邮政金融信息化中客户身份联网核查系统的研究与开发
发布时间：2018-12-11 01:08
【摘要】：银行账户实名制是我国重要的金融基础制度,而第二代居民身份证真伪识别是作为银行业核查账户的有效手段。中国邮政集团公司和旗下的中国邮政储蓄银行全面开展第二代居民身份证联网核查工作以来,成功堵截了大量持假证开立账户、大额取现、挂失骗取存款、假名或冒名贷款等行为。但如今随着身份核查工作的逐步升入,传统的客户身份核查模式不但繁琐耗时、差错大,而且成本高、效率低,已无法满足现代化的中国邮政金融体系建设需求。本论文致力于研究如何提升邮政金融客户第二代居民身份证联网核查操作效率这一课题,主要有以下三个方面的研究内容:首先,通过问题调查、实地调研和数据采集等方式,掌握现有邮政联网核查存在的突出问题和痛点难点,根据操作时限、耗材量等数据佐证和柜员信息反馈,获取采样数据,报批组建项目开发团队,制定实施方案,形成可行性实施方案和计划,分步研发出符合业务需求和行业特色的智能化客户身份联网核查系统。其次,研发工作基于非接触式IC卡技术、无线射频识别技术、信息采集技术、IDcardRead接口VB函数编译等技术手段,在最大限度节约投入成本的基础上,将原本需要人工完成的身份证扫描、信息采集、互联网核查、信息打印等多项操作集一身的邮政金融信息化客户身份联网核查打印管理软件,正真实现新模式下的“一键”操作功能。最后,在操作时限、纸张成本、设备损耗等几个关键参数上对比邮政传统联网核查模式和邮政创新联网核查模式的区别和优劣,通过实地测试、系统后台取数等技术测试手段对采样数据进行分析,进一步论证了邮政金融联网核查打印管理软件不仅实现了简化业务操作流程的目的,而且还降低了邮储网点成本支出,最终达到提高整体柜面交易效率的关键目标。并对今后邮政金融联网核查打印管理软件的推广落地进行了展望。
[Abstract]:The bank account real name system is an important financial foundation system in our country, and the identification of the second generation resident ID card is an effective means to verify the bank account. Since the China Post Group Corporation and the Postal savings Bank of China have comprehensively carried out the network verification work of the second generation resident identity cards, they have successfully intercepted a large number of false ID cards to open accounts, withdraw large amounts of cash, and report the loss of and defrauding of deposits. Act of impersonating or impersonating a loan, etc. However, with the gradual development of identity verification, the traditional model of customer identity verification is not only tedious and time-consuming, but also costly and inefficient, so it can not meet the needs of the construction of modern postal financial system in China. This thesis is devoted to the research of how to improve the operation efficiency of the second generation resident ID card of the second generation of postal financial customers. There are three main contents: first, through the way of problem investigation, field investigation and data collection, etc. Master the outstanding problems and pain points existing in the existing postal network verification, according to the operation time limit, material consumption and other data supporting and teller information feedback, obtain the sampling data, report to set up the project development team, formulate the implementation plan, Form feasible implementation scheme and plan, step by step to develop intelligent customer identity verification system according to business needs and industry characteristics. Secondly, the research and development based on contactless IC card technology, radio frequency identification technology, information acquisition technology, IDcardRead interface VB function compilation and other technical means, on the basis of maximum cost savings, The ID card scanning, information collection, Internet verification, information printing and other operations, which were originally required to be manually completed, are all integrated with the postal financial information customer identity verification and printing management software. True to achieve the new mode under the "one key" operation function. Finally, in the operating time limit, paper cost, equipment loss and other key parameters compared with the traditional postal network verification model and postal innovation network verification model differences and advantages, through field testing, The sampling data is analyzed by the technical testing means such as the system backstage sampling, and it is further demonstrated that the postal financial network verification and printing management software not only realizes the purpose of simplifying the business operation flow, but also reduces the cost of postal storage network. Finally, to improve the overall counter trading efficiency of the key objectives. The future development of post finance network verification and print management software is prospected.
【学位授予单位】：南京邮电大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F618.3;F832.33;TP311.52
本文编号：2371573
[Abstract]:The bank account real name system is an important financial foundation system in our country, and the identification of the second generation resident ID card is an effective means to verify the bank account. Since the China Post Group Corporation and the Postal savings Bank of China have comprehensively carried out the network verification work of the second generation resident identity cards, they have successfully intercepted a large number of false ID cards to open accounts, withdraw large amounts of cash, and report the loss of and defrauding of deposits. Act of impersonating or impersonating a loan, etc. However, with the gradual development of identity verification, the traditional model of customer identity verification is not only tedious and time-consuming, but also costly and inefficient, so it can not meet the needs of the construction of modern postal financial system in China. This thesis is devoted to the research of how to improve the operation efficiency of the second generation resident ID card of the second generation of postal financial customers. There are three main contents: first, through the way of problem investigation, field investigation and data collection, etc. Master the outstanding problems and pain points existing in the existing postal network verification, according to the operation time limit, material consumption and other data supporting and teller information feedback, obtain the sampling data, report to set up the project development team, formulate the implementation plan, Form feasible implementation scheme and plan, step by step to develop intelligent customer identity verification system according to business needs and industry characteristics. Secondly, the research and development based on contactless IC card technology, radio frequency identification technology, information acquisition technology, IDcardRead interface VB function compilation and other technical means, on the basis of maximum cost savings, The ID card scanning, information collection, Internet verification, information printing and other operations, which were originally required to be manually completed, are all integrated with the postal financial information customer identity verification and printing management software. True to achieve the new mode under the "one key" operation function. Finally, in the operating time limit, paper cost, equipment loss and other key parameters compared with the traditional postal network verification model and postal innovation network verification model differences and advantages, through field testing, The sampling data is analyzed by the technical testing means such as the system backstage sampling, and it is further demonstrated that the postal financial network verification and printing management software not only realizes the purpose of simplifying the business operation flow, but also reduces the cost of postal storage network. Finally, to improve the overall counter trading efficiency of the key objectives. The future development of post finance network verification and print management software is prospected.
【学位授予单位】：南京邮电大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F618.3;F832.33;TP311.52
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