METHOD OF AUTHENTICATING BANK ACCOUNT HOLDER DURING REMOTE BANKING SERVICE

摘要

FIELD: information technology.;SUBSTANCE: method of authenticating a bank account holder during a remote banking service using biometric properties of the face of the bank account holder is characterised by that when opening a bank account and/or issuing a bank card, a photograph of the account holder is taken and then stored in electronic form in the database of the bank and the bank card memory, and when conducting account transactions using a computer, a mobile telephone, an ATM, a point-of-sale terminal an image of the face of the person conducting a transaction via a web camera, an optical scanner, installed on the used hardware, is transmitted to the database of the bank, wherein the computer of the bank compares the obtained image with the image stored in the database of the bank, and authorises the transaction if the images are identical, or bars the transaction if the images do not match, and the card is blocked by the ATM at the instruction of the card issuer.;EFFECT: high reliability of authenticating a bank account holder.