TWI724877B - Two-dimensional bar code application system and method for financial industry - Google Patents

Abstract

The present invention relates to a two-dimensional bar code application system and method for the financial industry. The two-dimensional bar code application system includes an account reading unit and an audio-visual reading unit. The account reading unit and the audio-visual reading unit are combined with a two-dimensional The barcode generating unit is connected, and the two-dimensional barcode generating unit is connected with a manual comparison unit, whereby the user can input a financial account data in the account reading unit, and then input a user video in the audio/video reading unit Data, the 2D barcode generation unit will generate a 2D barcode, and the manual comparison unit will generate a manual comparison information on the outside of the 2D barcode. The user can confirm whether the manual comparison information is correct before using The mobile electronic device scans the two-dimensional bar code to obtain the financial account information, and enters and compares the audio-visual data in the mobile electronic device to compare the user's audio-visual data, thereby increasing the security and practicability of entering the financial account.

Description

Two-dimensional bar code application system and method for financial industry

The present invention is to provide a two-dimensional bar code application system and method for the financial industry, especially a two-dimensional bar code application system and method for the financial industry that is safer and more practical in use.

According to the so-called finance, it represents the state of money circulating in the market. Including currency issuance, circulation and withdrawal, loan issuance and withdrawal, withdrawal and deposit of funds, exchange transactions and other economic activities.

With the advancement of technology, the virtualization of various currencies has led to the continuous rapid development of the financial industry. Various types of financial transaction systems are becoming more and more convenient and fast. For example, from the earlier physical currency transactions, they gradually evolved into various types of financial transactions. Types of virtual currency or online deduction transaction methods. Although this method can greatly improve the convenience of use, it also has relatively many problems.

Because virtual currency or transaction transfer systems, unlike physical currency, users can carry and save themselves, and directly use physical currency to exchange goods or items for purchase actions, but enter the corresponding account or password in the electronic product. , To transfer the balance in the deposit or the amount of credit loan. However, in order to improve the security, the account or password is often set more complicated, which makes it easy to enter the wrong situation when entering. Therefore, there are many trading softwares that will Directly use the account to generate a corresponding barcode for others to scan to replace the input of the account. However, this barcode can only be interpreted by a machine, so if it is forged by others, it will be difficult to prevent.

Therefore, how to solve the above-mentioned conventional problems and deficiencies is the direction that the applicant of the present invention and the related manufacturers engaged in this industry urgently want to study and improve.

Therefore, in view of the above-mentioned deficiencies, the inventor of the present invention has collected relevant information, evaluated and considered from many parties, and has accumulated years of experience in this industry, through continuous trials and modifications, to design this kind of more practical and safer The invention patent holder of the two-dimensional bar code application system and its method in the financial industry.

The main purpose of the present invention is to allow the user to directly perform manual comparison through the manual comparison information generated by the manual comparison unit, and use the audio-visual reading unit to reduce the chance of being forged.

To achieve the above objective, the main structure of the present invention includes: a two-dimensional bar code application system, an account reading unit provided in the two-dimensional bar code application system, an audio-visual reading unit provided in the two-dimensional bar code application system, and A two-dimensional bar code generating unit connected to the account reading unit and the audio-visual reading unit, and a manual comparison unit connected to the two-dimensional bar code generating unit.

With the above structure, the user can input the financial account data into the account reading unit, and then input a user's audio-visual data into the audio-visual reading unit, thereby sending the financial account data and the user's audio-visual data to the two-dimensional barcode In the generating unit, the two-dimensional bar code generating unit will generate a two-dimensional bar code corresponding to the financial account data and the user's video and audio data, and the manual comparison unit will generate at least one manual comparison information on the outer side of the two-dimensional bar code, and when When others want to input financial account information, they can first manually observe whether the manual comparison information is correct, and then scan the two-dimensional bar code with the mobile electronic device to enter the financial account information, and the financial account information and user video and audio data will be obtained , And enter a comparison video data into the mobile electronic device to compare the user video data to confirm the correctness of the financial account data, so that the financial account data can be obtained by directly scanning the two-dimensional bar code to improve the practicality , And cooperate with manual comparison information and user video and audio data to improve the safety of use.

With the above technology, it is possible to break through the problems of insufficient security and inconvenient use of the conventional financial transaction system, and achieve the practical advancement of the above advantages.

1: Two-dimensional barcode application system

2: Account reading unit

21: Financial account information

22: Account input area

3: Audiovisual reading unit

31: User audio and video information

32: Audio and video input area

4: Two-dimensional barcode generation unit

41: Two-dimensional barcode

411: Icon

5: Manual comparison unit

51: Manual comparison information

6a, 6b: mobile electronic devices

61: Scanning recognition module

62: Audio-visual receiving component

The first figure is a block diagram of the structure of the preferred embodiment of the present invention.

The second figure is a flowchart of the steps of the preferred embodiment of the present invention.

The third figure is a schematic diagram of account input in a preferred embodiment of the present invention.

