TWM518371U - Remote securities account-opening system - Google Patents

Description

Remote securities account opening system

This creation is about the field of account opening systems, especially a remote securities account opening system that uses the remote end of the network to open accounts for securities.

There are quite a variety of investment types in the financial market, and the public can use their own funds to choose and conduct related trading activities, such as bonds, funds, futures and stocks. Stock investment is one of the most common investment behaviors in the current society. In order to execute stock trading behavior, investors must first open a securities insured account for securities flow to the securities company, and open a securities trading to the corresponding securities insured household. Bankers are handed over to handle changes in money such as grants when trading stocks. In order to confirm that the account owner is consistent with the owner, therefore, when the account is to be opened, the person in charge must prepare various personal identification documents and materials during the business hours of the securities company, and personally conduct the account opening procedure. In the process of opening an account, it is necessary to fill in and sign the documents and the contractual agreements under the law, so the overall process takes a very long time. After the opening of the securities insured households, it is necessary to open the corresponding securities to the bank to open the bank account, and the completion of the account opening procedure is completed after the completion of the securities trading bank account, thereby allowing the stock to sell.

As mentioned above, whether it is a securities insured or a securities trading bank, the holder must travel during the business hours of the securities company and the bank, and the working hours of many people also conflict with the business hours of the securities company and the bank. It is not easy to get an account opening action. In addition, many account forms need to be filled out and signed during the account opening process, and a lot of work time is required. Move out enough time to open an account.

Therefore, how to provide a more convenient and fast way to open an account in accordance with laws and regulations is an important issue in this field. Therefore, the creator conceived a remote securities account opening system for the public to open accounts in a remote manner, which can save time costs.

One of the purposes of this creation is to provide a remote securities account opening system, which uses the remote mode to perform account opening actions, thereby effectively reducing the time required for opening an account, and exempting the inconvenience of the settlement and time schedule of the settler. .

For the above purposes, the remote securities account opening system of the present invention comprises: a data uploading module for receiving an account opening data; a video authentication module, which is connected to the data uploading module and includes a confirmation unit and a The image capturing unit receives the account information and receives a person image through the image capturing unit, and then confirms the personal image and the account opening data through the confirmation unit; an application module, and the data uploading module And the video authentication module telecommunications connection, when the personal image and the account opening data are consistent, generating a short-acting certificate according to the account opening data; a production module, connecting with the application module telecommunications, according to the short-acting certificate Generating a reserved account information; a receiving module, and the output module is connected to the telecommunications terminal, and receiving one of the bank information according to the reserved account information; and a setting module, connecting with the receiving module, receiving The delivery bank information and a password data, and the delivery bank information and the password data are combined to form a securities account corresponding to the client.

The account opening information includes at least one authentication image file and a plurality of text information, and the authentication image file is an identity document, such as an identity card image, to facilitate confirmation of the personal data of the user terminal. In addition, in order to improve the convenience of the user terminal, the text information may also be The data uploading module automatically forms the authentication image file through optical character recognition technology.

In addition, in order to form the reserved account information, a signing instruction for each account opening contract is required, so in the system, the reserved account information is generated in combination with the short-acting certificate and a signing instruction.

After obtaining the reserved account information, in order to prevent the user from recording the reserved account information, the output module displays a card interface including the reserved account information on the mobile device to automatically store and clear and easy. The way is displayed to the client.

In another implementation manner, in order to make the scheduling time of the account opening process of the user end more flexible and determined by the user end, the video authentication module further includes a reservation unit for receiving and receiving the video authentication module. After the account opening information, the confirmation operation unit performs the confirmation operation time.

The remote securities account opening system further includes a one-step connection module, the data uploading module, the video authentication module, the application module, the output module, the receiving module and the setting module Telecommunications connection, and recording the status information of the data uploading module, the video authentication module, the application module, the output module, the receiving module and the setting module, and the step connection module A process status interface is displayed on the mobile device based on the execution status information. Through the process status interface, the user can quickly know the status of the account opening program and achieve the status query function.

Some users may not complete the account opening procedure at one time, or may cause an error in any step. In order to improve the convenience of the system, the connection module is driven according to the execution status information. The data uploading module, the video authentication module, the application module, the output module, the receiving module, and the setting module perform corresponding actions. This provides the ability to connect and correct the user's steps.

For the purpose of record backup, the step connection module is connected to a server telecommunications for storing the execution status information.

