TWI773877B - Online account opening system and method and computer program product - Google Patents

Abstract

The invention discloses an online account opening system, comprising: a mobile terminal, which loads an electronic file for account opening from a server in an account opening process, the mobile terminal is configured with a touch screen, a front image capturing module, and a control module, wherein the control module is configured to perform: providing the electronic document and a confirmation key to be displayed on the touch screen during the account opening process; receiving a confirmation message triggered by the confirmation key from the touch screen, Associate the confirmation message with a timestamp to notify the server; enable the front-end image capture module to capture a dynamic image information and display it on the touch screen, and receive a track from the touch screen information; and establishing an association between the moving image information and the track information and the timestamp to notify the server.

Description

Online account opening system and method and computer program product

The present invention discloses a system and method related to financial services and a computer program product, especially an online account opening system and method and a computer program product.

In current financial operations, for account business that requires identity verification, most account holders will personally go to the company or bank where they want to open an account to facilitate identity verification.

Generally, accounts that require strict identity authentication are mostly in need of money flow. Therefore, in order to ensure that the account holder is the same as the account owner, and to avoid subsequent disputes, the account holder must prepare various items during business hours of the bank or company. Personal identification documents and information, go to the counter in person to perform the account opening procedure. In the process of opening an account, the account holder must fill in and sign the documents one by one, as well as various agreed contracts under the law, so the overall process takes a long time to work. And for a specific account type such as a bank, since its operating hours often conflict with the working hours of general users, it is not easy for users to open an account in person. In addition, during the account opening process, bank personnel must witness the account holder reviewing the contents of the contract, and witness the account holder filling out and signing numerous forms and documents in person, which requires a lot of work time. The account holder needs to take time to go to the enterprise company and the bank for processing, but still cannot allocate enough time to complete the whole process, and if there are a large number of applicants, it is also inconvenient to wait for a long time.

In order to improve this deficiency, the Financial Regulatory Commission of the Republic of China previously announced that the establishment of a digital banking environment (Bank3.0) was officially launched, and it was relaxed for securities companies to provide investors with online application for opening accounts; the previously released Fintech Development Strategy White Paper mentioned expanding Online financial services, account holders can apply for account opening online (banking, securities). However, in order to avoid opening accounts with false identity, financial service providers should confirm the real identity of customers. Therefore, how to strengthen the identity authentication of online account opening to create a secure financial environment and improve the trust of users and financial service providers in electronic signatures It also solves the technical problems of "account holder confirming contract content", "account holder's signature in person" and "bank staff witness" on electronic devices, so as to completely replace traditional users who need to go to the financial service provider they want to open an account in person The procedures for opening an account at the place of business have become a subject of active research in all walks of life.

Therefore, how to provide account opening methods that are more convenient for account holders and safe for financial service providers under the current legal norms, so that account holders can open accounts in a remote manner, in addition to saving the time cost of users and In addition to the operating costs of financial service providers, it can also improve the reliability of electronic signatures for users and financial service providers, so as to safely and completely replace the need for traditional users to go to the business place of the financial service provider who wants to open an account. The procedure of opening an account is an important topic in this field at present.

The purpose of the present invention is to provide an online account opening system and method and a computer program product, which can provide users with a more convenient and safe account opening method for financial service providers under the current legal norms, allowing users to remotely open accounts Opening an account can save the time cost of the user on the one hand, and reduce the operating cost of the financial service provider on the other hand.

Another object of the present invention is to provide an online account opening system and method and a computer A program product that uses time stamps to associate the confirmation information of the contract review, the dynamic image information of the account holder when signing, and the track information of the signature, and enables the server to receive the confirmation information associated with the time stamp in real time, and sign the account holder's signature. The dynamic image information and the signature trajectory information are uploaded to the server with time tightness, which further improves the reliability of electronic signatures for users and financial service providers, so as to safely and completely replace the traditional account holder who needs to go to the desired location in person. The account opening procedure shall be carried out at the place of business of the financial service provider that opens the account.

In order to achieve the purpose of the invention, the present invention discloses an online account opening system, comprising: a mobile terminal, which loads an electronic file for account opening online from a server in an account opening process, the mobile terminal is configured with a touch screen and a front image A capture module and a control module, wherein the control module is configured to perform: provide the electronic document and a confirmation key to be displayed on the touch screen during the account opening process; receive a trigger from the confirmation key from the touch screen a confirmation message of , associate the confirmation message with a timestamp to notify the server; enable the front-end image capture module to capture a dynamic image information and display it on the touch screen, and from the touch screen The control screen receives a track information; and associates the dynamic image information and the track information with the timestamp to notify the server.

