TWI662498B - Agency method and system for financial affairs - Google Patents

Abstract

A method of proxying financial transactions includes a user transmitting a request including a proxy corresponding to a client to a server. The server generates a one-time verification code after receiving the proxy request, and sends the first verification code. Send to the user, and store a target account information corresponding to the customer and the first verification code correspondingly; the user encodes the received verification code to generate a two-dimensional bar code, and stores the two-dimensional bar code The bar code is sent to the mobile device for display; the host reads the two-dimensional bar code and decodes it to send a verification data containing the verification code to the server; the server receives the verification data and judges the When the verification data is valid, the target account information is transmitted to the host for it to perform a financial transaction.

Description

Agency method and system for financial affairs

The invention relates to an agent method and system, in particular to an agent method and system for financial affairs.

An agent of a customer of a bank must present the deposit book or authorized written document issued to the customer by the bank when the bank branch of the bank handles the customer's financial-related affairs. After the magnetic stripe of the deposit book or the verification of the agreed transactions, the host can verify the identity of the customer and obtain the transaction records of the account corresponding to the customer, so that subsequent financial transactions can be performed.

However, in operation practice, it often happens that the client's agent forgets to carry the deposit book or is inconvenient to obtain authorized written documents, which makes the agent hindered in verifying his identity and performing the financial affairs he wants to represent.

Therefore, there is still much room for improvement in the existing methods of agency for financial affairs.

Therefore, an object of the present invention is to provide a method for agency of financial affairs.

Therefore, a method of agency of financial affairs of the present invention is applicable to a financial institution and is executed by a system including a user terminal operated by a client of the financial institution, a client held by the client's agent, and capable of interacting with the client. A mobile device communicating with the client, a server capable of communicating with the client and storing multiple account information, and a host located in the financial institution and used to perform a financial transaction and communicate with the server, and The host end includes a reading device; the proxy method includes:

The user terminal operates to transmit an agent request containing identity information corresponding to the client to the server. After receiving the agent request, the server generates a one-time first verification code in response to the agent request. And send the first verification code to the client, and based on the identification information, use one of the account information corresponding to the identification information as a target account information, and use the target account information and the The first verification code is stored correspondingly;

After receiving the first verification code, the user end encodes the first verification code to generate a two-dimensional bar code, and transmits the two-dimensional bar code to the mobile device, so that the mobile device receives the two-dimensional bar code. Display the two-dimensional barcode after the barcode;

The host end reads the two-dimensional bar code displayed on the mobile device by the reading device and decodes it to obtain the first verification code, and transmits verification data including the first verification code to the server end;

When the server receives the verification data and determines that the verification data is valid, the server sends the target account information to the host for the host to perform the financial transaction according to the target account information.

In some implementations of the method, when the server determines that the verification data meets a first condition, it determines that the verification data is valid, and the first condition includes the first verification code stored by the server itself. It is the same as the one-time verification code included in the verification data.

In some embodiments of the method, the server also records the time when the first verification code is generated, and the first condition further includes the time when the server receives the verification data and the server generates the first verification An interval between the times of the codes is not greater than a predetermined value.

In some implementations of the method, the method further includes: after receiving the target account information, the host generates a confirmation request for the financial transaction related to the target account information, and transmits the confirmation request to the server end;

After receiving the confirmation request, the server generates a one-time second verification code according to the confirmation request, and transmits a confirmation data containing the second verification code and related to the confirmation request to the using end;

Upon receiving the confirmation data, the user end generates a response data including the second verification code and related to whether to agree to the financial transaction through operation, and transmits the response data to the server end; and

When the server receives the reply data and judges that the reply data is valid, it sends the confirmation message indicating whether the financial transaction is allowed to the host terminal, so that the host terminal receives the confirmation message after receiving the confirmation message. , Decide whether to execute the financial transaction according to the confirmation message.

In some implementations of the method, when the server determines that the response data meets a second condition, it determines that the response data is valid, and the second condition includes the second verification code stored by the server itself. It is the same as the second verification code included in the reply data.

In some implementations of the method, the server also stores a record data, the record data includes a plurality of visit record information, each visit record information corresponds to one of the account information, and each record information indicates The corresponding account of the account information used to handle all financial transactions in other branches belonging to the financial institution and located in different regions in the past. Among them, the server receives the verification data and judges the verification data. When it is valid, not only the target account information is transmitted to the host side, but also the visit record information corresponding to the target account information is transmitted to the host side.

