郵政金融信息化中客戶身份聯(lián)網(wǎng)核查系統(tǒng)的研究與開發(fā)
發(fā)布時(shí)間：2018-12-11 01:08
【摘要】：銀行賬戶實(shí)名制是我國重要的金融基礎(chǔ)制度,而第二代居民身份證真?zhèn)巫R別是作為銀行業(yè)核查賬戶的有效手段。中國郵政集團(tuán)公司和旗下的中國郵政儲蓄銀行全面開展第二代居民身份證聯(lián)網(wǎng)核查工作以來,成功堵截了大量持假證開立賬戶、大額取現(xiàn)、掛失騙取存款、假名或冒名貸款等行為。但如今隨著身份核查工作的逐步升入,傳統(tǒng)的客戶身份核查模式不但繁瑣耗時(shí)、差錯(cuò)大,而且成本高、效率低,已無法滿足現(xiàn)代化的中國郵政金融體系建設(shè)需求。本論文致力于研究如何提升郵政金融客戶第二代居民身份證聯(lián)網(wǎng)核查操作效率這一課題,主要有以下三個(gè)方面的研究內(nèi)容:首先,通過問題調(diào)查、實(shí)地調(diào)研和數(shù)據(jù)采集等方式,掌握現(xiàn)有郵政聯(lián)網(wǎng)核查存在的突出問題和痛點(diǎn)難點(diǎn),根據(jù)操作時(shí)限、耗材量等數(shù)據(jù)佐證和柜員信息反饋,獲取采樣數(shù)據(jù),報(bào)批組建項(xiàng)目開發(fā)團(tuán)隊(duì),制定實(shí)施方案,形成可行性實(shí)施方案和計(jì)劃,分步研發(fā)出符合業(yè)務(wù)需求和行業(yè)特色的智能化客戶身份聯(lián)網(wǎng)核查系統(tǒng)。其次,研發(fā)工作基于非接觸式IC卡技術(shù)、無線射頻識別技術(shù)、信息采集技術(shù)、IDcardRead接口VB函數(shù)編譯等技術(shù)手段,在最大限度節(jié)約投入成本的基礎(chǔ)上,將原本需要人工完成的身份證掃描、信息采集、互聯(lián)網(wǎng)核查、信息打印等多項(xiàng)操作集一身的郵政金融信息化客戶身份聯(lián)網(wǎng)核查打印管理軟件,正真實(shí)現(xiàn)新模式下的“一鍵”操作功能。最后,在操作時(shí)限、紙張成本、設(shè)備損耗等幾個(gè)關(guān)鍵參數(shù)上對比郵政傳統(tǒng)聯(lián)網(wǎng)核查模式和郵政創(chuàng)新聯(lián)網(wǎng)核查模式的區(qū)別和優(yōu)劣,通過實(shí)地測試、系統(tǒng)后臺取數(shù)等技術(shù)測試手段對采樣數(shù)據(jù)進(jìn)行分析,進(jìn)一步論證了郵政金融聯(lián)網(wǎng)核查打印管理軟件不僅實(shí)現(xiàn)了簡化業(yè)務(wù)操作流程的目的,而且還降低了郵儲網(wǎng)點(diǎn)成本支出,最終達(dá)到提高整體柜面交易效率的關(guān)鍵目標(biāo)。并對今后郵政金融聯(lián)網(wǎng)核查打印管理軟件的推廣落地進(jìn)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.
【學(xué)位授予單位】：南京郵電大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2017
【分類號】：F618.3;F832.33;TP311.52
本文編號：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.
【學(xué)位授予單位】：南京郵電大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2017
【分類號】：F618.3;F832.33;TP311.52
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