TWM518372U - Remote account-opening system - Google Patents

Description

Remote account opening system

This creation is about the field of account opening systems, especially a remote account opening system that uses a network to combine mobile devices to open a personal account with a remote account.

At present, for the account business that needs to be subject to identity review, the account holder still needs to go through the business company or bank that wants to open an account, in order to facilitate the identification of identity data.

Generally, accounts that require strict identity authentication are subject to the need for money flow. Therefore, in order to ensure that the account holder is consistent with the account owner to avoid subsequent disputes, the account holder must prepare all the business hours of the bank or company. Personally relevant identity documents and materials, personally go to the account opening process. In the process of opening an account, the account holder must fill in and sign the documents and the contractual agreements under the law, so the overall process takes a very long time. And for a specific type of account, such as a bank, because most of its operating time conflicts with the working hours of the general public, it is not easy for the public to take the initiative to open an account. In addition, many forms and documents must be filled out and signed during the account opening process, and a large amount of working time is required. Even if the public can take time to go to the company and the bank for processing, it is still unable to move enough time to complete the complete process, and if the number of people is large, waiting time has passed. Long is also an inconvenience.

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 account opening system for the public to open account operations in a remote manner, which can save time costs.

One of the purposes of this creation is to provide a remote account opening system for people to open online accounts through the Internet at a remote location, which can reduce the time spent on operations and eliminate the need for personal business or bank processing and scheduling. inconvenient.

In order to achieve the above objective, the remote account opening system of the present invention is for a user to perform an account opening operation through a mobile device and an electronic computer, comprising: a processing module, receiving a first account opening information through the mobile device; Obtaining a first signing instruction to generate a dynamic password; an identity authentication module, being connected to the processing module by telecommunications to receive the first account opening data and the dynamic password, and receiving a second account opening through the electronic computer Data, after receiving the dynamic password, verifying the first account opening data and the second account opening data, when the first account opening data is consistent with the second account opening data, generating a verification certificate; a receiving module, and the identity authentication The module telecommunications connection is obtained after receiving the verification certificate, and receives a third account opening data through the mobile device; and an application module is connected to the receiving module by telecommunication to receive the third account opening data, and After obtaining a second signing instruction, forming a first type of personal account according to the second signing instruction and the third account opening information; wherein the mobile device is closed System, the computer is an open system. Therefore, through the remote account opening system, the user can perform online account opening operations, and the business of setting up an account is not required to be opened, thereby greatly improving the speed and convenience of the operation process.

In order to meet the audit criteria of some companies or banks, and to separate the account categories, the creation also includes a video authentication module, which is connected to the receiving module and the application module, and includes a confirmation unit and an image capture system. After receiving the third account opening data, the video authentication module receives a person image through the image capturing unit, and subsequently confirms the personal image and the third account opening data through the confirming unit, and the personal image and the first Three account opening information match When the confirmation module receives the confirmation voucher, the application module forms a second type of personal account or changes the first type of personal account to the first account according to the third account opening information and the second signing instruction. The second type of personal account, wherein the first type of personal account has different rights from the second type of personal account, and the second type of personal account has a greater authority than the first type of account. In this way, a dual identity certification audit can be provided when opening an account, to enhance the confirmation of whether the client is consistent with the account holder, and to increase the quota of the personal account by the second video authentication.

The video authentication module further includes a reservation unit for setting a time for the confirmation operation to be performed by the confirmation unit after the video authentication module receives the third account opening data. In this way, the user can arrange video authentication according to the individual time, and improve the flexibility of the time schedule of the account opening process.

In addition, in order for the receiving module to quickly obtain the verification credential, the verification credential is a quick response matrix code.

Moreover, in order to improve the accuracy and reliability of the identity authentication module for verifying the user end, the second account opening data is a certificate corresponding to the electronic signature law, such as a natural person certificate, a securities certificate or a business certificate. Personal information.

The third account opening information includes at least one authentication image file and plural 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 be automatically formed by the receiving module through the optical character recognition technology for the authentication image file.

In addition, the remote account opening system further includes a one-step connection module, and is connected to the processing module, the identity authentication module, the receiving module, the video authentication module, and the application module, and records the processing. Module, the identity authentication module, the receiving module, the video authentication module The group and one of the application modules execute status information, and the step connection module displays a process status interface on the mobile device according to the execution status information. Thereby, the user can know the execution status of each step of the account opening process at any time, and can perform status inquiry.

