TWI638326B - Method of prelogin preview for online bank and system thereof - Google Patents
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Abstract
本發明提供一種網路銀行登入前預覽系統，適於設於一伺服器端，其可用於一網路銀行系統，其包含：一身分代碼加密/驗證模組；及一查詢模組；其中該身分代碼加密/驗證模組係利用使用者之網路銀行系統使用者代號（ID）加密產生一身分代碼（token），並將該token儲存於該伺服器端；該身分代碼加密/驗證模組若接收到使用者端傳送的一驗證資訊，與該token比對並通過驗證，該查詢模組會將使用者預先設定可預覽之帳務資訊傳送至使用者端，或將其交由該身分代碼加密/驗證模組傳送至使用者端。The present invention provides an online banking pre-login preview system, which is suitable for being provided on a server end, which can be used in an online banking system, comprising: an identity code encryption/verification module; and a query module; The identity code encryption/verification module encrypts and generates a token by using the user's online banking system user ID (ID), and stores the token on the server; the identity code encryption/verification module If the verification information transmitted by the user end is received, compared with the token and verified, the query module transmits the pre-set previewable account information to the user end, or submits the identity information to the user. The code encryption/verification module is transmitted to the user.
Description
本發明係關於一種網路金融方法及系統，特別是一種網路銀行登入前預覽方法及系統。The invention relates to a network financial method and system, in particular to a method and system for previewing an online banking login.
現有的網路銀行之電腦或App使用者介面多需輸入使用者的身分證字號、使用者密碼、使用者代號後登入（完成安全性的認證），方能進行個人資訊的檢視。缺點為使用者須輸入所有的上述資訊才能進行簡易的帳務或帳戶資訊查詢，較不方便。The existing online banking computer or App user interface needs to input the user's identity card number, user password, user code and login (to complete the security certification) before viewing the personal information. The disadvantage is that the user has to enter all the above information in order to carry out simple accounting or account information inquiry, which is inconvenient.
因此，仍亟需一種兼具方便性及安全性之網路銀行登入前預覽方法及系統。Therefore, there is still a need for a pre-login preview method and system for convenience and security.
在一方面，本發明提供一種網路銀行登入前預覽系統，適於設於一伺服器端，其可用於一網路銀行系統，其包含：一身分代碼加密/驗證模組；及一查詢模組；其中該身分代碼加密/驗證模組係利用使用者之網路銀行系統使用者代號（ID）加密產生一身分代碼（token），並將該token儲存於該伺服器端；該身分代碼加密/驗證模組若接收到使用者端傳送的一驗證資訊，與該token比對並通過驗證，該查詢模組會將使用者預先設定可預覽之帳務資訊傳送至使用者端，或將其交由該身分代碼加密/驗證模組傳送至使用者端。In one aspect, the present invention provides an online banking pre-login preview system, which is adapted to be located at a server end, which can be used in an online banking system, comprising: an identity code encryption/verification module; and a query mode a group; wherein the identity code encryption/verification module encrypts a token (token) by using a user's online banking system user ID (ID), and stores the token on the server; the identity code is encrypted. If the verification module receives a verification message transmitted by the user terminal, compares with the token and passes the verification, the query module transmits the pre-set preview account information to the user terminal, or The identity code encryption/verification module is transmitted to the user end.
在本發明之部分具體實施例中，該網路銀行登入前預覽系統進一步包含一使用者端軟體產品。在一具體實施例中，該身分代碼加密/驗證模組亦將該token交由該使用者端軟體產品儲存於該使用者之個人裝置。In some embodiments of the present invention, the online banking pre-login preview system further includes a client software product. In one embodiment, the identity code encryption/verification module also stores the token in the personal device of the user by the client software product.
根據本發明，該驗證資訊可包括該token。在本發明之一具體實施例中，該驗證資訊為該token。According to the invention, the verification information may include the token. In an embodiment of the invention, the verification information is the token.
根據本發明之較佳具體實施例，該ID為該使用者之身分證字號。According to a preferred embodiment of the present invention, the ID is the identity card number of the user.
