TWI752319B - Financial transaction system and method of operation thereof - Google Patents

Abstract

A financial transaction system comprises a financial transaction interface, a storage device and a processing-controlling device, wherein the processing-controlling device is connected with the financial transaction interface and the storage device. The financial transaction interface is configured to receive a financial transaction request and receiver information. The storage device is configured to store prestored biometric information and account information of a financial account corresponding to the receiver information at least. The processing-controlling device has a wireless communication port, and asks the receiver’s device whether to agree with the financial transaction request through the wireless communication port. When the receiver’s device agrees with the financial transaction request, the processing-controlling device asks the receiver’s device for to-be-recognized biometric information, and when the to-be-recognized biometric information is determined to be match the prestored biometric information, the processing-controlling device selects the financial account to perform the financial transaction corresponding to the financial transaction request according to the prestored biometric information.

Description

Financial transaction system and its operation method

The present invention relates to a financial transaction system, in particular to a financial transaction system including a biometric identification function.

In daily life, there are often situations where it is necessary to transfer funds to other people's accounts, such as transferring funds to the payer after a party or group purchase, or providing filial piety, living expenses, red envelopes, etc. to relatives. For these transfers, it is necessary to obtain the bank and account information (such as bank code, account number, etc.) of the payee (such as the above-mentioned relatives and friends), and then fill in the account information at the bank counter or enter the account information through the bank's ATM for transfer. In addition, when the user wants to deposit to his own account, he also needs to fill in his account information at the bank counter, or enter it into the ATM for deposit.

However, ordinary people generally do not remember their own account information, nor do they carry a passbook with them, so it is difficult to obtain other people's or their own account information. In addition, despite remembering the account information, in the process of filling out the form or entering the machine, there are often cases where the filling or input is wrong, which leads to the failure of the transfer or deposit, or even the wrong transfer or deposit to other people's accounts.

In view of the above, the present invention provides a financial transaction system and an operation method thereof.

A financial transaction system according to an embodiment of the present invention includes a financial transaction interface, a storage device, and a processing control device, wherein the processing control device is connected to the financial transaction interface and the storage device. The financial transaction interface is used to receive financial transaction requests and payee information. The storage device is used to store at least the pre-stored biological information corresponding to the payee information and the account information of the financial account. The processing control device has a wireless communication port, and according to the payee information, asks the payee device whether to agree to the financial transaction request through the wireless communication port, and when the payee device agrees to the financial transaction request, asks the payee device for the biometric information to be identified, And when it is judged that the biometric information to be identified conforms to the pre-stored bio-information, a financial account is selected according to the pre-stored bio-information to execute the financial transaction corresponding to the financial transaction request.

According to an operation method of a financial transaction system according to an embodiment of the present invention, the applicable financial transaction system includes a financial transaction interface, a storage device and a processing control device, and the operation method includes: receiving a financial transaction request and receiving money through the financial transaction interface party information; use the processing control device to ask the payee device whether to agree to the financial transaction request based on the payee information; when the payee device agrees to the financial transaction request, the processing control device requests the payee device for biometric information to be identified; The processing control device receives and judges whether the biometric information to be identified conforms to the pre-stored bio-information corresponding to the payee information; and when the bio-information to be identified conforms to the pre-stored bio-information, selects a financial account according to the pre-stored bio-information to execute the corresponding financial transaction request financial transactions.

With the above structure, the financial transaction system and its operation method disclosed in this case allow the payee only to provide the payee's device or biometric information by pre-storing the payee's financial account information, biological information and device information. Financial transactions can be carried out without remembering or asking the payee for detailed financial account information, thereby improving the operational convenience of financial transactions, and avoiding the risk of transaction failure or transfer to someone else's account due to incorrect account information provided by the payer. Thus, the accuracy of financial transactions is improved. In addition, by asking the payee whether or not to agree to the financial transaction requirements and performing multiple confirmations of the biometric process, it can avoid the situation where the payer transfers money to the head account, thereby achieving the effect of money laundering prevention.

The above description of the present disclosure and the following description of the embodiments are used to demonstrate and explain the spirit and principle of the present invention, and provide further explanation of the scope of the patent application 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 any person skilled in 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 the patent application and the drawings , any person skilled in the related art can easily understand the related objects 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 in any viewpoint.

