verifies the account confirmation data Step 2321 The financial server checks the coded message based on the account data Step 2325 The financial server judges whether the coded message has passed the check Step 2327 The financial server reads the holder's information based on the financial account number, and compares the holder's information with the applicant's information Step 2331 The financial server confirms whether the account data and identification data correspond Step 2333 The financial server reads the house number data based on the account data or identification data Step 2335 The financial server sends the verification data to the client according to the door number data Step 2337 The financial server receives the response data sent by the client Step 2339 The financial server compares the verification data and the response data to verify the account confirmation data Step 2341 The financial server confirms whether the account data and identification data correspond Step 2343 The financial server reads the house number data based on the account data or identification data Step 2347 The financial server sends identification data, license tokens, and door number data to the verification server for verification Step 240 The financial server generates the verification result and sends the verification result to the service server Step 250 When the verification result indicates that the account confirmation data has passed the verification, the service server performs the corresponding application based on the operation data

Figure 1 is a diagram of the system architecture for confirming user identity through financial account data according to the present invention. Figure 2A is a flow chart of the method for confirming user identity through financial account data according to the present invention. Figure 2B is a flowchart of the method for using a financial card to confirm the identity of an applicant according to an embodiment of the present invention. Figure 2C is a flow chart of a method for confirming the identity of an applicant using a one-time SMS password according to an embodiment of the present invention. Figure 2D is a flowchart of a method for using a mobile device to confirm the identity of an applicant according to an embodiment of the present invention.

Step 210 The client generates application data, which includes account confirmation data and operation data Step 220 The client sends the application data to the service server, and the service server sends the account confirmation data to the financial server Step 230 The financial server verifies the account confirmation data Step 240 The financial server generates the verification result and sends the verification result to the service server Step 250 When the verification result indicates that the account confirmation data has passed the verification, the service server performs the corresponding application based on the operation data

Claims (10)

A system for confirming user identity through financial account data. The system at least includes: a client for generating an application data, wherein the application data includes an account confirmation data and an operation data; a service server for Receiving the application data; and a financial server for receiving the account confirmation data sent by the service server, and reading a holder data or a door number data based on the account confirmation data, and according to the holder The data or the door number data verifies the account confirmation data to generate a verification result, and is used to send the verification result to the service server, so that the service server based on the operation when the verification result indicates that the account confirmation data is verified The data is used for corresponding application operations. For example, the system for confirming the user's identity through financial account data as described in item 1 of the scope of patent application, in which the client is provided to input an applicant's information, connect to a financial card, and receive an account information and an account information provided by the financial card. The betting information is used to generate the account confirmation data including the applicant information, the account information, and the betting information; the financial server checks the betting information based on the account data, and the financial server relies on the The account information reads a holder's information, and compares the holder's information with the applicant's information to verify the account confirmation information. For example, the system for confirming the user's identity through financial account data as described in item 1 of the scope of patent application, in which the client obtains an account data, an identification data, and a license token, and generates the account data, the identification Data, and the account confirmation data of the license token; the financial server confirms whether the account data and the identification data correspond to each other, and reads a number data based on the account data or the identification data, and transmits the identification data, the identification data Permit the token and the door number data to a telecommunication server, so as to verify the account confirmation data through the telecommunication server. For example, the system for confirming user identity through financial account data as described in item 1 of the scope of patent application, in which the client obtains an account data and an identification data, and generates the account confirmation including the account data and the identification data Data; the financial server confirms whether the account data and the identification data correspond, and reads a number data based on the account data or the identification data, sends a verification data to the client according to the number data, and receives the client The terminal sends a response data, and compares the verification data with the response data to verify the account verification data. For example, the system for verifying the user's identity through financial account data as described in item 1 of the scope of patent application, wherein the financial server is used to generate the verification result indicating that the application data has not been verified when the account verification data fails to pass the verification ; And used to generate the verification result indicating that the application information is verified when the account confirmation information is verified. A method for confirming user identity through financial account data. The method includes at least the following steps: a client generates an application data, the application data includes an account confirmation data and an operation data; the client sends the application data to a service Server; the service server sends the account confirmation data to a financial server; the financial server reads a holder data or a door number data according to the account confirmation data; the financial server reads a holder data or a house number data according to the holder data or The account number data verifies the account confirmation data, and generates a verification result, and sends the verification result to the service server; and the service server performs operations based on the operation data when the verification result indicates that the account confirmation data is verified Corresponding to the application homework. For example, the method for confirming the user's identity through financial account data as described in item 6 of the scope of patent application, wherein the step of generating the application data by the client includes the client providing input of an applicant data, connecting a financial card and receiving the financial An account data and a bet code message provided by the card, and the account confirmation data that contains the applicant's information, the account data, and the bet code message are generated; the steps of the financial server to verify the account confirmation data include the financial The server checks the betting information based on the account data, and the financial server reads a holder's data based on the account data, and compares the holder's data with the applicant's data. For example, the method of confirming the user's identity through financial account data as described in item 6 of the scope of patent application, wherein the step of generating the application data by the client includes obtaining an account data, an identification data, and a license token, and Generate the account confirmation data including the account data, the identification data, and the license token; the step of verifying the account confirmation data by the financial server includes the financial server confirming whether the account data and the identification data correspond, and the basis The account data or the identification data reads a door number data, and the identification data, the license token, and the door number data are sent to a telecommunication server for verification. For example, the method for confirming the user's identity through financial account data as described in item 6 of the scope of patent application, wherein the step of generating the application data by the client includes the client obtaining an account data and an identification data, and generating the account that contains the account Data and the identification data of the account confirmation data; the steps of the financial server verifying the account confirmation data include the financial server confirming whether the account data and the identification data correspond, and reading a door based on the account data or the identification data According to the number data, a verification data is sent to the client, and a response data sent by the client is received, and the verification data and the response data are compared to verify the account verification data. For example, the method of verifying user identity through financial account data described in item 6 of the scope of patent application, wherein the step of generating the verification result by the financial server is that when the account verification data fails to pass the verification, the financial server generates The verification result that the application data fails to pass the verification; and when the account confirmation data is verified, the verification result indicating that the application data is verified is generated.

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