CN102542501A - Bank business on-line processing method, recording medium, and a mobile terminal - Google Patents

Bank business on-line processing method, recording medium, and a mobile terminal Download PDF

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Publication number
CN102542501A
CN102542501A CN201110419981XA CN201110419981A CN102542501A CN 102542501 A CN102542501 A CN 102542501A CN 201110419981X A CN201110419981X A CN 201110419981XA CN 201110419981 A CN201110419981 A CN 201110419981A CN 102542501 A CN102542501 A CN 102542501A
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portable terminal
information
line processing
remittance
banking
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CN201110419981XA
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Chinese (zh)
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郑镇宇
朴宰亨
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Individual
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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02Banking, e.g. interest calculation or account maintenance
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06KGRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K19/00Record carriers for use with machines and with at least a part designed to carry digital markings
    • G06K19/06Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
    • G06K19/06009Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code with optically detectable marking
    • G06K19/06018Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code with optically detectable marking one-dimensional coding
    • G06K19/06028Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code with optically detectable marking one-dimensional coding using bar codes
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06VIMAGE OR VIDEO RECOGNITION OR UNDERSTANDING
    • G06V40/00Recognition of biometric, human-related or animal-related patterns in image or video data
    • G06V40/10Human or animal bodies, e.g. vehicle occupants or pedestrians; Body parts, e.g. hands
    • G06V40/12Fingerprints or palmprints
    • HELECTRICITY
    • H04ELECTRIC COMMUNICATION TECHNIQUE
    • H04WWIRELESS COMMUNICATION NETWORKS
    • H04W4/00Services specially adapted for wireless communication networks; Facilities therefor
    • H04W4/12Messaging; Mailboxes; Announcements

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  • Engineering & Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Multimedia (AREA)
  • Human Computer Interaction (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Strategic Management (AREA)
  • Technology Law (AREA)
  • General Business, Economics & Management (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Signal Processing (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The invention discloses a bank business on-line processing method utilizing a mobile terminal, a recording medium recording the program of executing the method, and a mobile terminal installed with a program. The invention is realized by the following steps: obtaining the account information required for online remittance and the code image showed to the external object via the imaging apparatus of the mobile terminal; reading the code information via the obtained code image and extracting the account information via the read code information; and sending instructions to the bank server according to the remittance executing information of the account information. According to the invention, the mobile terminal is made to decode the obtained code images. According to the account information contained in the code images to perform the bank business online processing, the method allows users to rapidly, conveniently, and correctly carry out bank business online processing.

