TW202014925A - Video verification providing system and method thereof - Google Patents
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本發明是有關於一種提供驗證的技術,且特別是有關於一種視訊驗證提供系統及視訊驗證提供方法。The invention relates to a technology for providing verification, and in particular to a video verification providing system and a video verification providing method.
在數位化的時代,越來越多客戶傾向以網路取代臨櫃,以期能讓網路打破地點的限制,達到不論在哪裡都能使用各類金融服務的效果。然而,由於金融服務性質較為敏感且管制較多,倘若牽涉到使用者的權限變更、大筆金額交易或高風險交易時,使用者仍必須前往銀行臨櫃辦理。因此,如何能夠減少使用者的困擾,同時維持金融服務的安全性為本領域技術人員所致力的課題。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.
本揭露提供一種視訊驗證提供系統及視訊驗證提供方法,以在申辦服務時,在驗證程序中加入視訊驗證,以加強金融服務的安全性。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.
本揭露一實施例的視訊驗證提供系統具有通訊單元及處理單元。通訊單元接收登入資訊及服務請求。處理單元連接至通訊單元,並依據服務請求執行驗證程序。處理單元於執行驗證程序時,依據登入資訊相應的註冊電話號碼而通過通訊單元傳送視訊驗證鈕,以使接收視訊驗證鈕的電子裝置於視訊驗證鈕被啟用時,被導引至客服中心進行視訊驗證。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.
本揭露一實施例的訊驗證方法,具有下列步驟。接收一登入資訊及一服務請求;以及依據該服務請求執行驗證程序。於執行驗證程序中還具有下述步驟。依據登入資訊相應的註冊電話號碼,以傳送視訊驗證鈕,且當視訊驗證鈕被啟用時,接收視訊驗證鈕的電子裝置被導引至客服中心進行視訊驗證。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.
基於上述,本揭露的視訊驗證提供系統與視訊驗證提供方法能夠提供客戶在網路上申辦服務時,導引其連至客服中心進行視訊驗證。基此,使用者不僅可以通過網路直接進行服務的申辦,更能夠通過客服人員的確認進一步維護網路服務的安全性,以在便利性與安全性間達到平衡。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.
為讓本發明的上述特徵和優點能更明顯易懂,下文特舉實施例,並配合所附圖式作詳細說明如下。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.
圖1繪示本揭露一實施例視訊驗證提供系統的示意圖。請參照圖1,本揭露的視訊驗證提供系統100具有通訊單元110以及處理單元120。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
在本揭露的一實施例中,視訊驗證提供系統100會通過通訊單元110而連接於使用者的電子裝置10以及客服中心20。電子裝置10為使用者所持有的終端裝置,例如,個人電腦、筆記型電腦、平板電腦或手機等,本揭露不限於此。任何能夠讓使用者使用並運行網路銀行或行動銀行者,皆可被運用於本揭露中。In an embodiment of the present disclosure, the video
客服中心20則為提供給客服人員使用的外部系統,本揭露並不限制客服中心20的架構與運行方式。除此之外,在本揭露的一實施例,視訊驗證提供系統100會結合於行動銀行或網路銀行系統,以讓使用者在運行行動銀行或網路銀行系統,並欲採用特定服務時,得以直接採用視訊驗證提供系統100的各式功能。然在本揭露的另一實施例中,視訊驗證提供系統100會獨立在行動銀行系統或網路銀行系統之外,以讓使用者在運行行動銀行系統或網路銀行系統,並欲採用特定服務時,通過行動銀行系統或網路銀行系統呼叫視訊驗證提供系統100,以執行視訊驗證提供系統100的各式功能。本揭露並不限於此。The
通訊單元110用以傳送與接收各種資訊,特別是,通訊單元110會接收相應於電子裝置10的登入資訊及服務請求。登入資訊為使用者登入網路銀行的帳號密碼。服務請求為使用者所欲執行的金融服務,例如,開戶、數位帳戶權限提升、高額轉帳、基金申購、高額換匯、金融卡補換發等,然本揭露不限於此。The
