TW202303499A - Service system and verifying method - Google Patents

Abstract

A service system includes a first server unit and a second server unit. The first server unit is configured to transfer a verifying indication corresponding to a service request to a client end after receiving the service request from the client end. The second server unit is configured to determine whether a verification pass condition corresponding to data to be verified is match after the first server unit receiving the data to be verified corresponding to the verifying indication, and implement a service processing procedure corresponding to the service request upon the determining is affirmative. Wherein the verification pass condition represents that an operation record generated by an ATM and matching the data to be verified exists.

Description

Service system and verification method

The present invention relates to a service system, in particular to a service system capable of providing electronic financial services. The invention also relates to an authentication method implemented by the service system.

In a modern society where electronic financial services are popular, based on information security considerations, it is essential for financial institutions to verify customer identities before providing services. Therefore, how to balance the convenience and reliability of verification has become an issue worth exploring.

Therefore, one of the objectives of the present invention is to provide a service system that can perform authentication in a manner that balances convenience and reliability.

The service system of the present invention is suitable for electrical connection with a client, and the service system includes a first server unit and a second server unit electrically connected to the first server unit. Wherein, after receiving a service request from the client, the first server unit sends a verification instruction of the service request to the client, and the second server unit receives a service request from the first server unit. Judging whether a verification pass condition of a pair of data to be verified corresponds to the data to be verified indicated by the verification instruction, and executing a service processing program corresponding to the service request if the judgment result is yes, wherein the verification pass condition includes The second server unit determines that there is a matching operation record generated by an automatic teller equipment and matching the data to be verified.

In some implementation aspects of the service system of the present invention, the verification passing condition further includes an interval time length between the first time of the service request and the second time of the matching operation record being less than a time length threshold value.

In some implementation aspects of the service system of the present invention, the verification passing condition further includes a distance distance between the first location of the client and the second location of the automatic teller machine being less than a distance threshold.

In some implementation aspects of the service system of the present invention, the verification instruction includes a specific operation instruction related to the automatic teller equipment, the specific operation instruction corresponds to a specific processing procedure that can be executed by the automatic teller equipment, and the waiting The authentication data is related to the execution result of the specific processing procedure performed by the automatic teller machine.

In some implementation aspects of the service system of the present invention, the verification instruction also includes a specified amount, and the specific processing program is a financial transfer program corresponding to a virtual account for verification.

Another object of the present invention is to provide a verification method implemented by the service system.

The verification method of the present invention is implemented by a service system, the service system is suitable for electrical connection with a client, and the verification method includes: the service system transmits a corresponding service request after receiving a service request from the client The verification instruction to the client, and, after receiving a pair of data to be verified corresponding to the verification instruction, the service system judges whether the verification passing condition of a pair of data to be verified meets, and executes if the judgment result is yes A service processing program for the service request, wherein the verification passing condition includes that the service system determines that there is a matching operation record generated by an automatic teller device and matching the data to be verified.

In some implementation aspects of the verification method of the present invention, the verification passing condition further includes an interval time length between the first time corresponding to the service request and the second time corresponding to the matching operation record being less than a time length threshold value.

In some implementation aspects of the verification method of the present invention, the verification passing condition further includes that a distance between the first location of the client and the second location of the ATM is less than a distance threshold.

In some implementation aspects of the verification method of the present invention, the verification instruction includes a specific operation instruction related to the automatic teller equipment, the specific operation instruction corresponds to a specific processing procedure that can be executed by the automatic teller equipment, and the waiting The authentication data is related to the execution result of the specific processing procedure performed by the automatic teller machine.

The efficacy of the present invention lies in that the service system can verify the service request from the client by utilizing the widely distributed and numerous automatic teller devices, while simultaneously taking into account the convenience of verification for the client and the reliability of the verification itself.

Before the present invention is described in detail, it should be noted that if there is no special definition, the "electrical connection" mentioned in this patent specification generally refers to the "wire connection" realized by connecting multiple electronic devices/devices/elements to each other through conductive materials. Electrical connection" and "radio connection" for one-way/two-way wireless signal transmission through wireless communication technology. Moreover, if not specifically defined, the "electrical connection" mentioned in this patent specification also generally refers to the "direct electrical connection" formed by direct connection between multiple electronic devices/devices/components, and multiple electronic devices/ The "indirect electrical connection" between devices/components is also indirectly connected to each other through other electronic devices/devices/components.

1 and 2, an embodiment of the service system 1 of the present invention is managed by a financial institution (such as a bank), and the service system 1 is suitable for communicating with multiple clients 2 through the network (Fig. 1 only One is shown) and a plurality of automatic teller devices 3 (only one is shown in FIG. 1 ) are electrically connected.