Description

Banking in-line processing method, recording medium and portable terminal
Technical field
The present invention relates to utilize the banking in-line processing method of portable terminal, the recording medium that records the program of carrying out this method and the portable terminal that program is installed; In more detail, relate to make portable terminal the code image of obtaining is decoded and according to the accounts information that comprises in the code image carry out the banking in-line processing and can carry out rapid, easy and correct banking in-line processing the banking in-line processing method of utilizing portable terminal, record recording medium and the portable terminal that program is installed of the program of this method of execution.
Background technology
Recently, along with cellie's surge and popularizing rapidly of wireless network, utilize the proportion of the banking processing of mobile device to raise.
Fig. 1 is the figure of explanation according to the process of the banking in-line processing of utilizing portable terminal of prior art.With reference to Fig. 1; Observation is according to the process of the banking in-line processing of utilizing portable terminal of prior art; At first; When the user of portable terminal receives the Word message that requires deposit (1.), before driving banking in-line processing program, earlier accounts informations such as deposit bank's title that comprises in the Word message and Deposit Account Number are recorded in (2.) on the scratch paper.
The user who has write down all accounts informations finishes the Word message affirmation picture of portable terminal, clicks and drives banking in-line processing program, and the picture of portable terminal shows the key frame (3.) of banking in-line processing program thereupon.
The user selects transfer of financial resources menu (4.) in the menu of banking in-line processing program, input is used for the password (PIN code) (5.) of authenticate himself.Then after user's account that selection is used to pay in the account of login (6.); See the scratch paper (7.) that records accounts information on one side, in the deposit account information project of banking in-line processing execution picture import the deposit bank title and the Deposit Account Number (8.) that are recorded in scratch paper on one side.
Then, the user continues input and transfers accounts (9.) after all the other information such as the amount of money, transmits remittance execution information to the server of draw bank.
Can see through Fig. 1; Have following inconvenience according to prior art: the user is according to the content of the Word message that receives through portable terminal; In order to utilize the banking in-line processing of portable terminal; In the content of the Word message that receives, directly choose the required accounts information of deposit etc. and be recorded in scratch paper etc., drive banking in-line processing program after, reaffirm the content that directly is recorded in scratch paper and import accounts information etc.
Therefore; There is following problem: a lot of times of needs when carrying out the banking in-line processing; And accounts information changeed remember behind the scratch paper the wrong or input wrong number sign indicating number with record in its process of importing again, thereby in the banking in-line processing, possibly cause fatal loss.
Summary of the invention
Therefore, the purpose of this invention is to provide make portable terminal the code image of obtaining is decoded and according to the accounts information that comprises in the code image carry out the banking in-line processing and can carry out rapid, easy and correct banking in-line processing the banking in-line processing method of utilizing portable terminal, record recording medium and the portable terminal that program is installed of the program of this method of execution.
To achieve these goals; According to the banking in-line processing method of utilizing portable terminal of the present invention; In the banking in-line processing method of utilizing the online remittance of portable terminal execution; Comprise the steps: that (a) above-mentioned portable terminal obtains the step of code image through the imaging device that above-mentioned portable terminal possessed, said code image comprises the needed accounts information of above-mentioned online remittance and is shown in the external object body; (b) above-mentioned portable terminal reads the step of code information by the above-mentioned code image of obtaining; (c) above-mentioned portable terminal is extracted the step of above-mentioned accounts information by above-mentioned code information of reading; And (d) above-mentioned portable terminal sends information is carried out in indication according to the remittance of the remittance of above-mentioned accounts information step to bank server.
Preferably, above-mentioned accounts information comprises at least a in deposit bank's title, Deposit Account Number and the deposit.
In addition, also comprise before above-mentioned (a) step: above-mentioned portable terminal receives the user's of above-mentioned portable terminal the step of finger print information; And the step of the finger print information of the above-mentioned reception of above-mentioned mobile terminal stores.
In addition, before above-mentioned (d) step, also comprise: above-mentioned portable terminal judges whether the remittance that comprises in the above-mentioned remittance execution information surpasses the step of the amount of money of regulation; And above-mentioned portable terminal sends the step that remittance is checked and approved requirement to exterior terminal when above-mentioned remittance surpasses the amount of money of regulation.
In addition, the above-mentioned characteristic of utilizing the banking in-line processing method of portable terminal is that the said external subject is to be selected from the display device of expense advice note, expense cash requirement and electronic equipment any.
On the other hand, the characteristic according to recording medium of the present invention is to record the program of carrying out above-mentioned each step.
On the other hand, the characteristic according to portable terminal of the present invention is that the program of carrying out above-mentioned each step is installed.
According to the present invention, portable terminal is decoded the code image of obtaining, carry out the banking in-line processing according to the accounts information that code image comprised, thereby can carry out rapid, easy and correct banking in-line processing.
Description of drawings
Fig. 1 is the figure of explanation according to the process of the banking in-line processing of utilizing portable terminal of prior art;
