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GB/T 42930-2023: Internet finance - Technical requirements for personal identification
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Internet finance - Technical requirements for personal identification
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GB/T 42930-2023
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Basic data | Standard ID | GB/T 42930-2023 (GB/T42930-2023) | | Description (Translated English) | Internet finance - Technical requirements for personal identification | | Sector / Industry | National Standard (Recommended) | | Classification of Chinese Standard | A11 | | Classification of International Standard | 03.060 | | Word Count Estimation | 26,279 | | Date of Issue | 2023-08-06 | | Date of Implementation | 2023-12-01 | | Issuing agency(ies) | State Administration for Market Regulation, China National Standardization Administration | GB/T 42930-2023: Internet finance - Technical requirements for personal identification---This is a DRAFT version for illustration, not a final translation. Full copy of true-PDF in English version (including equations, symbols, images, flow-chart, tables, and figures etc.) will be manually/carefully translated upon your order.
ICS 03.060
CCSA11
National Standards of People's Republic of China
Internet financial personal identification technical requirements
Published on 2023-08-06
Implemented on 2023-12-01
State Administration for Market Regulation
Released by the National Standardization Administration Committee
Table of contents
Preface III
Introduction IV
1 Scope 1
2 Normative reference documents 1
3 Terms and Definitions 1
4 Abbreviations 3
5 Personal Identification Technology Framework 3
5.1 Framework and the role of each component 3
5.2 Main functions implemented by personal identity recognition 4
6 Technical requirements for personal identification credentials 4
6.1 Overview 4
6.2 Memorized Credentials Class 5
6.3 OTP Token 6
6.4 Digital Certificate 7
6.5 Biometrics 8
6.6 Mobile phone number authentication 9
7 Personal Identification Technology Requirements 9
7.1 General requirements 9
7.2 Personal identification combined with financial risk prevention and control10
7.3 Personal identification factor 10
7.4 Continuous personal identification11
8 Personal Identification Security Requirements11
Appendix A (informative) Suggestions for application of personal identification technology in typical scenarios 14
Appendix B (informative) Typical business process 16
B.1 Typical general process16
B.2 Personal identity verification16
B.3 Credential Generation17
B.4 Personal Identification18
Reference 20
Foreword
This document complies with the provisions of GB/T 1.1-2020 "Standardization Work Guidelines Part 1.Structure and Drafting Rules of Standardization Documents"
Drafting.
Please note that some content in this document may be subject to patents. The publisher of this document assumes no responsibility for identifying patents.
This document is under the jurisdiction of the National Financial Standardization Technical Committee (SAC/TC180).
This document was drafted by. China Internet Finance Association, Alipay (China) Network Technology Co., Ltd., China Construction Bank Co., Ltd.
Company, China UnionPay Co., Ltd., Beijing Megvii Technology Co., Ltd., Beijing Tongdun Technology Co., Ltd., Agricultural Bank of China Co., Ltd.
Company, Shanghai Qiyu Information Technology Co., Ltd., Zhengtong Co., Ltd., JD Technology Holdings Co., Ltd., PICC Financial Services Co., Ltd.
Company, Bank of Xi'an Co., Ltd., Lakala Payment Co., Ltd., Haitong Securities Co., Ltd., Essence Securities Co., Ltd.
Company, China Mutual Data Technology Co., Ltd.
The main drafters of this document. Lu Shuchun, Zhu Yong, Wang Xinhua, Jin Panshi, Liu Yanqing, Peng Jin, Lin Guanchen, Li Wulu, Wang Qi, Mei Jingqing,
Guo Zhenhua, Zhao Feng, Ma Dan, Guofeng, Liu Tao, Chen Peiyao, Wu Ranqing, Zhou Chao, Xu Rong, Mi Jianning, Wang Jian, Gao Yanping, Gao Feirong, Guo Yue,
Duan Sulong, Li Jian.
Introduction
With the rapid development of Internet financial services, the demand for personal identification in financial services is also growing rapidly. in internet environment
Meeting the strict real-name authentication requirements of relevant regulatory agencies for the financial industry is one of the issues that all parties involved in the Internet finance industry urgently need to solve.
Implementing this document will help achieve the balance between personal information protection, information security, data security and transaction convenience in Internet financial services.
A good balance can be achieved to help relevant institutions realize mutual recognition of the credibility of personal identity recognition and promote the effective development of financial industry services using the Internet as a channel.
development and promote the orderly development of Internet finance.
Internet financial personal identification technical requirements
1 Scope
This document specifies the technical requirements for personal identification applied to Internet financial services, including technical framework, credential technical requirements, identification
Identification technical requirements and security requirements.
This document applies to services and activities related to personal identification in Internet financial services.
2 Normative reference documents
The contents of the following documents constitute essential provisions of this document through normative references in the text. Among them, the dated quotations
For undated referenced documents, only the version corresponding to that date applies to this document; for undated referenced documents, the latest version (including all amendments) applies to
this document.
GB/T 27912-2011 Biometric security framework for financial services
GB/T 35273-2020 Information Security Technology Personal Information Security Specifications
GB/T 37036.1-2018 Information technology biometric identification of mobile devices Part 1.General requirements
GB/T 40660 Basic requirements for biometric information protection in information security technology
GM/T 0028-2014 Security technical requirements for cryptographic modules
3 Terms and definitions
The following terms and definitions apply to this document.
3.1
internet finance internetfinance
Utilize Internet technology and information and communication technology to realize new financial business models of financing, payment, investment and information intermediary services.
3.2
Credential
certificate
Data used to identify an individual.
Note 1.In this document, credentials are generated during the personal identity verification (3.4) stage.
Note 2.In the field of Internet finance, typical credentials include digital certificates, static passwords, dynamic passwords, biometric identification information, etc.
[Source. ISO 12812-1.2017, 3.10, modified]
3.3
The process of establishing an individual's claimed identity with a specified level of confidence.
Note. Personal identity recognition usually includes two processes. personal identity verification (3.4) and personal identity identification (3.5).
3.4
Initial personal identification
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