TW202014925A - Video verification providing system and method thereof - Google Patents

Abstract

A video verification providing system having a communication unit and a processing unit is provided. The communication receives a logging information and a service request. The processing unit connected to the communication unit performs a verification procedure according to the service request. The processing unit sends a video verification button according to s registered phone number corresponding to the logging information when performing the verification procedure. An electronic device received the video verification button is guided to a customer service in response to the activation of the video verification button, so as to perform a video verification.

Description

Video verification verification system and method

The invention relates to a technology for providing verification, and in particular to a video verification providing system and a video verification providing method.

In the era of digitalization, more and more customers tend to replace the counter with the Internet, in order to allow the Internet to break through the restrictions of the location and achieve the effect of using various financial services no matter where they are. However, due to the relatively sensitive nature of financial services and more controls, users must still go to the bank's counter to deal with changes in user permissions, large amounts of transactions, or high-risk transactions. Therefore, how to reduce the user's troubles while maintaining the security of financial services is a subject dedicated to those skilled in the art.

The present disclosure provides a video verification providing system and a method for providing video verification to add video verification to the verification process when bidding for services to enhance the security of financial services.

The video verification providing system of an embodiment of the present disclosure has a communication unit and a processing unit. The communication unit receives login information and service requests. The processing unit is connected to the communication unit and executes the verification procedure according to the service request. When performing the verification process, the processing unit transmits the video verification button through the communication unit according to the registered telephone number corresponding to the login information, so that the electronic device receiving the video verification button is directed to the customer service center for video when the video verification button is activated verification.

The disclosed message verification method of an embodiment has the following steps. Receive a login information and a service request; and perform an authentication procedure based on the service request. The following steps are also included in executing the verification procedure. The video verification button is sent according to the registered telephone number corresponding to the login information, and when the video verification button is activated, the electronic device receiving the video verification button is directed to the customer service center for video verification.

Based on the above, the video verification providing system and the video verification providing method disclosed by the present disclosure can provide customers to connect to a customer service center for video verification when they apply for services on the network. Based on this, users can not only directly apply for services through the Internet, but also be able to further maintain the security of network services through the confirmation of customer service personnel, in order to achieve a balance between convenience and security.

In order to make the above-mentioned features and advantages of the present invention more obvious and understandable, the embodiments are specifically described below in conjunction with the accompanying drawings for detailed description as follows.

FIG. 1 is a schematic diagram of a video verification providing system according to an embodiment of the disclosure. Referring to FIG. 1, the video verification providing system 100 of the present disclosure has a communication unit 110 and a processing unit 120.

In an embodiment of the present disclosure, the video verification providing system 100 is connected to the user's electronic device 10 and the customer service center 20 through the communication unit 110. The electronic device 10 is a terminal device held by a user, for example, a personal computer, a notebook computer, a tablet computer, or a mobile phone, etc. The present disclosure is not limited to this. Anyone who can allow users to use and run Internet Banking or Mobile Banking can be used in this disclosure.

The customer service center 20 is an external system provided to customer service personnel. This disclosure does not limit the architecture and operation mode of the customer service center 20. In addition, in an embodiment of the present disclosure, the video verification providing system 100 will be integrated into a mobile banking or internet banking system, so that when a user runs a mobile banking or internet banking system and wants to use a specific service, It can directly use video verification to provide various functions of the system 100. However, in another embodiment of the present disclosure, the video verification providing system 100 will be independent of the mobile banking system or the online banking system, so that the user is running the mobile banking system or the online banking system and wants to use specific services At this time, the video verification providing system 100 is called through the mobile banking system or the online banking system to perform various functions of the video verification providing system 100. This disclosure is not limited to this.

The communication unit 110 is used to send and receive various information. In particular, the communication unit 110 receives login information and service requests corresponding to the electronic device 10. The login information is the account password for the user to log in to Internet Banking. The service request is the financial service that the user wants to perform, for example, opening an account, increasing the authority of a digital account, high-value transfer, fund subscription, high-value exchange, reissue and replacement of financial card, etc., but this disclosure is not limited to this.

In the embodiment of the present disclosure, the communication unit 110 is implemented by using a communication chip. The communication chip may be a global system for mobile communication (GSM) or a personal handy-phone system (PHS). ), Code Division Multiple Access (CDMA) system, Wideband Code Division Multiple Access (WCDMA) system, Long Term Evolution (LTE) system, Global Interoperable Microwave Access (Worldwide) Interoperability for Microwave Access (WiMAX) system, Wireless Fidelity (Wi-Fi) system or Bluetooth signal transmission component.

The processing unit 120 is used to perform the necessary operations of the video verification providing system 100. For example, the processing unit may be a central processing unit (CPU) or other programmable general-purpose or special-purpose microprocessor (Microprocessor ), digital signal processor (Digital Signal Processor, DSP), programmable controller, application specific integrated circuit (Application Specific Integrated Circuit, ASIC) or other similar components or combinations of the above components, the disclosure is not limited to this.