In summary, the remote securities account opening system is used by the network to directly open the online account opening action by the mobile terminal, which can eliminate the inconvenience that the user terminal needs to be handled by the securities company in person, and the operation time is too long. Users can't move out the time they need, or they waste too much time. In order to improve the convenience of opening an account, the creation further provides functions such as an appointment or a step by step to facilitate the user to perform an account opening operation.

1‧‧‧Remote Securities Account Opening System

10‧‧‧Data upload module

11‧‧‧Video Authentication Module

111‧‧‧Confirmation unit

112‧‧‧Image capture unit

113‧‧‧ Reservation unit

12‧‧‧Application Module

13‧‧‧ Output Module

131‧‧‧ card interface

14‧‧‧ receiving module

15‧‧‧Setting module

16‧‧‧Step connection module

161‧‧‧Process Status Interface

2‧‧‧Client

3‧‧‧Mobile devices

4‧‧‧Server

FIG. 1 is a schematic diagram of a module of a preferred embodiment of the present invention.

FIG. 2 is a schematic diagram of a combined client module according to a preferred embodiment of the present invention.

FIG. 3 is a schematic diagram of a card interface of a mobile device according to a preferred embodiment of the present invention.

FIG. 4 is a schematic diagram of a combination of a user terminal module according to another embodiment of the preferred embodiment of the present invention.

FIG. 5 is a schematic diagram showing a flow state interface of a mobile device according to another embodiment of the preferred embodiment of the present invention.

In order for your review board to have a clear understanding of the content of this creation, please use the following instructions to match the drawings.

Please refer to Figures 1, 2 and 3, which are schematic diagrams of the module of the preferred embodiment, a schematic diagram of the user terminal module and a card interface of the mobile device. In recent years, with the popularity of the Internet and the new financial law, this creator can effectively solve the securities account opening process. For the inconvenience of the public, it is conceivable to use a remote securities account opening system 1 for the Internet to facilitate the opening of an account opening action by a client 2 via a mobile device 3 such as a smart phone or tablet. In this embodiment, the action The device 3 is described by taking a smart phone as an example. The remote securities account opening system 1 includes a data uploading module 10, a video authentication module 11, an application module 12, a production module 13, a receiving module 14, and a setting module 15.

The data uploading module 10 is configured to receive one of the account opening materials, wherein the account opening data may include at least one authentication image file and a plurality of text information. Preferably, the authentication image file is an identity document, such as an image of the identity card. The file is used to determine the basic information of the client terminal 2 by the personal image and the rest of the information provided by the identity card image file. In addition, the text information can be automatically formed by the data uploading module 10 through the optical character recognition (OCR) in the authentication image file. In actual application, the account information can be obtained by the user terminal 2 who wants to open an account, and the account opening data is uploaded to the data uploading module 10 through the mobile device 3. The detailed content of the account opening information is such text information. The data uploading module 10 forms a text message by reading the optical character recognition technology for the name, the identity card number, the date of birth, and the household registration address in the authentication file. In addition, the client 2 can also choose to fill in the required text information by itself.

The video authentication module 11 is electrically connected to the data uploading module 10 and includes a confirmation unit 111 and an image capturing unit 112. After receiving the account opening data, the video authentication module 11 receives a person image through the image capturing unit 112, and successively passes the confirmation unit 111 to compare whether the personal image and the account opening data are consistent. The image capturing unit 112 can capture the personal image of the user terminal 2 through the camera lens of the mobile device 3, and then compare the personal image according to the authentication image file in the account opening data. The confirmation unit 111 compares the individual The consistency of the image and the account opening data, in addition to the automated execution of the comparison program, can also be compared by the live-action method. In other words, after the image capturing unit 112 captures the personal image, it can be displayed together with the account opening data through an image display module, and then directly compared by the real person and confirmed by the confirmation unit 111 and the result is recorded. . The personal image may be a still picture image or a motion picture. For example, after the account opening data is uploaded by the user terminal 2, the video authentication module 11 can be activated to compare the personal image of the user terminal 2 with the uploaded account information to confirm whether the client terminal 2 is the person. In order to improve the accuracy of verification and protect the securities company, the video authentication module 11 may be connected to the remote end of the securities company, and the verification procedure may be performed by a live person.

