A kind of information processing method and system, Information Authentication method and apparatusTechnical field
The present invention relates to communication technical field, more particularly to a kind of information processing method and system, information are testedCard method and apparatus.
Background technology
User needs to open an account with the bank at present, it is necessary to need Qian Qu bank outlets to go to handle the business of opening an account.In silverIt is comparatively laborious that the process of the business of opening an account is handled in row site, and general user Xian Yaoqu bank outlets business hall takesNumber queue up, be then filled out data, finally go sales counter to handle etc..
It can be seen that, current bank outlets handle the mode opened an account under the business of opening an account, i.e. line, for a user,There is complex operation, lose time, experience poor；Exist for bank and waste substantial amounts of manpowerThe problem of resource, inefficiency of opening an account.
With the increasingly maturation of network technical development, there are some banks to propose the concept opened an account on line,To solve brought series of problems of opening an account under line；Open an account on line and refer to user and need not remove bank's netPoint handles the business of opening an account, and server that only need to be by terminal (such as mobile phone or computer) with bank enters line numberThe business of opening an account is handled according to interaction.It can be seen that, open an account on line can so that user easily handles the business of opening an account,Substantial amounts of human resourcess can also be saved for bank, and the efficiency that bank handles the business of opening an account can be lifted.
However, bank wants to realize opening an account on line, its greatest problem for facing is：How to identify that user passesWhether defeated identity information is real, if bank is opened to user in the case where identity information is falsenessFamily, then may result in a series of problem, such as financial market is chaotic, provide convenient etc. to economic crime.
Therefore, the how technical problem of the verity of identifying user identity information, needs urgently to be resolved.
The content of the invention
It is an object of the invention to provide a kind of information processing method and system, Information Authentication method and apparatus,To solve the how technical problem of the verity of identifying user identity information.
In order to solve above-mentioned technical problem, the invention provides following technical scheme：
The embodiment provides a kind of Information Authentication method, comprises the steps：
The information verification request that the webserver sends is received, described information checking request carries the first of userIdentity information, and sent after the account opening request for receiving the user by the webserver；
Second identity information of the user of network data platform storage is obtained, second identity information isThrough the identity information of the network data platform real-name authentication；
First identity information is verified according to second identity information, to obtain the result；And
The result is sent to into the webserver, so that the webserver is tested according to describedCard result is processed to the account opening request.
The present invention Information Authentication method in, it is described according to second identity information to first identityInformation verified, is included the step of to obtain the result：
First identity information is compared with second identity information, to determine first identityWhether information is identical with second identity information；
When first identity information is identical with second identity information, then judge to first identityInformation Authentication passes through；
When first identity information is differed with second identity information, then judge to first bodyPart Information Authentication does not pass through.
In the Information Authentication method of the present invention, the of the user for obtaining the storage of network data platformThe step of two identity informations, includes：
The authentication information that the network data platform authorizes the user is obtained, the authentication information is used to log inThe network data platform；
The authentication information is verified；
If passing through to authentication information verification, obtain the user's of its storage from network data platformSecond identity information.
In the Information Authentication method of the present invention, in the case of being to be verified in the result, in instituteState before the result is sent to the webserver；Described information verification method also includes：
Send first terminal of the checking information to the user；
Receive the checking information of the second terminal feedback of the user, the second terminal and the first terminalFor identical or different terminal；
The checking information of transmission is compared with the checking information for receiving, with determine the checking information of transmission withWhether the checking information of reception is identical；
If identical, the result is sent to into the webserver.
In the Information Authentication method of the present invention, the transmission checking information is to the corresponding terminal of the userStep includes：
Obtain the corresponding communications identification of the user of the network data platform storage；
Checking information is sent to the first terminal according to the communications identification.
Embodiments of the invention additionally provide a kind of information processing method, comprise the steps：
The account opening request that receiving terminal sends, the account opening request carry first identity information of user；
Information verification request, described information checking request are sent to network data platform according to the account opening requestCarry first identity information of the user；
The result that receiving network data platform is returned according to described information checking request, the resultFirst identity information is verified according to the second identity information and obtained by network data platform, it is describedSecond identity information is the identity information through the network data platform real-name authentication；
If the result is processed to the account opening request to be verified；
If the result does not pass through for checking, refuse to process the account opening request.
In the information processing method of the present invention, if the result is in the case of being verified, andBefore processing to the account opening request, described information processing method also includes：
Obtain the collage-credit data of the user；
Judge according to the collage-credit data whether the credit of the user meets default credit term；
If meeting default credit term, the account opening request is processed.
It is in the information processing method of the present invention, described to include the step of process to account opening request：
An accounts information is generated, and account information is bound with first identity information；
The accounts information is sent to into the terminal.
Embodiments of the invention additionally provide a kind of Information Authentication device, including：First receiver module, acquisitionModule, authentication module and the first sending module；
First receiver module, for receiving the information verification request of webserver transmission, described informationChecking request carries first identity information of user, and is receiving the user's by the webserverSend after account opening request；
The acquisition module, for obtaining second identity information of the user of network data platform storage,Second identity information is the identity information through the network data platform real-name authentication；
Authentication module, for being verified to first identity information according to second identity information；
First sending module, for the result of the authentication module is sent to the network serviceDevice, so that the webserver is processed to the account opening request according to the result.
In the Information Authentication device of the present invention, the authentication module, specifically for：
First identity information is compared with second identity information, to determine first identityWhether information is identical with second identity information；
When first identity information is identical with second identity information, then judge to first identityInformation Authentication passes through；
When first identity information is matched with second identity information to be differed, then judge to describedOne identity Information Authentication does not pass through.