In order to achieve the purpose of the invention, the present invention also discloses an online account opening method, which is used in an application downloaded to a mobile terminal, the mobile terminal has a touch screen and a front image capture module, and includes the following steps: In an account opening process, the mobile terminal is made to load an electronic file for account opening online from a server; in the account opening process, the electronic file is displayed on the touch screen; in the account opening process, a confirmation button is provided displayed on the touch screen; in the account opening process, a confirmation message triggered by the confirmation key is received via the touch screen, so as to establish a relationship between the confirmation message and a time stamp notifying the server through the connection; in the account opening process, enable the front-end image capture module to capture a dynamic image information and display it on the touch screen, and receive a track information through the touch screen; and Notifying the server by establishing an association between the moving image information and the track information and the timestamp.

In order to achieve the object of the invention, the present invention further discloses a computer program product. The computer program is downloaded and executed through a mobile terminal. The key is displayed on a touch screen; the two program instructions make the microprocessor receive a confirmation message triggered by the confirmation key from the touch screen, and associate the confirmation message with a time stamp to notify a server ; The third program instruction enables the microprocessor to enable a front image capture module to capture a dynamic image information and display it on the touch screen in response to the confirmation message; the fourth program instruction makes the microprocessor Receive a track information from the touch screen; and a fifth program instruction to cause the microprocessor to associate the dynamic image information and the track information with the timestamp to notify the server.

The effect of the present invention is that: the dynamic image information of the user who performs the account opening operation when signing and the track information of the signature are combined with the time stamp, and only after the confirmation information of the contract review is uploaded to the server in real time, the dynamic image information is enabled. During recording, the track information is received from the touch screen to prove the authenticity of the track information and the moving image information related to the time stamp at that time, and due to the relationship established between the moving image information and the track information and the time stamp This ensures that the confirmation information of the contract review, the dynamic image information at the time of signing, and the trajectory information of the signature have time closeness. Technical issues with "personal signature" and "bank staff witness". Therefore, the online account opening system and method and the computer program product of the present invention can be used in a safe financial environment. The user performs the account opening action in a remote manner, which can achieve the purpose of saving the time cost of the user and reducing the operating cost of the financial service provider. In addition, the online account opening system and method and the computer program product of the present invention can further improve the reliability of users and financial service providers in electronic signatures, therefore, it can also safely and completely replace the need for traditional users to go to the desired location in person. The purpose of the account opening procedure at the place of business of the account opening financial service provider.

These and other views and embodiments will become apparent to those of ordinary skill in the relevant art upon reference to the ensuing detailed description and accompanying drawings.

100, 300: Online account opening system

110, 310: Server

120, 320: mobile terminal

122, 322: touch screen

124, 324: Front image capture module

126: Storage Module

128: Control Module

S202: Steps

S204: Step

S206: Step

S208: Steps

S210: Steps

S212: Steps

S252: Program command

S254: Program command

S256: Program command

S258: Program command

S260: Program command

350: Electronic Contracts

352: Confirm key

354: Signature Box

356: Track Information

360: Start recording button

362: Timing Box

364: red light button

370: Preview Box

372: Rerecord button

374: OK button

V1: Image

V2: Video

S402: Step

S404: Step

S406: Step

S408: Step

S410: Steps

S412: Step

S414: Step

S416: Step

The online account opening system and method and the computer program product described in the present invention will be further described with various embodiments. The detailed descriptions of these embodiments are based on the accompanying drawings, and are non-limiting embodiments, wherein the same reference numerals indicate similar structures shown in the drawings from different viewing angles, and wherein: the first drawing is based on A system architecture diagram of the online account opening system according to the first embodiment of the present invention.

The second diagram A is a flowchart of the online account opening method according to the first embodiment of the present invention.

The second diagram B is a schematic diagram of the computer program product according to the first embodiment of the present invention when it is executed.

Figure 3 A is a system architecture diagram of an online account opening system according to the second embodiment of the present invention.

The third picture B is a screen display diagram of the touch screen according to the second embodiment of the present invention.

The third picture C is a screen display diagram of the touch screen according to the second embodiment of the present invention.