Please refer to FIG. 1 , which is a functional block diagram of a financial transaction system according to an embodiment of the present invention. The financial transaction system 1 shown in FIG. 1 is used to execute a financial transaction between a payer and a payee. The present invention does not limit the payer and payee to belong to the same person or different persons, nor does it limit the payer to be Humans are still artificial intelligence. The financial transaction system 1 includes a financial transaction interface 11, a storage device 13 and a processing control device 15, wherein the processing control device 15 is connected to the financial transaction interface 11 and the storage device 13, and has a wireless communication port 151 to communicate with the payee's use device ( It is called the payee device 2) for communication.

The financial transaction interface 11 is used to receive financial transaction requests and payee information. Among them, the financial transaction request refers to the request to provide specific financial items to a specific party; the payee information is the information of the aforesaid specific party, that is, the execution object of the aforesaid financial transaction request. The financial transaction interface 11 may be composed of a screen and keys of an ATM, or may be an input component of a user device, such as a touch screen of a mobile phone, a mouse keyboard of a computer, a microphone, and the like. In addition, the financial transaction interface 11 may also include a biometric information detector, such as a camera, a voice recorder, a fingerprint sensor, an iris sensor, and the like.

The storage device 13 is used for storing at least the pre-stored biological information corresponding to the aforementioned payee information and the account information of the corresponding financial account. In one embodiment, the storage device 13 can store one or more groups of binding information, each group of binding information corresponds to a user, and at least includes the pre-stored biometric information of the user, the account information of the financial account of the user, and Application information on the user's device (eg, Payee Device 2). In one embodiment, the binding information group may include not only the pre-stored biometric information of the corresponding user, but also the biometric information of the user's emergency contacts, guardians and other related persons as backup biometric information. These binding information sets can be stored in the form of lookup tables, so that the processing control device 15 can perform lookup of corresponding data. The storage device 13 can be a flash memory, a read-only memory, a magnetic memory or other non-volatile storage media, and can be set in the payer's use device (hereinafter referred to as the payer's device), or set in a remote location as a cloud database.

The processing control device 15 is used to determine the payee device according to the payee information from the financial transaction interface 11, and execute the payee's biometric information identification process to obtain the account information of the payee's financial account from the storage device 13, Then, the financial transaction corresponding to the financial transaction request is executed on the financial account. The detailed operation mechanism will be described later. Process control device 15 may be a central processing unit, microcontroller, field programmable gate array, application specific integrated circuit, or other processor. In one embodiment, the processing control device 15 may include two processing controllers respectively disposed on the payer device (such as an ATM, a mobile phone, a computer, etc.) and a remote device (such as a cloud server) to execute financial transactions and Processing of biometric identification.

Please refer to FIG. 1 and FIG. 2 together, wherein FIG. 2 is a flowchart illustrating an operation method of the financial transaction system 1 according to an embodiment of the present invention.

In step S1, the financial transaction interface 11 of the financial transaction system 1 receives the financial transaction request and the payee information. Among them, the financial transaction request refers to the request to provide specific financial items to a specific party, such as a transfer request, a deposit request, or a request to provide other financial items to a specific party; the payee information is the aforesaid specific party, that is, the aforesaid Information about the execution object of the financial transaction request. In one embodiment, the payee information may be application information of the payee's use device (payee device 2 ), such as a phone number, a social software account, and the like. In another embodiment, the payee information may be the payee's biometric information (hereinafter referred to as target biometric information), such as facial image, voiceprint, fingerprint, iris, etc., which can be obtained through the aforementioned financial transaction interface 11 Included biometric detector acquisition. In a usage scenario of this embodiment, the touch screen and camera of the payer's mobile phone are used as the financial transaction interface 11, and when the payer and the payee are near each other (for example, having dinner together or being a colleague next to each other), payment is made. The party can use the mobile phone to obtain the face image of the payee as the payee information.

In step S2 , the processing control device 15 of the financial transaction system 1 will, according to the payee information obtained by the financial transaction interface 11 , inquire through the wireless communication port 151 whether the payee device 2 agrees to the financial transaction request. Further, in the embodiment in which the payee information is the application information of the payee device 2, the processing control device 15 can send a query whether to agree to the transaction request according to the application information. For example, if the application information is a mobile phone number, the processing control device 15 can send an inquiry to the payee device 2 by sending a text message; for another example, the application information is an account of a social software, Then the processing control device 15 can transmit the inquiry message through the social software.