根據本發明之較佳具體實施例，該身分代碼加密/驗證模組係在該網路銀行系統設定為記憶該ID的前提下，才會進行加密或通過驗證，以提高系統安全性。According to a preferred embodiment of the present invention, the identity code encryption/verification module performs encryption or verification after the online banking system is set to memorize the ID to improve system security.
另一方面，本發明提供一種網路銀行登入前預覽方法，其可用於一網路銀行系統，其包含：一身分代碼加密/驗證模組利用使用者之網路銀行系統使用者代號（ID）加密產生一身分代碼（token），並將該token儲存於一伺服器端；及該身分代碼加密/驗證模組若接收到使用者端傳送的一驗證資訊，與該token比對並通過驗證，該查詢模組將使用者預先設定可預覽之帳務資訊傳送至使用者端，或將其交由該身分代碼加密/驗證模組傳送至使用者端。In another aspect, the present invention provides an online banking pre-login preview method, which can be used in an online banking system, comprising: an identity code encryption/verification module utilizing a user's online banking system user code (ID) Encrypting generates a token (token) and storing the token on a server end; and the identity code encryption/verification module receives a verification message transmitted by the user end, compares the token with the token, and passes the verification. The query module transmits the pre-set previewable account information to the user end, or transfers the account information to the user end by the identity code encryption/verification module.
在本發明之部分具體實施例中，該網路銀行登入前預覽方法進一步包含以下步驟：該身分代碼加密/驗證模組將該token交由一使用者端軟體產品，該使用者端軟體產品將該token儲存於該使用者之個人裝置。In some embodiments of the present invention, the online banking pre-login preview method further includes the following steps: the identity code encryption/verification module hands the token to a client software product, and the client software product The token is stored in the user's personal device.
根據本發明，該驗證資訊可包括該token。在本發明之一具體實施例中，該驗證資訊為該token。According to the invention, the verification information may include the token. In an embodiment of the invention, the verification information is the token.
根據本發明之較佳具體實施例，該ID為該使用者之身分證字號。According to a preferred embodiment of the present invention, the ID is the identity card number of the user.
根據本發明之較佳具體實施例，該身分代碼加密/驗證模組係在該網路銀行系統設定為記憶該ID的前提下，才進行加密或通過驗證，以提高安全性。According to a preferred embodiment of the present invention, the identity code encryption/verification module performs encryption or verification after the online banking system is set to memorize the ID to improve security.
本發明之其他目的及優點一部分記載於下述說明中，或可透過本發明的實施例而理解。應了解前文之發明內容及下文之實施方式僅為例示性及闡釋性之說明，而非如申請專利範圍般限定本發明。Other objects and advantages of the invention will be set forth in the description which follows. It is to be understood that the foregoing description of the invention and the invention are intended to
除非另有指明，所有在此處使用的技術性和科學性術語具有如同本創作所屬技藝中之通常技術者一般所瞭解的意義。All technical and scientific terms used herein have the meaning as commonly understood by one of ordinary skill in the art to which the present invention pertains, unless otherwise indicated.
本文所使用的「一」乙詞，如未特別指明，係指至少一個（一個或一個以上）之數量。The term "a" as used herein, unless otherwise specified, refers to the quantity of at least one (one or more).
在一方面，本發明提供一種網路銀行登入前預覽系統，適於設於一伺服器端，其可用於一網路銀行系統，其包含：一身分代碼加密/驗證模組；及一查詢模組；其中該身分代碼加密/驗證模組係利用使用者之網路銀行系統使用者代號（ID）加密產生一身分代碼（token），並將該token儲存於該伺服器端；該身分代碼加密/驗證模組若接收到使用者端傳送的一驗證資訊，與該token比對並通過驗證，該查詢模組會將使用者預先設定可預覽之帳務資訊傳送至使用者端，或將其交由該身分代碼加密/驗證模組傳送至使用者端。In one aspect, the present invention provides an online banking pre-login preview system, which is adapted to be located at a server end, which can be used in an online banking system, comprising: an identity code encryption/verification module; and a query mode a group; wherein the identity code encryption/verification module encrypts a token (token) by using a user's online banking system user ID (ID), and stores the token on the server; the identity code is encrypted. If the verification module receives a verification message transmitted by the user terminal, compares with the token and passes the verification, the query module transmits the pre-set preview account information to the user terminal, or The identity code encryption/verification module is transmitted to the user end.
