TWI657398B - Virtual bankbook system - Google Patents

Abstract

The virtual folding system of the present invention is applied to a paper passbook, and the virtual folding system comprises at least one electronic device, a billing host, a biometric host and a cloud server. The electronic device includes a lens, a display unit and an identity authentication program. The identity authentication program includes an optical character recognition unit and a biometric reading unit. In addition, the biometric reading unit is configured to acquire a biometric feature of a user of the electronic device. The biometric host includes a biometric database, a biometric comparison unit, and a user ID comparison unit. The cloud server includes a storage unit and a reality unit, and the storage unit is connected to the reality unit.

Description

Virtual folding system

The invention is a virtual folding system, in particular to a virtual folding system with a biometric module and a virtual image production module.

Nowadays, when using the online banking transaction details query, usually the transaction details are arranged according to time, so it is impossible to query only the portion of the paper passbook that has not been folded. Due to the large number of transactions in the bank, the transaction volume of the bank's host needs to be handled at a high load.

In addition, the current transaction details of the unregistered papers in the paper passbook are made up of the folding machine provided by the bank, so it is limited by the position of the folding machine and usually takes a long time. In addition, when the number of unfilled pens exceeds the passbook capacity, the new passbook must be processed. Moreover, the entity's folding machine will limit up to 8 Chinese characters when printing the remarks. If the remarks are long, they will not be fully displayed in the paper passbook.

Therefore, how to improve the shortcomings of the above-mentioned paper deposit and online banking transaction details is worthy of consideration in the field of ordinary knowledge.

The object of the present invention is to provide a virtual folding system which can help the holder of the paper passbook to avoid waiting for the time of the folding machine to quickly obtain the passbook data. Moreover, the system can also reduce the traffic load of the online banking host.

The virtual folding system of the present invention is applied to a paper passbook, and the virtual folding system comprises at least one electronic device, a billing host, a biometric host and a cloud server. The electronic device includes a lens, a display unit and an identity authentication program. The identity authentication program includes an optical character recognition unit and a biometric reading unit. The optical character recognition unit reads the paper passbook through the lens to Obtain an account information, and the account information corresponds to a passbook account user ID. In addition, the biometric reading unit is configured to obtain a biometric feature of the user of the electronic device, and the biometric feature corresponds to a biometric user ID. In addition, the account host includes an account database and a passbook account comparison unit. The account database includes a plurality of different number of passbook account user IDs, and each passbook account user ID includes an exclusive unregistered account. data. In addition, the passbook account comparison unit is a linked account database, and the passbook account comparison unit finds the corresponding passbook account user ID according to the account information. The biometric host is a communication link between the electronic device and the account host. The biometric host includes a biometric database, a biometric comparison unit and a user ID comparison unit. The biometric database includes a plurality of different biometric feature user ID biometric comparison units that are linked to the biometric database, and the biometric comparison unit finds the corresponding biometric user according to the biometric feature. ID. The user ID comparison unit is coupled to the biometric database, and the user ID comparison unit is configured to compare the corresponding biometric user ID and the corresponding passbook account user ID. The cloud server is a linked account host, and the cloud server includes a storage unit and a reality unit, and the storage unit is connected to the reality unit. Wherein, when the corresponding biometric user ID is the same as the corresponding passbook account user ID, the account host transmits the corresponding unregistered data of the passbook account user ID to the storage unit, and the The reality unit produces an unfolded image according to the un-folded data in the storage unit.

In the virtual folding system described above, the cloud server transmits the unfolded image to the electronic device, and the display unit displays the unfolded image.

In the virtual folding system described above, the accounting host further includes an encryption unit, the encryption unit is linked to the account database, and the encryption unit encrypts the unfolded data.

In the virtual folding system described above, the cloud server includes a decryption unit that connects the storage unit, and the decryption unit decrypts the encrypted unfolded data.

In the virtual folding system described above, the identity authentication program further includes a manipulation unit; when the display unit displays the unfolded image, the manipulation unit is configured to slide the page or fluorescently annotate the unfolded image.

In the virtual folding system described above, the biological feature is a fingerprint, a face or a finger vein.

In the virtual folding system described above, the electronic device is a smart phone, a tablet or a notebook computer.

The above described features and advantages will be more apparent from the following description.

1, 2‧‧‧Virtual Folding System

10‧‧‧Electronic devices

101‧‧‧ lens

102‧‧‧Display unit

103, 203‧‧‧ identity authentication program

1031‧‧‧ Optical Character Identification Unit

1032‧‧‧Biometric reading unit

12‧‧‧Biometric host

121‧‧‧Biometric database

1210‧‧‧Biometric User ID

122‧‧‧Biometric comparison unit

123‧‧‧User ID comparison unit

13‧‧‧Accounting Host

131‧‧‧ Account Database

1310‧‧‧ Passbook Account User ID

1311‧‧‧Unregistered information

132‧‧‧ passbook account comparison unit

133‧‧‧Encryption unit

14‧‧‧Cloud Server

141‧‧‧ storage unit

142‧‧‧Decryption unit

143‧‧‧reality unit

1431‧‧‧Unfilled image

2033‧‧‧Control unit

FIG. 1 is a schematic diagram of the virtual folding system 1 of the present embodiment.