In the embodiment in which the payee information is the target biometric information, the processing control device 15 will determine that the target biometric information conforms to the pre-stored biometric information to determine the payee device, and issue approval or not according to the application information corresponding to the payee device. Inquiries about financial transaction requirements. Specifically, the processing control device 15 will find the pre-stored biological information that matches the target biological information from the look-up table stored in the storage device 13 (as described above, including one or more sets of binding information), and determine the pre-stored biological information. The application information corresponding to the biometric information belongs to the application information of the device used by the object that the payer intends to conduct financial transactions with (ie, the payee device 2 ). Next, the processing control device 15 sends a query whether to agree to the financial transaction request according to the application information. The implementation of the query based on the application program information is as described in the previous embodiment, and will not be repeated here.

When the processing control device 15 receives a response from the payee device 2 that does not agree with the financial transaction request, the processing control device 15 determines that the transaction is ended. Further, the processing control device 15 can shut down the system operation accordingly, or control the financial transaction interface 11 to display a prompt message of transaction failure, or display a message of whether to re-apply a transaction request. When the processing control device 15 receives a response from the payee device 2 for agreeing to the financial transaction request, step S5 is executed.

In step S5, the processing control device 15 requests the payee device 2 for the biometric information to be identified. The biometric information to be identified is, for example, the face image, voiceprint, fingerprint, iris, etc. of the operator of the payee device 2, which is not limited in the present invention; and the method for executing the request is the same as the implementation of the query in the previous step S3 It is similar and will not be repeated here. When the payee device 2 receives the request from the processing control device 15 , it can activate the built-in or externally connected biometric information extractor to obtain the biometric information to be recognized, and then transmit it to the processing control device 15 .

Next, in step S7, the processing control device 15 receives and determines whether the biometric information to be identified corresponds to the pre-stored biometric information corresponding to the payee information. Specifically, the processing control device 15 compares the biometric information to be identified with the pre-stored biometric information stored in the binding information group corresponding to the payee information in the storage device 13, and when the similarity ratio is greater than a specific ratio, the It will be determined that the biometric information to be identified is consistent with the pre-stored biometric information.

When the processing control device 15 determines that the two are inconsistent, it determines that the transaction is over and the system is shut down, or controls the financial transaction interface 11 to display a prompt message of transaction failure or/and re-transaction. In another embodiment, when the processing control device 15 determines that the biometric information to be identified does not match the pre-stored biometric information, the processing control device 15 may further determine whether the biometric information to be identified matches the backup biometric information in the same binding information group. As mentioned above, the backup biometric information refers to the biometric information of the emergency contact person, guardian and other related persons of the financial account holder. In one use scenario of this embodiment, the holding user of the financial account may not be in the vicinity of the payee device and cannot agree to the financial transaction request. With the setting of the backup biometric information, the holding user of the financial account can authorize the relevant person to carry out his own financial transaction request in advance, thereby avoiding the above inconvenience.

When the processing control device 15 determines that the biometric information to be recognized is consistent with the pre-stored biometric information, step S9 is executed. In step S9, the processing control device 15 selects a financial account according to the pre-stored biological information, so as to execute the financial transaction corresponding to the financial transaction request. In detail, the processing control device 15 can find the account information corresponding to the aforementioned pre-stored biological information (stored in the same binding information group) from the storage device 13, and determine that the financial account corresponding to the account information corresponds to the financial transaction request The execution object of the financial transaction, and provide corresponding financial items to the financial account according to the financial transaction requirements.

Further, before executing the financial transaction, the processing control device 15 may first provide the determined account information of the financial account through the financial transaction interface 11 , and when receiving the confirmation instruction related to the account information through the financial transaction interface 11 , Financial items corresponding to financial transaction requirements are provided to the determined financial account. For example, the processing control device 15 may present the account information and the confirmation button on the display screen of the ATM or the payer device as the financial transaction interface 11. When the payer selects the confirmation button, the financial transaction interface 11 A confirmation command will be generated and transmitted to the processing control device 15, and the processing control device 15 will then execute the financial transaction accordingly.

The binding information set described in the foregoing embodiments can be registered and stored in the financial transaction system 1 by the payee before the payer requests the financial transaction. In detail, the payee can input the application information of the payee device 2, the biometric information of the payee (pre-stored biometric information) and the financial account of the payee through the payee device 2 or the financial transaction interface 11 The processing control device 15 integrates the above-mentioned information into a set of binding information groups to store in the storage device 13 . Further, the financial transaction system 1 can accept the registration of multiple users, and store multiple sets of binding information in the above-mentioned manner.