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 processing module, the identity authentication module, the receiving module, the video authentication module, and the application module telecommunications perform corresponding operations. In this way, the user can directly execute the unsuccessful steps, and quickly improve the overall account opening operation, reduce the time for repeating the same steps, and achieve the functions of step connection and correction operation. In addition, the step connection module is connected to a server for storing the execution status information, so that the status of the account opening operation and the user end data can be backed up and recorded for each user end.

In summary, the remote account opening system of the present application allows the user to use the Internet to perform account opening procedures through mobile devices and electronic computers, thereby saving the time for opening an account and eliminating the inconvenience of handling the cabinet, and opening an account with an automated system. Smooth and convenient execution of the process. In terms of certification, in addition to the identity verification by electronic vouchers, it is also possible to achieve double identity audit through video authentication, and can meet the certification requirements of various corporate membership systems and bank accounts, and use single or dual authentication. Procedures, providing the user to open a personal account with a different and controllable amount. In addition, each processing step can be performed according to the user's time, such as the aforementioned reservation function, to provide an elasticized account opening operation to be closer to the user's end demand. The remote account opening system further records the account opening process status of each user terminal and the data corresponding to each user terminal through the step connection module and the server, and can use the mobile device to issue the order of the connection when the overall account opening process is not completed. The remote account opening system is driven by the corresponding module according to the instruction Process, to achieve the effect of breakpoints.

1‧‧‧Remote account opening system

10‧‧‧Processing module

101‧‧‧ Dynamic Password

102‧‧‧Selection screen

11‧‧‧ Identity Certification Module

111‧‧‧Verification certificate

12‧‧‧ receiving module

13‧‧‧Application Module

14‧‧‧Video Authentication Module

141‧‧‧Image capture unit

142‧‧‧Confirmation unit

143‧‧‧ Reservation unit

15‧‧‧Step connection module

151‧‧‧Process Status Interface

2‧‧‧Mobile devices

3‧‧‧Electronic computer

4‧‧‧ natural person certificate

5‧‧‧Server

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

FIG. 2A is a schematic diagram (1) of an application for identity authentication according to a preferred embodiment of the present invention.

FIG. 2B is a schematic diagram of the application of identity authentication for the preferred embodiment of the present invention (2).

Figure 2C is a schematic diagram of the application of identity authentication for the preferred embodiment of the present invention (3).

Figure 2D is a schematic diagram of the application of identity authentication for the preferred embodiment of the present invention (4).

FIG. 3 is a schematic diagram of a block module according to another embodiment of the preferred embodiment of the present invention.

FIG. 4 is a schematic diagram of a block module according to a second embodiment of the present invention.

FIG. 5 is a schematic diagram showing a flow state interface of the second 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.

In view of the popularity and convenience of Internet and mobile devices, as well as the new financial law regulations, the author proposes a remote account opening system1 for the purpose of providing accounts for the convenience of the public. Please refer to FIG. 1 and FIG. 2A to FIG. 2D, which are diagrams of the module of the preferred embodiment of the present invention and a schematic diagram of the application of each identity authentication. The remote account opening system 1 is for opening an account that needs to be authenticated by a physical identity, such as a bank or a member account, and subsequently uses an account to perform money transactions such as grants. With the remote account opening system 1, the user terminal can perform an account opening operation through a mobile device 2 such as a smart phone or a tablet computer, and an electronic computer 3 such as a home computer or a notebook computer, wherein the mobile device 2 For a closed system, the electronic computer 3 is open Release system. The remote account opening system 1 includes a processing module 10, an identity authentication module 11, a receiving module 12, and an application module 13. In this embodiment, the remote account opening system 1 is applied to open a personal bank account as an example.

The processing module 10 receives a first account opening data through the mobile device 2, and after obtaining a first signing instruction, generates a dynamic password 101. The first account opening information includes at least a document sufficient to prove the user's identity information, such as the name and the identity card number, and the first signing instruction generally refers to the signing action issued by the user terminal after agreeing to execute the agreement at the time of opening the account. The dynamic password 101 is a One Time Password (OTP) to improve the security of use. For example, when the processing module 10 receives the first account opening data, and the user terminal issues the first signing instruction, the dynamic password 101 may be generated to facilitate the user to perform subsequent procedures. The dynamic password 101 can be directly displayed on the display screen of the mobile device 2 or presented by the user terminal. The mobile device 2 presents a selection screen 102 to select and display the dynamic password through the user terminal. The method of 101 is taken as an example, as shown in FIG. 2A.

