银行柜员身份指纹认证系统设计与实现

范文字数:11000,页数:36

摘  要

 随着计算机和电子技术在金融领域的广泛应用，金融行业电子信息化程度越来越高，工作效率和服务水平得到了很大程度的提升，但信息技术能否被充分、合理、正确的利用和监管，成为当前金融管理机构所面临的新话题。
 目前在银行柜员内控管理机制上采用的主要手段：一是依靠制度的约束；如，制定有关措施，加强要害岗位管理，严格划分权限，禁止职责交叉、混岗操作等。二是采用传统介质和传统方法进行身份认证或识别；如，磁卡、IC卡、密码等。但在实际操作中，存在“飞卡现象”、柜员权限卡被盗用或仿制、密码泄漏或被破译等安全隐患。
 据此，浙江维尔科技有限公司根据银行柜员身份验证和授权验证的应用和安全需求，将活体指纹识别技术、计算机DSP处理技术、通信技术与业务仿真技术相结合，成功开发了“银行柜员身份指纹认证系统”，并针对各银行系统的不同情况设计了多种解决方案。以柜员身份指纹认证方式取代现有“柜员权限卡”和“密码”的认证，有效遏制以伪装身份、盗用密码、非法授权等方式侵入银行业务系统的行为，以高科技手段实现了“一定要遵守制度”到“不得不遵守制度”的转变，达到柜员身份安全可靠的认证目标。

关键词： 银行柜员身份验证，飞卡现象，指纹认证

ABSTRACT
 
 It has been a new topic of the current financial management institutions that whether IT can be sufficiently, reasonably, and correctly used, in particular since the implementation of integrated banking ATMs system. It has raised a higher demand to bank tellers of the identity verification and operational safety of certification authority.
 Present major means in the internal management mechanism of bank teller: First, rely on the system constraints; e.g. enact measures, strengthen key posts management, strictly demarcate authority, prohibit responsibilities overlapping and mixing operation. Second, traditional media and traditional methods for authentication or identification; For example, magnetic cards, IC cards and passwords. However, in actual practice, there is "card missing phenomenon", theft or imitation of teller competence cards, password leakage or other safety problems.
 Zhejiang Wellcom Science & Technology Com, Ltd., according to the application of bank teller identification verification and authority verification and to safety needs, has combined live fingerprint recognition technology, computer DSP technology, communications technology and business simulation technology and successfully developed a "bank teller fingerprint identity verification system". Besides, the company has designed a variety of solutions against the differences of various banking system. It has replaced the existing "authority teller card" and "Password" authentication with a bank teller fingerprint authentication to effectively avoid banking system invading such as identity camouflage, password embezzlement, illegal authorization, etc. By this high-tech means, Wellcom achieves the change from "must comply with the system" to "have to abide by the system" and it assures the certification safety and reliability of teller’s identification.
 
 Keywords: Bank Teller Identification Verification, Card Missing Phenomenon, Fingerprint Authentication

目 录

摘  要 I
ABSTRACT II
第1章 引 言 1
 1.1 背景 1
 1.2 研究内容 3
第2章 银行柜员身份指纹认证系统介绍 7
 2.1 后台指纹数据库和后台比对的实现方案 7
 2.2 指纹服务器与指纹仪比对的实现方案 9
 2.3 独立指纹服务器比对的实现方案 11
第3章 指纹客户端管理程序设计 14
 3.1 系统初始化登陆 14
 3.2 指纹管理系统登陆 15
 3.3 柜员增加 18
 3.4 柜员修改 20
 3.5 柜员删除 21
 3.6 机构修改 22
 3.7 机构统计 22
 3.8 系统管理员更换 23
第4章 指纹服务端管理程序设计 24
 4.1 指纹比对 24
 4.2 柜员查询 27
 4.3 日志查询 28
 4.4 数据库备份 29
 4.5 数据库恢复 29
第5章 结束语 31
致  谢 32
参 考 文 献 33

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