In the application of this embodiment, each client 2 may be, for example, a computer device or a mobile device owned by a customer of the financial institution. On the other hand, each automatic teller device 3 is an ATM, and each automatic teller device 3 may, for example, be managed by the financial institution, or may, for example, be managed by another financial institution different from the financial institution. Moreover, for ease of understanding, in the following description, only the client terminal 2 and the ATM 3 shown in FIG. 1 are used to illustrate this embodiment.

In this embodiment, the service system 1 includes, for example, a first server unit 11 and a second server unit 12 electrically connected to the first server unit 11 . Wherein, the first server unit 11 is, for example, used to process electronic financial services provided by the financial institution, and is regarded as an internet bank server. On the other hand, the second server unit 12 is, for example, used as an operating system server, and is equivalent to, for example, the financial host of the financial institution.

It is supplemented that, in other embodiments, the service system 1 can also be implemented as a single server unit including one or more server devices. Therefore, the specific implementation of the service system 1 is not based on This example is limited.

Referring to FIG. 1 and FIG. 2 at the same time, how the service system 1 of this embodiment implements a verification method will be described in detail below.

First, in step S1 , the first server unit 11 receives a service request from the client 2 . Wherein, the service request may, for example, be generated by the client terminal 2 according to an operation of a user (for example, one of the customers of the financial institution), and the service request indicates, for example, one of the Certain electronic financial services. More specifically, for example, the service request in this embodiment may be, for example, a request for changing the password of an online bank account for changing the password, but it is not limited thereto.

After the first server unit 11 receives the service request, the process proceeds to step S2.

In step S2 , the first server unit 11 responds to the service request and transmits a verification instruction of the service request to the client 2 for the client 2 to output the verification instruction in a display manner. In this embodiment, the verification instruction includes, for example, a specific operation instruction, and the specific operation instruction corresponds to, for example, a specific processing procedure that can be executed by the automatic teller machine 3 . More specifically, for example, in this embodiment, the specific processing program indicated by the specific operation instruction may be, for example, an account balance inquiry program. In other words, the verification instruction is, for example, used to prompt the user to go to any The automatic teller device 3 completes the verification of the service request by inquiring about the balance of the financial account, but it is not limited thereto.

After the first server unit 11 sends the verification instruction to the client 2, the process proceeds to step S3.

In step S3, when the first server unit 11 receives a verification instruction corresponding to the data to be verified corresponding to the service request, the first server unit 11 generates a verification request containing the data to be verified, and sends the The verification request is sent to the second server unit 12 .

In this embodiment, the data to be verified may, for example, be generated by the client 2 according to the user's operation and sent to the first server unit 11, in other words, the first server unit 11 may be, for example, from the Client 2 receives the data to be verified. Moreover, the data to be verified also corresponds to one of the automatic teller devices. For the convenience of description, it is assumed that the data to be verified in this embodiment corresponds to the automatic teller device 3 shown in FIG. 1 .

More specifically, in this embodiment, the data to be verified is generated, for example, by the client 2 according to the user's editing of a data to be verified input interface. Wherein, the data-to-be-verified input interface is provided to the client 2 by the first server unit 11 through the network, for example, and the data-to-be-verified input interface includes, for example, one or more input fields. In addition, the input field(s) may be used, for example, for the user to input at least one of their identity information (such as ID number or date of birth), account information (such as account password) and a key content.

Further, since the specific processing program in this embodiment is an account balance inquiry program as an example, the key content in this embodiment may be, for example, a financial account balance related to the account balance inquiry program. In other words, the key content of the data to be verified is used to indicate the execution result of the specific processing program executed by the automatic teller device 3 , but it is not limited thereto.

It is supplemented that, in other embodiments, the data to be verified may also come from other electronic devices held by the user, for example, and not necessarily from the client 2. Therefore, the data to be verified The source of is not limited to this embodiment.

After the first server unit 11 transmits the verification request to the second server unit 12, the process proceeds to step S4.

In step S4, when the second server unit 12 receives the verification request, the second server unit 12 judges whether a verification pass condition corresponding to the data to be verified is satisfied. In this embodiment, the verification passing condition, for example, represents that all three of a first sub-condition, a second sub-condition and a third sub-condition are met, and the following respectively discusses the first sub-condition and the second sub-condition in this implementation. The second sub-condition and the third sub-condition will be described.