Fig. 2 is the expression figure that utilizes the code image of using in the banking in-line processing method of portable terminal according to an embodiment of the invention;
Fig. 3 representes that the execution of banking in-line processing in the present invention is used for before the figure of the finger print identifying step of user's authenticate himself;
Fig. 4 is the figure of the code image obtained through portable terminal in order to carry out the banking in-line processing among the present invention of expression and the accounts information that extracts through code image; And
Fig. 5 is the flow chart of steps of the implementation of the explanation banking in-line processing method of utilizing portable terminal according to an embodiment of the invention.
Symbol description
10: code, 50: external object body, 100: portable terminal.
Embodiment
Followingly illustrate in greater detail the present invention with reference to accompanying drawing.Should notice that identical in the accompanying drawings inscape all representes with same-sign as far as possible at an arbitrary position.In addition, omitted the known function that possibly obscure purport of the present invention and the detailed description of structure.
Fig. 2 is the expression figure that utilizes the code image of using in the banking in-line processing method of portable terminal according to an embodiment of the invention.
As shown in Figure 2; In the present invention; Code 10 graphical representations that comprise the required accounts information of online remittance are at external object bodies 50 such as expense advice notes, and the user can carry out the banking in-line processing based on code 10 images that the imaging devices such as camera that possessed through portable terminal 100 obtain.
During embodiment of the present invention; External object body 50 not only can be expense advice notes such as common cost, traffic fine, national tax, local tax; And can be various expense cash requirements etc.; In addition, portable terminal 100 can obtain code 10 images that the picture of the display device through electronic equipment shows and carry out the banking in-line processing.
That is, the user is after commodity are bought in the shop, and code 10 images that show on the monitor that sales counter possessed with the shop are taken through the portable terminal 100 of self, thereby can pay the shopping money through the banking in-line processing.
In addition; Shopping online store network operator together representes at code 10 images that the image next door of each article will comprise settlement information; The user obtains code 10 images that on the picture that shows the commodity that own institute will buy, together show while carrying out the imaging device of shopping online through portable terminal 100, thereby can payment for merchandise does shopping money.
Fig. 3 representes that the execution of banking in-line processing in the present invention is used for before the figure of the finger print identifying step of user's authenticate himself.As shown in Figure 3; During embodiment of the present invention; Preferably before carrying out the banking in-line processing, portable terminal 100 requires fingerprint recognition to the user, and the user's who discerns through the Fingerprint Identification Unit (fingerprint recognition use scanner) that utilizes portable terminal 100 to possess fingerprint carries out the authenticate himself step.
During embodiment of the present invention, the finger print identifying step can select to use to refer to RM and single RM more.
Even if how the finger recognition methods is the proper also not authentic mode of user under the fingerprint order condition of different of fingerprint order of registering and identification.For example; At first, the user carries out fingerprint registration according to the order of forefinger → little finger of toe → middle finger, even if this user's oneself fingerprint but change later on is in proper order and under the situation about discerning according to little finger of toe → forefinger → middle finger; With the different reason of fingerprint recognition order, this user of not authentication.
Fig. 4 is the figure of the code image obtained through portable terminal in order to carry out the banking in-line processing among the present invention of expression and the accounts information that extracts through code image.
As shown in Figure 4, portable terminal 100 extracts accounts information based on the code that obtains through portable terminal 100 10 images, will indicate the remittance execution information of remittance to send to bank server according to the accounts information that extracts.
During embodiment of the present invention, portable terminal 100 can be the i Phone (i Phone) that possesses code 10 image takings and scan function through camera, pacify tall and erect system mobile phone smart mobile phones such as (Android Phone) and various panel computer (Tablet PC) etc.
Fig. 5 is the flow chart of steps of the implementation of the explanation banking in-line processing method of utilizing portable terminal according to an embodiment of the invention.With reference to Fig. 2 to Fig. 5 the implementation of having utilized the banking in-line processing method of portable terminal 100 according to an embodiment of the invention is described; At first; User's portable terminal 100 is equipped with and is used to carry out banking in-line processing program of the present invention; When the user carried out the banking in-line processing program of installing on the portable terminal 100 at first, portable terminal 100 requirements were used for user's finger scan of user's fingerprint registration.
During embodiment of the present invention; Preferable mobile terminal end 100 possesses fingerprint recognition and uses scanner; The fingerprint recognition of user through portable terminal 100 scans oneself fingerprint with scanner, and portable terminal 100 receives users' finger print information, and the finger print information of reception is stored in the storage part of portable terminal 100.
Then, as shown in Figure 3 as the step of the authenticate himself that is used for the user when user carries out banking in-line processing program, portable terminal 100 requires user's finger scan (S410).
Portable terminal 100 is carried out user's finger print identifying step (S420) through finger print information that contrasts the user who imports and the finger print information that has been stored in storage part.During embodiment of the present invention, under the situation that preferred user's finger print identifying is accomplished, portable terminal 100 sends authenticate himself completion information to the bank server of management user's bank account.
After user's finger print identifying is accomplished; Portable terminal 100 shows the sentence (S430) of " asking scan code " and so on through the picture of portable terminal 100; Then, the imaging device of camera of being possessed through portable terminal 100 of user and so on is taken the code that is illustrated in external object body 50 10 of expense advice note as shown in Figure 2 and so on.