FIG. 4 is a flowchart of an online account opening method according to the second embodiment of the present invention.

Embodiments will now be described in detail with reference to the accompanying drawings of the present invention. In the accompanying drawings, identical and/or corresponding elements are denoted by the same reference signs.

Various embodiments will be disclosed herein; however, it is to be understood that the disclosed embodiments are merely illustrative of various forms that may be embodied. Furthermore, each example given in connection with the various embodiments is intended to be illustrative and not limiting. Further, the drawings are not necessarily to scale, some features are exaggerated to show details of particular elements (and any dimensions, materials and similar details shown in the drawings are intended to be illustrative only and not limiting) . Therefore, specific structural and functional details disclosed herein are not to be interpreted as limiting, but merely as a basis for teaching one skilled in the relevant art to practice the disclosed embodiments.

In the following detailed description of various exemplary embodiments, reference is made to the accompanying drawings, which drawings form a part of this disclosure. and are shown by way of illustration by way of example by which the described embodiments may be implemented. Sufficient detail is provided to enable those skilled in the art to practice the described embodiments, but it is to be understood that other embodiments may be utilized, and other changes may be made, without departing from the spirit or scope thereof. Furthermore, references to "an embodiment" do not necessarily pertain to the same or a singular specific embodiment, although they may be. Accordingly, the following detailed description is not intended to be limiting, and the scope of the specific embodiments described is defined only by the scope of the appended claims.

The first figure is a system architecture diagram of the online account opening system according to the first embodiment of the present invention. As shown in the figure, the online account opening system 100 according to the first embodiment of the present invention includes a server 110 and a bank The mobile terminal 120 includes a touch screen 122 , a front image capturing module 124 , a storage module 126 and a control module 128 .

The server 110 provides native application programs (Apps, not shown in the figure), and the mobile terminal 120 can be a smart mobile phone, and can also be embodied in other examples, such as a notebook computer, a built-in device in a motor vehicle, a tablet computer and other terminals The device, the mobile terminal 120 connects with the server 110 through its built-in communication platform (not shown) to install native applications. In this embodiment, the communication protocol used by the communication platform is a wireless communication protocol. The protocol may be a mobile communication protocol of a mobile phone network (eg, LTE), a wireless metropolitan network (MAN) (eg, WiMAX), a wireless local area network (LAN) (eg, WiFi, Bluetooth) and other wireless communication protocols.

After the mobile terminal 120 installs the native application, a user who wants to perform financial services can enter the account opening process. During the account opening process, the mobile terminal 120 and the server 110 remain connected. The control module 126 loads the electronic file (not shown) for account opening online from the server 110 , and the control module 126 displays the electronic file and the confirmation key (not shown) on the touch screen 122 . The control module 126 receives the confirmation message triggered by the confirmation key (not shown) from the touch screen 122 , and associates the confirmation message with the time stamp to notify the server 110 .

The control module 126 enables the front image capture module 124 to capture dynamic image information and display it on the touch screen 122 , and receives track information from the touch screen 122 . In this embodiment, the dynamic image information is the image when the user signs on the touch screen 122 , and the track information is the signature input by the user on the touch screen 122 . The touch screen 122 receives the track information

The control module 126 associates the dynamic image information and the trajectory information with the timestamp to upload to the notification server 110 . In this embodiment, the control module 128 may first associate the dynamic image information and the trajectory information with the time stamp, and then temporarily store them in the storage module 126 . The track information can be recorded in the form of markup language (for example: XML), and the moving image information can be recorded in the form of streaming media (for example: mp4). It should be emphasized that, in this embodiment, after the track information and the dynamic image information are associated with the time stamp, the track information and the dynamic image information associated with the time stamp need to be stored in the storage module 126 respectively.

In this embodiment, after the control module 126 associates the moving image information and the track information with the time stamp, regardless of whether they are temporarily stored in the storage module 126 or not, the track information and the track information associated with the time stamp can be encrypted by means of encryption. The dynamic image information is uploaded and stored in the server 110 respectively. The encryption method uploaded to the server 310 can be encrypted by, for example, Advanced Encryption Standard (AES), Cipher Block Chaining (CBC), PKCS5Padding and the like. The track information can be recorded in the form of markup language (for example: XML), and the moving image information can be recorded in the form of streaming media (for example: mp4). But it should be emphasized that, in this embodiment, the track information and dynamic image information associated with the time stamp are uploaded to the server 110 and stored separately with the electronic file, that is, the track information and dynamic image information associated with the time stamp The image information is divided into two files and stored in the server 110 together with the electronic files.