Please refer to FIG. 1 to FIG. 3 together. FIG. 3 is a schematic diagram illustrating the operation of a financial transaction system according to another embodiment of the present invention. FIG. 3 exemplarily shows a usage scenario when the financial transaction system 1 of FIG. 1 executes the operation method of FIG. 2 . The components included in the financial transaction system 1' are substantially the same as the financial transaction system 1 shown in FIG. The above two are connected in communication with each other, wherein the cloud server 3 mainly executes the biometric identification process, and the payer device 4 mainly executes the financial transaction process. The cloud server 3 includes a first processing controller 31 and a storage device 33 , and the payer device 4 includes a financial transaction interface 11 , a second processing controller 43 and a wireless communication port 45 . The above elements are roughly similar to those included in the financial transaction system 1 of FIG. 1 , wherein the processing control device 15 of the financial transaction system 1 of FIG. 1 is divided into first and second processing controllers 31 and 43 in this usage scenario They are respectively arranged in the cloud server 3 and the payer device 4, and the detailed functions of each element are similar to those described in the previous embodiments, so they will not be repeated.

In this usage scenario, the payee RU can submit a registration application to the cloud server 3 of the financial transaction system 1' through the payee device 2, and further, the first processing controller 31 will accept the registration application and will receive the registration application. The information provided by the lender RU is stored in the storage device 33, and the detailed registration information is as described in the previous embodiment, which will not be repeated here. The financial transaction system 1' can perform the operation method shown in Fig. 2 . In step S1, the financial transaction interface 41 can receive the financial transaction request and the payee information provided by the payer PU. In steps S3 and S5 , the second processing controller 43 searches the storage device 33 in the cloud server 3 for the information of the payee device 2 according to the payee information, and then sends the information to the payee device 2 through the wireless communication port 45 . Ask whether to agree to the financial transaction request, and request the payee device 2 to provide the biometric information to be identified when a response of consent is obtained.

Next, in steps S7 and S9, when the payee device 2 retrieves the biometric information of the payee RU and sends it back to the payer device 4, the payer device 4 uploads the biometric information to be identified to the cloud server The second processing controller 31 of the device 3 determines the relationship between the biometric information to be identified and the pre-stored biometric information in the storage device 33, and then determines the financial account, and then provides the information to the payer device 4 for the second processing control. The processor 43 executes the financial transaction. The above usage scenarios are only exemplary descriptions, and the present invention is not limited thereto. In addition, the detailed implementations of steps S1 to S9 in the above-mentioned usage scenarios are also similar to those described in the previous embodiments, and thus are not repeated here.

With the above structure, the financial transaction system and its operation method disclosed in this case allow the payee only to provide the payee's device or biometric information by pre-storing the payee's financial account information, biological information and device information. Financial transactions can be carried out without remembering or asking the payee for detailed financial account information, thereby improving the operational convenience of financial transactions, and avoiding the risk of transaction failure or transfer to someone else's account due to incorrect account information provided by the payer. Thus, the accuracy of financial transactions is improved. In addition, by asking the payee whether or not to agree to the financial transaction requirements and performing multiple confirmations of the biometric process, it can avoid the situation where the payer transfers money to the head account, thereby achieving the effect of money laundering prevention.

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

1, 1': Financial transaction system 2: Payee device 3: Cloud server 4: Payer device 11, 41: Financial transaction interface 13, 33: Storage device 15: Processing control device 151, 45: wireless communication port 31: The first processing controller 43: Second processing controller RU: Payee PU: Payer

FIG. 1 is a functional block diagram of a financial transaction system according to an embodiment of the present invention. FIG. 2 is a flowchart of an operation method of a financial transaction system according to an embodiment of the present invention. FIG. 3 is a schematic diagram of the operation of a financial transaction system according to another embodiment of the present invention.