The application module 12 is connected to the data uploading module 10 and the video authentication module 11 by the video authentication module 11. After the video authentication module 11 confirms that the personal image and the account opening data are consistent, the application module 12 generates the account information according to the account opening data. A short-term certificate. The short-acting voucher can be used as the basis for the voucher signature in the account information of the account opening information, for example, the date of birth or the identity card number as the password of the short-acting certificate. Preferably, the short-acting voucher has a valid period, so that the short-term voucher has validity only for a period of time, and cannot exist indefinitely. For example, after the video authentication module 11 confirms that the client 2 is the account holder, the short-term certificate is generated by the application module 12.

The output module 13 is connected to the application module 12 by telecommunications. After generating the short-acting voucher, the output module 13 generates a reserved account information according to the short-acting voucher. In detail, the acquisition of the reserved account information is generated by the output module 13 in combination with the short-acting voucher and a signing instruction. In actual application, after obtaining the short-acting voucher, the user terminal 2 can issue the signing instruction to the output module 13 through the mobile device 3, so that the output module 13 generates the reserved account information. For example, after obtaining the short-acting voucher, the user terminal 2 needs to sign the relevant account opening method through the mobile device 3 in sequence. a contract, such as various types of account opening agreements, credit information forms, and commissioned securities contracts, etc., after the client terminal 2 issues the signing instruction to the output module 13, the output module 13 is based on the short-term certificate. The reserved account information is generated, and the reserved account information may include, for example, the name of the user terminal, the selected securities account opening branch, and the transaction account number. In addition, in order to facilitate the user terminal 2 to record the reserved account information, the output module 13 can display a card interface 131 including the reserved account information on the mobile device 3, as shown in FIG.

The receiving module 14 is in telecommunication connection with the output module 13 for receiving one of the bank documents according to the reserved account information. The setting module 15 is in telecommunication connection with the receiving module 14, receives the delivery bank data and a password data, and integrates the delivery bank data and the password data to form a securities account. In practical application, after the delivery bank data is obtained, the user terminal 2 can complete the foregoing operation and obtain the reserved account information 131, and then go to the bank to apply for the delivery bank account according to the reserved account information 131, and then upload the corresponding delivery bank information to the bank account. The receiving module 14 sets the password data through the setting module 15, and the setting module 15 integrates the above information to open a securities account corresponding to the user terminal 2, so as to facilitate the user terminal 2 to use the securities account for stock trading behavior. . In the second figure, a preferred data receiving source mode corresponding to the remote securities account opening system 1 in the embodiment is illustrated as an example.

Thereby, the remote securities account opening system 1 uses the network connection mode for the client terminal 2 to open the securities account by using the mobile device 3, thereby greatly reducing the program time required for opening the client terminal 2 and reducing the working time by automating and remotely. And the client 2 can flexibly arrange the manner of the overall account opening process.

Please refer to FIG. 4 and FIG. 5 together, which are schematic diagrams of a combination of a user terminal module and a flow state interface of a mobile device according to another embodiment of the present invention. In this implementation In the aspect, the video authentication module 11 further includes a reservation unit 113 for setting a time for the confirmation operation to be performed by the confirmation unit 112 after the video authentication module 11 receives the account opening data. For example, as described above, after receiving the account opening data, the video authentication module 11 can compare whether the personal image and the account opening data are consistent through the confirmation unit 112. However, in actual application, the demand of the client 2 is considered. Perhaps after the user has uploaded the account opening information, the user terminal 2 has no free time to immediately perform data verification through the video authentication module 11, so in this embodiment, further It is disclosed that the remote securities account opening system 1 can also provide a reservation function for the user terminal 2 to select the time for verification. For example, after the user terminal 2 uploads the account opening data, the date and time available for the video verification by the confirmation unit 112 can be selected through the reservation unit 113, thereby improving the convenience of using the remote securities account opening system 1. And closer to the actual needs of the people.

