TWI707282B - Online bank system and executing method for supplying financial service with verification function via network - Google Patents

Abstract

This disclosure provides an executing method for supplying financial service, which comprises the following steps. A first interface triggers a second interface to send a verification signal at least including device information to a first server through a network, and the first server determines whether a first database comprises customer data corresponding to the verification signal. When the first database comprises customer data, the first server sends a confirmation signal to the second interface, and the second interface triggers the first interface to send an execution signal to a second server. After the second server receives the execution signal, the first server determines whether the confirmation signal is sent during a preset period. When the first server sends the confirmation signal during the preset period, the second server executes a financial transaction corresponding to the execution signal. On the contrary, the first server sends a warning signal to the second server.

Description

Mobile banking system and execution method for providing financial services with verification function through the Internet

The present invention relates to a system and execution method for providing financial services, in particular to a mobile banking system and execution method based on mobile devices that provide financial services with verification functions through the network.

Today, due to the popularization of mobile devices, mobile devices have the advantages of convenient portability and easy operation; therefore, many financial institutions use mobile applications (APP) to provide financial services, allowing users to connect with mobile devices Financial transactions such as currency exchange or transfer can be completed online. Generally speaking, the above method of providing financial services can be called "mobile banking".

From the above content, it can be known that the financial services provided by "mobile banking" must be performed through the Internet, so the relevant security verification mechanism is more important. However, current mobile banks design the security verification mechanism and financial services on the same mobile application, and perform data transmission with the same terminal host. Therefore, when the above-mentioned only data transmission path is intercepted, the user's personal information and transaction passwords are likely to be leaked, which may cause serious information security problems.

Therefore, there is still a need for a mobile banking system and execution method that provides financial services through the Internet to improve the above problems.

The present invention is to provide a mobile banking system and execution method for providing financial services with verification functions through a network. Different data transmission paths are designed for financial services and security verifications to improve the problems mentioned in the prior art.

The present invention provides an execution method for providing financial services with verification functions through a network, which includes: using a first interface of a mobile device to trigger a second interface of the mobile device to transmit a data containing at least one device information through a network Verify the signal to a first terminal host; use the first terminal host to determine whether a first database contains a client data corresponding to the verification signal; when the first terminal host determines that the first database contains the client data, Use the first terminal host to send a confirmation signal to the second interface; use the second interface that receives the confirmation signal to trigger the first interface to send an execution signal to a second terminal host; connect to the second terminal host After obtaining the execution signal, the first terminal host determines whether to send the confirmation signal within a preset time period; when the first terminal host sends the confirmation signal within the preset time period, the second terminal host executes the pairing The financial transaction of the signal should be executed; and when the first terminal host does not send the confirmation signal within the preset time period, the first terminal host transmits a warning signal to the second terminal host, wherein the warning signal includes the verification Signal; and after the second terminal host receives the warning signal, the second terminal host generates a reconfirmation signal, and sends the reconfirmation signal according to the device information in the verification signal; wherein the verification signal further includes a person Information, and using the first terminal host to determine whether the first database contains customer data corresponding to the verification signal includes: using the first terminal host to determine whether the customer data meets the personal information; when the customer data meets the For personal information, the first terminal host sends the confirmation signal to the second interface; and when the customer data does not match the personal information, the first terminal host sends a rejection message to the second interface.

The present invention provides a mobile banking system that provides financial services with verification functions via a network, including: a mobile device, including a first interface and a second interface, wherein the first interface generates an execution signal after being triggered; The second interface is electrically connected to the first interface. When the second interface is triggered by the first interface, the second interface generates a verification signal including at least one device information, and receives a confirmation signal and triggers the first interface. An interface generates the execution signal; a first terminal host communicates with the second interface to receive the verification signal, and the first terminal host includes a first database storing a plurality of customer data; when the first The terminal host determines that the first database stores the customer data corresponding to the verification signal, and transmits the confirmation signal to the second interface by the first terminal host; when the first terminal host determines that the first database does not contain the Customer data, the first terminal host sends a rejection message to the second interface; and a second terminal host connects with the first terminal host to receive an alert signal, and communicates with the first interface to receive the execution Signal; wherein after the second terminal host receives the execution signal, the first terminal host determines whether to send the confirmation signal within the preset time period; when the first terminal host sends the confirmation signal within the preset time period, The second terminal host executes the financial transaction corresponding to the execution signal; when the first terminal host does not send the confirmation signal within the preset time period, the first terminal host transmits the warning signal to the second terminal host, wherein The warning signal includes the verification signal, the second terminal host generates a re-confirmation signal after receiving the warning signal, and sends the re-confirmation signal according to the device information in the verification signal; wherein the verification signal further includes personal information , For the first terminal host to determine whether the customer information matches the personal information; when the customer information matches the personal information, the first terminal host sends the confirmation signal to the second interface; when the customer information does not match the personal information Information, the first terminal host sends the rejection message to the second interface.