在本揭露的實施例中,通訊單元110是採用通訊晶片進行實作,通訊晶片可為支援全球行動通信(Global System for Mobile communication, GSM)、個人手持式電話系統(Personal Handy-phone System, PHS)、碼多重擷取(Code Division Multiple Access, CDMA)系統、寬頻碼分多址(Wideband Code Division Multiple Access, WCDMA)系統、長期演進(Long Term Evolution, LTE)系統、全球互通微波存取(Worldwide interoperability for Microwave Access, WiMAX)系統、無線保真(Wireless Fidelity, Wi-Fi)系統或藍牙的信號傳輸的元件。In the embodiment of the present disclosure, the
處理單元120用以執行視訊驗證提供系統100的必要運算,例如,處理單元可以為中央處理單元(Central Processing Unit,CPU),或是其他可程式化之一般用途或特殊用途的微處理器(Microprocessor)、數位信號處理器(Digital Signal Processor,DSP)、可程式化控制器、特殊應用積體電路(Application Specific Integrated Circuit,ASIC)或其他類似元件或上述元件的組合,本揭露不限於此。The
圖2繪示本揭露一實施例視訊驗證提供方法的流程示意圖。在本揭露的一實施例中,視訊驗證提供方法適用於圖1繪示的視訊驗證提供系統100,然本揭露不限於此。以下將同時搭配圖1與圖2對視訊驗證提供方法進行說明。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
在步驟S210,處理單元120通過通訊單元110接收登入資訊及服務請求。詳細來說,登入資訊為客戶登入網路銀行或行動銀行的帳號密碼。在客戶開始使用視訊驗證提供系統100之前,會先登入於網路銀行或行動銀行系統中,而使視訊驗證提供系統100直接或通過網路銀行或行動銀行系統接收此登入資訊。倘若客戶的登入資訊無誤,網路銀行或行動銀行系統會提供多筆服務內容供客戶選擇,例如,大額轉帳、開戶申請等。當使用者通過電子裝置10點選任一服務內容,使用者的電子裝置會將使用者的操作轉換為服務請求,並直接或通過網路銀行或行動銀行系統傳送至視訊驗證提供系統100。In step S210, the
在步驟S220,處理單元120依據服務請求執行驗證程序。驗證程序為使用者執行服務請求時的驗證過程,並會依據不同的服務請求而有不同的驗證程序。驗證程序一般具有多個驗證步驟,例如,驗證程序至少具有輸入並驗證使用者身分資訊、證件上傳、雙證件上傳、本行金融卡驗證、自然人憑證驗證等其中之一個或多個。詳細來說,當處理單元120執行驗證程序而至「輸入並驗證使用者身分資訊」步驟時,處理單元120會進一步依據使用者留存在本行資料庫的使用者身分資訊比對使用者通過電子裝置10輸入的使用者身分資訊。當處理單元120執行驗證程序而至「證件上傳或雙證件上傳」的步驟時,處理單元120還會對電子裝置10上傳的證件進行光學文字辨識,並與使用者輸入的使用者身分資訊及/或留存在本行資料庫的使用者身分資訊進行比對。藉此,以驗證證件是否合法。當處理單元120執行驗證程序而至「本行金融卡驗證和自然人憑證驗證」時,處理單元120會讀取金融卡或自然人憑證的金鑰,並藉此判斷金融卡或自然人憑證是否合法,並判斷金融卡或自然人憑證是否相應於使用者身分資訊。倘若在驗證程序的任一步驟中,處理單元120判斷使用者非為合法使用者,處理單元120不續行驗證程序,並於預設倒數秒數(例如300秒)後結束驗證程序,並回傳拒絕服務通知至電子裝置10。In step S220, the
除此之外,在本揭露的另一實施例中,使用者必須在使用視訊驗證提供系統100之前對電子裝置10及其安裝的行動銀行進行綁定。此時,電子裝置10的裝置識別碼會被留存在本行資料庫中。處理單元120會進一步通過通訊單元110連線至本行資料庫,並在驗證程序中判斷傳送使用者身分資訊的裝置識別碼是否被記錄於本行資料庫中,以判斷電子裝置10是否合法。倘若裝置識別碼並未被記錄於本行資料庫中,處理單元120發出拒絕服務請求通知至電子裝置10。除此之外,在電子裝置10被綁定的情形下,處理單元120亦可請求電子裝置10回傳生物辨識驗證結果,若生物辨識驗證結果為合法使用者,則續行驗證程序。在處理單元120並未收到生物辨識結果或生物辨識結果為未知的使用者,處理單元120不續行驗證程序,並於預設倒數秒數(例如300秒)後結束驗證程序,並回傳拒絕服務通知至電子裝置10。本揭露中,處理單元120可以通過前述不同驗證方式的一個或多個組合,並依據實際需求安排執行的先後順序,進而完成驗證程序,且本揭露的驗證程序並不限於前述的驗證方式。In addition, in another embodiment of the present disclosure, the user must bind the
