TW202411917A - Fast card issuance system and fast card issuance method - Google Patents

Abstract

A fast card issuance system includes a bank server, a review system host, a card bank host, a card making system host, a card making machine, a portable electronic device, and a service-end electronic device. The portable electronic device transmits a card application data related to the customer to the bank server. The service-end electronic device communicates with the portable electronic device via the review system host for the verification service personnel to perform identity verification and verification. When the review system host receives an approval instruction corresponding to the card application data from the service-end electronic device, the card bank host generates a card making information. The portable electronic device transmits the card making information to the card making machine via the card making system host. The card making machine generates a card according to the card making information.

Description

Quick card issuance system and quick card issuance method

The present invention relates to a banking system, in particular to a fast card issuance system and a fast card issuance method.

In the past, the credit card application process required several working days for the card manufacturer to produce the physical card, and it also took several working days to send the physical card. By the time the customer received the physical card, many days had passed since the application, and the customer's consumption impulse had mostly decreased, thus reducing the card usage rate.

How to develop a new rapid card issuance system that can improve the efficiency of the application process and shorten the waiting time of customers is a further topic to be explored in this invention.

Therefore, the purpose of the present invention is to provide a fast card issuance system.

Another object of the present invention is to provide a quick card issuing method.

Therefore, the fast card issuance system of the present invention includes a bank server, a collection and verification system host, a card bank host, a card making system host, a card making machine, a portable electronic device, and a service-end electronic device.

The host of the levy and review system is electrically connected to the bank server via a communication network. The host of the card bank is electrically connected to the bank server via a communication network. The host of the card making system is electrically connected to the bank server via a communication network. The card making machine is electrically connected to the host of the card making system via a communication network. The portable electronic device is electrically connected to the bank server via a communication network and is suitable for operation by a promotion service staff and a customer. The service-end electronic device is electrically connected to the host of the levy and review system via a communication network and is suitable for operation by an audit service staff.

The portable electronic device transmits a card application information related to the customer to the bank server.

The service-end electronic device communicates with the portable electronic device via video through the review system host for the review service personnel to perform identity verification and review.

When the review system host receives an approval instruction corresponding to the card application data from the service-end electronic device, the card bank host generates a card making information.

The portable electronic device transmits the card making information to the card making machine through the card making system host.

The card making machine generates a card according to the card making information.

In some implementations, before the portable electronic device transmits the card-making information to the card-making machine via the card-making system host, the card bank host generates a one-time verification code and sends the one-time verification code according to a communication data corresponding to the customer.

When the portable electronic device receives a one-time verification code to be verified input by the customer, the card bank host determines whether the one-time verification code to be verified matches the one-time verification code.

When the card bank host determines that the one-time verification code to be verified matches the one-time verification code, the portable electronic device transmits the card making information to the card making machine through the card making system host.

In some implementations, before the service-side electronic device communicates with the portable electronic device via video through the review system host for authentication and review by the review service personnel, the review system host calculates multiple scoring parameters based on the card application data and determines whether the scoring parameters meet the requirements for quick card issuance.

When the host computer of the vetting system determines that the scoring parameters do not meet the qualification for quick card issuance, the electronic device at the service end communicates with the portable electronic device via the host computer of the vetting system for the verification and verification by the verification service personnel.

In some implementations, the rapid card issuance system is adapted to communicate with a verification server, wherein the card application data includes an ID card scan file.

Before the review system host calculates the scoring parameters based on the card application information and determines whether the scoring parameters meet the quick card issuance qualification, the bank server extracts a replacement information from the ID card scan file through optical character recognition technology and sends a verification request containing the replacement information to the verification server.

After the bank server receives a verification pass notification in response to the verification request from the verification server, the review system host calculates the scoring parameters based on the card application information and determines whether the scoring parameters meet the quick card issuance qualification.

In some implementations, the card application data includes a card surface layout image, and the card making machine also generates the card based on the card surface layout image.