Therefore, another object of the present invention is to provide an agent system for financial affairs, which is suitable for a financial institution. The agent system includes a client, a mobile device, a server, and a host. The consumer is held by a customer of the financial institution. The mobile device is held by the client's agent and can communicate with the client. The server can communicate with the client and store multiple account information. The host end is located in the financial institution, can communicate with the server end, includes a reading device, and is used to perform a financial transaction. The user terminal operates to transmit an agent request containing identity information corresponding to the client to the server. After receiving the agent request, the server generates a one-time first verification code in response to the agent request. And send the first verification code to the client, and based on the identification information, use one of the account information corresponding to the customer's account information as a target account information, and use the target account information and the first Verification codes are stored accordingly. After receiving the first verification code, the user end encodes the first verification code to generate a two-dimensional barcode, and transmits the two-dimensional barcode to the mobile device, so that the mobile device receives the two-dimensional barcode. The two-dimensional bar code is displayed. The host end reads the two-dimensional bar code displayed by the mobile device through the reading device and decodes it to obtain a verification data related to the first verification code, and transmits the verification data to the server. When the server receives the verification data and determines that the verification data is valid, the server sends the target account information to the host for the host to perform the financial transaction according to the target account information.

In some implementations of the system, when the server determines that the verification data meets a first condition, it determines that the verification data is valid, and the first condition includes the first verification code stored by the server itself. It is the same as the first verification code included in the verification data.

In some embodiments of the system, the server also records the time when the first verification code is generated, and the first condition further includes the time when the server receives the verification data and the server generates the first verification The interval between the times of the codes is not greater than a predetermined value.

In some implementations of the system, after receiving the target account information, the host generates a confirmation request for the financial transaction related to the target account information, and transmits the confirmation request to the server. After receiving the confirmation request, the server generates a one-time second verification code according to the confirmation request, and transmits a confirmation data including the second verification code and related to the confirmation request to the user. Upon receiving the confirmation data, the user end generates a response data including the second verification code and related to whether to agree to the financial transaction through operation, and transmits the response data to the server end. When the server receives the reply data, when the server determines that the reply data meets a second condition, it transmits the confirmation message indicating whether the financial transaction is allowed to the host, so that the host After receiving the confirmation message, the host terminal decides whether to execute the financial transaction according to the confirmation message.

In some implementations of the system, when the server determines that the response data meets a second condition, it determines that the response data is valid, and the second condition includes the second verification code stored by the server itself. It is the same as the second verification code included in the reply data.

In some implementations of the system, the server also stores a record data, the record data includes multiple visit record information, each visit record information corresponds to one of the account information, and each record information indicates The corresponding account of the account information used to handle all financial transactions in other branches belonging to the financial institution and located in different regions in the past. The server receives the verification data and judges that the verification data is valid. At this time, not only the target account information is transmitted to the host side, but also the visit record information corresponding to the target account information is transmitted to the host side.

The effect of the present invention is that the host terminal operated by the teller of the financial institution only receives the target account corresponding to the client in order to execute the follow-up on the premise that the identity of the agent has been recognized by the client. In this way, the agent holding the mobile device does not need to show the customer's deposit book, which is relatively convenient compared to the prior art.

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

Referring to FIG. 1, a financial transaction agency system 100 of the present invention is applicable to a financial institution (not shown). An embodiment of the proxy system 100 includes a user terminal 1, a mobile device 2, a server terminal 4, and a host terminal 3. The financial institution is, for example, a branch of a bank, and the financial affairs are, for example, but not limited to, deposits, withdrawals, transfers, remittances, foreign exchange business or application or inquiry of financial related information.

In this embodiment, the client 1 is operated by a specific client of the financial institution, and the mobile device 2 is held by the client's agent and can interact with the client 1 via a wireless communication network 5 communication. In this embodiment, the user terminal 1 and the mobile device 2 are each a smart phone, and are not limited thereto. In other implementation aspects, the user terminal 1 and the mobile device 2 may also be implemented. It is a tablet computer or a notebook computer that can be carried around. In addition, the user terminal 1 can also be implemented as a personal computer that cannot be carried around.

In this embodiment, the user terminal 1 can execute an application program such as an APP, and the application program is developed by the financial institution. The user terminal 1 can transmit an identity corresponding to the customer by executing the application program. The agent for identification information requests the internal server of the server 4.