FIG. 2 is a schematic diagram of the lens 101 reading the paper passbook 8.

FIG. 3 is a schematic diagram of the account database 131.

FIG. 4 is a schematic diagram of the biometric database 121.

FIG. 5 is a schematic diagram showing the display unit 102 displaying the unfolded image 1431.

FIG. 6A is a schematic diagram showing the paper passbook 8 being flipped to the last transaction data.

FIG. 6B is a schematic diagram showing the unfolded image 1431 superimposed on the paper passbook 8.

FIG. 7 is a schematic diagram of a virtual folding system 2 of another embodiment.

Please refer to FIG. 1 and FIG. 2 . FIG. 1 is a schematic diagram of the virtual folding system 1 of the embodiment. FIG. 2 is a schematic diagram of the lens 101 reading the paper passbook 8. The virtual folding system 1 includes at least one electronic device 10. A billing host 13, a biometric host 12 and a cloud server 14, the biometric host 12 is a communication link electronic device 10 and a billing host 13, and the cloud server 14 is a link accounting host 13. The electronic device 10 is, for example, a smart phone, a tablet computer or a notebook computer. The electronic device 10 includes a lens 101, a display unit 102 and an identity authentication program 103. The identity authentication program 103 includes an optical character recognition unit 1031 and a biometric reading unit 1032. The optical character identification unit 1031 reads a paper passbook 8 via the lens 101 to obtain an account information, and the account information corresponds to A passbook account user ID (1310). In detail, the optical character recognition unit 1031 recognizes the cover of the paper passbook 8 by using Optical Character Recognition (Optical Character Recognition) to generate the account information, and the account information is the account number of the paper passbook 8, and The passbook account user ID (1310) is the ID number of the holder of the paper passbook 8. In addition, the biometric reading unit 1032 is a biometric feature for acquiring a user of the electronic device 10, and the biometric feature corresponds to a biometric user ID (1210). In detail, the biometric reading unit 1032 can obtain the biometric characteristics of the user by using an unlocking function commonly used by the smart phone (the electronic device 10) (for example, fingerprint unlocking, face unlocking), for example, the biometric feature is used. The fingerprint, face or finger vein of the person, and the biometric user ID (1210) is also the ID number of the holder of the paper passbook 8. Thereafter, the biometric and account information of the user are transmitted to the biometric host 12 by the electronic device 10.

In addition, the account host 13 includes an account database 131, a passbook account comparison unit 132, and an encryption unit 133. The account database 131 is a plurality of different numbered passbook account user IDs (1310), and each passbook The account user IDs (1310) each include a unique unregistered profile (please refer to FIG. 3, which is illustrated in FIG. 3 as a schematic diagram of the account database 131). In detail, the account host 13 is a computer host belonging to the bank. Usually, the bank will use the identity card number of the holder of the paper passbook 8 as the basis for classifying the bank account, so any holder's ID number will be Can check the bank account and all financial transaction data opened by the holder. Therefore, the transaction data of the holder's account that has not been posted is also recorded in the account database 131. In addition, the passbook account comparison unit 132 and the encryption unit 133 are both The linked account database 131, the passbook account comparison unit 132 finds the corresponding passbook account user ID (1310) according to the account information received by the biometric host 12, that is, the holder of the paper passbook 8 The ID number, and the encryption unit 133 will be explained in the following paragraphs.

In addition, the biometric host 12 includes a biometric database 121, a biometric comparison unit 122, and a user ID comparison unit 123. The biometric database 121 is a biometric user ID that includes a plurality of different numbers (1210). (Please refer to FIG. 4, FIG. 4 is a schematic diagram of the biometric database 121), and the biometric comparison unit 122 is connected to the biometric database 121, and the biometric comparison unit 122 is based on the biometrics of the user. The feature finds the corresponding biometric user ID (1210). In addition, the user ID comparison unit 123 is connected to the biometric database 121, and the user ID comparison unit 123 is configured to compare the corresponding biometric user ID (1210) and the corresponding passbook account user. ID (1310).

Referring to FIG. 1 again, the cloud server 14 includes a storage unit 141, a reality unit 143, and a decryption unit 142. The storage unit 141 is a connection reality unit 143, and the decryption unit 142 is a connection storage unit 141. Wherein, when the user ID comparison unit 123 compares the biometric user ID (1210) with the passbook account user ID (1310), the encryption unit 133 first targets the same passbook account user ID (1310). The unregistered data 1311 is encrypted. Thereafter, the accounting host 13 retransmits the encrypted undiscounted data 1311 to the storage unit 141 of the cloud server 14. Thereafter, the decryption unit 142 decrypts the encrypted undiscounted material 1311. Next, the reality unit 143 produces an unfolded image 1431 based on the decrypted unfolded data 1311. The unfolded image 1431 is a virtual image that mimics the paper passbook 8. Moreover, since the unfolded image 1431 is produced based on the unfolded data 1311, the unfolded image 1431 also displays the contents of the unfolded data 1311. Then, the cloud server 14 is configured to transmit the unfolded image to the electronic device 10, and the display unit 102 is configured to display the unfolded image 1431 (refer to FIG. 5, the display unit 102 displays the unfolded image. Schematic of 1431).