The identity authentication module 11 is in telecommunication connection with the processing module 10 for receiving the first account opening data and the dynamic password 101, and receiving a second account opening data through the electronic computer 3. After receiving the dynamic password 101, the identity authentication module 11 verifies the first account opening data and the second account opening data. When the first account opening data matches the second account opening data, a verification certificate 111 is generated. . Among them, the validity of the identity establishment of the account must be based on the certificate under the electronic signature law, such as the natural person certificate 4, the securities certificate or the personal information corresponding to the business certificate. The current document information is recorded in the physical card. It is necessary to perform data retrieval and verification through an electronic computer 3 that can be connected to a card reader or the like. Moreover, even if the voucher data for identity authentication is not physically hard and the packet information exists, in view of the data confidentiality specification, These credentials can be opened or read by a specific application. The operating system platform of the current electronic computer 3 application is open, that is, the applications used on the electronic computer 3 are required to meet certain specific specifications. Therefore, the applications are compatible and can read each other. The transfer and delivery are not caused by the above-mentioned voucher data, and the output verification certificate 111 can also be read by other devices. The mobile device or tablet computer, such as a smart phone or tablet, has a closed operating system platform. Each application is independent and incompatible. Therefore, the data in the program is closed, and different programs cannot transfer or read each other. data. Therefore, the manner in which the mobile device 2 receives the second account opening information is not feasible, and the verification certificate 111 of the subsequent output is incompatible with the other operating device 2 not being the same operating system platform. Restricted by the closed operating system of the mobile device 2, the receipt of the second account opening data, the verification of the identity authentication, and the output of the verification certificate 111 need to be transmitted through the open operating system of the electronic computer 3 to avoid non-phase The situation of data read restriction between programs occurs. As described above, the first account opening information includes at least information such as a name or an identity card number, and the second account opening information is a personal person voucher 4, a securities voucher or a business certificate, etc., which conforms to the personal information corresponding to the electronic signature law certificate, and therefore, After the identity authentication module 11 receives the dynamic password 101, it can compare whether the two match. For example, the identity authentication module 11 can receive the dynamic password entered by the user terminal through the electronic computer 3, as shown in FIG. 2B. Then, in this embodiment, the second end account information of the identity authentication module is provided by the user end through the natural person voucher 4, and since the current natural person voucher 4 is a physical card, the user end can use the card as a card. The device and the like are combined with the electronic computer 3 to provide the second account opening data to the identity authentication module 11, and as shown in FIG. 2C, this is only a preferred embodiment, and the present invention is not limited thereto. After the identity authentication module 11 confirms that the first account opening data matches the second account opening data, the verification certificate 111 is generated, preferably The verification credential 111 is a Quick Response Code (QR Code).

The receiving module 12 is in telecommunication connection with the identity authentication module 11 and obtains permission after receiving the verification certificate 111, and receives a third account opening data through the mobile device 2. For example, as shown in FIG. 2D, after the identity authentication module 11 outputs the verification certificate 111, the client can use the mobile device 2 to enable the receiving module 12 to receive the verification certificate 111 to obtain permission to continue. step. The user terminal can then provide the third account opening information to the receiving module 12 through the mobile device 2. The third 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 file of the identity card, for the personal image of the identity document image file. The photo and the rest of the information determine the basic information of the client. In addition, the text information can be automatically formed by the receiving module 12 through the optical character recognition (OCR) in the authentication image file. The detailed content of the third account opening information is the text information, and the receiving module 12 reads the name, the identity card number, the date of birth, and the household registration address in the authentication file through optical character recognition technology. And form a text message. In addition, the client can also choose to fill in the required text information by himself.

The application module 13 is in telecommunication connection with the receiving module 12 for receiving the third account opening data, and after obtaining a second signing instruction, forms a first type of personal account in combination with the third account opening information. For example, after the application module 13 receives the third account opening information, the user terminal can sign the precautions and terms such as the business application application through the mobile device 2, and the second signing instruction is sent to the application module. 13. The application module 13 can form the first type of personal account according to the third account opening information and the second signing instruction to complete the account opening of the user end.

Therefore, the user terminal can be exempted from the inconvenience of opening the account through the remote account opening system 1, and the personal account can be quickly opened through the mobile device 2 and the electronic computer 3, It takes time to shorten the work.

