TWI684934B - User identity query system - Google Patents

Abstract

A user identity query system used in an information system of a financial institution, which includes a central host, an identity query unit, an integrated operating platform, and an identity confirmation business unit. The identity query unit and the integrated operation platform are the host of the communication connection center. Identity confirmation business unit communication connection integrated operation platform. When the identity query unit receives the transaction information of the user of the electronic payment platform and determines that the user has completed the user identity confirmation, the identity query unit transmits the user's user identity confirmation result to the electronic payment platform. If it is determined that the user has not confirmed the user's identity, the identity confirmation business unit submits an identity verification request message to the credit data center, and transmits the user's identity confirmation result to the electronic payment platform through the center host or the identity query unit.

Description

User identity query system

The present invention relates to an information inquiry system, and more particularly to a user identity inquiry system for financial institutions.

With the vigorous development of e-commerce and the popularization of electronic payment services, long-distance online transactions have become an important transaction channel, and people are spending online on overseas consumption sites such as mainland shopping sites. In response to this trend, local bankers have launched services for local bank customers to pay online with chip cards from local banks when shopping on overseas shopping websites. This financial card payment method is free of foreign exchange settlement and can complete transactions in real time, making online shopping more convenient and cost-saving. Compared with the situation in which consumers have to pay higher fees for cross-border online payment by credit card and denominated in foreign currencies, using local bank financial cards can save more handling fees.

In this way, the number of people using chip financial card payment services will increase as a result, and the cross-border remittance business volume of financial institutions will also increase. In addition, when dealing with cross-border remittances, financial institutions must verify the identity of the financial card account in the transaction in order to comply with the regulations of the competent authority or transaction security, so as to prevent counterfeiting and reduce transaction risks. For example, when handling cross-border remittances, financial institutions must implement identity verification procedures and check with the Joint Levy Center, such as e-payment account users reporting cases and strengthening identity verification notes. As a result, the amount of processing related to identity authentication in the information system of financial institutions will also increase. For the central host of the information system of financial institutions that already has a large number of messages and businesses to deal with, the center will be increased. The computing and network resources of the mainframe are consumed and burdened, which affects the central mainframe and the performance of the overall information system.

An object of the present invention is to propose a user identity query system, which can be applied to an information system of a financial institution, thereby effectively reducing the consumption and burden on the computing and network resources of the central host by the processing of the user identity query , And can improve the overall efficiency of the user identity query processing.

To achieve at least the above objects, the present invention provides a user identity query system for use in an information system of a financial institution. The user identity query system includes a central host, an identity query unit, an integrated operating platform, and an identity confirmation business unit. Identity inquiry unit communication connection center host. Integrated operation platform communication connection center host. Identity confirmation business unit communication connection integrated operation platform. The integrated operating platform is used for message transmission and processing between the central host and the identity confirmation business unit. The identity confirmation business unit is used to integrate the message transmission and processing between the operating platform and the credit data center. When the identity query unit receives the transaction information of the user of the electronic payment platform, the identity query unit determines whether the user has completed the user identity confirmation; if the identity query unit determines that the user has completed the user identity confirmation, the identity query The unit transmits the user's user identity confirmation result to the electronic payment platform; if the identity query unit determines that the user has not confirmed the user's identity, the identity query unit notifies the central host to send a request message, the identity confirmation business unit passes The integrated operating platform receives the request message and accordingly submits the identity verification request message to the credit data center. The identity confirmation business unit outputs the user's identity confirmation result according to the verification result responded by the credit data center, and through the integrated operating platform and the central host or identity query unit Send the user's identity confirmation result to the electronic payment platform. If the identity query unit determines that the user identity confirmation has been completed for the user, the identity query unit transmits the user's user identity confirmation result to the electronic payment platform.

In one embodiment of the present invention, the central host sends the user identification confirmation result for the user to the identity query unit and stores it. When the identity query unit receives another transaction message about the user from the electronic payment platform, the identity The query unit determines that the user identity confirmation result for the user exists, and the identity query unit transmits the user identity confirmation result for the user to the electronic payment platform.

In one embodiment of the present invention, the identity query unit is further used to determine whether the number of transaction messages for the user within a time interval is greater than or equal to the threshold.