In addition, in this embodiment, only when the financial service provider needs to confirm the account opening image of the specific user for the specific user, the financial service provider's practitioners can make a request to the server 110, and then select the The server 110 combines any or all of the trajectory information and the moving image information associated with the time stamp with the electronic file.

The second diagram A is a flowchart of the online account opening method according to the first embodiment of the present invention. In order to describe the online account opening method of the first embodiment of the present invention in detail, please refer to the first figure together. The online account opening method of this embodiment is used to download the native application program (Apps, not shown in the figure) to the mobile terminal 120, The mobile terminal has a touch screen 122 and a front image capturing module 124 . In this embodiment, after the native application is installed on the mobile terminal 120, a user who wants to perform financial services can enter an account opening process. During the account opening process, the mobile terminal 120 and the server 110 remain connected.

As shown in the figure, in step S202, in the account opening process, the mobile terminal is made to load the electronic file for account opening from the server line. In this embodiment, the mobile terminal 120 and the server 110 maintain a connection during the account opening process, and online load electronic files for account opening from the server 110 .

In step S204, during the account opening process, the electronic file is displayed on the touch screen. In this embodiment, the electronic file is displayed on the touch screen 122 of the mobile terminal 120 .

In step S206, during the account opening process, a confirmation key is provided to be displayed on the touch screen. In this embodiment, the confirmation key is displayed on the touch screen 122 of the mobile terminal 120

In step S208, in the account opening process, a confirmation message triggered by the confirmation key is received via the touch screen, so as to associate the confirmation message with the timestamp and notify the server. In this embodiment, the confirmation message triggered by the confirmation key is received from the touch screen 122 , and the confirmation message is associated with the time stamp to notify the server 110 .

In step S210, in the account opening process, the front image capturing module is enabled to capture dynamic image information and display it on the touch screen, and the track information is received via the touch screen. In this embodiment, the dynamic image information is about the image when the user signs on the touch screen 122, and the track information The information is about the signature input by the user on the touch screen 122, and the track information is received from the touch screen 122 only during the recording of the moving image information.

In step S212, the dynamic image information and the trajectory information are associated with the timestamp and notified to the uploading server. In this embodiment, after the dynamic image information and the trajectory information are associated with the timestamp, the trajectory information and the dynamic image information associated with the timestamp can be temporarily stored in the storage module 126 respectively, and the trajectory information can be in a markup language. (for example: XML), and dynamic image information is recorded in the form of streaming media (for example: mp4).

In this embodiment, after the moving image information and the trajectory information are associated with the time stamp, whether or not they are temporarily stored in the storage module 126, the track information and the moving image information associated with the time stamp can be encrypted separately. The upload is stored in the server 110 . However, it should be emphasized that, in this embodiment, the track information and the moving image information associated with the time stamp are uploaded to the server 110 and then stored separately with the electronic file, that is, the track information and the moving image associated with the time stamp. The information is divided into two files and stored in the server 110 together with the electronic files.

The second diagram B is a schematic diagram of the computer program product according to the first embodiment of the present invention when it is executed. In order to describe the computer program product of the first embodiment of the present invention in detail, please refer to the first figure and the second A diagram together. The computer program product of this embodiment downloads the computer program through the mobile terminal 120 to execute the computer program shown in the second A diagram. Therefore, the same part as in Figure 2 A will not be repeated.

As shown in the figure, the program instruction S252 causes the microprocessor to display the electronic file and the confirmation key for account opening on the touch screen. In this embodiment, the microprocessor may be the control module 128 in the first figure, but may be other independent processing units.

In the program instruction S254, the microprocessor receives the confirmation message triggered by the confirmation key from the touch screen, and associates the confirmation message with the time stamp to notify the server.

In the program instruction S256, the microprocessor enables the front-end image capture module to capture dynamic image information and display it on the touch screen in response to the confirmation message.

In program instruction S258, the microprocessor receives the track information from the touch screen.

In the program instruction S260, the microprocessor associates the dynamic image information and the trajectory information with the time stamp to notify the server.

In addition, in this embodiment, another program instruction (not shown) may also be included to cause the microprocessor to load the electronic file for account opening from the server line during the account opening process.