該token可使用本領域中已知的方法產生，其可為任何合適之字元，包括但不限於數字、英文字母、符號及其組合。The token can be generated using methods known in the art, which can be any suitable character including, but not limited to, numbers, English letters, symbols, and combinations thereof.
在本發明之部分具體實施例中，該網路銀行登入前預覽系統進一步包含一使用者端軟體產品。在一具體實施例中，該身分代碼加密/驗證模組亦將該token交由該使用者端軟體產品儲存於該使用者之個人裝置。In some embodiments of the present invention, the online banking pre-login preview system further includes a client software product. In one embodiment, the identity code encryption/verification module also stores the token in the personal device of the user by the client software product.
該使用者端軟體產品包括但不限於行動軟體（mobile application, App），其適於安裝於使用者之個人裝置，並可提供該網路銀行系統之一使用者介面。The client software product includes, but is not limited to, a mobile application (App), which is adapted to be installed on a user's personal device, and can provide a user interface of the online banking system.
根據本發明，該驗證資訊至少包括該token。在本發明之一具體實施例中，該驗證資訊為該token。According to the invention, the verification information includes at least the token. In an embodiment of the invention, the verification information is the token.
在本發明之較佳具體實施例中，該ID為該使用者之身分證字號。In a preferred embodiment of the invention, the ID is the identity card number of the user.
根據本發明之較佳具體實施例，該身分代碼加密/驗證模組係在該網路銀行系統設定為記憶該ID的前提下，才會進行加密或通過驗證，以提高系統安全性。According to a preferred embodiment of the present invention, the identity code encryption/verification module performs encryption or verification after the online banking system is set to memorize the ID to improve system security.
在本發明之一具體實施例中，該網路銀行登入前預覽系統進一步包含一使用者端軟體產品，且該身分代碼加密/驗證模組係在該軟體產品設定為記憶該ID（由使用者設定）的前提下，才會進行加密或通過驗證。In an embodiment of the present invention, the online banking pre-login preview system further includes a client software product, and the identity code encryption/verification module is configured to memorize the ID in the software product (by the user) Encryption or verification will be performed on the premise of setting).
另一方面，本發明提供一種網路銀行登入前預覽方法，其可用於一網路銀行系統，其包含：一身分代碼加密/驗證模組利用使用者之網路銀行系統使用者代號（ID）加密產生一身分代碼（token），並將該token儲存於一伺服器端；及該身分代碼加密/驗證模組若接收到使用者端傳送的一驗證資訊，與該token比對並通過驗證，該查詢模組將使用者預先設定可預覽之帳務資訊傳送至使用者端，或將其交由該身分代碼加密/驗證模組傳送至使用者端。In another aspect, the present invention provides an online banking pre-login preview method, which can be used in an online banking system, comprising: an identity code encryption/verification module utilizing a user's online banking system user code (ID) Encrypting generates a token (token) and storing the token on a server end; and the identity code encryption/verification module receives a verification message transmitted by the user end, compares the token with the token, and passes the verification. The query module transmits the pre-set previewable account information to the user end, or transfers the account information to the user end by the identity code encryption/verification module.
該token可使用本領域中已知的方法產生，其可為任何合適之字元，包括但不限於數字、英文字母、符號及其組合。The token can be generated using methods known in the art, which can be any suitable character including, but not limited to, numbers, English letters, symbols, and combinations thereof.
在本發明之部分具體實施例中，該網路銀行登入前預覽方法進一步包含以下步驟：該身分代碼加密/驗證模組將該token交由一使用者端軟體產品，該使用者端軟體產品將該token儲存於該使用者之個人裝置。In some embodiments of the present invention, the online banking pre-login preview method further includes the following steps: the identity code encryption/verification module hands the token to a client software product, and the client software product The token is stored in the user's personal device.
該根據本發明，驗證資訊可包括該token。在本發明之一具體實施例中，該驗證資訊為該token。According to the invention, the verification information may include the token. In an embodiment of the invention, the verification information is the token.
根據本發明之較佳具體實施例，該ID為該使用者之身分證字號。According to a preferred embodiment of the present invention, the ID is the identity card number of the user.