In the Information Authentication device of the present invention, the acquisition module includes：Authentication information acquisition submodule,Verification submodule and identity information acquisition submodule；
The authentication information acquisition submodule, authorizes the mirror of the user for obtaining the network data platformPower information, the authentication information are used to log in the network data platform；
The verification submodule, for verifying to the authentication information；
The identity information acquisition submodule, for logical to authentication information verification in the verification submoduleIn the case of crossing, second identity information of the user of its storage is obtained from the network data platform.
In the Information Authentication device of the present invention, described information checking device also includes：Second sending module,Second receiver module and comparison module；
Second sending module, for sending first terminal of the checking information to the user；
Second receiver module, the checking information that the second terminal for receiving the user is fed back are describedFirst terminal is terminal that is identical or differing with the second terminal；
The comparison module, for the checking information of transmission is compared with the checking information for receiving, with trueWhether the fixed checking information for sending is identical with the checking information for receiving；
First sending module, for be verified and described in the result of the authentication moduleWhen comparison module determines that the checking information for sending is identical with the checking information of reception, by testing for the authentication moduleCard result is sent to the webserver.
Embodiments of the invention additionally provide a kind of information processor, including：First receiver module, transmissionModule, the second receiver module and processing module of opening an account；
First receiver module, for the account opening request that receiving terminal sends, the account opening request is carried to be usedFirst identity information at family；
The sending module, please for sending Information Authentication to network data platform according to the account opening requestAsk, described information checking request carries first identity information of the user；
Second receiver module, returns according to described information checking request for receiving network data platformThe result, the result are believed to first identity according to the second identity information by network data platformBreath is verified and is obtained that second identity information is the body through the network data platform real-name authenticationPart information；
The processing module of opening an account, is used for：
In the case of being to be verified in the result, the account opening request is processed；
In the case where the result does not pass through for checking, refusal is processed to the account opening request.
In the information processor of the present invention, also include：Credit judge module；
The credit judge module, is used for：
Obtain the collage-credit data of the user；
Judge according to the collage-credit data whether the credit of the user meets default credit term；
The processing module of opening an account, specifically for being to be verified in the result, and described information is sentencedIn the case that disconnected module is judged as YES, the account opening request is processed.
Embodiments of the invention additionally provide a kind of information processing method, comprise the steps：
The account opening request that the terminal of webserver receive user sends, the account opening request carry the userThe first identity information；
The webserver sends information verification request, institute to network data platform according to the account opening requestState the first identity information that information verification request carries the user；
The network data platform obtains the user of its storage after described information checking request is receivedThe second identity information, second identity information is the identity through the network data platform real-name authenticationInformation；
The network data platform verified to first identity information according to second identity information,To obtain the result；And the result is sent to into the webserver；And
In the case that the webserver is to be verified in the result, the account opening request is enteredRow is processed；In the case where the result does not pass through for checking, refuse to the account opening requestReason.
In the information processing method of the present invention, the network data platform is according to second identity information pairFirst identity information verified, is included the step of to obtain the result：
First identity information is compared with second identity information, to determine first identityWhether information is identical with second identity information；
When first identity information is identical with second identity information, then judge to first identityInformation Authentication passes through；
When first identity information is differed with second identity information, then judge to first bodyPart Information Authentication does not pass through.
In the information processing method of the present invention, the network data platform obtains the user's of its storageThe step of second identity information, includes：
The network data platform obtains its authentication information for authorizing the user, and the authentication information is used to log inThe network data platform；
The network data platform is verified to the authentication information；
If the network data platform passes through to authentication information verification, the network data platform is from depositingSecond identity information of the user is called in storage.
In the information processing method of the present invention, it is to be verified in the result of the network data platformIn the case of, and before the result is sent to the webserver, described information process sideMethod also includes：
The network data platform sends checking information and gives the user corresponding terminal；
The network data platform receives the checking information of the terminal feedback；
The checking information of transmission is compared by the network data platform with the checking information for receiving, to determineWhether the checking information of transmission is identical with the checking information for receiving；
It is described to include the step of transmit verification result to the webserver：
The network data platform it is determined that send checking information with reception checking information it is identical when, by instituteState the result and be sent to the webserver.
In the information processing method of the present invention, in the case of being to be verified in the result, andBefore the webserver is processed to the account opening request, described information processing method also includes：
The webserver obtains the collage-credit data of the user；
According to the collage-credit data, the webserver judges whether the credit of the user meets default letterUse condition；
If meeting default credit term, the webserver is processed to the account opening request.
Embodiments of the invention additionally provide a kind of information processing system, including：The webserver and network numberAccording to platform；
The webserver, for the account opening request of the terminal transmission of receive user, the account opening request is takenThe first identity information with the user；Information Authentication is sent to network data platform according to the account opening requestRequest, described information checking request carry first identity information of the user；And in the resultIn the case of being verified, the account opening request is processed, it is obstructed for checking in the resultIn the case of crossing, refusal is processed to the account opening request；
The network data platform, for after described information checking request is received, obtaining the institute of its storageSecond identity information of user is stated, second identity information is through the network data platform real-name authenticationIdentity information；First identity information is verified according to second identity information, tested with obtainingCard result；And the result is sent to into the webserver.
Embodiments provide a kind of information processing method and system, Information Authentication method and apparatus；ThisThe Information Authentication method of invention obtains net when first identity information of the user that the webserver sends is receivedSecond identity information of the user of network data platform storage, second identity information is through the networkThe identity information of data platform real-name authentication, then believes to first identity according to second identity informationCease and verified, to obtain the result, finally transmit verification result to the webserver, so as toThe webserver carries out process of opening an account；It is from the content of Information Authentication method, provided in an embodiment of the present inventionInformation Authentication method can be entered to the identity information for receiving according to the identity information of network data platform storageWhether row checking, to recognize the verity of identity information, and then sentence to user's offer of opening an account for bank serverDisconnected foundation, realizes opening an account on line；As the identity information of network data platform storage is through real-name authentication, therefore, the identity information stored using network data platform is verified to the identity information for receiving,The verity of the identity information that receive is identified exactly can；The Information Authentication method of the present invention can be answeredUse in opening an account on line, can be used to the verity of identifying user identity information, it is ensured that bank is true for transmissionThe user of identity information open an account, it is to avoid bank is by opening an account what is brought using the user of false identities informationSeries of problems, can simplify user operation, and raising is opened an account on the premise of efficiency, greatly improves informationExact Travelling and safety.