The second embodiment will be described below by taking the electronic contract associated with the account opening service as an example of the electronic document.

Please refer to Figures 3A to 3C at the same time, Figure 3A is a system architecture diagram of an online account opening system according to the second embodiment of the present invention, Figure 3B and Figure 3C are according to the second embodiment of the present invention An example of the screen display of a touch screen. As shown in Figure 3A, the online account opening system 300 according to the second embodiment of the present invention includes a server 310 and a mobile terminal 320, and the mobile terminal 320 includes a touch screen 322, a front image capture module 324, and a storage module ( not shown) and control module (not shown).

The server 310 provides native application programs (Apps, not shown), and the mobile terminal 320 can be a smart mobile phone, and can also be embodied in other examples, such as a notebook computer, a built-in device in a motor vehicle, a tablet computer, and other terminal devices , the mobile terminal 320 connects with the server 310 through its built-in communication platform (not shown) to install native applications. In this embodiment, the communication protocol used by the communication platform is a wireless communication protocol. It can be a mobile communication protocol of a mobile phone network (eg, LTE), a wireless metropolitan network (MAN) (eg, WiMAX), a wireless local area network (LAN) (eg, WiFi, Bluetooth) and other wireless communication protocols.

After the native application is installed on the mobile terminal 320, the user who wants to perform the account opening service can enter the account opening process. During the account opening process, the mobile terminal 320 keeps a connection with the server 310. The control module loads the electronic contract 350 for account opening online from the server 310 and displays it on the touch screen 322. The electronic contract 350 may include a plurality of clauses and at least one confirmation button 352. The user who performs the account opening service can read the electronic contract 350. The contract 350 can be entered on the confirmation key 352 to trigger a confirmation message.

After receiving the confirmation message, the control module associates the confirmation message with the timestamp to notify the server 310 . The control module enables the front-end image capture module 324 to capture dynamic image information and display it on the touch screen 322 , and to receive track information from the touch screen 322 .

Specifically, in this embodiment, after receiving the confirmation message, the control module generates a signature box 354 , a start recording button 360 and a timing box 362 in the horizontal direction of the touch screen 322 . The front image capturing module 324 will use the front lens to prepare to start capturing images, and the user can see his own image V1 on the touch screen 322 . The timing box 362 can display timing information such as "please complete within 30 seconds", which means that in this embodiment, the user who performs the account opening service needs to complete the signature and video recording within 30 seconds. After the user who performs the account opening service clicks the start recording button 340, please enter the third B illustration of the figure.

As shown in Figure 3B, after the user clicks the start recording button 340, the user can sign in the signature box 354, that is, input the trajectory information 356, and the control module will also control the pre-image capture at this time. The module 324 uses the front lens to record the user's signature image V2 to generate dynamic image information (not shown). At the same time, the timing box 362 will display the remaining timing time, and a flashing red light button 364 will appear where the record button 360 was originally, indicating that the user has started recording (the technology used here is similar to that used in ordinary smart phones). ), the user can also press the red light button 364 to end signing and recording early. In this embodiment, when the user presses the red light button 364 to end the signature and video recording before the end of the timer or after the end of the timer, the user will automatically enter the preview mode.

Referring to the third picture C, after entering the preview mode, the original timing box 362 will be changed to a preview box 370, and the preview box 370 will display "Previewing". In the preview mode, the control module will play the recorded user's For the signature image V2, the user can also click the re-record button 372 at any time to restart signing and re-recording the signature image V2, that is, the touch screen 322 will return to the screen in Figure 3A to restart signing and recording. After the preview mode is completed, the user can click the OK button 374 to complete the signature and recording, which means that the reception of the track information 356 and the dynamic image information is completed.

Returning to the third figure A, in this embodiment, after receiving the trajectory information 356, the control module will generate a complete signature trajectory (not shown) according to the trajectory information, and the control module also controls the front image capture module at the same time Group 324 takes pictures of users to generate still image information (not shown).

The control module associates the track information 356 , the complete signature track, the dynamic image information, and the static image information with the timestamp to notify the server 310 . In this embodiment, the control module can first compare the trajectory information 356, the complete signature trajectory, the dynamic image information and the static image information with the After the time stamps are associated, they are temporarily stored in the storage module. The track information can be recorded in the form of markup language (eg XML), and the dynamic image information can be recorded in the form of streaming media (eg mp4). But it should be emphasized that in this embodiment, after the track information 356, the complete signature track, the moving image information and the still image information are associated with the time stamp, the track information 356, the complete signature track, The dynamic image information and the static image information need to be stored in the storage module respectively.