The present invention provides a mobile banking system that provides financial services with verification functions via a network. It includes: a mobile device, including a first interface, a second interface, and a voice transceiver, wherein the first interface is triggered after being triggered Generate an execution signal; the second interface is electrically connected to the first interface, when the second interface is triggered by the first interface, the second interface generates a verification signal containing at least one device information, and receives a confirmation Signal and trigger the first interface to generate the execution signal; the sound transceiver is electrically connected to the first interface, and after receiving a voice message, the first interface is triggered so that the second interface generates at least the device information Of the verification signal; a first terminal host communicating with the second interface to receive the verification signal, and the first terminal host includes a first database storing multiple customer data; when the first terminal host Determine that the first database stores the customer data corresponding to the verification signal, and use the first terminal host to send the confirmation signal to the second interface; when the first terminal host determines that the first database does not contain the customer data , The first terminal host sends a rejection message to the second interface; and a second terminal host connects with the first terminal host to receive an alert signal, and communicates with the first interface to receive the execution signal; Wherein after the second terminal host receives the execution signal, the first terminal host determines whether to send the confirmation signal within a preset time period; when the first terminal host sends the confirmation signal within the preset time period, the first terminal host The second terminal host executes the financial transaction corresponding to the execution signal; when the first terminal host does not send the confirmation signal within the preset time period, the first terminal host transmits the warning signal to the second terminal host; wherein the warning The signal includes the verification signal. The second terminal host generates a reconfirmation signal after receiving the warning signal, and sends the reconfirmation signal according to the device information in the verification signal.

The present invention provides a mobile banking system that provides financial services with verification functions via a network, including: a mobile device, including a first interface, a second interface, and a memory, wherein the first interface is generated after being triggered An execution signal; the second interface is electrically connected to the first interface, and when the second interface is triggered by the first interface, the second interface generates a verification signal containing at least one device information, and receives a confirmation signal And trigger the first interface to generate the execution signal; the memory is electrically connected to the second interface, the memory system stores the device information, and after the second interface is triggered by the first interface, provides the device information to The second interface; a first terminal host communicatively connected with the second interface to receive the verification signal, and the first terminal host includes a first database storing multiple customer data; when the first terminal host Determine that the first database stores the customer data corresponding to the verification signal, and use the first terminal host to send the confirmation signal to the second interface; when the first terminal host determines that the first database does not contain the customer data , The first terminal host sends a rejection message to the second interface; and a second terminal host connects with the first terminal host to receive an alert signal, and communicates with the first interface to receive the execution signal; Wherein after the second terminal host receives the execution signal, the first terminal host determines whether to send the confirmation signal within a preset time period; when the first terminal host sends the confirmation signal within the preset time period, the first terminal host The second terminal host executes the financial transaction corresponding to the execution signal; when the first terminal host does not send the confirmation signal within the preset time period, the first terminal host transmits the warning signal to the second terminal host; wherein the warning The signal includes the verification signal. The second terminal host generates a reconfirmation signal after receiving the warning signal, and sends the reconfirmation signal according to the device information in the verification signal.

The present invention is to provide a mobile banking system and execution method that provide financial services with verification functions through the network, design different data transmission paths for financial services and security verifications, complicate the security verification mechanism, and effectively reduce data loss Intercept the risk and improve the security of using mobile devices to execute financial transactions.

The above description of the content of the disclosure and the description of the following embodiments are used to demonstrate and explain the spirit and principle of the present invention, and to provide a further explanation of the patent application scope of the present invention.