The present invention provides a fast card issuance method, which is implemented by a fast card issuance system. The fast card issuance system includes a bank server, a review system host, a card bank host, a card making system host, a card making machine, a portable electronic device, and a service end electronic device. The portable electronic device is suitable for a promotion service staff and a customer to operate. The service end electronic device is suitable for an audit service staff to operate. The method includes: the portable electronic device transmits a card application related to the customer. The data is sent to the bank server; the service-end electronic device communicates with the portable electronic device via the review system host for video communication so that the review service personnel can perform identity verification and review; when the review system host receives an approval instruction corresponding to the card application data from the service-end electronic device, the card bank host generates a card production information; the portable electronic device transmits the card production information to the card production machine via the card production system host; and the card production machine produces a card according to the card production information.

The effect of the present invention is that: the service-end electronic device can communicate with the portable electronic device via the review system host in real time through video so that the review service personnel can perform identity verification and review, and the portable electronic device can transmit the card-making information to the card-making machine via the card-making system host, and the card-making machine can generate the card according to the card-making information, thereby improving the efficiency of the application process and shortening the waiting time of the customer. In addition, the card-bank host generates and sends the one-time verification code, and only when the card-bank host determines that the one-time verification code to be verified matches the one-time verification code, the portable electronic device is allowed to transmit the card-making information to the card-making machine via the card-making system host, thereby improving information security.

Before the present invention is described in detail, it should be noted that similar components are represented by the same reference numerals in the following description.

Referring to FIG. 1 , an embodiment of the rapid card issuance system 100 of the present invention is suitable for communicating with a verification server 200 and comprises a bank server 1, a review system host 2, a card bank host 3, a card making system host 4, a card making machine 5, a portable electronic device 6, and a service-end electronic device 7.

The verification server 200 is, for example, a server belonging to the Financial Joint Credit Information Center. The review system host 2 is electrically connected to the bank server 1 via a communication network. The card bank host 3 is electrically connected to the bank server 1 via a communication network. The card production system host 4 is electrically connected to the bank server 1 via a communication network. The card production machine 5 is electrically connected to the card production system host 4 via a communication network and is, for example, installed in a branch.

The portable electronic device 6 is electrically connected to the bank server 1 via a communication network and is suitable for operation by a marketing service staff and a customer. The portable electronic device 6 is, for example, a tablet computer, but is not limited thereto.

The service-end electronic device 7 is electrically connected to the review system host 2 via a communication network and is suitable for operation by a review service personnel. The service-end electronic device 7 is, for example, a desktop computer or a laptop computer, but is not limited thereto.

Referring to FIG. 1 , FIG. 2A and FIG. 2B , the following describes the steps performed by the rapid card issuance system 100. First, as shown in step S01, the portable electronic device 6 transmits a card application data related to the customer to the bank server 1. In this embodiment, the card application data includes an ID card scan file and a card surface image.

Next, as shown in step S02, the bank server 1 extracts a replacement information from the ID card scan file through optical character recognition (OCR) technology, and sends a verification request including the replacement information to the verification server 200.

Next, as shown in step S03, the bank server 1 determines whether a verification pass notification in response to the verification request is received from the verification server 200. If not, the process ends. If so, step S04 is executed.

In this embodiment, in addition to verifying the replacement information through the verification server 200, the bank server 1 also uses the ID card scan file as input to use a deep learning recognition model to generate an ID card authenticity recognition result. If the ID card authenticity recognition result indicates that it is fake, the process ends. If the ID card authenticity recognition result indicates that it is true, step S04 is executed. In addition, in this embodiment, the bank server 1 also determines whether the file format of the card application data conforms to the predetermined format. If not, the process ends. If yes, step S04 is executed.

Step S04 is that the review system host 2 calculates multiple scoring parameters (such as income, payment status, debt ratio, etc.) based on the card application information.

Next, as shown in step S05, the review system host 2 determines whether the scoring parameters meet the requirements for quick card issuance. If not, step S06 is executed. If yes, step S07 is executed.