1: Financial transaction system

2: Payee device

11: Financial transaction interface

13: Storage device

15: Processing control device

151: Wireless communication port

Claims (10)

A financial transaction system, comprising: a financial transaction interface for receiving a financial transaction request and a payee information; a storage device for at least storing a pre-stored biological information and a backup biological information corresponding to the payee information information and an account information of a financial account, wherein the pre-stored biometric information belongs to the holding user of the financial account, and the backup biometric information belongs to a related person authorized by the holding user; and a processing control device connected to the financial account The transaction interface and the storage device have a wireless communication port, and the processing control device inquires a payee device whether to agree to the financial transaction request through the wireless communication port according to the payee information, and the payee device agrees When the financial transaction request is made, a biometric information to be recognized is obtained from the payee device, and when it is determined that the biometric information to be recognized conforms to the pre-stored bio-information, the financial account is selected according to the pre-stored bio-information to execute the corresponding financial transaction request. a financial transaction, and when it is determined that the biometric information to be identified does not match the pre-stored biometric information, it is determined whether the biometric information to be identified conforms to the backup biometric information. The financial transaction system of claim 1, wherein the payee information includes a target biometric information, and the processing control device executes the basis of the accepting The payee information inquires whether the payee device agrees with the financial transaction request. It determines the payee device by judging that the target biometric information conforms to the pre-stored biometric information, and sends out the payee device according to an application information corresponding to the payee device. Inquiry whether to agree to the financial transaction request. The financial transaction system of claim 1, wherein the payee information includes an application program information of the payee device, and the processing control device executes a query based on the payee information whether the payee device is Agreeing to the financial transaction request is based on the application information to issue an inquiry whether to agree to the financial transaction request. The financial transaction system as claimed in claim 1, wherein the processing and control device selects the financial account according to the pre-stored biological information to execute the financial transaction corresponding to the financial transaction request by providing the financial transaction through the financial transaction interface. the account information of the account, and provide a financial item to the financial account according to the financial transaction request when a confirmation instruction associated with the account information is received. The financial transaction system of claim 1, wherein the processing control device further uses an application program information of the payee device, the pre-stored biometric information and the account information of the financial account as a first binding information group, Use another application information of another payee device, another pre-stored biometric information of the payee corresponding to the other payee device, and another account information of another financial account as a first Two binding information groups, and storing the first binding information group and the second binding information group in the storage device with a look-up table, and when the payee information includes a target biometric information, the processing The control device searches the pre-stored biometric information corresponding to the target biometric information from the look-up table to determine the payee device. An operation method of a financial transaction system, the financial transaction system comprises a financial transaction interface, a storage device and a processing control device, the operation method comprises: receiving a financial transaction request and a payee information through the financial transaction interface; The processing control device inquires a payee device whether to agree to the financial transaction request according to the payee information; when the payee device agrees to the financial transaction request, the processing control device asks the payee device for a waiting period Recognize biological information; receive and determine whether the biological information to be recognized corresponds to a pre-stored biological information corresponding to the payee information by the processing control device; when the biological information to be recognized corresponds to the pre-stored biological information, according to the pre-stored biological information selecting a financial account to execute a financial transaction corresponding to the financial transaction request; and When the biometric information to be identified does not match the pre-stored biometric information, determine whether the biometric information to be identified conforms to the backup biometric information; wherein the pre-stored biometric information belongs to the holding user of the financial account, and the backup biometric information belongs to the user held by the holding user authorized persons. The operation method of claim 6, wherein the payee information includes a target biometric information, and inquiring by the processing control device whether the payee device agrees with the financial transaction request according to the payee information includes: determining the The target biometric information matches the pre-stored biometric information to determine the payee device; and according to an application information corresponding to the payee device, a query is sent whether to agree to the financial transaction request. The operation method of claim 6, wherein the payee information includes an application program information of the payee device, and the processing control device asks the payee device whether to agree to the financial service according to the payee information The transaction request includes: based on the application information, a query is sent whether to agree to the financial transaction request. The operation method of claim 6, wherein selecting the financial account according to the pre-stored biological information to execute a financial transaction corresponding to the financial transaction request comprises: providing an account information of the financial account through the financial transaction interface; and when receiving a confirmation instruction associated with the account information through the financial transaction interface, using the processing control device to provide a financial item to the financial transaction request according to the financial transaction interface financial account. The operation method of claim 6, further comprising: using the processing control device as a first binding information group with an application program information of the payee device, the pre-stored biometric information and an account information of the financial account ; The processing control device uses another application program information of another payee device, another pre-stored biometric information of the payee corresponding to the other payee device, and another account information of another financial account as a second binding information group; and using the processing control device to store the first binding information group and the second binding information group in the storage device with a look-up table; wherein, when the payee information includes When there is a target biometric information, the processing control device searches the pre-stored biometric information corresponding to the target biometric information from the look-up table to determine the payee device.

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