In addition, the remote securities account opening system 1 further has a step connection module 16, which is associated with the data uploading module 10, the video authentication module 11, the application module 12, the output module 13, and the receiving module. The group 14 and the setting module 15 are telecommunicationally connected, and the data uploading module 10, the video authentication module 11, the application module 12, the output module 13, the receiving module 14, and the setting module are recorded. 15 one of the execution status information. For the purpose of backup and record, the step connection module 16 is connected to a server 4 to store the execution status information corresponding to each module of the remote securities account opening system 1. Because the actual application, the user terminal 2 can not completely complete the entire account opening process at one time. After the execution status information is recorded through the server 4, the step connection module 16 is based on the execution status information on the mobile device. 3, a process status interface 161 is displayed, and the step connection module 16 can drive the data uploading module 10, the video authentication module 11, the application module 12, the output module 13, and the receiving module. 14 and the setting module 15 perform corresponding operations. For example, the user terminal 2 can learn the account opening by using the process status interface 161. Whether the steps in the process are completed, and when there is an unfinished step, the client 2 can send a connection procedure instruction in the process status interface 161. For example, if the uploading step of the account opening data fails, the user terminal 2 can pass the The mobile device 3 executes the data uploading process again, so that the data uploading module 10 receives the account opening data. Similarly, the remaining steps can perform the corresponding steps again in the same manner, and can reach the functions of step breakpoint connection, status query, and correction operation.

The remote securities account opening system 1 of the present invention utilizes the Internet to enable the client 2 to use the mobile device 3 to open an account opening procedure, thereby saving the working time of the client 2 personal securities company when opening the securities account, and by The automation system improves the smoothness and convenience of the account opening process. In addition, each processing step can be performed according to the user terminal 2 time, such as the aforementioned reservation function, to be closer to the user end requirement. The remote securities account opening system 1 further records the account opening process status of each user terminal 2 and the data corresponding to each client terminal 2 through the step connection module 16 and the server 4, and may not cooperate due to subsequent review or the user terminal 2 time. The factor causes the partial account opening process step to be completed, and the user terminal 2 can also use the process status interface 161 to understand the current execution progress, and at the same time, the mobile device 3 issues an order for the remote securities account opening system 1 to make the remote security. The account opening system 1 causes the corresponding module to execute the relevant process according to the instruction, and achieves the effect of the breakpoint connection.

However, the above descriptions are only for the preferred embodiment of the present invention and are not intended to limit the scope of the present invention; therefore, the equivalent changes and modifications made without departing from the spirit and scope of the present invention should be Within the scope of this creation's patent.

1‧‧‧Remote Securities Account Opening System

10‧‧‧Data upload module

11‧‧‧Video Authentication Module

111‧‧‧Confirmation unit

112‧‧‧Image capture unit

12‧‧‧Application Module

13‧‧‧ Output Module

14‧‧‧ receiving module

15‧‧‧Setting module

Claims (10)

A remote securities account opening system is configured for a user to perform an account opening operation through a mobile device, comprising: a data uploading module, receiving an account opening data; a video authentication module, and the data uploading module telecommunications connection, and including a confirmation unit and an image capture unit, after receiving the account information, the video authentication module receives a person image through the image capture unit, and successively confirms the personal image and the account opening data through the confirmation unit; Corresponding to the data uploading module and the video authentication module, when the personal image and the account opening data are consistent, a short-acting voucher is generated according to the account opening data; a production module is connected to the application module by telecommunication, Generating a reserved account information according to the short-acting certificate; a receiving module, connecting with the output module, receiving a delivery bank data according to the reserved account information; and a setting module, and the receiving module a telecommunications connection, receiving the delivery bank information and a password data, and integrating the delivery bank information with the password data to form a securities account The remote securities account opening system of claim 1, wherein the account opening information comprises at least one authentication image file and plural text information. For example, the remote securities account opening system described in claim 2, wherein the authentication image file is an identity document. The remote securities account opening system of claim 3, wherein the text information is formed by the optical character recognition technology for the authentication image file. The remote securities account opening system of claim 4, wherein the reserved account information is generated in combination with the short-acting certificate and a signing instruction. The remote securities account opening system of claim 5, wherein the output module is configured to display a card interface including the reserved account information. The remote securities account opening system of claim 6, wherein the video authentication module further comprises a reservation unit for performing confirmation by the confirmation unit after receiving the account information set by the video authentication module. The time of action. The remote securities account opening system of any one of the claims 1 to 7 further includes a one-step connection module, the data uploading module, the video authentication module, the application module, and the a production module, the receiving module and the setting module telecommunications connection, and recording the data uploading module, the video authentication module, the application module, the output module, the receiving module, and the setting module One of the group performs status information, and the step connection module displays a process status interface on the mobile device according to the execution status information. The remote securities account opening system of claim 8, wherein the step connecting module drives the data uploading module, the video authentication module, the application module, and the product according to the execution status information. The module, the receiving module and the setting module perform corresponding actions. The remote securities account opening system of claim 9, wherein the step connection module is connected to a server telecommunications for storing the execution status information.