The detailed features and advantages of the present invention are described in detail in the following embodiments, and the content is sufficient to enable anyone familiar with the relevant art to understand the technical content of the present invention and implement it accordingly, and according to the content disclosed in this specification, the scope of patent application and the drawings Anyone who is familiar with the relevant art can easily understand the related purpose and advantages of the present invention. The following examples further illustrate the viewpoints of the present invention in detail, but do not limit the scope of the present invention by any viewpoint.

Please refer to FIG. 1. FIG. 1 is a structural diagram of a mobile banking system that provides financial services with verification functions via a network according to an embodiment of the present invention. The above-mentioned system is composed of a mobile device 1 and a terminal device 2, and the two are connected through network communication, wherein the network can be realized by the Internet. The mobile device 1 includes a first interface 11, a second interface 12, and a memory 13, and an audio transceiver 14 can be configured as required; wherein the second interface 12 is electrically connected between the first interface 11 and the memory 13, and When the mobile device 1 is configured with the audio transceiver 14, the first interface 11 is electrically connected between the second interface 12 and the audio transceiver 14. In detail, the first interface 11 is used to provide financial services, such as online account opening, transfer or exchange; the second interface 12 is used to provide the security verification mechanism required for the above financial services. For example, the second interface 12 can obtain the device information of the mobile device 1 to bind the mobile device 1 accordingly, and transmit the above-mentioned device information to the terminal device 2 for the terminal device 2 to store the device information. When the user is using the first interface 11, the second interface 12 can be triggered to send the device information to the terminal device 2, so that the terminal device 2 can confirm whether the device information matches the previously stored data. On the other hand, the memory 13 can be used to store the aforementioned device information for the second interface 12 to perform security verification. In addition, the sound transceiver 14 is used to provide the function of voice operation of the first interface 11. The user can speak the required financial service to the audio transceiver 14 to generate a voice message, and the voice message will be transmitted to the first interface 11. The first interface 11 can analyze the financial transaction to be performed by the voice message through the function of semantic analysis, and further trigger the second interface 12 to send a signal to the terminal device 2 to perform security verification. It should be noted that when the ambient sound is too noisy, the user can also manually input or select the desired financial service in other ways, and this embodiment is not limited to this. The above-mentioned mobile device 1 can be implemented by a mobile phone, a tablet computer, or other devices capable of installing a mobile application (mobile application, APP).

To illustrate the terminal device 2, please continue to refer to Figure 1. The terminal device 2 includes a first terminal host 21 and a second terminal host 22, wherein the first terminal host 21 further includes a first database 211. The first terminal host 21 and the second terminal host 22 can be connected via a local area network (LAN) communication, or they can be erected on the same rack and electrically connected to each other. The present invention does not affect the first terminal host 21 The configuration with the second terminal host 22 is restricted. In detail, the first database 211 of the first terminal host 21 stores the bound device information, and can communicate with the second interface 12 via the network to implement a security verification mechanism. On the other hand, the second terminal host 22 communicates with the first interface 11 through the network to execute the financial service selected by the user.

In order to specifically describe the operation process of the above system, please refer to Figure 2 and Figure 1 together. 2 is a flowchart of an implementation method for providing financial services with verification functions through a network according to an embodiment of the present invention. When the user performs financial services through the first interface 11 of the mobile device 1, please refer to step S10: the first interface 11 triggers the second interface 12 to transmit the verification signal ES containing at least device information to the first terminal host 21 via the network; The device information of is associated with mobile device 1. After the first terminal host 21 receives the verification signal ES, please refer to step S11: the first terminal host 21 determines whether the first database 211 contains customer data corresponding to the verification signal ES. When the first terminal host 21 determines that the first database 211 does not contain customer data, please proceed to step S12: the first terminal host 21 sends a rejection message RM to the second interface 12 to end this authentication process. Conversely, when the first terminal host 21 determines that the first database 211 contains customer data, proceed to step S13: the first terminal host 21 sends the confirmation signal CS to the second interface 12 so that the second interface 12 can be triggered accordingly The first interface 11 executes the following steps. After the second interface 12 receives the confirmation signal CS, proceed to step S14: the second interface 12 triggers the first interface 11 to send the execution signal PS to the second terminal host 22, so that the first interface 11 makes a request to the second terminal host 22 This financial service request; where the execution signal PS includes the confirmation signal CS, device information, and relevant data required to execute this financial service. Specifically, because the execution signal PS contains the user's financial data (for example: account number), when the execution signal PS sent by the first interface 11 has a higher risk of being intercepted by hackers and modifying the financial data (for example: modify transfer The transfer account of the transaction) is received by the second terminal host 22. Therefore, when the execution signal PS includes the complete confirmation signal CS, the second terminal host 22 can identify whether the execution signal PS is generated by the first terminal host 21, so as to increase the security of financial transactions.