In this embodiment, after the control module associates the track information 356, the complete signature track, the dynamic image information and the static image information with the time stamp, regardless of whether they are temporarily stored in the storage module or not, the control module can encrypt the information through the encryption method. The associated track information 356 , the complete signature track, the moving image information, and the static image information and the timestamp are respectively encrypted and compressed into a single encrypted compressed file after being associated with the timestamp, and then uploaded and stored in the server 310 . The encryption method uploaded to the server 310 can be encrypted by, for example, Advanced Encryption Standard (AES), Cipher Block Chaining (CBC), and PKCS5Padding. The track information can be recorded in the form of markup language (for example: XML), and the moving image information can be recorded in the form of streaming media (for example: mp4). But it should be emphasized that, in this embodiment, after the track information 356 associated with the timestamp, the complete signature track, the moving image information and the static image information are uploaded to the server 310, they will be stored separately with the electronic contract 350, that is, with the electronic contract 350. The track information 356 associated with the time stamp, the complete signature track, the moving image information and the still image information are respectively divided into four files and stored in the server 310 with the electronic contract 350 respectively.

In addition, in this embodiment, only when the financial service provider needs to access the electronic contract 350 and the account opening information of the relevant users, the financial service provider's practitioners will send the information to the server. 310 makes a request, and optionally the server 310 combines any of the track information 356 associated with the timestamp, the complete signature track, the moving image information and the still image information with the electronic contract 350 . For example, when the financial service provider wants to upload a user's electronic contract to the competent authority, for example, when the electronic contract is a W8-BEN contract, the financial service provider's practitioners request the server 310 , the server 310 combines the track information, the complete signature track and dynamic image information with the W8-BEN contract, for example, inserting the track information, the complete signature track and the dynamic image information into the signature field (Signature) in the W8-BEN contract middle.

Figure 4 is a flow chart of the online account opening method according to the second embodiment of the present invention. In order to explain the online account opening method of the second embodiment of the present invention in detail, please refer to Figures 3A to 3C together. The online account opening method uses native applications (Apps, not shown in the figure) downloaded to the mobile terminal 320 , and the mobile terminal has a touch screen 322 and a front image capturing module 324 . In this embodiment, after the native application is installed on the mobile terminal 320, a user who wants to perform the account opening service can enter the account opening process. During the account opening process, the mobile terminal 320 and the server 310 remain connected.

As shown in the fourth figure, in step S402, in the account opening process, the mobile terminal is made to load the electronic contract for account opening from the server line. In this embodiment, the mobile terminal 320 online loads the electronic contract for account opening from the server 310 .

In step S404, during the account opening process, the electronic contract is displayed on the touch screen. In this embodiment, the electronic contract 350 is displayed on the touch screen 122 of the mobile terminal 320 .

In step S406, during the account opening process, a confirmation key is provided to be displayed on the touch screen. In this embodiment, the confirmation key 352 is displayed on the touch screen 322 of the mobile terminal 320 .

In step S408, in the account opening process, a confirmation message triggered by the confirmation key is received through the touch screen, so as to associate the confirmation message with the timestamp and notify the server. In this embodiment, the confirmation message triggered by the confirmation key 352 is received from the touch screen 322, and the server 310 is notified by establishing an association between the confirmation message and the timestamp.

In step S410, in the account opening process, a signature box is generated in the horizontal direction of the touch screen. In this embodiment, after the control module receives the confirmation message, in addition to generating the signature box 354 in the horizontal direction of the touch screen 322, it also generates a start recording button 360 and a timing box 362 at the same time. The front image capturing module 324 will use the front lens to prepare to start capturing images, and the user can see his own image V1 on the touch screen 322 . The timing box 362 can display timing information such as "please complete within 30 seconds", which means that in this embodiment, the user who performs the account opening service needs to complete the signature and video recording within 30 seconds. After the user who performs the account opening service clicks the start recording button 340, the process proceeds to step S412.