The fourth figure is a schematic diagram of audio and video input according to a preferred embodiment of the present invention.

The fifth figure is a schematic diagram of generating a two-dimensional barcode according to a preferred embodiment of the present invention.

The sixth figure is a schematic diagram of scanning of a preferred embodiment of the present invention.

The seventh figure is a comparison diagram of a preferred embodiment of the present invention.

The eighth figure is a schematic diagram of the transfer of the preferred embodiment of the present invention.

In order to achieve the above-mentioned purposes and effects, the technical means and structure adopted by the present invention are illustrated below in detail to illustrate the characteristics and functions of the preferred embodiments of the present invention, so as to fully understand.

Please refer to the first to eighth figures, which are the structural block diagram to the transfer diagram of the preferred embodiment of the present invention. It can be clearly seen from the figures that the present invention includes:

1. A mobile electronic device 6a equipped with a two-dimensional barcode application system 1;

One is the account reading unit 2 for receiving financial account data 21;

One is the audio-visual reading unit 3 for receiving the user's audio-visual data 31;

A two-dimensional barcode generating unit 4 connected to the account reading unit 2 and the audio-visual reading unit 3, the two-dimensional barcode generating unit 4 is for generating a two-dimensional barcode 41 corresponding to the financial account data 21 and the user's audio-visual data 31;

A manual comparison unit 5 connected to the two-dimensional barcode generating unit 4. The manual comparison unit 5 generates a manual comparison information 51 on the outside of the two-dimensional barcode 41. The manual comparison information 51 of this embodiment displays the financial account data 21 as an example;

One is a mobile electronic device 6b for scanning a two-dimensional barcode 41;

A scan recognition module 61 provided in the mobile electronic device 6b. The two-dimensional barcode application system 1 and the scan recognition module 61 in this embodiment are both mobile apps, but they are not limited and can also be various transfer software ;and

An audio-visual receiving element 62 provided on the mobile electronic device 6b.

Through the above description, the structure of the technology can be understood, and the corresponding cooperation of this structure can achieve the advantages of more practicality and improved safety. The detailed explanation will be described in the following.

The method for using the two-dimensional bar code application system of the financial industry of the present invention includes the following steps:

(a) Enter a financial account in an account reading unit in the two-dimensional barcode application system Account information;

(b) Input a user's audiovisual data into an audiovisual reading unit in the two-dimensional barcode application system;

(c) Transmit the financial account data and the user's video and audio data to a two-dimensional barcode generating unit connected to the account reading unit and the video and audio reading unit;

(d) The two-dimensional bar code generation unit generates a two-dimensional bar code from the financial account data and the user's video and audio data;

(e) Using a manual comparison unit connected to the two-dimensional bar code generation unit to generate a manual comparison information on the outside of the two-dimensional bar code;

(f) The user uses a mobile electronic device to scan the two-dimensional bar code after the manual comparison information is correct; and

(g) After scanning the two-dimensional bar code, provide a comparison video and audio data to the mobile electronic device to compare the user video and audio data.

From the above content, the user can open the two-dimensional barcode application system 1 in the mobile electronic device 6a. At this time, the account reading unit 2 will generate an account input area 22 on the mobile electronic device 6a. Enter the financial account data 21 in the account input area 22. After the input is completed, the audio-visual reading unit 3 will generate an audio-visual input area 32 on the mobile electronic device 6a to allow the user to select the user audio-visual data 31 to be input. This embodiment For example, take the voice message of voice input [I am XXX] as an example of the user's audio-visual data 31, but it is not limited. You can input other voice messages or take photos or videos of the user as the user's audio-visual data 31. After the account data 21 and user video data 31 are input, the two-dimensional barcode generating unit 4 will read and generate a two-dimensional bar code 41 corresponding to the financial account data 21 and user video data 31. At the same time, the manual comparison unit 5 A manual comparison information 51 will be generated outside the two-dimensional barcode 41. This embodiment uses the bank [YY Bank], account number [123456789], and user name [XXX] in the financial account data 21 as manual comparison The information 51 is an example, but it is not limited, and in this embodiment, in this embodiment, an icon 411 corresponding to the bank is also set in the two-dimensional barcode 41, which can assist the transferor to judge, but the figure Show 411 is not limited, it can be any corresponding pattern.