FIG. 2 is a schematic flowchart of a video verification providing method according to an embodiment of the disclosure. In an embodiment of the present disclosure, the video verification providing method is applicable to the video verification providing system 100 shown in FIG. 1, but the present disclosure is not limited to this. In the following, the video verification providing method will be described together with FIG. 1 and FIG. 2.

In step S210, the processing unit 120 receives the login information and service request through the communication unit 110. In detail, the login information is the account password for the customer to log on to online banking or mobile banking. Before the customer starts using the video verification providing system 100, he will first log in to the online banking or mobile banking system, so that the video verification providing system 100 receives the login information directly or through the online banking or mobile banking system. If the customer's login information is correct, the online banking or mobile banking system will provide multiple service contents for the customer to choose, such as large amount transfer, account opening application, etc. When the user clicks on any service content through the electronic device 10, the user's electronic device converts the user's operation into a service request, and transmits it to the video verification providing system 100 directly or through an internet banking or mobile banking system.

In step S220, the processing unit 120 executes the verification procedure according to the service request. The verification procedure is the verification process when the user executes the service request, and will have different verification procedures according to different service requests. The verification process generally has multiple verification steps. For example, the verification process has at least one or more of inputting and verifying user identity information, certificate upload, dual certificate upload, our bank's financial card verification, natural person certificate verification, etc. In detail, when the processing unit 120 executes the verification process to the step of “enter and verify user identity information”, the processing unit 120 will further compare the user's electronic data based on the user identity information that the user retains in the database of the bank. The user identity information input by the device 10. When the processing unit 120 executes the verification procedure to the step of "document upload or dual document upload", the processing unit 120 also performs optical text recognition on the document uploaded by the electronic device 10 and communicates with the user identity information input by the user and/or Or the user identity information stored in the bank's database for comparison. In this way, to verify whether the certificate is legal. When the processing unit 120 executes the verification procedure to "our bank's financial card verification and natural person certificate verification", the processing unit 120 reads the key of the financial card or natural person certificate and judges whether the financial card or natural person certificate is legal, and Determine whether the financial card or natural person certificate corresponds to the user's identity information. If in any step of the verification process, the processing unit 120 determines that the user is not a legitimate user, the processing unit 120 does not continue the verification process, and ends the verification process after a preset countdown seconds (for example, 300 seconds), and returns Pass the denial of service notification to the electronic device 10.

In addition, in another embodiment of the present disclosure, the user must bind the electronic device 10 and the installed mobile bank before using the video verification providing system 100. At this time, the device identification code of the electronic device 10 will be left in the bank's database. The processing unit 120 further connects to the bank's database through the communication unit 110, and determines whether the device identification code that transmits the user's identity information is recorded in the bank's database during the verification process to determine whether the electronic device 10 is legal. If the device identification code is not recorded in the bank's database, the processing unit 120 sends a denial of service request notification to the electronic device 10. In addition, in the case where the electronic device 10 is bound, the processing unit 120 may also request the electronic device 10 to return the biometric verification result. If the biometric verification result is a legitimate user, the verification procedure is continued. When the processing unit 120 has not received the biometrics result or the user whose biometrics result is unknown, the processing unit 120 does not continue the verification process and ends the verification process after a preset countdown seconds (for example, 300 seconds), and returns Denial of service notification to the electronic device 10. In the present disclosure, the processing unit 120 may use one or more combinations of the aforementioned different verification methods and arrange the execution sequence according to actual needs to complete the verification procedure. The verification procedure of the disclosure is not limited to the aforementioned verification methods.

In step S230, the processing unit 120 transmits a video verification button according to the registered telephone number or device identification code corresponding to the login information. Specifically, in this embodiment, video verification is the most important part of the verification process, so as to determine whether the user applying for the service is the user through the assistance of the customer service personnel. Therefore, the processing unit 120 will further send the video verification button according to the registered telephone number corresponding to the login information. When the user applies for banking services for the first time and applies for online banking or mobile banking, a registered telephone number will be retained as the legal telephone number of the bank when sending notifications and SMS verification codes. The processing unit 120 will send a video verification button according to the registered telephone number for the customer to continue the video verification. Or, if the customer has bound the electronic device 10 and its mobile bank in the database of the bank in advance, the processing unit 120 may also send the video verification button message to the electronic device 10 in a push broadcast manner. In other words, the video verification button in this disclosure not only provides customers with video verification enabled, in fact, the mechanism of sending video verification through a phone number or a bound electronic device can also repeatedly confirm whether the service sponsor is himself or herself. The safety of the person is protected by an extra layer.

In an embodiment of the present disclosure, the video verification button is, for example, a hyperlink, a button with a graphical user interface, or other diagrams. The present disclosure is not limited to this, any user can activate the electronic device 10, and The form of guiding the electronic device 10 to the customer service system can be adopted in the present disclosure.

It should be noted that video verification is a part of the verification process, and this disclosure does not limit the content of the verification process that runs before video verification. However, regardless of the content of the verification process that was run before the video verification, the client must complete the verification process before receiving the video verification button. Therefore, it also avoids that users immediately enter the online customer service to request the application service without completing the necessary procedures, which will cause trouble to the customer service.