Description of the drawings
For the technical scheme being illustrated more clearly that in the embodiment of the present invention, below will be to institute in embodiment descriptionThe accompanying drawing that needs are used is briefly described, it should be apparent that, drawings in the following description are only the present inventionSome embodiments, for those skilled in the art, on the premise of not paying creative work, alsoOther accompanying drawings can be obtained according to these accompanying drawings.
Fig. 1 is a kind of schematic flow sheet of Information Authentication method that the embodiment of the present invention one is provided；
Fig. 2 is the schematic flow sheet of another kind of Information Authentication method that the embodiment of the present invention one is provided；
Fig. 3 is a kind of schematic flow sheet of information processing method that the embodiment of the present invention two is provided；
Fig. 4 is the schematic flow sheet of another kind of information processing method that the embodiment of the present invention two is provided；
Fig. 5 is the structural representation of the first Information Authentication device that the embodiment of the present invention three is provided；
Fig. 6 is the structural representation of second Information Authentication device that the embodiment of the present invention three is provided；
Fig. 7 is the structural representation of the third Information Authentication device that the embodiment of the present invention three is provided；
Fig. 8 is a kind of structural representation of information processor that the embodiment of the present invention four is provided；
Fig. 9 is the structural representation of another kind of information processor that the embodiment of the present invention four is provided；
Figure 10 is a kind of schematic flow sheet of information processing method that the embodiment of the present invention five is provided；
Figure 11 is a kind of structural representation of information processing system that the embodiment of the present invention five is carried；
Figure 12 is the schematic flow sheet opened an account on a kind of line of the offer of the embodiment of the present invention five.
Specific embodiment
Below in conjunction with the accompanying drawing in the embodiment of the present invention, the technical scheme in the embodiment of the present invention is carried out clearlyChu, it is fully described by, it is clear that described embodiment is only a part of embodiment of the invention, rather thanWhole embodiments.Based on the embodiment in the present invention, those skilled in the art are not making creative laborThe every other embodiment obtained under the premise of dynamic, belongs to the scope of protection of the invention.
Embodiments provide a kind of information processing method and system, Information Authentication method and apparatus.WithIt is lower to be described in detail respectively.
Embodiment one：
In order to the verity of identifying user identity information, a kind of Information Authentication side is present embodiments providedMethod, as shown in figure 1, comprising the steps：
Step 101, receives the information verification request that the webserver sends, and the information verification request is carried to be usedFirst identity information at family, and sent after the account opening request for receiving the user by the webserver.
In the present embodiment, first identity information includes：Name information and ID card information etc.；
In the present embodiment, the webserver can be the webserver of bank, for carrying out data processing, withHandling or processing for various bankings is realized, for example, opened an account, transfer accounts, provided a loan.
In the present embodiment, information verification request is to receive opening an account for user terminal transmission by the webserverAfter request, sent according to account opening request；The Information Authentication information carries the information such as the first identity information.
Specifically, the executive agent of step 101 can be the equipment or data platform outside the webserver,In the present embodiment, the webserver obtains the first identity information in the account opening request for receiving user terminal transmissionAfterwards, the equipment or data that can be sent the first identity information by checking request outside the webserver is put downPlatform.
Step 102, obtains second identity information of the user of network data platform storage, second identityInformation is the identity information through the network data platform real-name authentication.
Specifically, the network data that network data platform can be provided for Third-party payment mechanism in the present embodimentPlatform (abbreviation Third-party payment platform), for processing to network data, to realize Third-party paymentFunction, for example, can be the data platform of Alipay or Wealth tong.
In actual applications, as long as user is after the registration of the 3rd payment platform, Third-party payment platform can be wantedUser input identity information (such as name and identity card) is sought, Third-party payment platform is to user inputAfter identity information carries out real-name authentication, user is just allowed to be traded in Third-party payment platform；Therefore, originallyIn embodiment, network data platform is stored with the identity information of user, and the identity information is through the network numberAccording to the identity information of platform real-name authentication, so the second identity information is the real identity of user in the present embodimentInformation.
The process that network data platform carries out real-name authentication to identity information in the present embodiment can be：Network numberIdentity information is sent to public security system according to platform, real-name authentication is carried out by public security system.
As the identity information of Third-party payment platform storage is related to individual privacy and information security, it is impossible to enoughArbitrarily obtained；Therefore, in order to improve information security and avoid individual privacy from revealing, step 102 is concreteCan include：
The authentication information that the network data platform authorizes the user is obtained, the authentication information is used to log in the networkData platform；
The authentication information is verified；
If passing through to the authentication information verification, the second of its user for storing is obtained from network data platformIdentity information.
Knowable to the process of above-mentioned acquisition identity information, the present embodiment method is only logical to authentication information verificationLater, just identity information can be obtained from network data platform.Specifically, in the present embodiment, authentication information canTo include：Account information and encrypted message of the user on network data platform, it is flat for logging in network dataPlatform, namely log-on message, to be traded；The Alipay account of such as user or password.
Preferably, the mode for the authentication information that network data platform authorizes the user being obtained in the present embodiment can be withIncluding at least one in first kind of way and the second way：
First kind of way：The authentication information that the terminal of receive user sends, specifically, user terminal can beAfter identity information is sent to the webserver, the authentication information on network data platform is retransmited to networkData platform, so that the identity information of network data platform storage can be extracted；
The second way：The authentication information that the webserver sends；Specifically, user can be by authentication informationSend to the webserver, by the webserver by sending to network with the data-interface of network data platformPlatform.