Therefore, when the transferor needs to enter the financial account information 21 to transfer the money to the user, the user can send the two-dimensional barcode 41 to the transferor or directly display the two-dimensional barcode 41 on the mobile electronic device 6a to the transferor. The transferor can manually confirm the manual comparison information 51 and Whether the icon 411 in the two-dimensional bar code 41 is correct is used as the first anti-counterfeiting confirmation mechanism, and then the two-dimensional bar code 41 is scanned by the transferor’s own mobile electronic device 6b to be analyzed by the scanning recognition module 61 The two-dimensional barcode 41, at this time, it is necessary to input a comparison audio-visual data into the audio-visual receiving component 62 on the mobile electronic device 6b of the transferor (in this embodiment, the microphone on the mobile electronic device is taken as an example), for example, in the mobile electronic device. The device 6b displays [Please enter the voice message], and directly allows the user to voice input [I am XXX] on the transferer’s mobile electronic device 6b as the comparison video and audio data, or allow the user to directly enter [I am XXX] The voice message is sent to the transferor for direct use by the transferor, but it is not limited. The user's photos or videos can also be used as the user's audio-visual data and compared with the audio-visual data, and the scanning and identification module 61 will target the comparison The audiovisual data is compared with the user audiovisual data 31 as the second anti-counterfeiting confirmation mechanism. Only if the same can be confirmed and opened to enter the financial user data 21 in the transferer’s mobile electronic device 6b, and enter the transfer page ( If the mobile electronic device 6b displays [Please enter the transfer amount] and enter the box), so that the transferor can directly perform the transfer action, so that the transferor can quickly obtain the financial account information 21 by scanning. Need to input by yourself, so it can greatly improve the practicability, and use the two anti-counterfeiting mechanisms of manual comparison of information 51 and comparison of user video and audio data 31 to greatly improve the security of use, so as to prevent others from forging the two-dimensional barcode 41, and then generate Information security loopholes.

However, the above description is only the preferred embodiments of the present invention, which does not limit the patent scope of the present invention. Therefore, all simple modifications and equivalent structural changes made by using the description and drawings of the present invention should be the same. It is included in the scope of the patent of the present invention, and is hereby stated.

In summary, the two-dimensional bar code application system and method of the financial industry of the present invention can indeed achieve its effects and purposes when used. Therefore, the present invention is an invention with excellent practicality and is in line with the application of invention patents. As for the essentials, I filed an application in accordance with the law, and I hope that the review committee will grant the invention as soon as possible to protect the inventor’s hard work. If the review committee has any doubts, please send me instructions. The inventor will do my best to cooperate with you.

1: Two-dimensional barcode application system

2: Account reading unit

21: Financial account information

3: Audiovisual reading unit

31: User audio and video information

4: Two-dimensional barcode generation unit

41: Two-dimensional barcode

5: Manual comparison unit

51: Manual comparison information

6a, 6b: mobile electronic devices

61: Scanning recognition module

62: Audio-visual receiving component

Claims (7)

A two-dimensional barcode application system for the financial industry. The two-dimensional barcode application system mainly includes: an account reading unit for receiving a financial account data; an audio-visual reading unit, the audio-visual reading unit is For receiving a user video and audio data; a two-dimensional bar code generation unit, the two-dimensional bar code generation unit is connected with the account reading unit and the video and audio reading unit, and receives the financial account data and the user video and audio data for calculation Process a two-dimensional bar code for scanning to obtain the financial account data and the user's video and audio data. The two-dimensional bar code is scanned by a mobile electronic device to generate the financial account data and compare the user's video and audio data. The electronic device has a scanning recognition module for parsing the two-dimensional bar code; and a manual comparison unit, which is connected to the two-dimensional bar code generating unit, and is used for generating at least one manual comparison information, And it is located outside the two-dimensional bar code. For example, the two-dimensional bar code application system of the financial industry mentioned in item 1 of the scope of patent application, wherein the manual comparison information is the financial account data. For example, the two-dimensional barcode application system of the financial industry described in the first item of the scope of patent application, wherein the mobile electronic device has an audio-visual receiving component for receiving a comparison audio-visual data to the scanning recognition module. A method for using a two-dimensional barcode application system in the financial industry, the steps of which mainly include: (a) inputting a financial account number in an account reading unit in the two-dimensional barcode application system; (b) entering the two-dimensional barcode Input a user's audio-visual data into an audio-visual reading unit in the application system; (c) Send the financial account data and the user's audio-visual data to a two-dimensional barcode generating unit connected to the account reading unit and the audio-visual reading unit (D) The two-dimensional bar code generation unit generates a two-dimensional bar code through the financial account data and the user's video and audio data; (e) a manual comparison unit connected to the two-dimensional bar code generation unit is used to generate a manual comparison The information is on the outside of the two-dimensional bar code; (f) After the user compares the manual with the correct information, scans the two-dimensional bar code with a mobile electronic device, and the mobile electronic device has a scanning recognition module, It is for analyzing the two-dimensional bar code; and (g) after scanning the two-dimensional bar code, a comparison video and audio data is provided to the mobile electronic device to compare the user video and audio data. For example, in the method of using the two-dimensional barcode application system of the financial industry as described in item 4 of the scope of patent application, the manual comparison information is the financial account data. For example, the method for using the two-dimensional barcode application system of the financial industry as described in item 4 of the scope of patent application, wherein the mobile electronic device has an audio-visual receiving element for receiving the compared audio-visual data to the scanning recognition module. For example, the method of using the two-dimensional barcode application system of the financial industry as described in item 4 of the scope of patent application, wherein the scanning recognition module and the two-dimensional barcode application system are both mobile apps.

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