In step S412, the dynamic image information is captured by the front image capture module and displayed on the touch screen, and the track information is received through the signature box. In this embodiment, after the user clicks the start recording button 340, the user will be able to sign in the signature box 354, that is, input the trajectory information 356, and the control module will also control the front image capture module at this time. 324 uses the front lens to record the user's signature image V2 to generate dynamic image information (not shown). At the same time, the timing box 362 will display the remaining timing time, and a flashing red light button 364 will appear in the place where the recording button 360 was originally, indicating that the user has started video recording (the technology used here is similar to the video recording technology used by ordinary smartphones). ), the user can also press the red light button 364 to end signing and recording early. In this embodiment, when the user presses the red light button 364 to end the signature and video recording before the end of the timer or after the end of the timer, the user will automatically enter the Preview mode.

After entering the preview mode, the original timing box 362 will be changed to a preview box 370, and the preview box 370 will display "Previewing". In the preview mode, the control module will play the recorded user's signature image V2. You can also click the re-record button 372 at any time to restart the signature and re-record the signature image V2, that is, go back to step S410 to restart the signature and record the signature image. After the preview mode is completed, the user can click the OK button 374 to complete the signature and video recording, which means that the receiving of the track information 356 and the dynamic image information is completed, and the process proceeds to step S414.

In step S414, the static image information is captured by the front image capturing module, and a complete signature track is generated according to the received track information. In this embodiment, after receiving the trajectory information 356, the control module will generate a complete signature trajectory according to the trajectory information, and the control module also controls the front image capture module 324 to take a photo of the user to generate static image information. .

In step S416, the track information, the complete signature track, the moving image information, and the still image information are associated with the time stamp, and the server is notified. In this embodiment, after the track information 356, the complete signature track, the dynamic image information, and the still image information are associated with the time stamp, the track information 356, the complete signature track, the dynamic image information, and the The static image information is temporarily stored separately in the storage module.

In this embodiment, after the track information 356, the complete signature track, the dynamic image information, and the still image information are associated with the time stamp, regardless of whether they are temporarily stored in the storage module or not, the control module can encrypt the time and the time. After the stamp is associated, the associated track information 356 , the complete signature track, the moving image information and the still image information and the timestamp are separately or encrypted and compressed into a single encrypted compressed file and then uploaded and stored in the server 310 . However, it should be emphasized that in this In the embodiment, after the track information 356 associated with the time stamp, the complete signature track, the moving image information and the still image information are uploaded to the server 310, they will be stored separately with the electronic contract 350, that is, the track information 356 associated with the time stamp. , the complete signature track, the dynamic image information, and the static image information are divided into four files and stored in the server 310 with the electronic contract 350 respectively.

In addition, the online account opening method of the second embodiment of the present invention can also use the computer program product of the second embodiment of the present invention to download the computer program through a mobile terminal for execution, and the description of the second embodiment of the present invention will not be repeated here. Execution steps of a computer program product.

To sum up, the present invention provides an online account opening system and method and a computer program product, which combine the dynamic image information of the user who performs the account opening operation when signing the signature and the track information of the signature and the time stamp. During the recording period, the track information is received from the touch screen, which proves the authenticity of the track information and the moving image information related to the timestamp at that time, and because the moving image information and the track information are associated with the timestamp. , the dynamic image information at the time of signature and the track of the signature have temporal closeness, which will prevent the track information from being tampered with. Therefore, the online account opening system and method and the computer program product of the present invention can be used by users to open accounts in a remote manner in a safe financial environment, which can save time and cost for users and reduce operations for financial service providers cost purpose. In addition, the online account opening system and method and the computer program product of the present invention can further improve the reliability of users and financial service providers in electronic signatures, and therefore, can also safely and completely replace the need for traditional users to go to the desired location in person. The purpose of the account opening procedure at the place of business of the account opening financial service provider.

100: Online Account Opening System

110: Server

120: Mobile Terminal

122: Touch screen

124: Front image capture module

126: Storage Module

128: Control Module

Claims (20)