In the present embodiment, authentication information can also only include password of the user on network data platform；This kind of feelingsUnder condition, the process for obtaining the authentication information that network data platform authorizes the user includes：
The account information that network data platform authorizes the user is obtained according to first identity information；
The network data platform that receive user terminal sends authorizes the encrypted message of the user.
When the executive agent of the present embodiment method is network data platform, the body due to receiving user in advancePart information, can find out correspondence account of the user on network data platform according to identity information such as nameInformation；It is contemplated that data safety and privacy, encrypted message also needs to user terminal to send.
Step 103, verifies to first identity information according to second identity information, to obtain checkingAs a result.
Specifically, step 103 includes：
First identity information is compared with the second identity information, with determine the first identity information whether with thisSecond identity information is identical；
When the first identity information is identical with the second identity information, then judge logical to the checking of the first identity informationCross；Now, the result is to pass through；
When the first identity information and the second identity information are differed, then judge to verify not the first identity informationPass through, now, the result is not pass through.
The result is sent to the webserver by step 104, so that the webserver is according to thisThe result is processed to the account opening request.
In the present embodiment, step 101-104 can be completed by network data platform, during opening an account on line,The account opening request that bank server receive user terminal sends, the first identity letter that then account opening request is carriedBreath is sent to network data platform by checking request, is verified by network data platform, by the resultBank server is sent to, so that bank server judges whether to open an account to user, i.e., whether split family is askedProcessed.
In the present embodiment, the result includes：Are verified or verify the two kinds of situations that do not pass through；When checking knotFruit is by the case of, in addition it is also necessary to further determine that whether the user is user, specifically, in stepBefore rapid 104, the Information Authentication method of the present embodiment can also include：
Send first terminal of the checking information to the user；
Receive the checking information of the second terminal feedback of the user, second terminal and first terminal be it is identical orDifferent terminals；
The checking information of transmission is compared with the checking information for receiving, with determine the checking information of transmission withWhether the checking information of reception is identical；
If identical, the result is sent to into the webserver；
If differing, send and the result not passed through is verified to the webserver, or prompting user testsCard information errors etc..The present embodiment method can determine that by way of sending checking information active user isIt is no for user, the checking information can be identifying code, such as " 123456 ".Send in the present embodimentChecking information can have various to the mode of user terminal, in actual applications, due to network data platform,Such as Third-party payment platform needs the communications identification for storing user, to the terminal for sending information to user,Therefore, the present embodiment can issue checking information to user by the communications identification of network data platform storageTerminal；Specifically, the process that checking information is sent described in the present embodiment to the terminal of the user can be wrappedInclude：
Obtain the corresponding communications identification of the user of the network data platform storage；
First terminal of the checking information to the user is sent according to the communications identification.
Preferably, communications identification can include：Telephone number, email address or instant messaging account etc.；For example, the telephone number of the user of Third-party payment platform storage can be obtained in the present embodiment method, thenTerminal of the short message verification code to user is sent according to the telephone number, to determine whether active user is user's sheetPeople.
Preferably, the Information Authentication method that the present embodiment is provided can be applied in network data platform, and such as theTripartite's payment platform,
According to foregoing description, the Information Authentication method that the present embodiment is provided can be stored according to network data platformIdentity information the identity information for receiving is verified, due to network data platform storage identity informationBe through real-name authentication, therefore, the identity information stored using network data platform is to the identity that receivesInformation verified, can identify the verity of the identity information for receiving；The Information Authentication side of the present inventionDuring method may apply to open an account on line, for the verity of identifying user identity information, it is ensured that bank is transmissionThe user of real identity information opens an account, it is to avoid bank is to be opened an account institute's band using the user of false identities informationThe series of problems for coming；In addition, the present embodiment Information Authentication method also have it is easy to implement, it is low cost, suitableWith the wide advantage of scope.
Further, the present embodiment Information Authentication method is by the webserver also the result is returnedBefore, by issuing checking information determining whether active user is user, application was opened an account on lineCheng Zhong, the situation that can prevent from using other people real identity informations being opened an account occur, and improve on lineThe reliability opened an account.
As shown in Fig. 2 the present embodiment additionally provides another kind of Information Authentication method, the executive agent of the methodCan be network data platform or other equipment, comprise the steps：
Step 201, receives the information verification request that the webserver sends, and the information verification request is carried to be usedFirst identity information at family.
Specifically, the server for realizing various bankings that the webserver is provided for bank, wherein, theOne identity packet includes name information and ID card information etc..
Specifically, described information checking request carries first identity information of user, and by the network serviceDevice is sent after the account opening request for receiving the user.
Step 202, receives the authentication information that the first terminal of the user sends, and the authentication information is the networkData platform authorizes the authentication information of the user, for logging in the network data platform.
In the present embodiment, network data platform can be the data platform for realizing Third-party payment function, i.e.,Third-party payment platform；
In the present embodiment, authentication information can be the account and password for logging in network data platform, for example, prop upPay precious account and password.Namely the present embodiment authentication information can be log-on message.
Specifically, the terminal that authentication information is sent in the present embodiment can be with initiation account opening request to network serviceThe terminal of device is same terminal, and such as user is entered using computer when opening an account on line, in page input of opening an accountFirst identity information, and account opening request can be produced after clicking on " submission open an account application " send to bank server,Bank server can produce the Information Authentication of first identity information of carrying after account opening request is receivedRequest, and send to Third-party payment platform；User is input into the clicking on " submission open an account apply " and enter afterwardsThe page of the authentication information of tripartite's payment platform, user are input into corresponding authentication information on this page, by electricityBrain sends to bank server and is forwarded to Third-party payment platform with Third-party payment platform excuse, now, sends outIt is same terminal that authentication information is sent with the terminal for initiating account opening request.