Please refer to FIG. 3, which is a schematic diagram of a module according to another embodiment of the present invention. In this embodiment, the remote account opening system 1 further includes a video authentication module 14 that is in telecommunication connection with the receiving module 12 and the application module 13 and includes an image capturing unit 141 and a confirmation. After receiving the third account opening data, the video authentication module 14 receives a person image through the image capturing unit 141, and then confirms the personal image and the third account opening information through the confirming unit 142, and the person When the image matches the third account opening data, a confirmation voucher is generated, and after receiving the confirmation voucher, the application module 13 forms a second type personal account according to the third account opening information and the second signing instruction or The first type of personal account is changed to the second type of personal account, and the first type of personal account has a different authority from the second type of personal account. In this way, the video authentication module 14 can achieve the dual identity authentication function, and provide more accurate identification results in response to the member review requirements of each enterprise, and can decide to open based on whether the user end passes the video authentication. The account belongs to the first type of personal account or the second type of personal account. Wherein, the quota authority of the second type of personal account is greater than the quota authority of the first type of personal account. In practical application, the user terminal may complete the establishment of the first application amount after the second signing instruction is issued. A personal account may be connected to the video authentication module 14 for video authentication, and a second type of personal account with a higher quota may be established. In this embodiment, the user terminal is connected to the video authentication module 14 to establish a second type of personal account as an example. After the second signing instruction is issued by the user, the user can select whether to perform the video authentication. When the user selects the continuous authentication, the image capturing unit 141 receives the personal image of the user, and continues to pass the confirmation unit 142. Confirm whether the personal image matches the third account opening information. The image capturing unit 141 can capture the personal image of the user terminal through the camera lens of the mobile device 2, and then Then, according to the authentication image file in the account opening data, it is compared with the personal image. The confirmation unit 142 compares the personal image with the third account data, and can perform the comparison process by using a live-action comparison method. In other words, after the image capturing unit 141 captures the personal image, it can be displayed together with the third account opening data through an image display module, and then directly compared by the real person and confirmed by the confirming unit 142. Record the results. The personal image may be a still picture image or a motion picture. In order to improve the verification accuracy, the video authentication module 14 may be connected to the remote end of the bank or the enterprise company, and the verification procedure may be performed by a live person. After the video authentication module 14 confirms that the third account opening data matches the personal image, the application module 13 receives the confirmation certificate, and forms the second type of personal account according to the third account opening information and the second signing instruction. .

In addition, the video authentication module 14 further includes a reservation unit 143 for setting a time for the confirmation operation to be performed by the confirmation unit 142 after the video authentication module 14 receives the third account opening data. For example, as described above, after receiving the third account opening data, the video authentication module 14 can compare whether the personal image and the third account opening data are consistent through the confirmation unit 142. However, in actual application, the user's demand is considered. Perhaps after the user uploads the third account opening information, the user has no free time to perform data verification through the video authentication module 14, or establish the first type of personal account. Thereafter, video authentication is performed through the video authentication module 14 to change the first type of personal account to the second type of personal account. Therefore, the remote account opening system 1 can also provide a reservation function for the user to select the time for verification. For example, after the user uploads the third account opening data, the user can select the confirmation unit 142 through the reservation unit 143. The date and time of the video verification is performed, thereby improving the convenience of the remote account opening system 1 and being closer to the actual use requirements of the public.

Thereby, the remote account opening system 1 is used for the user to open the account by using the mobile device 2 and the electronic computer 3 through the network connection mode, thereby greatly reducing the program time required for the user to open the account and reducing the working time by automating and remotely. And the user end can flexibly arrange the overall account opening process to provide convenient and fast opening operations for the user terminal. At the same time, it can be combined with the purpose of video authentication to achieve dual identity confirmation, and then provide the user to open a second type of personal account with a higher degree of authority, and can take strict individual capital verification and certification according to the membership system of each enterprise.

Please refer to FIG. 4 and FIG. 5 together, which are schematic diagrams of the module and the flow state interface of the second embodiment of the preferred embodiment. In this embodiment, the remote account opening system 1 further includes a step connection module 15 , and the processing module 10 , the identity authentication module 11 , the receiving module 12 , the video authentication module 14 , and The application module 13 is connected to the telecommunications system, and records the execution status information of the processing module 10, the identity authentication module 11, the receiving module 12, the video authentication module 14, and the application module 13, and the step is performed. The connection module 15 displays a flow status interface 151 to the mobile device 2 based on the execution status information. For the purpose of backup and record, the step connection module 15 is connected to a server 5 for storing the execution status information of each module corresponding to the remote account opening system 1. Because the actual application, the user terminal can not completely complete the entire account opening process at one time, after the execution status information is recorded through the server 5, the step connection module 15 is based on the execution status information on the mobile device 2 The process status interface 151 is displayed, and the step connection module 15 can drive the processing module 10, the identity authentication module 11, the receiving module 12, the video authentication module 14, and the application according to the execution status information. The module 13 performs a corresponding action. For example, the user terminal can use the process status interface 151 to know whether the steps in the account opening process have been completed. When there is an unfinished step, the user can provide the connection process instruction in the process status interface 151, for example, if The processing module 10 receives the first If the step of signing the instruction fails, the user terminal can again issue the first signing instruction through the mobile device 2. 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.