During embodiment of the present invention, the code 10 that is illustrated in external object body 50 can also use multiple codes 10 such as bar code, point coding except QR sign indicating number shown in Figure 2.
Code 10 images that imaging device through portable terminal 100 obtains are stored in the storage part of portable terminal 100, and portable terminal 100 reads code 10 information (S440) by the encrypted code that is stored in storage part 10 images through decode procedure.
Then, portable terminal 100 extracts the accounts information (S450) that comprises deposit bank's title, Deposit Account Number, deposit (settlement amounts) etc. as shown in Figure 4 by the code that reads 10 information.
During embodiment of the present invention, also can not comprise deposit (settlement amounts) by the accounts information of code 10 Image Acquisition, at this moment, the user directly imports deposit (settlement amounts) through portable terminal 100.
At this moment, preferably, the program that is installed in portable terminal 100 is connected with the server of the bank account of managing the user who has been stored in portable terminal 100, thus user's bank account balance (passbook balance) picture that is shown in portable terminal 100 as shown in Figure 4.
The user will obtain confirming deciding behind the own passbook balance now the facility of deposit this moment.
On the other hand, as shown in Figure 4, the accounts information that reads the picture that is presented at portable terminal 100 is revised in the input of the load button that the user can also be through utilizing portable terminal 100.
On the other hand; Portable terminal 100 is revised or is appended the information of input and generate the remittance that will send to bank server and carry out information based on the accounts information that extracts in the above-mentioned S450 step with by the user, and said bank server is the server of management user's bank account.
If when the user obtained code 10 images that show on the picture that shopping online store network operator provides in order to buy commodity through shopping online, preferred user can further import remittance in accounts information.
At this moment; Comprise as the address on the user's of commodity purchaser contact method and address, commodity distribution ground in the preferred remittance, require item etc. when providing and delivering; After the remittance execution information that comprises accounts information and remittance like this sends to bank server; The network operator in shopping online store checks that own bankbook is detailed, thereby confirms clearing of commodity purchasing money and dispensing ground information etc., to these commodity that should provide and deliver with providing and delivering and buy.
Here; During embodiment of the present invention; Preferably in remittance, even if the user does not directly import user's contact method and address, the address on commodity distribution ground etc., storage part that also can be through portable terminal 100 canned data generates automatically and is included in the remittance execution information.
Promptly; As the clearing of code 10 images that provide through the shopping online store; When providing and delivering commodity behind the money of clearing shopping earlier; In this code 10, comprise the other cognizance code 10 of transaction of informing the dispensing that is the requirement commodity, during portable terminal 100 these cognizance codes 10 of identification, the distribution information such as address that preferably will be stored in the commodity distribution ground of storage part are included in as remittance in the execution information of remitting money.
Promptly; As the shopping online store; Further comprise the transaction code that comprises above-mentioned cognizance code in the code that the owner provided 10 of preferred merchandising, more preferably transaction code also comprises company informations such as enterprise name, enterprise address, enterprise telephone number except cognizance code.
At this moment, the user is during backward relevant for the inquiry item of commodity distribution and commercial quality, can be through the company information that from own portable terminal 100, reads inquires or raises an objection etc. to this enterprise easily.
On the other hand, portable terminal 100 judged that before sending remittance execution information the amount of money (for example 1,000 ten thousand yuan) that whether deposit (settlement amounts) that comprises in the remittance execution information surpass predefined regulation in the program (S460).
Promptly; When the deposit (settlement amounts) that comprises in the remittance execution information surpasses the amount of money of regulation; This situation will be judged as the great number clearing, and portable terminal 100 sends the information (S470) that requires of checking and approving for the great number clearing to the IP address of the exterior terminal that storage part is stored in advance.
During embodiment of the present invention; Exterior terminal can be gerentocratic PC of bank server that user's bank account is managed etc.; After the banking in-line processing that the supvr of bank server confirms to be stored in this user in the bank server is utilized online the transferring accounts that whether allows this deposit (settlement amounts) on the clause; Confirm this amount of money in the online limit of transferring accounts, then the portable terminal 100 to the user sends great number clearing approval information.
So, portable terminal 100 receives great number clearing approval information (S490) from exterior terminal, and portable terminal 100 sends remittance execution information to bank server, thereby carries out the banking in-line processing (S490) according to accounts information.
So, when carrying out the account transfer through the banking in-line processing, preferred bank server send to user's portable terminal 100 comprise the amount of money of transferring accounts, the completion information of transferring accounts of the time of transferring accounts, savings account etc.
More than the preferred embodiments of the present invention and application examples thereof are illustrated and explain; But the invention is not restricted to above-mentioned certain embodiments and application examples; Under the situation that does not break away from the purport of the present invention that claim protects; Person skilled possibly carried out various distortion enforcements under this invention, and such distortion is implemented should not carry out the understanding of individual by technological thought of the present invention or prospect.