Certainly the present embodiment can also in send the terminal of authentication information and initiate account opening request to network serviceThe terminal of device can be different terminal；I.e. for example user is opened an account using computer, sends authentication letter using mobile phoneCease to network data platform (for example, log-on message is input in Wealth tong or Alipay App, by handssMachine sends the data platform to wealth or Alipay).
Step 203, verifies to the authentication information, if passing through to authentication information verification, turns stepRapid 204, if failing to authentication information verification, terminate flow process or notify user authentication information verificationFailure.
Specifically, the present embodiment can be verified to the account and password for logging in network data platform,For example judge whether account and password match.
Step 204, obtains second identity information of the user of its storage from network data platform, and thisTwo identity informations are the identity information through the network data platform real-name authentication.
Specifically, can be according to authentication information (such as account information) from the memory element of network data platformMiddle the second identity information for extracting the user, such as after the Alipay account and password for receiving user,Corresponding identity information can be searched in data base according to the Alipay account of the user.
Step 205, first identity information is compared with second identity information, with determine this firstWhether identity information is identical with second identity information, if identical, shows to be verified, then goes to step 206,If differing, show that checking does not pass through, then go to step 209.
Step 206, obtains the corresponding communications identification of the user of the network data platform storage, and according to thisCommunications identification sends second terminal of the checking information to the user.Specifically, communications identification includes：Phone numberCode, email address or instant messaging account；Therefore, this step can pass through short message mode or mail sideFormula by checking information to user terminal.
Preferably, in the present embodiment, second terminal can be same terminal with first terminal, or noSame terminal；For example, user enters using computer, and now the 3rd payment platform will can be verifiedInformation is sent to the mobile phone of user (such as verifying note), or checking information is sent to the computer of user(such as user logs in mailbox by computer and receives checking mail).Step 207, receives the first terminalThe checking information of feedback.
Specifically, user is when being opened an account using computer, and user, can be with after its mobile phone receives checking noteThe checking information is input in the page of opening an account of computer, by connecing between the webserver and network data platformMouth is sent to network data platform.
Step 208, the checking information of transmission is compared with the checking information for receiving, if identical, is turnedStep 209.
When comparative result is to differ, the present embodiment method can send the different the result of checking to netNetwork server, it is also possible to point out user's checking code input error, it is desirable to which user resends, sends in userThe errors number of identifying code terminates flow process when reaching certain value.
Step 209, transmits verification result to the webserver, so that the webserver is according to instituteState the result to process the account opening request.
Specifically, when the result is to be verified, the webserver can be processed to account opening request,Complete to open an account, when the result is obstructed out-of-date for checking, the webserver can be refused to carry out account opening requestProcess.
The Information Authentication method that the present embodiment is provided may apply to open an account on line, for recognizing identity letter of opening an accountThe verity of breath, is whether bank server opens an account offer judgement basis to user, improves the safety opened an accountProperty and efficiency of opening an account, with easy to implement, low cost and other advantages.
Embodiment two：
As shown in figure 3, present embodiments providing a kind of information processing method, bank server is can apply toDeng the webserver, comprise the steps：
Step 301, the account opening request that receiving terminal sends, the account opening request carry the first identity letter of userBreath.
Specifically, user logs in the page of opening an account that bank server is provided by computer, then in the page of opening an accountUpper input identity information, after submitting application of opening an account to, computer can generate an account opening request and send to bank serviceDevice, wherein account opening request carry identity information of user etc.；Wherein identity information includes：Address name and useThe information such as family identity card.
Step 302, sends information verification request to network data platform according to the account opening request, and the information is testedCard request carries first identity information of the user.
Specifically, bank server extracts the identity of user from account opening request after account opening request is receivedInformation, then sends the information verification request for carrying identity information, is put down by network data to network data platformPlatform is verifying to identity information.
Step 303, the result that receiving network data platform is returned according to the information verification request, this is testedCard result is verified to first identity information according to the second identity information and obtained by network data platformArrive, second identity information is the identity information through the network data platform real-name authentication.
After network data platform receives the first identity information, second body of the user through real-name authentication is obtainedPart information, then verifies to first identity information according to the second identity information, and by the resultSend to bank server；For example subscriber identity information is sent to Third-party payment platform by bank serverIn the case of row checking, bank server can send the information verification request for carrying identity information to third partyPlatform is paid, Third-party payment platform finds out the process of user after information verification request is received from its storageThe identity information of real-name authentication, and verified using identity information of the identity information to receiving is found,Afterwards the result is sent to bank server.
Step 304, if the result is processed to the account opening request to be verified；If checking knotFruit does not pass through for checking, then refuse to process the account opening request.
Specifically, bank server carries out difference according to the result difference after the result is receivedOperation, when the result for be verified when, account opening request is processed, for example generate an accountInformation, and account information is bound with first identity information；The accounts information is sent to describedTerminal；When the result is obstructed out-of-date for checking, bank server can be refused to process account opening request,Open an account unsuccessfully.
Preferably, when the result is to verify the obstructed out-of-date result that can also return failure of opening an account to user,The reason for specifically pointing out to open an account unsuccessfully in the page of opening an account, and be given unsuccessfully.
During in the present embodiment, information processing method application is opened an account on line, enter in user input identity informationWhen row is opened an account, identity information of opening an account is sent to Third-party payment platform to be verified, i.e., by third partyPlatform is paid recognizing the verity of identity information of opening an account, the result returned according to Third-party payment platform comeJudge whether to open an account to user, the safety opened an account on line can be improved using the information processing method of the present inventionAnd the efficiency opened an account.
When actually opening an account, bank also needs to the credit situation for considering user, therefore, the present embodiment information processingMethod, in the case of being to be verified in the result, and before processing to the account opening request,Described information processing method also needs to judge whether the credit of user meets requirement, refuses if being unsatisfactory for requiringOpen an account to which, open an account to user if meeting；As shown in figure 4, the information processing method of the present embodiment, toolBody comprises the steps：
Step 401, the account opening request that receiving terminal sends, the account opening request carry the first identity letter of userBreath.