In summary, the remote account opening system 1 of the present invention utilizes the Internet through the mobile device 2 and the electronic computer 3 for the user to open an account opening procedure, and saves the working time of the personal cabinet when opening the account, and borrows The automation system enhances the smoothness and convenience of the account opening process. In addition, each processing step can be performed according to the user's time, such as the aforementioned reservation function, to provide an elasticized account opening operation to be closer to the user's end demand. In terms of certification, in addition to the identity verification by means of vouchers, it is also possible to achieve two-factor authentication through video authentication in response to the strict requirements of the corporate membership system and bank account authentication, and to open individual accounts with different rights through dual authentication. In addition, the remote account opening system 1 further records the account opening process status of each user terminal and the data corresponding to each user terminal through the step connection module 15 and the server 5, and may only be caused by factors such as subsequent review or the time of the client terminal cannot be matched. The partial account opening process step is completed, and the user terminal can also learn the current execution progress by using the process status interface 151, and at the same time, the mobile device 2 issues a connection instruction to the remote account opening system 1, so that the remote account opening system 1 responds according to the instruction. The module performs related processes to achieve the effect of 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 account opening system

10‧‧‧Processing module

11‧‧‧ Identity Certification Module

12‧‧‧ receiving module

13‧‧‧Application Module

2‧‧‧Mobile devices

3‧‧‧Electronic computer

Claims (12)

A remote account opening system for a user to perform an account opening operation through a mobile device and an electronic computer, comprising: a processing module, receiving a first account opening information through the mobile device and obtaining a first signing instruction Generating a dynamic password; a identity authentication module is connected to the processing module for receiving the first account opening data and the dynamic password, and receiving a second account opening data through the electronic computer, after receiving the dynamic password And verifying the first account opening data and the second account opening data, when the first account opening information is consistent with the second account opening data, generating a verification certificate; a receiving module, connecting with the identity authentication module by telecommunication, receiving After the verification certificate is obtained, a third account opening information is received through the mobile device; and an application module is connected to the receiving module for receiving the third account opening information, and obtaining a second signing instruction Forming, according to the second signing instruction and the third account opening information, a first type of personal account; wherein the mobile device is a closed system, the electronic computing It is an open system. The remote account opening system of claim 1 further includes a video authentication module, which is connected to the receiving module and the application module, and includes a confirmation unit and an image capturing unit. After receiving the third account opening data, the authentication module receives a person image through the image capturing unit, and successively confirms the personal image and the third account opening data through the confirming unit, and matches the personal image with the third account opening data. When the confirmation module receives the confirmation voucher, the application module forms a second type of personal account or changes the first type of personal account to the first account according to the third account opening information and the second signing instruction. Second class personal account User, and the first type of personal account has different rights from the second type of personal account. For example, the remote account opening system described in claim 2, wherein the second type of personal account has a quota authority greater than the quota authority of the first type of personal account. The remote account opening system of claim 3, wherein the video authentication module further comprises a reservation unit, configured to be executed by the video authentication module after receiving the third account opening data, and executing the confirmation unit Confirm the time of the action. The remote account opening system of claim 4, wherein the verification certificate is a quick response matrix code. For example, the remote account opening system described in claim 5, wherein the second account opening information is a natural person certificate, a securities certificate or a personal information corresponding to a business certificate. The remote account opening system of claim 2, wherein the third account opening information comprises at least one authentication image file and plural text information. For example, the remote account opening system described in claim 7 is wherein the authentication file is an identity document. The remote account opening system of claim 7, wherein the text information is formed by the optical character recognition technology for the authentication image file. The remote account opening system of any one of claims 2 to 9 further includes a one-step connection module, the processing module, the identity authentication module, the receiving module, and the video authentication The module and the application module are connected by telecommunications, and record the execution status information of the processing module, the identity authentication module, the receiving module, the video authentication module and the application module, and the step connection module A process status interface is displayed on the mobile device based on the execution status information. The remote account opening system of claim 10, wherein the step connection module drives the processing module, the identity authentication module, the receiving module, and the video authentication mode according to the execution status information. The group and the application module telecommunications perform corresponding actions. The remote account opening system of claim 11, wherein the step connection module is connected to a server for storing the execution status information.