In this embodiment, the host terminal 3 is located in the financial institution and is used to perform the financial transaction, and includes a reading device 31. In this embodiment, the host terminal 3 is a counter system of the financial institution (ie, the branch) and is operated by a teller, and the reading device 31 is, for example, a two-dimensional bar code reader. The host terminal 3 can communicate with the server terminal 4 through a communication network 6. In this embodiment, the communication network 6 is, for example, an intranet of the financial institution, but is not limited thereto.

In this embodiment, the server 4 can communicate with the user 1 through the wireless communication network 5 and stores a plurality of account information. In this embodiment, the account information is a plurality of customers (including the specific customer) respectively corresponding to the financial institution. In this embodiment, the server 4 includes, for example, an internal server and a push server. The push server is, for example, a GCM push server (Google Cloud Message), an APNS push server. Broadcast server (Apple Push Notify Server) or an FCM push server (Firebase Cloud Messaging), but not limited to this. In this embodiment, the data generated by the internal server is transmitted to the user end 1 in a push manner by the push server.

The following describes the steps when the agent system 100 executes an embodiment of the agent method for financial transactions according to the present invention.

Step S1: The user terminal 1 transmits the proxy request (including the identification information corresponding to the customer) to the server terminal 4 through the operation of the customer (that is, the specific customer, hereinafter referred to as the customer).

Step S2: After receiving the proxy request, the internal server of the server 4 generates a one-time first verification code in response to the proxy request and records the time of generating the first verification code.

Step S3: The internal server of the server 4 uses the account information corresponding to the customer's account information as a target account information according to the identity information included in the proxy request, and uses the target account information And the first verification code is stored correspondingly.

Step S4: The internal server of the server 4 transmits the first verification code to the user 1 in a push mode through the push server.

It should be noted that the sequence of steps S3 and S4 is not limited to this embodiment.

Step S5: After receiving the first verification code, the user terminal 1 executes the application program to encode the first verification code to generate a two-dimensional barcode, such as a Quick Response (QR) code, and copies the second verification code. The two-dimensional barcode is transmitted to the mobile device 2.

Step S6: The mobile device 2 displays the two-dimensional barcode after receiving the two-dimensional barcode.

Step S7: The host terminal 3 reads the two-dimensional bar code displayed on the mobile device 2 through the reading device 31 and decodes it to obtain a verification data related to the first verification code, and transmits the verification data Go to the servo end 4. For example, in the financial institution, the agent holds the mobile device 2 displaying the two-dimensional bar code for the teller to operate the reading device 31 to scan the two-dimensional bar code. The results of Miao produce this verification data.

Step S8: When the internal server of the server 4 receives the verification data and determines that the verification data is valid, the target account information is transmitted to the host end 3 for the host end 3 to use according to the target account. Information to perform that financial transaction. It is worth noting that after the server 4 determines that the verification data is valid, the first verification code becomes invalid.

In step S8 of this embodiment, when the server 4 determines that the verification data meets a first condition, the server 4 determines that the verification data is valid, and the first condition includes not only the stored data of the server 4 itself. The first verification code is the same as the first verification code included in the verification data, and also includes an interval between the time when the server 4 receives the verification data and the time when the server 4 generates the first verification code. Greater than a predetermined value. In this way, it can be ensured that the customer actively operates the user terminal 1 and executes the application to generate the two-dimensional barcode, and the two-dimensional barcode received and displayed by the mobile device 2 does indeed come from the user terminal 1 and received The time is within the predetermined value of the interval time. In this embodiment, the predetermined value is, for example, 5 minutes, but is not limited thereto.

Therefore, from the above steps S1 to S8, it can be known that by executing this embodiment, the host terminal 3 operated by the teller of the financial institution needs to confirm that the identity of the agent has been recognized by the customer. The target account corresponding to the customer is received in order to perform subsequent financial transactions.

In other variations, the internal server of the server 4 also stores a log data, the log data includes multiple visit log information, each visit log information corresponds to one of the account information, and Each record information indicates that the account corresponding to the account information has handled all records of financial transactions in multiple branches belonging to the financial institution and located in different regions in the past, and in step S8, the server 4 The internal server not only transmits the target account information to the host terminal 3, but also transmits the visit record information corresponding to the target account information to the host terminal 3 for the host terminal 3 to apply. For example, the teller can decide whether to perform further confirmation based on the corresponding visit record information displayed on the host terminal 3. Generally, if the corresponding visit record information shows that the account corresponding to the target account information has frequently To handle financial affairs at multiple branches located in different counties and cities, the teller needs to further confirm or report to strengthen the alert to the agent or the client, so as to confirm whether the financial affairs are illegal.