For the first sub-condition of this embodiment, the second servo unit 12 judges whether the first sub-condition is satisfied, for example, according to a plurality of operation records stored in an operation record database, wherein each operation record can be For example, it is generated by one of the automatic teller equipment 3 according to the execution process and result of a specific processing program (such as account balance inquiry program, financial transfer program and deposit program, etc.).

Moreover, in this embodiment, the first sub-condition, for example, represents that the second server unit 12 determines that there is a matching operation record matching the data to be verified among the operation records in the operation record database. For example, assuming that the data to be verified corresponds to a specific financial account and contains a balance inquiry result of "832561", and assumes that one of the operation records of the balance inquiry also corresponds to the specific financial account If the account also includes the balance inquiry result of "832561", the second server unit 12 will use the balance inquiry operation record as a matching operation record, and determine that the first sub-condition is met. And if, otherwise, the second server unit 12 determines that none of the operation records matches the data to be verified, then the second server unit 12 determines that the first sub-condition is not met.

It should be added that if the ATM 3 corresponding to the data to be verified is managed by the financial institution itself, then the second server unit 12 can, for example, determine the ATM according to its own stored operation record database. Whether the first sub-condition is met, and if the ATM 3 corresponding to the data to be verified is not managed by the financial institution, then the second server unit 12 can be, for example, stored in a financial company The operation record database of the server (not shown in the figure) is used to determine whether the first sub-condition is met, but it is not limited thereto.

For the second sub-condition of this embodiment, the second sub-condition is, for example, an interval time length between a first time corresponding to a service request and a second time corresponding to a matching operation record being less than a time length threshold. Wherein, the first time may be, for example, the time when the client 2 outputs the service request, or the time when the first server unit 11 receives the service request, but it is not limited thereto. On the other hand, the second time may be, for example, the time when the ATM 3 generates the matching operation record, or the time when the ATM 3 completes the specific processing procedure corresponding to the matching operation record, but it does not This is the limit.

For the third sub-condition of this embodiment, the third sub-condition is, for example, a distance between a first position of the client terminal 2 and a second position of the automatic teller device 3 that is less than one distance threshold. Wherein, the first position may be, for example, the GPS positioning coordinates when the client terminal 2 outputs the service request, and the second position may be, for example, the longitude and latitude coordinates corresponding to the setting address of the automatic teller machine 3, but not in This is the limit.

It is supplemented that, in other embodiments, the verification passing condition may also represent that the first sub-condition is met without including the second sub-condition and/or the third sub-condition, therefore, the verification passing condition The specific implementation is not limited to this embodiment. On the other hand, in other embodiments, whether the verification passing condition is met can also be judged by the first servo unit 11, or judged by the division of labor between the first servo unit 11 and the second servo unit 12 , but not limited to this embodiment.

If the second server unit 12 determines that the verification passing condition is met (that is, all three of the first sub-condition to the third sub-condition are met), the process proceeds to step S5. On the other hand, if the second server unit 12 determines that the verification pass condition corresponding to the data to be verified is not met (that is, any one of the first sub-condition to the third sub-condition is not met), then The flow proceeds to step S6.

In step S5 following step S4, once the second server unit 12 judges that the verification pass condition is met, the second server unit 12, for example, generates and transmits a verification pass notification to the first server unit 11, so that The first server unit 11 executes a service processing program corresponding to the service request after receiving the verification notification.

Continuing the example cited in step S1, since the service request in this embodiment is a request for changing the password of an online bank account, the service processing program in this embodiment can be, for example, a request for changing the password of a corresponding online bank account The online bank account password change procedure, but not limited thereto. It is supplemented that, in some implementation aspects, the service processing program may also be executed by the second server unit 12, and is not limited to this embodiment.

In step S6 following step S4, once the second server unit 12 judges that the verification passing condition is not met, the second server unit 12, for example, generates a verification failure notice, and for example, passes the verification failure notice through the The first server unit 11 transmits to the client 2 . Moreover, if it is determined that the verification passing condition is not met, the service system 1 will not execute the service processing program corresponding to the service request.

The above is an illustration of how the service system 1 of this embodiment implements the verification method. By implementing the verification method, the service system 1 of this embodiment can use the automatic teller machine 3 to verify the service request from the client terminal 2 . It is worth mentioning that, due to the wide distribution and large number of ATMs, this embodiment can ensure the convenience for users to verify. It can also ensure the reliability of verification.