In one embodiment of the present invention, if the identity query unit determines that the number of transaction messages of the user in the time interval is greater than or equal to the threshold, the identity query unit notifies the center host to send the request message again to perform the user identity confirm.

In one embodiment of the present invention, if the identity query unit determines that the number of transaction messages of the user within the time interval is less than the threshold, the identity query unit transmits the user identity confirmation result for the user to the electronic payment platform , And the identity query unit no longer notifies the central host to perform user identity confirmation again for the user.

In one embodiment of the present invention, one of the identity query unit and the central host periodically sends a request message to the user to re-confirm the user identity to update the user identity confirmation result for the user.

In one embodiment of the present invention, when the identity query unit receives another transaction message about the user from the electronic payment platform, the identity query unit determines whether the user identity confirmation result and an identity verification key exist for the user; If the identity query unit determines that both the user identity confirmation result and the identity verification key for the user are present, the identity query unit sends the user identity confirmation result for the user to the electronic payment platform to notify the user of the electronic payment platform The transaction can be conducted.

In one embodiment of the present invention, if the identity query unit determines that both the user identity confirmation result and the identity verification key for the user do not exist, the identity query unit notifies the center host to send the request message again to perform the user identity confirm.

In one embodiment of the present invention, the identity verification key has a time limit. If the identity verification key has exceeded the limit, the identity query unit determines that the identity verification key does not exist because it has exceeded the limit.

In one embodiment of the present invention, the identity confirmation business unit communicates with the credit data center through a network server using a network service request.

In this way, the embodiment of the user identity query system can effectively reduce the consumption and burden on the computing and network resources of the central host by the processing of the user identity query, and can improve the overall processing of the user identity query s efficiency.

1‧‧‧User identity query system

10‧‧‧terminal device

20‧‧‧Electronic payment platform

30‧‧‧Web server

40‧‧‧Credit Information Center

100‧‧‧Central host

110‧‧‧ Identity Inquiry Unit

200‧‧‧Integrated operating platform

300‧‧‧ Identity confirmation business unit

400‧‧‧Calculating device

410‧‧‧Communication unit

420‧‧‧Processing unit

430‧‧‧Storage unit

S10~S70‧‧‧Step

[FIG. 1] is a block schematic diagram of an application scenario of an embodiment of a user identity query system.

[FIG. 2] is a block schematic diagram of another embodiment of a user identity query system.

[FIG. 3] is a schematic flowchart of an embodiment of an operation method of a user identity query system.

[FIG. 4] is a block diagram of an embodiment of a computing device.

In order to fully understand the purpose, features and efficacy of the present invention, the following specific embodiments and the accompanying drawings are used to explain the present invention in detail, as follows: Please refer to FIG. 1, which is a block diagram of an application scenario of an embodiment of a user identity query system. The user identity query system 1 is used in the information system of financial institutions, for example, as part of the information system of financial institutions. As shown in FIG. 1, the user identity query system 1 includes a central host 100, an identity query unit 110, an integrated operating platform 200, and an identity confirmation business unit 300. The identity query unit 110 communicates with the central host 100 through communication. The integrated operating platform 200 communicates with the central host 100 through communication. The identity confirmation business unit 300 communicates with the integrated operating platform 200 through communication. The integrated operating platform 200 is used for message transmission and processing between the central host 100 and the identity confirmation business unit 300. The identity confirmation business unit 300 is used to integrate the message transmission and processing between the operation platform 200 and the credit data center 40. For example, the identity confirmation business unit 300 can be implemented as an identity recognition platform, or it can be implemented using an internet banking platform or an electronic financial business management system. The credit reference center 40 is, for example, a joint credit reference center or any credit reference center or a combination thereof. However, the implementation of the present invention is not limited by these examples.