The following describes how the agent system 100 ensures that the financial transaction is recognized by the client after the agent system 100 confirms the identity of the agent through the host terminal 3.

Step S9: After receiving the target account information, the host 3 generates a confirmation request of the financial transaction related to the target account information, and transmits the confirmation request to the internal server of the server 4.

Step S10: After receiving the confirmation request, the internal server of the server 4 generates a one-time second verification code according to the confirmation request, and sends a second verification code that includes the second verification code and is related to the confirmation request. Confirmation data is transmitted to the client 1 through the push server.

Step S11: When the user terminal 1 receives the confirmation data, the user terminal executes the application program to generate a response data including the second verification code and related to whether to agree to the financial transaction, and transmits the response data. To the internal server of the server 4. For example, when the user terminal 1 receives the confirmation data, its touch display panel (not shown) displays the content of the financial transaction, and the customer presses consent on the touch display panel of the user terminal 1 Or not.

Step S12: When the internal server of the server 4 receives the reply data and determines that the reply data meets a second condition, a confirmation message indicating whether the financial transaction is permitted is transmitted to the host 3 . It is worth noting that after the server 4 determines that the reply data is valid, the second verification code is invalid.

Step S13: After receiving the confirmation message, the host terminal 3 determines whether to execute the financial transaction according to the confirmation message.

In this embodiment, when the server 4 determines that the response data meets a second condition, it determines that the response data is valid. The second condition includes the second verification code and the second verification code stored by the server 4 itself. The second verification code contained in the reply data is the same. In this way, it can be ensured that the client is actively operating the consumer 1 and decides whether it allows the financial transaction.

To sum up, in this embodiment, the host terminal 3 operated by the teller of the financial institution only receives the client's identity after confirming that the agent's identity has been recognized by the client. The target account is used to carry out subsequent financial affairs. In this way, the agent holding the mobile device 2 does not need to show the client's deposit book or power of attorney, which is relatively convenient compared to the prior art. In addition, the teller can also confirm whether the customer is allowed to handle the financial affairs on behalf of the agent through the host terminal 3, which can improve security and increase the service capacity of the teller. Therefore, it can indeed achieve the purpose of the invention.

However, the above are only examples of the present invention. When the scope of implementation of the present invention cannot be limited in this way, any simple equivalent changes and modifications made in accordance with the scope of the patent application and the content of the patent specification of the present invention are still Within the scope of the invention patent.

1 ····· 2 ··· Mobile device 3 ···· 31 Host device ··· Reading device 4 ··· Server 5 ·· Wireless communication network 6 · ···· Communication network steps S1 ~ S13         

Other features and effects of the present invention will be clearly presented in the embodiment with reference to the drawings, in which: FIG. 1 is a block diagram illustrating an embodiment of the financial transaction agency system of the present invention; and FIG. 2 is a flow chart FIG. Illustrates an embodiment of a method of agency of a financial transaction according to the present invention.

Claims (12)