Please continue to refer to Figure 2 and also refer to Figure 1. As mentioned above, after the second terminal host 22 receives the execution signal PS, in order to further confirm whether the execution signal PS is transmitted by the mobile device 1, please refer to step S15: the first terminal host 21 determines whether the execution signal PS is preset A confirmation signal CS is sent during the period. Specifically, when the second terminal host 22 receives the execution signal PS, the second terminal host 22 can obtain the time point of sending the confirmation signal CS from the first terminal host 21, and calculate the second terminal host 22 receiving the execution signal PS and the first A terminal host 21 sends a confirmation signal CS, the time difference between the two events. When the above time difference does not exceed the preset time period, it means that the financial transaction to be executed is triggered by the mobile device 1. On the contrary, when the above time difference exceeds the preset time period, it is necessary to further confirm whether the execution signal PS is from the mobile device 1 sent. Generally speaking, when the preset time period is set too short, the second terminal host 22 may misjudge that the first terminal host 21 did not send the confirmation signal CS within the preset time period due to the abnormal delay of network transmission; on the other hand, When the preset time period is set too long, not only will the computing time of the second terminal host 22 increase, the second terminal host 22 also has a higher probability of mistakenly taking the confirmation signal CS sent by the first terminal host 21 several times before The confirmation signal CS this time further reduces safety. Therefore, the preset time period can be set to be between five minutes and ten minutes, so that the second terminal host 22 can efficiently determine whether the above-mentioned time difference exceeds the preset time period. When the first terminal host 21 sends the confirmation signal CS within the preset time period, please proceed to step S16: the second terminal host 22 executes the financial transaction corresponding to the execution signal PS, wherein the financial transaction is selected by the user through the first interface 11. Financial services. Conversely, when the first terminal host 21 does not send the confirmation signal CS within the preset time period, please proceed to step S17: the first terminal host 21 transmits the warning signal WS to the second terminal host 22, wherein the warning signal WS includes the aforementioned Verify signal ES. In this case, it means that the execution signal PS sent by the first interface 11 is likely to be intercepted during data transmission, and the content of the signal transmission is also modified, so the first terminal host 21 needs to send the warning signal WS to the second terminal host 22 , To inform the user of the mobile device 1 through the second terminal host 22. In addition, optionally, after the second terminal host 22 receives the warning signal WS, step S18 can be further performed: the second terminal host 22 generates the reconfirmation signal RCS, and sends the reconfirmation signal RCS according to the device information in the verification signal ES . In detail, in this case, because the execution signal PS is likely to be intercepted during data transmission and its signal content is modified, the second terminal host 22 must first find out the mobile device 1 bound to the user according to the device information. , And send the reconfirmation signal RCS to the mobile device 1 of the user, in order to confirm that the mobile device that sent the execution signal PS is indeed the mobile device 1 verified by the first terminal host 21. It should be added that the mobile device 1 can receive the reconfirmation signal RCS on the first interface 11, and alert the user by means of text messages, sound or vibration.

In another embodiment of the present invention, in step S12 shown in FIG. 2, the rejection message RM may further include some financial service items, and some of the above-mentioned financial service items may be sent to the first interface 11 through the second interface 12 , So that the first interface 11 provides part of the above-mentioned financial service items to the second terminal host 22. When the second terminal host 22 determines that the financial service selected by the mobile device 1 is included in some of the above-mentioned financial service items, the second terminal host 22 executes the financial service. Specifically, in this step, since the first database 211 has not yet stored the customer information corresponding to the mobile device 1, the financial service items that the mobile device 1 can select can be restricted to those that require personal data such as account opening and credit card application. Service items, so that the first database 211 can obtain and store the user's customer information through this service.