In the application scenario shown in FIG. 1, the user can make a purchase or any transaction on the cross-border website through the terminal device 10, so that a cross-border outbound transaction is required, so the terminal device 10 transfers the transaction information The information is transmitted to the electronic payment platform 20, for example, Caijin Corporation's cross-border electronic payment platform or other third-party payment platform. The terminal device 10 is, for example, a computing device such as a mobile device or a personal computer. In the embodiment of FIG. 1, when the identity query unit 110 receives the transaction information of the user of the electronic payment platform 20, the identity query unit 110 determines whether the user identity verification has been completed for the user. If the identity query unit 110 determines that the user has not confirmed the user's identity, the identity query unit 110 notifies the central host 100 to send a request message. The identity confirmation business unit 300 receives the request message through the integrated operation platform 200 and accordingly submits the identity verification request message to the credit data center 40. The identity confirmation business unit 300 outputs the user's identity confirmation result according to the verification result responded by the credit data center 40, and transmits the user's identity confirmation result through the integrated operation platform 200 and the center host 100 or the identity query unit 110 送到电子payment平台20. If the identity query unit 110 determines that the user identity confirmation has been completed for the user, the identity query unit 110 transmits the user's user identity confirmation result to the electronic payment platform 20. For example, if the user identity confirmation result exists for the user, it means that the user identity confirmation has been completed for the user.

As such, in the embodiment based on FIG. 1, the user identity query system 1 utilizes the identity query unit 110 and the identity confirmation business unit 300, thereby efficiently reducing the calculation and network of the central host 100 by the processing of the user identity query Resource consumption and burden, and can improve the overall efficiency of processing user identity queries.

In addition, in FIG. 1, the identity confirmation service unit 300 communicates with the credit data center 40 through the network server 30 using a web service request method, for example. However, the implementation of the present invention is not limited by these examples. The identity confirmation business unit 300 can also be implemented to communicate with the credit data center 40 using an application program interface or some communication protocol.

In addition, in an embodiment based on FIG. 1, the user uses the terminal device 10 to perform cross-border remittance of financial cards, or uses a mobile bank to cooperate with a two-dimensional barcode (such as a QR code) to perform cross-border remittance. For the financial institution to which the financial card belongs (such as a bank established in Taiwan), the user identity inquiry system 1 of the financial institution can check the “P33 electronic payment account user notification case and Strengthen identity confirmation annotation information." In this embodiment, the identity verification request message can be queried according to the method required to verify the "e-payment account user informs the case and strengthens the identification confirmation information" (the code is P33), where P33 is to input the identity of the natural person under investigation Check the identification number (if you are a foreigner, enter the unified identification number or tax number. The first eight digits of the tax number are the date of birth of the vid, and the last two digits are the two letters before the first word of the English name on the passport. ), or enter the unified number of the enterprise under investigation for inquiries. In this embodiment, the identity verification request message may carry the user's identity card number. In addition, There may be many fields in the verification result of the response of the credit data center 40. For example, if the user has indeed been notified, the account name, cause, date of occurrence, notification unit, account number, notification date, and explanatory data will be listed one by one under the "Notification of Case" section in the inspection results. For example, the information represented by the content of the field is "Electronic payment account type/fraud, money laundering" or "Electronic payment account type/submit false identity information" or other. In this embodiment, the identity confirmation service unit 300 outputs the user's identity confirmation result according to the verification result responded by the credit data center 40. There are many ways to generate the user's identity confirmation result. For example, the identity confirmation business unit 300 outputs the user's identity confirmation result by searching at least one or more specified fields in the verification results, where the specified fields are related to identity authentication or transaction risk, for example, "Notification The case or description field in the case. In addition, a judgment criterion can also be implemented in the identity confirmation business unit 300. For example, if there is no content of "notification case" in the inspection result, the user identity confirmation result is output as passed. If there is "Notification Case" in the inspection result and the field in "Notification Case" exists or the account name related to "Notification Case" matches the user name currently checked, the output user identity confirmation result is rejected. For example, if the content of the "notified case" is included in the inspection result, and the information represented by the content of the case or description field is "electronic payment account type / fraud, money laundering" or "electronic payment account type / submitting false identity information", Then the output of the user identity confirmation result is failed. Therefore, in the case where the user's identity confirmation result is not passed, the identity query unit 110 or the central host 100 may indicate to the electronic payment platform 20 that the user's transaction is rejected. In addition, in another embodiment, if the user has handled the enhanced identity confirmation note, the registration date, message type and message content will be listed one by one under the "enhanced identity confirmation note" in the inspection result. For example, the information represented by the type of message or the content of the message content field is related to "identity forgery cases" or other information. For example, if there is "Enhanced Identity Confirmation Note" in the inspection result, and the content of the message type or message content field represents information related to the "identity counterfeiting case", the user's identity confirmation result is output as Failed. In addition, the judgment criterion can be realized as Use one or more of the fields in the "Notification Case" and "Enhanced Identity Confirmation Note" in the inspection results as the basis for judgment to determine whether the user's identity confirmation result is passed or not. However, the implementation of the present invention is not limited by these examples.