A method of agency for financial affairs is applicable to a financial institution and is executed by a system. The system includes a client operated by a client of the financial institution, and a client held by an agent of the client and capable of communicating with the client. A mobile device, a server capable of communicating with the user and storing multiple account information, and a host located at a branch of the financial institution and used to perform a financial transaction and communicate with the server, and the The host end includes a reading device, and the proxy method includes: the user end operates to transmit a proxy request including the corresponding client to the server end, and the server end responds to the proxy request after receiving the proxy request , Generating a one-time first verification code, and transmitting the first verification code to the user terminal, and using the account information of one of the account information corresponding to the identity information as a target account according to the identity information Information, and store the target account information and the first verification code correspondingly; after receiving the first verification code, the user end stores the first verification code Code to generate a two-dimensional bar code, and transmit the two-dimensional bar code to the mobile device, so that the mobile device displays the two-dimensional bar code after receiving the two-dimensional bar code; the host end reads by the reading device The two-dimensional bar code displayed by the mobile device is decoded to obtain the first verification code, and a verification data including the first verification code is transmitted to the server; the server receives the verification data and judges When the verification data is valid, the target account information is transmitted to the host side for the host side to perform the financial transaction according to the target account information. The method for agency of financial affairs according to claim 1, wherein when the server determines that the verification data meets a first condition, it determines that the verification data is valid, and the first condition includes the data stored by the server itself. The first verification code is the same as the one-time verification code included in the verification data. The method for delegating financial affairs according to claim 2, wherein the server also records the time when the first verification code is generated, and the first condition further includes the time when the server receives the verification data and the server An interval between the times when the first verification code is generated is not greater than a predetermined value. The method for proxying a financial transaction according to any one of claims 1 to 3, wherein after receiving the target account information, the host generates a confirmation request for the financial transaction related to the target account information, and The confirmation request is transmitted to the server; after receiving the confirmation request, the server generates a one-time second verification code according to the confirmation request, and will include the second verification code and one related to the confirmation request. The confirmation data is transmitted to the user; when the user receives the confirmation data, the operation generates a response data including the second verification code and related to whether to agree to the financial transaction, and transmits the response data to the server. And when the server receives the reply data and judges that the reply data is valid, it sends a confirmation message indicating whether the financial transaction is allowed to the host side, so that the host side receives the confirmation After the message, decide whether to execute the financial transaction according to the confirmation message. The method of agency for financial affairs according to claim 4, wherein when the server determines that the response data meets a second condition, it determines that the response data is valid, and the second condition includes the server end itself The second verification code is the same as the second verification code included in the reply data. According to the method for agency of financial affairs according to any one of the claims 1 to 3, the server also stores a record data, the record data includes a plurality of visit record information, each visit record information corresponds to one of the account information And each record information indicates that the account corresponding to the account information has handled all records of financial transactions in other branches belonging to the financial institution and located in different regions in the past. Among them, the server received When the verification data is judged to be valid, not only the target account information is transmitted to the host side, but also the visit record information corresponding to the target account information is transmitted to the host side. An agent system for financial affairs, suitable for a financial institution, including: a user, held by a customer of the financial institution; a mobile device, held by an agent of the customer, and capable of communicating with the user; A server end can communicate with the user end and store multiple account information; a host end, which is located in a branch of the financial institution, can communicate with the server end, includes a reading device, and is used to execute a Financial affairs; and wherein, the user terminal operates to send an agent request containing identity information corresponding to the client to the server terminal, and after receiving the agent request, the server terminal responds to the agent request and generates one time Based on the first verification code, and send the first verification code to the client, and based on the identity information, use one of the account information corresponding to the customer ’s account information as a target account information, and the target The account information and the first verification code are stored correspondingly; wherein, after receiving the first verification code, the user end encodes the first verification code to generate a two-dimensional code. Code, and transmitting the two-dimensional bar code to the mobile device, so that the mobile device displays the two-dimensional bar code after receiving the two-dimensional bar code; wherein the host end reads the mobile device by the reading device. The displayed two-dimensional barcode is decoded to obtain a verification data related to the first verification code, and the verification data is transmitted to the server; wherein the server receives the verification data and judges the verification When the data is valid, the target account information is transmitted to the host side for the host side to perform the financial transaction according to the target account information. The agent system for financial affairs according to claim 7, wherein when the server determines that the verification data meets a first condition, it determines that the verification data is valid, and the first condition includes the data stored by the server itself. The first verification code is the same as the first verification code included in the verification data. The agent system for financial affairs according to claim 8, wherein the server also records the time when the first verification code is generated, and the first condition further includes the time when the server receives the verification data and the server The interval between the times when the first verification code is generated is not greater than a predetermined value. The agent system for financial affairs according to any one of claims 7 to 9, wherein after receiving the target account information, the host generates a confirmation request for the financial affairs related to the target account information, and The confirmation request is transmitted to the server; after receiving the confirmation request, the server generates a one-time second verification code according to the confirmation request, and sends a second verification code that includes the second verification code and is related to the confirmation request. The confirmation data is transmitted to the user; and when the user terminal receives the confirmation data, the operation terminal generates a response data including the second verification code and related to whether to agree to the financial transaction, and transmits the response data to the The server; when the server receives the reply data, the server sends a confirmation message indicating whether the financial transaction is allowed to the host when it determines that the reply data meets a second condition; After the host end receives the confirmation message, it determines whether to execute the financial transaction according to the confirmation message. The agent system for financial affairs according to claim 10, wherein when the server determines that the response data meets a second condition, it determines that the response data is valid, and the second condition includes the server end itself The second verification code is the same as the second verification code included in the reply data. The agent system for financial affairs according to any one of claims 7 to 9, wherein: the server also stores a record data, the record data includes a plurality of visit record information, and each visit record information corresponds to such account information One of them, and each record information indicates that the corresponding account corresponding to the account information has previously performed all records of financial transactions in other branches belonging to the financial institution and located in different regions; and the server is receiving When the verification data is determined and the verification data is valid, not only the target account information is transmitted to the host side, but also the visit record information corresponding to the target account information is transmitted to the host side.