Step 402, sends information verification request to network data platform according to the account opening request, and the information is testedCard request carries first identity information of the user.
Step 403, the result that receiving network data platform is returned according to the information verification request, this is testedCard result is verified to first identity information according to the second identity information and obtained by network data platformArrive, second identity information is the identity information through the network data platform real-name authentication.
Step 404, judges whether the result is to be verified, if so, then execution step 405, ifIt is no, then execution step 408.
Step 405, obtains the collage-credit data of the user.
Specifically, collage-credit data can be obtained from the credit investigation system of Central Bank, including：Loan documentation, note of refundingRecord, and credit card related data etc..
Step 406, judges according to the collage-credit data whether the credit of the user meets default credit term, ifIt is, then execution step 407, if it is not, then execution step 408.
Specifically, after the webserver obtains collage-credit data, according to presupposed information grade classification RuleThen credit grade is compared by the credit grade of user with the required minimum credit grade for reaching of opening an accountCompared with if being less than minimum credit grade, judgement is unsatisfactory for default credit term, if being more than or equal to minimum letterWith grade, then judge to meet default credit term.
Step 407, is processed to account opening request.
Step 408, refusal are processed to account opening request.
If so, the webserver is processed to the account opening request.
Now, the present embodiment information processing method is applied to during opening an account on line, user identity is being believedAfter breath is verified, in addition it is also necessary to the credit of user is passed judgment on, can be avoided as the bad user of creditSituation about opening an account, reduces bank risk.
Embodiment three：
A kind of Information Authentication device is present embodiments provided, network data platform, such as Fig. 5 is can apply toIt is shown, including：First receiver module 501, acquisition module 502, authentication module 503 and first send mouldBlock 504；
First receiver module 501, it is for receiving the information verification request of webserver transmission, describedInformation verification request carries first identity information of user, and is receiving the use by the webserverSend after the account opening request at family；
The acquisition module 502, for obtaining the second identity letter of the user of network data platform storageBreath, second identity information is the identity information through the network data platform real-name authentication；
Authentication module 503, for being tested to first identity information according to second identity informationCard；
First sending module 504, it is described for the result of the authentication module 503 is sent toThe webserver, so as to the webserver according to the result to the account opening request atReason.
Preferably, the authentication module, is used for：
First identity information is compared with second identity information, to determine first identityWhether information is identical with second identity information；
When first identity information is identical with second identity information, then judge to first identityInformation Authentication passes through；
When first identity information is differed with second identity information, then judge to first bodyPart Information Authentication does not pass through.
Preferably, as shown in fig. 6, acquisition module 502 described in the present embodiment includes：Authentication information is obtainedSubmodule 5021, verification submodule 5022 and identity information acquisition submodule 5023；
The authentication information acquisition submodule 5021, authorizes the use for obtaining the network data platformThe authentication information at family, the authentication information are used to log in the network data platform；
The verification submodule 5022, for verifying to the authentication information；
The identity information acquisition submodule 5023, in described verification 5022 pairs of authentications of submoduleIn the case that information checking passes through, second body of the user of its storage is obtained from the network data platformPart information.
Preferably, as shown in fig. 7, on the basis of the above, the present embodiment Information Authentication device can also include：Second sending module 505, the second receiver module 506 and comparison module 507；
Second sending module 505, for sending terminal of the checking information to the user；
Second receiver module 506, for receiving the checking information of the terminal feedback；
The comparison module 507, for the checking information of transmission is compared with the checking information for receiving,To determine whether the checking information for sending is identical with the checking information for receiving；
First sending module 504, for being to pass through in the result of the authentication module 503, andWhen the comparison module 507 determines that the checking information for sending is identical with the checking information of reception, by the checkingThe result of module 503 is sent to the webserver.
The Information Authentication device that the present embodiment is provided, can apply to network data platform, and which can be according to netThe identity information of network data platform storage is verified to the identity information for receiving, due to network data platformThe identity information of storage be through real-name authentication, therefore, using network data platform store identity informationIdentity information to receiving verifies, can identify the verity of the identity information for receiving；ThisDuring bright Information Authentication device may apply to open an account on line, for the verity of identifying user identity information,Guarantee that bank is that the user for transmitting real identity information opens an account, it is to avoid bank is using false identities informationUser open an account brought series of problems；In addition, the present embodiment Information Authentication device also has is easy to realApply, low cost, advantage applied widely.
Further, the present embodiment Information Authentication device is by the webserver also the result is returnedBefore, by issuing checking information determining whether active user is user, application was opened an account on lineCheng Zhong, the situation that can prevent from using other people real identity informations being opened an account occur, and improve on lineThe reliability opened an account.
Example IV：
As shown in figure 8, present embodiments providing a kind of information processor, bank server is can apply toDeng the webserver, including：First receiver module 801, sending module 802, the second receiver module 803With processing module 804 of opening an account；
First receiver module 801, for the account opening request that receiving terminal sends, the account opening request is takenThe first identity information with user；Specifically, user logs in the page of opening an account that bank server is provided by computerFace, then in opening an account identity information of be input on the page, submission open an account application after computer can generate one open an account pleaseAsk transmission to the first receiver module 801 in bank server, wherein account opening request carries the identity information of userDeng；Wherein identity information includes：The information such as address name and user identity card.