根據本發明之較佳具體實施例，該身分代碼加密/驗證模組係在該網路銀行系統設定為記憶該ID的前提下，才進行加密或通過驗證，以提高安全性。According to a preferred embodiment of the present invention, the identity code encryption/verification module performs encryption or verification after the online banking system is set to memorize the ID to improve security.
在本發明之一具體實施例中，該網路銀行登入前預覽方法進一步包含以下步驟：該身分代碼加密/驗證模組將該token交由一使用者端軟體產品，該使用者端軟體產品將該token儲存於該使用者之個人裝置，此外，該身分代碼加密/驗證模組係在該軟體產品設定為記憶該ID的前提下，才會進行加密或通過驗證。In an embodiment of the present invention, the online banking pre-login preview method further includes the following steps: the identity code encryption/verification module hands the token to a client software product, and the client software product The token is stored in the personal device of the user. In addition, the identity code encryption/verification module performs encryption or verification after the software product is set to memorize the ID.
具體而言，所述身分代碼加密/驗證模組及查詢模組可透過程式設計或軟體技術實現。Specifically, the identity code encryption/verification module and the query module can be implemented by programming or software technology.
現參照圖1 說明本發明之網路銀行登入前預覽系統的一較佳具體實施例如下。 1 illustrates one preferred embodiment of the present invention sign online banking system, such as the preview before Referring now to FIG.
如圖1 之系統架構圖所示，本發明之網路銀行登入前預覽系統適於設於一伺服器端100 ，其可配合一網路銀行系統使用。本具體實施例中之網路銀行登入前預覽系統包含一身分代碼加密/驗證模組10 以及一查詢模組20 。使用者可於一使用者端200 透過一個人裝置中之App提供之該網路銀行系統之使用者介面登入網路銀行，使用者可進一步設定開啟登入前預覽功能，並選擇可供預覽之項目（例如，帳戶餘額、信用卡本期消費及（網路銀行）投資參考報酬率），上述設定結果可彙整成設定資訊30 ，儲存於該伺服器端100 。此外，該App將要求若要開啟登入前預覽功能，使用者必須設定由該網路銀行系統（或該App）記憶其網路銀行系統使用者代號（ID）。設定完成後，該App會將該ID傳送至該伺服器端100 ，該身分代碼加密/驗證模組10 會利用該ID加密產生專屬於該使者之一身分代碼（token），將該token儲存於該伺服器端100 ，並將該token傳送回使用者端200 由該App儲存於該個人裝置。此後，該使用者在登出網路銀行之狀態下，如擬執行預覽，該App會傳送一驗證資訊（包括該token）至該伺服器端100 ，該身分代碼加密/驗證模組10 會比對接收到的token與儲存於該伺服器端100 之token，若token一致則通過驗證。驗證通過後，該查詢模組20 會根據該設定資訊30 ，將設定為可預覽之帳務資訊40 ，交由該身分代碼加密/驗證模組10 傳送至該使用者端200 。在另一具體實施例中，亦可由該查詢模組20 直接將帳務資訊40 傳送至該使用者端200 。As shown in the system architecture diagram of FIG. 1 , the online banking pre-login preview system of the present invention is adapted to be provided on a server terminal 100 , which can be used in conjunction with an online banking system. The online banking pre-login preview system in this embodiment includes an identity code encryption/verification module 10 and a query module 20 . The user can log in to the online banking through a user interface of the online banking system provided by the app in the personal device 200 , and the user can further set the preview function before opening the login and select the item for previewing ( For example, the account balance, credit card current consumption, and (Internet banking) investment reference rate of return), the above setting results can be aggregated into setting information 30 and stored on the server end 100 . In addition, the app will require that to enable the pre-login preview feature, the user must set the online banking system (or the app) to remember its online banking system user ID (ID). After the setting is completed, the App transmits the ID to the server end 100 , and the ID code encryption/verification module 10 uses the ID encryption to generate a token unique to the messenger, and stores the token in the token. The server end 100 transmits the token back to the user terminal 200 and is stored by the App on the personal device. Thereafter, when the user logs out of the online banking, if the preview is to be executed, the app transmits a verification information (including the token) to the server end 100 , and the identity code encryption/verification module 10 compares The token received and the token stored in the server end 100 are verified if the token is identical. After the verification, the module 20 will query the information according to the setting 30, the accounting information may be set to the preview 40, referred to the identity code encryption / authentication module 10 is transmitted to the user terminal 200. In another embodiment, the accounting information 40 can also be directly transmitted to the user terminal 200 by the query module 20 .