An online account opening system, comprising: a mobile terminal that loads an electronic file for account opening online from a server in an account opening process, the mobile terminal is configured with a touch screen, a front image capture module, and a storage module set, and a control module, wherein the control module is configured to perform: provide the electronic document and a confirmation key to be displayed on the touch screen during the account opening process; receive a touch screen triggered by the confirmation key from the touch screen a confirmation message, and associate the confirmation message with a timestamp to notify the server; according to the confirmation message, enable the front-end image capture module to capture a dynamic image information and display it on the touch screen, and Receive a track information from the touch screen, wherein capturing the moving image information and receiving the track information is for recording a moving image, and automatically enters a preview mode after recording. In the preview mode, the user can Overwrite the recorded motion image, and after the preview mode is completed, select recording completion or re-recording; and associate the recorded motion image information and the track information with the timestamp to notify the server . The online account opening system as described in claim 1, wherein the mobile terminal and the server remain connected during the account opening process. The online account opening system as described in claim 1, wherein the control module is configured to associate the confirmation message, the trajectory information and the moving image information with the timestamp, and upload and store them in the server respectively. The above account opening system according to claim 3, wherein the control module is configured to upload the trajectory information and the dynamic image information to the server through an encryption method. The online account opening system as described in claim 1, wherein the electronic document is an electronic contract associated with a financial service. The online account opening system as described in claim 1, wherein the dynamic image information is about a user of a financial service signing on the touch screen. The online account opening system as described in claim 1, wherein the track information is about a signature input by a user of a financial service on the touch screen. The online account opening system of claim 1, wherein the control module is configured to receive the track information from the touch screen during recording of the moving image information. The online account opening system according to claim 1, wherein the control module is configured to receive a static image information during the account opening process, wherein the static image information is captured by the front-end image capturing module to perform a financial process A still image of a user of a service. An online account opening method is used in an application program downloaded to a mobile terminal, the mobile terminal has a touch screen and a front image capture module, and includes the following steps: in an account opening process, the mobile terminal is made from A server online loads an electronic document for account opening; in the account opening process, the electronic document is displayed on the touch screen; in the account opening process, a confirmation button is provided to be displayed on the touch screen; in the account opening process In the process, a confirmation message triggered by the confirmation key is received through the touch screen, so as to associate the confirmation message with a time stamp and notify the server; in the account opening process, according to the confirmation message, enable The front-end image capture module captures a dynamic image information and displays it on the touch screen, and receives a trajectory information through the touch screen, wherein capturing the dynamic image information and receiving the trajectory information is to perform a dynamic image recording, and automatically enter a preview mode after recording. In this preview mode, the user can repeatedly watch the Watch the recorded moving image, and after the preview mode is completed, select recording completion or re-recording; and associate the recorded moving image information and the track information with the timestamp to notify the server. The online account opening method described in claim 10, wherein during the account opening process, the mobile terminal maintains a connection with the server. The online account opening method described in claim 11 further includes: associating the confirmation message, the track information and the moving image information with the time stamp, and uploading and storing them in the server respectively. The online account opening method described in claim 12 further comprises: uploading the track information and the moving image information to the server through an encryption method. The online account opening method as described in claim 10, wherein the electronic document is an electronic contract associated with a financial service. The online account opening method as described in claim 10, wherein the dynamic image information is about a user of a financial service signing on the touch screen. The online account opening method described in claim 10, wherein the track information is about a signature input by a user of a financial service on the touch screen. The online account opening method described in claim 10 further comprises: receiving the track information from the touch screen during the recording period of the moving image information. The online account opening method described in claim 10 further includes: in the account opening process, receiving a static image information, wherein the static image information is captured by the pre-image capturing module for use in a financial service One of the still images. A computer program product, which downloads the computer program through a mobile terminal to execute: the first program instruction causes a microprocessor to display an electronic document for opening an account and a confirmation key on a touch screen; the second program instruction causes a The microprocessor receives a confirmation message triggered by the confirmation key from the touch screen, and associates the confirmation message with a time stamp to notify a server; the third program instruction makes the microprocessor according to the A confirmation message, so that a front image capture module can capture a dynamic image information and display it on the touch screen; the fourth program command makes the microprocessor receive a track information from the touch screen; the fifth program command to capture the dynamic image information and receive the track information to record a dynamic image; the sixth program command causes the dynamic image to automatically enter a preview mode after recording, and in the preview mode, the user can watch it repeatedly The recorded dynamic image, and after the preview mode is completed, the selection of recording completion or re-recording is selected; and a fifth program instruction enables the microprocessor to establish a relationship between the recorded dynamic image information and the track information and the time stamp association to notify the server. According to the computer program product described in claim 19, the computer program is downloaded through the mobile terminal to execute: the sixth program instruction causes the microprocessor to load the account opening process from the server online during an account opening process Electronic document.

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