The following further proposes various embodiments of a system architecture based on the user offloading system of FIG. 1 that utilizes load offloading to illustrate that under this architecture, the calculation and network of the central host 100 that can effectively reduce the processing of user identity queries can be generated Resource consumption and burden, and can improve the overall efficiency of the user identity query processing efficiency.

In an embodiment based on FIG. 1, the central host 100 transmits the user's identity confirmation result for the user to the identity query unit 110 and stores it. When the identity query unit 110 receives another user account of the electronic payment platform 20 During the transaction message, the identity query unit 110 determines that the user identity confirmation result for the user exists, and the identity query unit 110 transmits the user identity confirmation result for the user to the electronic payment platform 20. In this way, the identity query unit 110 no longer notifies the center host 100 to confirm the user identity again for the user, which can reduce the burden on the center host 100.

In an embodiment based on FIG. 1, the identity query unit 110 is further used to determine whether the number of transaction messages for the user within a time interval (such as 1 day, 2 days, or 3 days, etc.) is greater than the threshold value (such as 5 Times or other times). If the identity query unit 110 determines that the number of transaction messages of the user in the time interval is greater than or equal to the threshold, the identity query unit 110 notifies the central host 100 to send the request message again for user identity confirmation. In this way, the identity query unit 110 can avoid notifying the center host 100 to confirm the user identity again for the user when the user's transaction times are abnormal, which can reduce the risk of the transaction.

Furthermore, if the identity query unit 110 determines that the number of transaction messages of the user within the time interval is less than the threshold, the identity query unit 110 will confirm the user’s identity If it is sent to the electronic payment platform 20, and the identity query unit 110 no longer notifies the central host 100 to confirm the user identity again for the user. For example, in the case where the time interval is one day, if the user has confirmed the user's identity in the morning and obtained the user's identity confirmation result, the electronic payment platform 20 transmits the transaction message again or multiple times within the same day At this time, the identity query unit 110 can transmit the user identity confirmation result to the electronic payment platform 20 without requesting the center host 100 to confirm the user identity. In this way, the identity query unit 110 no longer notifies the center host 100 to confirm the user identity again for the user, which can reduce the burden on the center host 100. In addition, this embodiment can be further implemented such that one of the identity query unit 110 and the central host 100 periodically sends a request message to the user to re-confirm the user identity to update the user identity confirmation result for the user. In this way, the central host 100 or the identity query unit 110 automatically arranges an appropriate time for the user to confirm the user's identity again, which can reduce the burden on the central host 100. This embodiment is particularly suitable for scenarios where frequent users are found. For example, user identification can be selectively performed for frequent users during non-peak hours. In this way, the identity query unit 110 can avoid the burden on the system when the user's transactions are frequent, can prevent anti-counterfeiting and reduce the risk of transactions, and can also increase the efficiency of the response to the electronic payment platform 20.

In an embodiment based on FIG. 1, when the identity query unit 110 receives another transaction message about the user from the electronic payment platform 20, the identity query unit 110 determines the user identity confirmation result and identity verification key for the user Whether it exists; if the identity query unit 110 determines that both the user identity confirmation result and the identity verification key for the user are present, the identity query unit 110 transmits the user identity confirmation result for the user to the electronic payment platform 20 to notify Transactions for users of the electronic payment platform 20 can be conducted. In this way, the identity query unit 110 no longer notifies the central host 100 to confirm the user's identity again for the user, which can reduce the burden on the central host 100 and further improve the security by confirming whether the identity verification key exists. In addition, if the identity query unit 110 determines The user's user identity confirmation result and identity verification key do not all exist, then the identity query unit 110 notifies the center host 100 to send a request message again to confirm the user identity.

In an embodiment based on FIG. 1, the identity verification key has a time limit. If the identity verification key has exceeded the limit, the identity query unit 110 determines that the identity verification key does not exist because it has exceeded the limit. For example, the identity query unit 110 may receive the identity verification key of one of the users from the electronic payment platform 20 and store it in the identity query unit 110. In this way, the security of the transaction can be strengthened. In addition, the identity verification key may be generated on the user's terminal device 10 or generated by the terminal device 10 through the Internet banking platform of the financial institution. In addition, the identity verification key can be implemented using public-key encryption (public-key encryption) technology, and the identity query unit 110 receives the public key. In addition, the identity verification key can also be implemented as a verification code.