本發明之網路轉帳方法可配合本發明之網路轉帳系統實現，同時參照圖1 及圖2 詳述如下。The network transfer method of the present invention can be implemented in conjunction with the network transfer system of the present invention, and is described in detail below with reference to FIGS. 1 and 2 .
圖2 為對應於本發明之網路銀行登入前預覽方法的一較佳具體實施例之流程圖。如圖1-2 所示及如上所述，在使用者於該使用者端200 完成登入前 預覽之相關設定後，身分代碼加密/驗證模組10 利用使用者之網路銀行系統使用者代號（ID）加密產生一身分代碼（token），並將該token儲存於一伺服器端100 （步驟S210 ）；其後，該身分代碼加密/驗證模組10 若接收到使用者200 端傳送的驗證資訊，會與儲存於伺服器端100 之token比對（步驟S220 ）。若通過驗證，該查詢模組20 將使用者預先設定可預覽之帳務資訊傳送至使用者端200 ，或將其交由該身分代碼加密/驗證模組10 傳送至使用者端200 （步驟S230 ）。若未通過驗證，該身分代碼加密/驗證模組10 可傳送驗證失敗訊息至使用者端200 （步驟S225 ）。 2 is a flow chart of a preferred embodiment of a pre-login preview method corresponding to the online banking of the present invention. As described above and as shown in Figure 1-2, after the user completes the preview of the associated sign is set in front of the user's end 200, the identity of code encryption / authentication module 10 of the user using the Internet banking system, a user code ( ID) encrypts a token (token) and stores the token in a server terminal 100 (step S210 ); thereafter, the identity code encryption/verification module 10 receives the verification information transmitted by the user 200 It will be compared with the token stored in the server terminal 100 (step S220 ). If the user is verified, this module 20 will query the user to preview a predetermined accounting information sent to the user terminal 200 of, referred to the identity or to the code encryption / authentication module 10 is transmitted to the terminal 200 (step S230 ). If the verification is not passed, the identity code encryption/verification module 10 can transmit a verification failure message to the user terminal 200 (step S225 ).
100 伺服器端10 身分代碼加密/驗證模組20 查詢模組30 設定資訊40 預覽資訊200 使用者端 100 server end 10 identity code encryption / verification module 20 query module 30 setting information 40 preview information 200 user side
圖1顯示對應於本發明之一較佳具體實施例之系統架構圖。1 shows a system architecture diagram corresponding to a preferred embodiment of the present invention.
圖2 顯示對應於本發明之一較佳具體實施例之流程圖。Figure 2 shows a flow chart corresponding to a preferred embodiment of the present invention.
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| TW105209756U TWM536774U (en) | 2016-04-26 | 2016-06-29 | Online fund transfer system |
| TW105211928U TWM535366U (en) | 2016-04-26 | 2016-08-05 | Online fund transfer system |
| TW105125074A TWI638326B (en) | 2016-04-26 | 2016-08-05 | Method of prelogin preview for online bank and system thereof |
| TW105211929U TWM534393U (en) | 2016-04-26 | 2016-08-05 | System of prelogin preview for online bank |
| TW105125073A TWI640938B (en) | 2016-04-26 | 2016-08-05 | Online fund transfer methods and systems |
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| TWI607402B (en) * | 2016-04-26 | 2017-12-01 | 台新國際商業銀行股份有限公司 | Online fund transfer methods and systems |
| TWI810435B (en) * | 2020-02-20 | 2023-08-01 | 財金資訊股份有限公司 | System and method for mobile phone number transfer agreement |
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| TW201721542A (en) | 2017-06-16 |
| TW201721559A (en) | 2017-06-16 |
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| TWM534393U (en) | 2016-12-21 |
| TWI607402B (en) | 2017-12-01 |
| TWI640938B (en) | 2018-11-11 |
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