In step S240, when the video verification button is activated, the electronic device receiving the video verification button is directed to the customer service center for video verification. This disclosure does not limit how the customer service center conducts video verification.

It is worth mentioning that, in step S230, when the processing unit 120 sends the video verification button to the electronic device 10, the processing unit 120 will also send the user's service request and other verification information that has been input to the customer service center 20 For reference by customer service staff. In detail, in an embodiment of the present disclosure, the processing unit 120 will give the service request a service number. In addition, the processing unit 120 transmits the service request, verification information and service number of the user to the customer service system through the communication unit 110, so that the customer service center 20 can learn the corresponding customer and service according to the video verification. In yet another embodiment of the present disclosure, the processing unit 120 sends the user's service request, authentication information, and service number to a to-do form of a remote server, and the customer service center 20 will pass the Run a form to obtain the customer and service corresponding to this video verification. This disclosure is not limited to the above method.

In an embodiment of the present disclosure, if the processing unit 120 receives a successful verification result from the customer service center 20, the electronic device is also guided to continue the verification procedure. In detail, as mentioned above, the processing unit 120 can receive the service number and the video verification result through the communication unit 110. Or, the customer service center 20 updates the video verification result to the remote server, and the processing unit 120 connects to the remote server to update the verification result. The disclosure is not limited to this. In addition, since the video verification is a part of the verification process, after the video verification is completed, the processing unit 120 will guide the electronic device to continue the verification process to complete the service bidding process.

In summary, the video verification providing system and the video verification providing method disclosed by the present disclosure can provide customers to connect to the customer service center for video verification when they apply for services on the network. Based on this, users can not only directly apply for services through the Internet, but also be able to further maintain the security of network services through the confirmation of customer service personnel, in order to achieve a balance between convenience and security. In particular, in this disclosure, the video verification button will be sent through the registered phone number or the bound electronic device, which has a more layer of protection and strengthens the security of online bidding services.

Although the present invention has been disclosed as above with examples, it is not intended to limit the present invention. Any person with ordinary knowledge in the technical field can make some changes and modifications without departing from the spirit and scope of the present invention. The scope of protection of the present invention shall be subject to the scope defined in the appended patent application.

10: Electronic device 20: Customer service center 100: Video verification providing system 110: Communication unit 120: Processing unit S210~S240: Steps

FIG. 1 is a schematic diagram of a video verification providing system according to an embodiment of the disclosure. FIG. 2 is a schematic flowchart of a video verification providing method according to an embodiment of the disclosure.

10: Electronic device

20: Customer Service Center

100: Video verification providing system

110: communication unit

120: processing unit

Claims (10)

A video verification providing system includes: a communication unit receiving a login information and a service request; and a processing unit connected to the communication unit and performing a verification procedure according to the service request, wherein the processing unit is performing the verification procedure At that time, a video verification button is sent according to the registered telephone number or an electronic device bound to the login information, so that the electronic device receiving the video verification button is directed to a customer service when the video verification button is activated The center conducts video verification. The video verification providing system as described in item 1 of the patent application scope, wherein when the processing unit receives the verification success result from the customer service center through the communication unit, the processing unit directs the electronic device to continue the verification procedure. The video verification providing system as described in item 1 of the patent application scope, wherein the processing unit also provides a personal data input interface according to the service request to receive user identity information, and the processing unit also judges the use based on the user identity information Whether the user is legal, and send the video verification button when judging that the user is legal. The video verification providing system as described in item 1 of the patent application scope, wherein the processing unit also generates a service number corresponding to the service request and sends the service number, the service request and a verification corresponding to the user and the verification procedure Information to the customer service center. The video verification providing system as described in item 1 of the patent application scope, wherein the processing unit also generates a service number corresponding to the service request, and verifies the service number, the service request and a verification corresponding to the user and the verification procedure The data is sent to a remote server so that the customer service center can connect to the remote server for downloading. A method for providing video authentication includes: receiving a login information and a service request; and executing an authentication procedure based on the service request; wherein, in executing the authentication procedure, the method further includes: registering a corresponding phone number or binding based on the login information The electronic device transmits a video verification button, and when the video verification button is activated, the electronic device receiving the video verification button is directed to a customer service center for video verification. The method for providing video verification as described in item 6 of the scope of patent application further includes: when receiving a successful verification result from the customer service center, directing the electronic device to continue the verification procedure. The method for providing video verification as described in item 6 of the patent application scope further includes: providing a personal data input interface according to the service request to receive user identity information; and judging whether the user is legal based on the user identity information, and Sending the video verification button when judging that the user is legal. The method of providing video verification as described in item 6 of the patent application scope further includes: generating a service number corresponding to the service request; and sending a verification number of the service number, the service request and the corresponding user and the verification process to The customer service center. The method of providing video verification as described in item 6 of the patent application scope further includes: generating a service number corresponding to the service request; and sending a verification number of the service number, the service request and the corresponding user and the verification process to A remote server, so that the customer service center connects to the remote server to obtain the service number, the service request, and the verification data.

Images