Step S06 is when the review system host 2 determines that the scoring parameters do not meet the quick card issuance qualification, the service-end electronic device 7 communicates with the portable electronic device 6 via the review system host 2 for the verification and review by the review service personnel.

Next, as shown in step S07, the review system host 2 determines whether an approval instruction corresponding to the card application information is received from the service-end electronic device 7. If not, the process ends. If so, step S08 is executed.

Step S08 is when the review system host 2 receives the approval instruction corresponding to the card application data from the service-end electronic device 7, the card bank host 3 generates a card production information (e.g. including the credit card number, expiration date, and security code). In this embodiment, the card bank host 3 provides the card production information to the portable electronic device 6 and the card production system host 4.

Next, as shown in step S09, the card bank host 3 generates a one-time verification code (OTP) and sends the OTP according to a communication data corresponding to the customer (for example, the OTP is sent in the form of a text message according to the customer's mobile phone number).

Next, as shown in step S10, when the portable electronic device 6 receives a one-time verification code to be verified input by the customer, the card bank host 3 determines whether the one-time verification code to be verified is consistent with the one-time verification code. If not, the process ends. If yes, step S11 is executed.

Step S11 is when the card bank host 3 determines that the one-time verification code to be verified matches the one-time verification code, the portable electronic device 6 transmits the card making information to the card making machine 5 via the card making system host 4.

Next, as shown in step S12, the card making machine 5 generates a card according to the card making information and the card surface image.

In summary, the present invention's rapid card issuance system 100 uses the service-side electronic device 7 to instantly communicate with the portable electronic device 6 via the review system host 2 for the verification service personnel to conduct identity verification and review, and uses the portable electronic device 6 to transmit the card-making information to the card-making machine 5 via the card-making system host 4, and the card-making machine 5 generates the card according to the card-making information, thereby improving the application process. The efficiency of the processing procedure is improved and the waiting time of the customer is shortened. In addition, the card bank host 3 generates and sends the one-time verification code, and only when the card bank host 3 determines that the one-time verification code to be verified matches the one-time verification code, the portable electronic device 6 is allowed to transmit the card making information to the card making machine 5 through the card making system host 4, thereby enhancing information security, and thus the purpose of the present invention can be achieved.

However, the above is only an embodiment of the present invention and should not be used to limit the scope of implementation of the present invention. All simple equivalent changes and modifications made according to the scope of the patent application of the present invention and the content of the patent specification are still within the scope of the present patent.

100: Fast card issuance system 1: Bank server 2: Review system host 3: Card bank host 4: Card making system host 5: Card making machine 6: Portable electronic device 7: Server electronic device 200: Verification server S01~S12: Steps

Other features and functions of the present invention will be clearly presented in the implementation method with reference to the drawings, in which: Figure 1 is a schematic diagram of a hardware connection relationship of an embodiment of the rapid card issuance system of the present invention; and Figures 2A and 2B are a flow chart of the embodiment.

100: Quick card issuance system

1: Bank server

2: Review system host

3: Card silver host

4: Card making system host

5: Card making machine

6: Portable electronic devices

7: Server-side electronic devices

Claims (10)