在步驟S230,處理單元120依據登入資訊相應的註冊電話號碼或裝置識別碼,傳送視訊驗證鈕。具體來說,在本實施例中視訊驗證是驗證程序中最重要的一環,以通過客服人員的協助進而判斷申辦服務的使用者是否是本人。因此,處理單元120會進一步依據登入資訊相應的註冊電話號碼發送視訊驗證鈕。由於使用者在初次申辦銀行服務並申辦網路銀行或行動銀行之際,會留存一個註冊電話號碼,以作為銀行在發送通知、簡訊驗證碼時的合法電話號碼。處理單元120即會依據此註冊電話號碼發送視訊驗證鈕,以供客戶續行視訊驗證。又或者是,倘若客戶已事先綁定電子裝置10及其行動銀行於本行資料庫中,處理單元120也可以採用推播的方式而將視訊驗證鈕訊息傳送至電子裝置10中。換句話說,在本揭露中的視訊驗證鈕不僅是提供客戶啟用視訊驗證,實際上通過電話號碼或已綁定的電子裝置傳送視訊驗證的機制更可重複確認服務申辦人是否為本人,對使用者的安全多一層保護。In step S230, the
在本揭露的一實施例中,視訊驗證鈕例如為超連結、夾帶使用者圖形介面呈現的按鈕或其他圖式,本揭露並不限於此,任何能夠由使用者於電子裝置10中啟用,並導引電子裝置10至客服系統中的形式皆可被採用於本揭露中。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
須說明的是,視訊驗證為驗證程序的一個環節,本揭露並不限制視訊驗證之前所運行的驗證程序的內容。然而,不論在視訊驗證之前所運行的驗證程序內容是什麼,客戶都必須完成驗證程序後,才會收到視訊驗證鈕。因此,也避免使用者在未完成必須手續下,立即進線客服要求申辦服務,造成客服的困擾。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.
在步驟S240,當該視訊驗證鈕被啟用時,接收視訊驗證鈕的電子裝置被導引至客服中心進行視訊驗證。本揭露並不限制客服中心如何進行視訊驗證。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.
值得一提的是,在步驟S230,處理單元120傳送視訊驗證鈕至電子裝置10時,處理單元120同時也會發送使用者的服務請求及其他已輸入與使用者相關的驗證資訊至客服中心20,以供客服人員參考。詳細來說,在本揭露的一實施例中,處理單元120會給予此服務請求一個服務編號。並且,處理單元120會將使用者的服務請求、驗證資訊以及服務編號一併通過通訊單元110傳送至客服系統中,以使客服中心20能夠據以獲知此視訊驗證對應的客戶及服務。在本揭露的又一實施例中,處理單元120是將使用者的服務請求、驗證資訊以及服務編號傳送至一遠端伺服器的待辦表單中,客服中心20會通過遠端伺服器的待辦表單進而獲取此視訊驗證對應的客戶及服務。本揭露並不限於上述方式。It is worth mentioning that, in step S230, when the
在本揭露的一實施例中,倘若處理單元120接收到來自客服中心20的驗證成功結果時,還會導引電子裝置續行驗證程序。詳細來說,如同前述,處理單元120可以通過通訊單元110接收服務編號以及視訊驗證結果。又或者是,客服中心20會將視訊驗證結果更新至遠端伺服器,而處理單元120會連線至遠端伺服器以更新驗證結果,本揭露並不限於此。此外,由於視訊驗證為驗證程序的一個環節,在視訊驗證結束後,處理單元120會導引電子裝置續行驗證程序,以完成服務申辦的流程。In an embodiment of the present disclosure, if the
綜上所述,本揭露的視訊驗證提供系統與視訊驗證提供方法能夠提供客戶在網路上申辦服務時,導引其連至客服中心進行視訊驗證。基此,使用者不僅可以通過網路直接進行服務的申辦,更能夠通過客服人員的確認進一步維護網路服務的安全性,以在便利性與安全性間達到平衡。特別是,在本揭露中,視訊驗證按鈕會通過註冊電話號碼或已綁定的電子裝置進行發送,更多了一層保護,加強了網路申辦服務的安全性。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.
雖然本發明已以實施例揭露如上,然其並非用以限定本發明,任何所屬技術領域中具有通常知識者,在不脫離本發明的精神和範圍內,當可作些許的更動與潤飾,故本發明的保護範圍當視後附的申請專利範圍所界定者為準。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:電子裝置20:客服中心100:視訊驗證提供系統110:通訊單元120:處理單元S210~S240:步驟10: Electronic device 20: Customer service center 100: Video verification providing system 110: Communication unit 120: Processing unit S210~S240: Steps
圖1繪示本揭露一實施例視訊驗證提供系統的示意圖。 圖2繪示本揭露一實施例視訊驗證提供方法的流程示意圖。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:電子裝置 10: Electronic device
20:客服中心 20: Customer Service Center
100:視訊驗證提供系統 100: Video verification providing system
110:通訊單元 110: communication unit
120:處理單元 120: processing unit
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