The sending module 802, for sending Information Authentication to network data platform according to the account opening requestRequest, the checking request carry first identity information of the user；Specifically, send out in bank serverSend module 802 that the first identity information is extracted from account opening request, and generate the information for carrying the first identity informationChecking request sends to network data platform and is verified；
Second receiver module 803, returns according to described information checking request for receiving network data platformThe result for returning, the result is by network data platform according to the second identity information to first bodyPart information is verified and is obtained that second identity information is through the network data platform real-name authenticationIdentity information；Specifically, in bank server, the second receiver module 803 can be with network communication protocol from netNetwork data platform obtains the result；
The processing module 804 of opening an account, is used for：
In the case of being to be verified in the result, the account opening request is processed；
In the case where the result does not pass through for checking, refusal is processed to the account opening request.
It is during in the present embodiment, the bank server opened an account on line is realized in information processor application, defeated in userWhen entering identity information and being opened an account, identity information of opening an account is sent to Third-party payment platform to be verified, i.e.,The verity of identity information of opening an account is recognized by Third-party payment platform, is returned according to Third-party payment platformThe result judging whether to open an account to user, can improve on line using the information processor of the present inventionThe safety opened an account and the efficiency opened an account.
When actually opening an account, bank also needs to the credit situation for considering user, therefore, the present embodiment information processingDevice, in the case of being to be verified in the result, and before processing to the account opening request,Also need to judge whether the credit of user meets requirement, refuse to open an account to which if being unsatisfactory for requiring, if meetingThen open an account to user；As shown in figure 9, the information processor of the present embodiment, also includes：Credit judges mouldBlock 805；
The credit judge module 805, is used for：
Obtain the collage-credit data of the user；
Judge according to the collage-credit data whether the credit of the user meets default credit term；
The processing module 804 of opening an account, specifically for being to be verified in the result, and the letterIn the case that breath judge module is judged as YES, the account opening request is processed.
Information processor shown in Fig. 9 is after being verified to subscriber identity information, in addition it is also necessary to userCredit passed judgment on, situation about opening an account for the bad user of credit can be avoided, bank risk is reduced,Lifting is opened an account safety.
Embodiment five：
A kind of information processing method is present embodiments provided, as shown in Figure 10, is comprised the steps：
Step 111, the account opening request of the terminal transmission of webserver receive user, the account opening request are carriedFirst identity information of the user.
In the present embodiment, the webserver is preferably the server for realizing banking that bank provides；TheOne identity information is preferably included：Name information and ID card information.
In actual applications, user can be passed through eventually with initiating account opening request such as user on line to the webserverEnd signs in the webserver of bank, identity information is input in the interface of opening an account that the webserver is provided withApplication is opened an account, and terminal can generate corresponding account opening request and be sent to the webserver, wherein account opening request afterwardsIncluding first identity information of user.
Step 112, the webserver send information verification request to network data platform according to the account opening request,The information verification request carries first identity information of the user.
Network data platform (the letter that network data platform can be provided for Third-party payment mechanism in the present embodimentClaim Third-party payment platform), for processing to network data, to realize Third-party payment function, exampleIt can such as be the data platform of Alipay or Wealth tong.
In the present embodiment, the identity of user can be believed after account opening request is received by the webserver of bankBreath sends to network data platform such as Third-party payment platform and is verified, to determine the identity of user inputThe verity of information.
Step 113, network data platform obtain the use of its storage after the information verification request is receivedSecond identity information at family, second identity information are the identity letter through the network data platform real-name authenticationBreath.
Specifically, step 113 includes：
Network data platform obtains the authentication information which authorizes the user, and the authentication information is described for logging inNetwork data platform；The authentication information or the reception net that the terminal of the user sends are received for exampleThe authentication information that network server sends；
The network data platform is verified to the authentication information；
If the network data platform passes through to authentication information verification, the network data platform is from depositingSecond identity information of the user is called in storage.
For example, Third-party payment platform obtains authentication information of the user in Third-party payment platform, including：AccountFamily information and encrypted message, then verify to accounts information and encrypted message, if verification passes through,The Third-party payment platform calls second identity information of the user from storage, second identity informationIt is the identity information through the 3rd payment platform real-name authentication, namely true identity information.
Again for example, Third-party payment platform is looked into according to identity information after the identity information for receiving userCorresponding account information is found out, the encrypted message corresponding with account information that then receive user terminal sends,Encrypted message is verified, if verification passes through, second identity information of user is called from storage, i.e.,True identity information.
In the present embodiment user can by terminal be input in the interface of opening an account that the webserver is provided itsThe authentication information of network data platform, is then sent to network data platform by terminal；For example user is in bankAfter identity information is input in the interface of opening an account that server is provided, interface of opening an account can provide the 3rd payment platformLogin interface, user input its account and password in Third-party payment platform in login interface, by bankServer or Third-party payment platform be transmitted directly to by terminal verified.
Step 114, network data platform are tested to first identity information according to second identity informationCard, to obtain the result；And the result is sent to into the webserver.
The present embodiment network data platform is stored with second identity information of user, is receiving the webserverAfter the identity information of transmission, network data platform can call the identity information of storage to send out the webserverThe identity information for sending is verified, specifically, the identity information of storage is carried out with the identity information for receivingRelatively, when information is identical, it is verified, verifies when information is differed and do not pass through.Therefore, this enforcementThe result of the first identity information checking is included by example or do not pass through both of these case；SpecificallyGround, the present embodiment method are, by the case of, to send the result to the webserver in the resultBefore, in addition it is also necessary to determine that whether active user is user, specific implementation can include：
Network data platform sends terminal of the checking information to the user；
Network data platform receives the checking information of the terminal feedback；
The checking information of transmission is compared by network data platform with the checking information for receiving, to determine transmissionChecking information with receive checking information it is whether identical；
When the checking information for sending and receiving is identical, show active user for user, now need byThe result to be verified is sent to the webserver, is believed with informing network server current user identitiesBreath is real, and then makes the webserver carry out opening an account the data processing of correlation；
When the checking information for sending and receiving is differed, show that active user is not user, now may be usedNot send the result to the webserver, or send to verify that the result not passed through is taken to networkBusiness device, it is to avoid other people are occurred using the situation opened an account by subscriber identity information.