In another embodiment of the service system 1 of the present invention, the verification instruction sent by the first server unit 11 also includes a specified amount, and the specific processing program corresponding to the specific operation instruction can be, for example, a corresponding - Verify the financial transfer procedure with the virtual account. More specifically, the virtual account for verification can be set by one of the first server unit 11 and the second server unit 12 according to the service request, that is to say, in the other implementation described In an example, the specific operation instruction is used to, for example, instruct the user to go to the automatic teller device 3 to operate to transfer a specified amount to the virtual account for verification, thereby completing the verification of the service request. In this way, the verification method of this embodiment can be applied to service requests with higher potential risks (such as non-agreed online transfer requests with relatively high transfer amounts).

It should be understood that steps S1 to S6 in this embodiment and the flow chart in FIG. 2 are only used to illustrate one of the possible implementations of the verification method, and even if steps S1 to S6 are combined and split Or sequence adjustment, if the effect equal to this embodiment can be achieved, it still belongs to the implementable aspect of the verification method of the present invention. Therefore, the steps S1 to S6 of this embodiment and the flowchart of FIG. 2 are not intended to limit this embodiment. The practical scope of the invention.

To sum up, by implementing the verification method, the service system 1 of this embodiment can use the widely distributed and numerous automatic teller devices 3 to verify the service request from the client 2, while taking into account the verification of the customer Timely convenience and the reliability of verification itself, so the purpose of the present invention can be really achieved.

But what is described above is only an embodiment of the present invention, and should not limit the scope of the present invention. All simple equivalent changes and modifications made according to the patent scope of the present invention and the content of the patent specification are still within the scope of the present invention. Within the scope covered by the patent of the present invention.

1: Service system 11: The first servo unit 12: The second servo unit 2: client 3: Automatic teller equipment S1~S7: steps

Other features and effects of the present invention will be clearly presented in the implementation manner with reference to the drawings, wherein: Fig. 1 is a schematic block diagram, schematically showing an embodiment of the service system of the present invention, and a client terminal and an automatic teller device applied to the embodiment; and FIG. 2 is a flow chart for exemplarily illustrating how this embodiment implements a verification method.

1: Service system

11: The first servo unit

12: The second servo unit

2: client

3: Automatic teller equipment

Claims (10)

A service system, suitable for electrical connection with a client, and the service system includes: a first servo unit; and a second servo unit electrically connected to the first servo unit; Wherein, after receiving a service request from the client, the first server unit sends a verification instruction of the service request to the client, and the second server unit receives a service request from the first server unit. Judging whether a verification pass condition of a pair of data to be verified corresponds to the data to be verified indicated by the verification instruction, and executing a service processing program corresponding to the service request if the judgment result is yes, wherein the verification pass condition includes The second server unit determines that there is a matching operation record generated by an automatic teller equipment and matching the data to be verified. The service system as described in claim item 1, wherein the verification passing condition further includes a time interval between the first time of the service request and the second time of the matching operation record being less than a time length threshold value. The service system according to claim 1, wherein the verification passing condition further includes a distance between the first location of the client and the second location of the automatic teller machine being less than a distance threshold. The service system as described in claim 1, wherein the verification instruction includes a specific operation instruction related to the automatic teller equipment, the specific operation instruction corresponds to a specific processing procedure that can be executed by the automatic teller equipment, and the waiting The authentication data is related to the execution result of the specific processing procedure performed by the automatic teller machine. The service system according to claim 4, wherein the verification instruction further includes a specified amount, and the specific processing program is a financial transfer program corresponding to a virtual account for verification. A verification method implemented by a service system, the service system is suitable for electrical connection with a client, and the verification method includes: the service system sends a corresponding service request after receiving a service request from the client The verification instruction to the client, and, after receiving a pair of data to be verified corresponding to the verification instruction, the service system judges whether the verification passing condition of a pair of data to be verified meets, and executes if the judgment result is yes A service processing program for the service request, wherein the verification passing condition includes that the service system determines that there is a matching operation record generated by an automatic teller device and matching the data to be verified. The verification method as described in claim item 6, wherein the verification passing condition further includes a time interval between the first time corresponding to the service request and the second time corresponding to the matching operation record being less than a time length threshold value. The verification method according to claim 6, wherein the verification passing condition further includes that a distance between the first location of the client and the second location of the ATM is less than a distance threshold. The verification method as described in claim 6, wherein the verification instruction includes a specific operation instruction related to the automatic teller equipment, the specific operation instruction corresponds to a specific processing procedure that can be executed by the automatic teller equipment, and the waiting The authentication data is related to the execution result of the specific processing procedure performed by the automatic teller machine. The verification method according to claim 9, wherein the verification instruction further includes a specified amount, and the specific processing program is a financial transfer program corresponding to a virtual account for verification.

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