In one embodiment of the present invention, the integrated operating platform 200 can communicate with multiple business management systems to integrate various business management systems in financial institutions. The integrated operation platform 200 can distribute the pending messages to one of the plurality of business management systems according to the types of pending messages transmitted from the central host 100 and converge the reply messages from the other business management systems to the central host 100.

Please refer to FIG. 2, which is a block diagram of another embodiment of a user identity query system. As shown in FIG. 2, the identity query unit 110 can further communicate with the integrated operating platform 200, so that when the integrated operating platform 200 receives the user's identity confirmation result, it can be directly transmitted to the identity query unit 110, and the identity query The unit 110 transmits the confirmation result of the user identity of the user to the electronic payment platform. The user identity query system of FIG. 2 can also be applied to any other embodiments.

In addition, in an application scenario using any of the above embodiments, if the electronic payment platform has a large number of users (such as 1000, 5000, or 10000, etc.) who have conducted at least two cross-border transactions, the user identity query system After receiving transaction messages from these users, the user identity query system can To save at least 50% of the processing time, network and computing resources related to the internal information round-trip, communication with the credit data center and subsequent processing required for user identity confirmation. It can be seen that the embodiment of the user identity query system can effectively reduce the consumption and burden on the internal calculation and network resources of the user identity query system by the processing of the user identity query, and can improve the user identity The overall efficiency of query processing.

Please refer to FIG. 3, which is a schematic flowchart of an operation method of the user identity query system 1 according to an embodiment of the present invention.

As shown in step S10, the identity query unit 110 receives a transaction message from one of the users of the electronic payment platform 20. Step S10 may be implemented as the identity query unit 110 receives the transaction message from the electronic payment platform 20, or the identity query unit 110 receives the transaction message through the central host 100. As shown in step S20, the identity query unit 110 determines whether the user identity confirmation has been completed for the user. As shown in step S25, if the identity query unit 110 determines that the user identity confirmation has been completed for the user, the identity query unit 110 transmits the user's user identity confirmation result to the electronic payment platform 20. As shown in step S30, if the identity query unit 110 determines that the user has not confirmed the user's identity, the identity query unit 110 notifies the central host 100 to send a request message. As shown in step S40, the identity confirmation business unit 300 receives the request message through the integrated operating platform 200 and accordingly submits the identity verification request message to the credit data center 40. As shown in step S50, the identity confirmation service unit 300 outputs the user's identity confirmation result according to the verification result responded by the credit data center 40. As shown in step S60, the identity confirmation business unit 300 transmits the user identity confirmation result to the central host 100 or the identity query unit 110 through the integrated operating platform 200. As shown in step S70, the user identity confirmation result is transmitted to the electronic payment platform 20. The steps or processes in the above method embodiments may be repeatedly executed to deal with the transaction information of the electronic payment platform. In addition, the embodiments of the above method can also be applied to any other embodiments.

In addition, please refer to FIG. 4, which is a schematic block diagram of an exemplary embodiment of a computing device. According to the architecture of the computing device of FIG. 3, a terminal device or a server can be further implemented. As shown in FIG. 4, the computing device 400 includes a communication unit 410, a processing unit 420 and a storage unit 430. The communication unit 410 can perform signal connection with a network or other computing devices in a wired or wireless manner. The processing unit 420 is electrically coupled to the communication unit 410. The storage unit 430 is electrically coupled to the processing unit 420, and is used to store data such as messages or inspection results.

In an embodiment, the computing device 400 may be implemented as a server. Any one of the aforementioned central host 100, identity query unit 110, integrated operating platform 200, and identity confirmation business unit 300 can be implemented using one or more servers. For example, the communication unit 410 of the computing device 400 is used to establish a communication link with at least one of a frequency band network, an optical fiber network, a wireless local area network, and a mobile communication network. The storage unit 430 is, for example, a storage device, a database, a network storage, or a combination thereof. For example, the identity query unit 110 may be implemented using a database server, which may use the database to store user identity confirmation results, and may be configured or programmed to implement one of the foregoing embodiments or a combination thereof.