To illustrate the detailed operation of step S11 in FIG. 2, please refer to FIG. 3 and also refer to FIG. 1. FIG. 3 is a detailed flowchart of an implementation method of a mobile banking system that provides financial services with verification functions via a network according to an embodiment of the present invention. Please refer to step S111: the first terminal host 21 judges whether the customer data conforms to personal information, where the personal information is included in the verification signal ES. Specifically, personal information is generated by the first interface 11 and is associated with the financial service selected by the user, such as the transfer-out account (ie, the user's financial account) required for transfer, and the ID card required for opening an account Number and so on. When the customer data does not match the personal information, please proceed to step S12: the first terminal host 21 sends a rejection message RM to the second interface 12. In this situation, because the first database 211 does not store the corresponding customer data, the rejection message RM is sent to the second interface 12 to end the current identity verification process. Conversely, when the customer information matches the personal information, please proceed to step S13: the first terminal host 21 sends the confirmation signal CS to the second interface 12. Since step S13 has been described in FIG. 2, the description will not be repeated here.

In summary, the present invention provides a mobile banking system and execution method that provides financial services with verification functions through the Internet, and designs different data transmission paths for financial services and security verification, thereby complicating the security verification mechanism , Effectively reduce the risk of data being intercepted, and improve the security of using mobile devices to execute financial transactions.

Although the present invention is disclosed in the foregoing embodiments, it is not intended to limit the present invention. All changes and modifications made without departing from the spirit and scope of the present invention fall within the scope of patent protection of the present invention. For the scope of protection defined by the present invention, please refer to the attached patent scope.

1 Mobile device 11 First interface 12 The second interface 13 Memory 14 Sound transceiver 2 Terminal device 21 First terminal host 211 First database 22 The second terminal host ES verification signal CS Confirmation signal PS Execution signal RCS Reconfirmation signal WS Warning signal RM reject message

FIG. 1 is a structural diagram of a mobile banking system that provides financial services with verification functions via a network according to an embodiment of the present invention. 2 is a flowchart of an implementation method for providing financial services with verification functions through a network according to an embodiment of the present invention. FIG. 3 is a detailed flowchart of an implementation method for providing a financial service with verification function through a network according to an embodiment of the present invention.

Claims (4)