Claims (7)

1. a banking in-line processing method of utilizing portable terminal is characterized in that, is utilizing portable terminal to carry out in the banking in-line processing method of online remittance, may further comprise the steps:
(a) said portable terminal obtains the step of code image through the imaging device that said portable terminal possessed, and said code image comprises the needed accounts information of above-mentioned online remittance and is shown in the external object body;
(b) said portable terminal reads the step of code information by the said code image of obtaining;
(c) said portable terminal is extracted the step of said accounts information by said code information of reading; And
(d) said portable terminal sends information is carried out in indication according to the remittance of the remittance of said accounts information step to bank server.
2. the banking in-line processing method of utilizing portable terminal according to claim 1, wherein, said accounts information comprises at least a in deposit bank's title, Deposit Account Number and the deposit.
3. the banking in-line processing method of utilizing portable terminal according to claim 1 wherein, also comprised before said (a) step:
Said portable terminal receives the user's of said portable terminal the step of finger print information; And
The step of the finger print information of the said reception of said mobile terminal stores.
4. the banking in-line processing method of utilizing portable terminal according to claim 1 wherein, also comprised before said (d) step:
Said portable terminal judges whether the said remittance execution remittance that information comprised surpasses the step of the amount of money of regulation; And
Said portable terminal sends the step that remittance is checked and approved requirement to exterior terminal when said remittance surpasses the amount of money of regulation.
5. the banking in-line processing method of utilizing portable terminal according to claim 1, wherein, said external object body is to be selected from the display device of expense advice note, expense cash requirement and electronic equipment any.
6. a recording medium is characterized in that, records the program that enforcement of rights requires each described each step in 1~5.
7. a portable terminal is characterized in that, the program that enforcement of rights requires each described each step in 1~5 is installed.
CN201110419981XA 2011-05-09 2011-12-15 Bank business on-line processing method, recording medium, and a mobile terminal Pending CN102542501A (en)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
KR10-2011-0043497 2011-05-09
KR1020110043497A KR20120125816A (en) 2011-05-09 2011-05-09 Online Banking Method Using Mobile Terminal, Medium that Program for Executing the Method, and Mobile Terminal that the Program is Installed

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CN104715361A (en) * 2013-12-17 2015-06-17 康迅数位整合股份有限公司 Mobile device paying system and method
CN109983494A (en) * 2016-11-07 2019-07-05 株式会社野村综合研究所 Behavioural information collection system

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KR101667388B1 (en) 2015-08-26 2016-10-19 주식회사 뱅크볼 System for relaying financial transaction with multiple safety function using finger vein and fingerprint to authenticate at the same time and method for processing thereof
KR101717754B1 (en) 2016-03-08 2017-03-20 주식회사 올아이티탑 System for relaying financial transaction with multiple safety function using finger vein authentication
KR20190030141A (en) 2017-12-08 2019-03-21 주식회사 올아이티탑 System for relaying financial transaction with multiple safety function and method for processing thereof
KR20190041382A (en) 2017-12-08 2019-04-22 주식회사 올아이티탑 System for relaying financial transaction with multiple safety function and method for processing thereof
KR101873286B1 (en) 2018-02-09 2018-08-03 주식회사 올아이티탑 System for relaying financial transaction with multiple safety function and method for processing thereof
KR101988400B1 (en) 2018-02-09 2019-06-13 주식회사 올아이티탑 Bank join method for relaying financial transaction with multiple safety function
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KR101874319B1 (en) 2018-03-05 2018-08-03 주식회사 올아이티탑 System for relaying financial transaction with multiple safety function and method for processing thereof
KR101886736B1 (en) 2018-03-14 2018-09-11 주식회사 올아이티탑 Method for relaying financial transaction with multiple safety function

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CN104715361A (en) * 2013-12-17 2015-06-17 康迅数位整合股份有限公司 Mobile device paying system and method
CN109983494A (en) * 2016-11-07 2019-07-05 株式会社野村综合研究所 Behavioural information collection system

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Application publication date: 20120704