Please refer to FIG. 6A and FIG. 6B . FIG. 6A is a schematic diagram showing that the paper passbook 8 is flipped to the last transaction data, and FIG. 6B is a schematic diagram showing the unfolded image 1431 overlapping the paper passbook 8 . When not folded When the image 1431 is displayed on the display unit 102, the unfolded image 1431 can be superimposed on the paper passbook 8 to allow the holder of the paper passbook 8 to obtain the complete passbook data. Therefore, compared with the way of using the folding machine to make up the fold, the system can help the holder of the paper passbook 8 to obtain the undiscounted transaction data more quickly and directly. Moreover, since the unfolded image 1431 belongs to the virtual image, the content of the data on it does not have a limit on the number of words. In addition, since the unregistered material 1311 of the paper passbook 8 is mainly transmitted to the electronic device 10 via the cloud server 14, the system indirectly reduces the traffic load of the account host 13.

Please refer to FIG. 7. FIG. 7 is a schematic diagram of a virtual folding system 2 according to another embodiment. The difference between the virtual folding system 2 and the virtual folding system 1 is that the identity authentication program 203 of the virtual folding system 2 further includes a manipulation unit 2033. When the display unit 102 displays the unfolded image 1431, the manipulation unit 2033 is configured to slide the unfolded image 1431, and can also be marked on the unfolded image 1431 by using fluorescent annotation. In this way, the feeling of using the paper passbook 8 can be obtained when using the system.

In summary, the virtual folding system 1 of the present invention can help the holder of the paper passbook 8 to avoid waiting for the time of the folding machine to make up the fold, and quickly obtain the passbook data. In addition, the system can reduce the traffic load of the online banking host, and has the operation function of sliding page turning or fluorescent annotation.

Although the present invention has been disclosed in the above preferred embodiments, it is not intended to limit the invention, and any one of ordinary skill in the art can make some modifications and refinements without departing from the spirit and scope of the invention. Therefore, the scope of the invention is defined by the scope of the appended claims.

Claims (7)

A virtual folding system is applied to a paper passbook. The virtual folding system includes: at least one electronic device, comprising: a lens and a display unit; and an identity authentication program, comprising: an optical character recognition unit, the optical The character recognition unit reads the paper passbook through the lens to obtain an account information, and the account information corresponds to a passbook account user ID; a biometric reading unit, the biometric reading unit is configured to obtain the electronic a biometric feature of the user of the device, and the biometric feature corresponds to a biometric user ID; a billing host, the account host includes: an account database, including a plurality of different number of the passbook account user ID, Each passbook account user ID includes a unique unregistered data; a passbook account comparison unit links the account database, and the passbook account comparison unit finds the corresponding passbook account based on the account information. a biometric host, the communication link to the electronic device and the account host, the biometric host, including: a biometric The database includes a plurality of different biometric user IDs; a biometric comparison unit that links the biometric database, and the biometric comparison unit finds the corresponding biometric feature according to the biometric feature. a user ID comparison unit, the biometric database is linked, and the user ID comparison unit is configured to compare the corresponding biometric user ID and the corresponding passbook account user ID; a cloud server, connected to the account host, the cloud server includes: a storage unit and a reality unit, the storage unit is coupled to the reality unit; wherein, when the corresponding biometric user ID is the same as the phase Corresponding to the passbook account user ID, the account host transmits the unregistered data of the corresponding passbook account user ID to the storage unit, and the reality unit is based on the undiscounted in the storage unit The data produced was an unfolded image. The virtual folding system of claim 1, wherein the cloud server transmits the unfolded image to the electronic device, and the display unit displays the unfolded image. The virtual subscription system of claim 1, wherein the accounting host further comprises an encryption unit, the encryption unit is coupled to the account database, and the encryption unit encrypts the unsigned data. The virtual folding system according to claim 3, wherein the cloud server comprises a decryption unit, the decryption unit is coupled to the storage unit, and the decryption unit decrypts the encrypted unfolded data. The virtual folding system according to claim 2, wherein the identity authentication program further comprises a manipulation unit; when the display unit displays the unfolded image, the manipulation unit is used for sliding page turning or fluorescent annotation This unfolded image. The virtual folding system according to claim 1, wherein the biometric feature is a fingerprint, a face or a finger vein. The virtual folding system of any one of the first to sixth aspects of the patent application, wherein the electronic device is a smart phone, a tablet or a notebook computer.