A fast card issuance system comprises: a bank server; a collection and approval system host, electrically connected to the bank server via a communication network; a card bank host, electrically connected to the bank server via a communication network; a card making system host, electrically connected to the bank server via a communication network; a card making machine, electrically connected to the card making system host via a communication network; a portable electronic device, electrically connected to the bank server via a communication network, and suitable for operation by a promotion service staff and a customer; and a service-end electronic device, electrically connected to the collection and approval system host via a communication network, and suitable for operation by an audit service staff; The portable electronic device transmits a card application data related to the customer to the bank server; The service-end electronic device communicates with the portable electronic device via the levy and review system host for the verification service personnel to conduct identity verification and verification; When the levy and review system host receives an approval instruction corresponding to the card application data from the service-end electronic device, the card bank host generates a card production information; The portable electronic device transmits the card production information to the card production machine via the card production system host; The card production machine produces a card according to the card production information. A fast card issuance system as described in claim 1, wherein, before the portable electronic device transmits the card production information to the card production machine through the card production system host, the card bank host generates a one-time verification code and sends the one-time verification code according to a communication data corresponding to the customer; When the portable electronic device receives a one-time verification code to be verified input by the customer, the card bank host determines whether the one-time verification code to be verified matches the one-time verification code; When the card bank host determines that the one-time verification code to be verified matches the one-time verification code, the portable electronic device transmits the card production information to the card production machine through the card production system host. The fast card issuance system as described in claim 1, wherein, before the service-side electronic device communicates with the portable electronic device via video through the review system host for verification and review by the review service personnel, the review system host calculates multiple scoring parameters based on the card application data and determines whether the scoring parameters meet a fast card issuance qualification; When the review system host determines that the scoring parameters do not meet the fast card issuance qualification, the service-side electronic device communicates with the portable electronic device via video through the review system host for verification and review by the review service personnel. The fast card issuance system as described in claim 3 is suitable for communicating with a verification server, wherein the card application data includes an ID card scan file; Before the vetting system host calculates the scoring parameters based on the card application data and determines whether the scoring parameters meet the fast card issuance qualification, the bank server extracts a replacement information from the ID card scan file through optical character recognition technology and transmits a verification request including the replacement information to the verification server; After the bank server receives a verification pass notification in response to the verification request from the verification server, the vetting system host calculates the scoring parameters based on the card application data and determines whether the scoring parameters meet the fast card issuance qualification. A rapid card issuance system as described in claim 1, wherein the card application information includes a card surface layout image, and the card making machine also generates the card based on the card surface layout image. A fast card issuance method is implemented by a fast card issuance system. The fast card issuance system includes a bank server, a review system host, a card bank host, a card making system host, a card making machine, a portable electronic device, and a service-end electronic device. The portable electronic device is suitable for a promotion service staff and a customer to operate. The service-end electronic device is suitable for an audit service staff to operate. The method includes: The portable electronic device transmits a card application data related to the customer to the bank server; The service-end electronic device communicates with the portable electronic device via the review system host via video for the audit service staff to perform identity verification and audit; When the levy review system host receives an approval instruction corresponding to the card application data from the service end electronic device, the card bank host generates a card production information; The portable electronic device transmits the card production information to the card production machine through the card production system host; and The card production machine generates a card according to the card production information. The fast card issuance method as described in claim 6, before the portable electronic device transmits the card production information to the card production machine through the card production system host, further includes: The card bank host generates a one-time verification code and sends the one-time verification code according to a communication data corresponding to the customer; When the portable electronic device receives a one-time verification code to be verified input by the customer, the card bank host determines whether the one-time verification code to be verified matches the one-time verification code; and When the card bank host determines that the one-time verification code to be verified matches the one-time verification code, the portable electronic device transmits the card production information to the card production machine through the card production system host. The rapid card issuance method as described in claim 6, wherein, before the service-side electronic device communicates with the portable electronic device via the review system host for verification and review by the review service personnel, it also includes: The review system host calculates multiple scoring parameters based on the card application data and determines whether the scoring parameters meet a rapid card issuance qualification; and When the review system host determines that the scoring parameters do not meet the rapid card issuance qualification, the service-side electronic device communicates with the portable electronic device via the review system host for verification and review by the review service personnel. The rapid card issuance method as described in claim 8, wherein the rapid card issuance system is adapted to communicate with a verification server, the card application data includes an ID card scan file, and before the vetting system host calculates the scoring parameters based on the card application data and determines whether the scoring parameters meet the rapid card issuance qualification, it also includes: The bank server extracts a replacement information from the ID card scan file by optical character recognition technology, and transmits a verification request including the replacement information to the verification server; and After the bank server receives a verification pass notification in response to the verification request from the verification server, the vetting system host calculates the scoring parameters based on the card application data and determines whether the scoring parameters meet the rapid card issuance qualification. A fast card issuance method as described in claim 6, wherein the card application information includes a card surface layout image, and the card making machine also generates the card based on the card surface layout image.