An execution method for providing financial services with verification functions through a network includes: using a first interface of a mobile device to trigger a second interface of the mobile device to transmit a verification signal containing at least one device information to a A first terminal host; use the first terminal host to determine whether a first database contains a client data corresponding to the verification signal; when the first terminal host determines that the first database contains the client data, use the first The terminal host sends a confirmation signal to the second interface; the second interface that receives the confirmation signal triggers the first interface to send an execution signal to a second terminal host; the second terminal host receives the execution signal Then, the first terminal host determines whether to send the confirmation signal within a preset time period; when the first terminal host sends the confirmation signal within the preset time period, the second terminal host executes the corresponding execution signal Financial affairs; when the first terminal host does not send the confirmation signal within the preset time period, the first terminal host transmits a warning signal to the second terminal host, wherein the warning signal includes the verification signal; and After receiving the warning signal, the second terminal host generates a re-confirmation signal with the second terminal host, and sends the re-confirmation signal according to the device information in the verification signal; wherein the verification signal further includes a person's information and uses the The first terminal host determining whether the first database contains customer data corresponding to the verification signal includes: using the first terminal host to determine whether the customer data matches the personal information; when the customer information matches the personal information, use the The first terminal host sends the confirmation signal to the second interface; and when the customer data does not match the personal information, the first terminal host sends a rejection message to the second interface. A mobile banking system that provides financial services with verification functions via a network includes: a mobile device, including a first interface and a second interface, wherein the first interface generates an execution signal when triggered; the second interface The interface is electrically connected to the first interface. When the second interface is triggered by the first interface, the second interface generates a verification signal containing at least one device information, and receives a confirmation signal and triggers the first interface to generate The execution signal; a first terminal host, which is communicatively connected with the second interface to receive the verification signal, and the first terminal host includes a first database storing a plurality of client data; when the first terminal host determines The first database stores the client data corresponding to the verification signal, and the first terminal host transmits the confirmation signal to the second interface; when the first terminal host determines that the first database does not contain the client data, The first terminal host sends a rejection message to the second interface; and a second terminal host is connected to the first terminal host to receive a warning signal, and is in communication with the first interface to receive the execution signal; wherein After the second terminal host receives the execution signal, the first terminal host determines whether to send the confirmation signal within a preset time period; when the first terminal host sends the confirmation signal within the preset time period, the second terminal host The terminal host executes financial transactions corresponding to the execution signal; when the first terminal host does not send the confirmation signal within the preset time period, the first terminal host transmits the warning signal to the second terminal host; wherein the warning signal It contains the verification signal. The second terminal host generates a re-confirmation signal after receiving the warning signal, and sends the re-confirmation signal according to the device information in the verification signal; the verification signal further includes personal information for The first terminal host determines whether the customer information matches the personal information; when the customer information matches the personal information, the first terminal host sends the confirmation signal to the second interface; when the customer information does not match the personal information, the The first terminal host sends the rejection message to the second interface. A mobile banking system that provides financial services with verification functions via a network includes: a mobile device including a first interface, a second interface, and a voice transceiver, wherein the first interface generates an execution after being triggered Signal; the second interface is electrically connected to the first interface, when the second interface is triggered by the first interface, the second interface generates a verification signal containing at least one device information, and receives a confirmation signal and triggers The first interface generates the execution signal; the sound transceiver is electrically connected to the first interface, and after receiving a voice message, the first interface is triggered so that the second interface generates the verification at least including the device information Signal; a first terminal host, which is communicatively connected with the second interface to receive the verification signal, and the first terminal host includes a first database storing a plurality of client data; when the first terminal host determines the first A database stores the client data corresponding to the verification signal, and the first terminal host transmits the confirmation signal to the second interface; when the first terminal host determines that the first database does not contain the client data, the first terminal host A terminal host sends a rejection message to the second interface; and a second terminal host is connected to the first terminal host to receive a warning signal, and is in communication with the first interface to receive the execution signal; wherein After the second terminal host receives the execution signal, the first terminal host determines whether to send the confirmation signal within a preset time period; when the first terminal host sends the confirmation signal within the preset time period, the second terminal host Perform financial transactions corresponding to the execution signal; when the first terminal host does not send the confirmation signal within the preset time period, the first terminal host transmits the warning signal to the second terminal host; wherein the warning signal includes For the verification signal, the second terminal host generates a reconfirmation signal after receiving the warning signal, and sends the reconfirmation signal according to the device information in the verification signal. A mobile banking system that provides financial services with verification functions via a network includes: a mobile device, including a first interface, a second interface, and a memory, wherein the first interface generates an execution signal after being triggered ; The second interface is electrically connected to the first interface, when the second interface is triggered by the first interface, the second interface generates a verification signal containing at least one device information, and receives a confirmation signal and triggers the The first interface generates the execution signal; the memory is electrically connected to the second interface, the memory system stores the device information, and after the second interface is triggered by the first interface, the device information is provided to the second interface Interface; a first terminal host, communicatively connected with the second interface to receive the verification signal, and the first terminal host includes a first database storing a plurality of customer data; when the first terminal host determines the first A database stores the client data corresponding to the verification signal, and the first terminal host transmits the confirmation signal to the second interface; when the first terminal host determines that the first database does not contain the client data, the first terminal host A terminal host sends a rejection message to the second interface; and a second terminal host is connected to the first terminal host to receive a warning signal, and is in communication with the first interface to receive the execution signal; wherein After the second terminal host receives the execution signal, the first terminal host determines whether to send the confirmation signal within a preset time period; when the first terminal host sends the confirmation signal within the preset time period, the second terminal host Perform financial transactions corresponding to the execution signal; when the first terminal host does not send the confirmation signal within the preset time period, the first terminal host transmits the warning signal to the second terminal host; wherein the warning signal includes For the verification signal, the second terminal host generates a reconfirmation signal after receiving the warning signal, and sends the reconfirmation signal according to the device information in the verification signal.

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