Step 115, in the case that the webserver is to be verified in the result, opens an account to describedRequest is processed；In the case where the result does not pass through for checking, refuse to the account opening requestProcessed.
When the result is to be verified, it is true to show that current network service device is currently received identity informationReal, now, the webserver will be carried out and related data processing of opening an account according to the first identity information,For example to user distribution bank account, binding the data processing such as identity information and account information, and by processAs a result return to user terminal.
When actually opening an account, bank also needs to the credit situation for considering user, therefore, the present embodiment information processingMethod, in the result in the case of being verified, and in the webserver according to described theOne identity information is carried out to before related data processing of opening an account, and described information processing method also includes：
The webserver obtains the collage-credit data of the user；
According to the collage-credit data, the webserver judges whether the credit of the user meets default letterUse condition；
Specifically, after the webserver obtains collage-credit data, according to presupposed information grade classification RuleThen credit grade is compared by the credit grade of user with the required minimum credit grade for reaching of opening an accountCompared with if being less than minimum credit grade, judgement is unsatisfactory for default credit term, if being more than or equal to minimum letterWith grade, then judge to meet default credit term.
If so, the webserver is carried out and related data processing of opening an account according to first identity information.
Now, the present embodiment information processing method is applied to during opening an account on line, can also be avoided as letterSituation about being opened an account with bad user, reduces bank risk.
As shown in figure 11, the present embodiment additionally provides a kind of information processing system, including：The webserver10 and network data platform 11；
The webserver 10, for the account opening request of the terminal transmission of receive user, the account opening request is takenThe first identity information with the user；Information is sent to network data platform 11 according to the account opening requestChecking request, described information checking request carry first identity information of the user；And in the checkingAs a result, in the case of being verified, to process to the account opening request, it is checking in the resultIn the case of not passing through, refusal is processed to the account opening request；
Network data platform 11, for after described information checking request is received, obtaining the institute of its storageSecond identity information of user is stated, second identity information is through 11 real name of network data platformThe identity information of certification；First identity information is verified according to second identity information, to obtainTake the result；And the result is sent to into the webserver 10.
In the present embodiment, the webserver 10 can be bank server, and network data platform 11 can be with the 3rdSquare payment platform.It is described below using the information processing method of the present embodiment to realize the concrete mistake opened an account on lineJourney, is directed to user terminal, the webserver of bank, the network data of Third-party payment mechanism and puts downPlatform and collage-credit data server, as shown in figure 12, the process opened an account on line comprises the steps：
Step 121, user terminal initiate account opening request to the webserver, and the account opening request carries user'sIdentity information.
Step 122, the webserver receive account opening request, and send information verification request according to account opening requestNetwork data platform is given, the information verification request carries identity information.
Step 123, user terminal send authentication information to the network data platform, and the authentication information is used to step onThe network data platform is recorded, can specifically include account information and encrypted message.
Step 124, network data platform are verified to the authentication information after identity information is received,If verification passes through, execution step 125.
In the present embodiment when verification passes through, then terminate flow process or prompting user authentication information mistake.
Step 125, network data platform extract the true identity information of user from storage, and this is trueIdentity information is compared with the identity information for receiving, and is verified with the identity information to receiving, ifInformation is identical, shows to be verified, then execution step 126, if information is differed, shows that checking does not pass through,Then execution step 131.
Step 126, network data platform obtain the communications identification of user from storage, and according to communications identificationIdentifying code is issued to user terminal.
For example to user terminal transmitting short message identifying code, or identifying code is issued by way of mail.This stepRapid user terminal can be same terminal from the terminal of initiation account opening request, or different endsEnd, such as mobile phone and computer.
Step 127, user terminal reply corresponding identifying code to network data platform.
Step 128, whether the identifying code that the identifying code that network data platform is relatively issued is replied with user terminalUnanimously, if unanimously, execution step 129.
If the identifying code for issuing in the present embodiment and receiving is inconsistent, terminates flow process of opening an account, or notifyThe webserver does not allow to open an account, or prompting user's checking code mistake, and whether request re-issues checkingCode.
Step 129, network data platform send the result being verified and give the webserver.
Step 130, the webserver obtain the collage-credit data of user from collage-credit data server.
According to the collage-credit data, step 131, the webserver judge whether the credit of the user meets default letterWith condition, if meeting, execution step 132, if being unsatisfactory for, execution step 134.
If default credit term is discontented with the present embodiment, the webserver is not allowed to opening an account, and returnedOpen an account failure object information of opening an account to user terminal.
Step 132, the webserver are processed to account opening request, and the result of process is returned to the useFamily terminal, terminates flow process of opening an account.
Step 133, network data platform sends verifies that the result not passed through gives the webserver.
Step 134, webserver refusal are processed to account opening request, and return the result of failure of opening an accountInformation is to user terminal.
The information processing method that the present embodiment is provided can be realized opening an account on line, not only solve user in bankThe worry that site is opened an account, improves Consumer's Experience, and also saves the human resourcess of bank, improves outFamily efficiency.
One of ordinary skill in the art will appreciate that all or part of step in the various methods of above-described embodimentSuddenly can be by program to instruct the hardware of correlation to complete, the program can be stored in a computer-readableIn storage medium, storage medium can include：Read only memory (ROM, Read Only Memory),Random access memory (RAM, Random Access Memory), disk or CD etc..
A kind of information processing method that above embodiment of the present invention is provided and system, Information Authentication method andDevice is described in detail, and specific case used herein is carried out to the principle and embodiment of the present inventionIllustrate, the explanation of above example is only intended to help and understands the method for the present invention and its core concept；TogetherWhen, for those skilled in the art, according to the thought of the present invention, in specific embodiment and range of applicationOn will change, in sum, this specification content should not be construed as limiting the invention.