In another embodiment, the computing device 400 may be implemented as a terminal device (such as 10). The terminal device may further include a display unit, a touch display unit, or other units or circuits, so as to implement a computing device, such as a smart phone, a tablet computer, a notebook computer, or a desktop computer.

In this way, the embodiment of the user identity query system can effectively reduce the consumption and burden on the computing and network resources of the central host by the processing of the user identity query, and can improve the overall processing of the user identity query s efficiency.

The present invention has been disclosed in the above with preferred embodiments, but those skilled in the art should understand that this embodiment is only used to depict the present invention and should not be interpreted as limiting the scope of the present invention. Should be noted However, all changes and substitutions equivalent to this embodiment should be included in the scope of the present invention. Therefore, the scope of protection of the present invention shall be subject to those defined in the scope of patent application.

1‧‧‧User identity query system

10‧‧‧terminal device

20‧‧‧Electronic payment platform

30‧‧‧Web server

40‧‧‧Credit Information Center

100‧‧‧Central host

110‧‧‧ Identity Inquiry Unit

200‧‧‧Integrated operating platform

300‧‧‧ Identity confirmation business unit

Claims (8)

A user identity query system is used in an information system of a financial institution. The user identity query system includes: a central host; an identity query unit that communicates with the center host; an integrated operating platform that communicates with the center host ; And an identity confirmation business unit, which is communicatively connected to the integrated operation platform; wherein the integrated operation platform is used for message transmission and processing between the center host and the identity confirmation business unit; the identity confirmation business unit is used for the integrated operation platform Message transmission and processing with a credit data center, wherein when the identity query unit receives a transaction message from a user of the electronic payment platform, the identity query unit determines whether the user identity has been completed for the user Confirmation; if the identity query unit determines that the user identity confirmation has been completed for the user, the identity query unit transmits the user's user identity confirmation result to the electronic payment platform; if the identity query unit determines the If the user has not confirmed the user’s identity, the identity query unit notifies the center host to send a request message. The identity confirmation business unit receives the request message through the integrated operating platform and accordingly submits the identity verification to the credit data center Request message, the identity confirmation business unit outputs the user's identity confirmation result according to the verification result responded by the credit data center, and transmits the user's identity confirmation result to the electronic through the integrated operation platform and the center host or the identity query unit Payment platform; The center host sends the user's identity confirmation result for the user to the identity query unit and stores it. When the identity query unit receives another transaction message about the user from the electronic payment platform, the identity The query unit determines that the user identity confirmation result for the user exists, then the identity query unit transmits the user identity confirmation result for the user to the electronic payment platform; wherein the identity query unit is further used to determine Whether the number of transaction messages of the user in a time interval is greater than or equal to a threshold. The user identity query system as described in claim 1, wherein if the identity query unit determines that the number of transaction messages of the user within the time interval is greater than or equal to the threshold, the identity query unit notifies the center The host sends the request message again to confirm the user's identity. The user identity query system as described in claim 2, wherein if the identity query unit determines that the number of transaction messages of the user in the time interval is less than the threshold, the identity query unit will target the user The user's identity confirmation result is sent to the electronic payment platform, and the identity query unit no longer notifies the center host to perform user identity confirmation again for the user. The user identity query system as described in claim 1, wherein one of the identity query unit and the center host periodically sends the request message to the user to re-confirm the user identity to update the usage for the user The identity of the person is confirmed. The user identity query system according to claim 1, wherein when the identity query unit receives another transaction message about the user from the electronic payment platform, the identity query The inquiry unit judges whether the user identity confirmation result and an identity verification key for the user exist; if the identity inquiry unit determines that the user identity confirmation result and the identity verification key for the user both exist, The identity query unit transmits the user identity confirmation result for the user to the electronic payment platform to notify the electronic payment platform that the user's transaction can be conducted. The user identity query system according to claim 5, wherein if the identity query unit determines that both the user identity confirmation result and the identity verification key for the user do not exist, the identity query unit notifies the center The host sends the request message again to confirm the user's identity. The user identity query system as described in claim 5, wherein the identity verification key has a time limit, and if the identity verification key has exceeded the limit, the identity query unit determines that the identity verification key has exceeded the limit does not exist. The user identity query system as described in claim 1, wherein the identity confirmation business unit communicates with the credit data center using a network service request method.

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