TWI785363B - Financial service system - Google Patents

Abstract

The present disclosure provides a financial service system including a beacon, an electronic device and a server coupled to the beacon and the electronic device. The electronic device enters a communication range of the beacon and receives a recognition code of the beacon through an application, and the application transmits the recognition code to the server. When the server determines the recognition code the same with a predetermined recognition code, the server pushes an invitation message to the application. The invitation message includes a picking number option and a not picking number option. When the electronic device receives a click operation of the picking number option, the server obtains a current number and accumulates the current number, and pushes a picking number message to the application. The picking number message includes the accumulated current number.

Description

Financial Services System

This disclosure relates to a financial service system, and in particular to a financial service system that improves the interaction effect between customers and banks through beacons.

With the evolution of technology, Bluetooth low energy devices are gradually being developed. Beacon (Beacon) is a broadcast protocol based on the Bluetooth Low Energy protocol. Devices equipped with Bluetooth low energy communication function send their own unique identification codes to the surroundings. Most of the current beacons are used in indoor positioning technology to locate objects or people through triangulation. However, beacons are not currently utilized in banks to enhance the interaction between banks and customers.

In view of this, the present disclosure provides a financial service system that enhances the interaction effect between customers and banks through beacons.

This disclosure proposes a financial service system, including: a beacon; an electronic device; and a server coupled to the beacon and the electronic device. The electronic device enters the communication range of the beacon and receives the identification code of the beacon through the application program, and the application program sends the identification code to the server. When the server judges that the identification code of the beacon is the same as the predetermined identification code, the server pushes a welcome message to the application program. The welcome message includes an option to pick up a number and an option not to pick up a number. When the electronic device receives the click operation of the number obtaining option, the server obtains the current number and accumulates the current number, and pushes and broadcasts a number obtaining message to the application program. The number retrieval message includes the accumulated current number.

In an embodiment of the present disclosure, the server searches for a branch name corresponding to the identification code and the welcome message includes the branch name.

In an embodiment of the present disclosure, the above-mentioned server obtains the ID code through the application program and determines whether the ID code corresponds to a customer of the bank or a non-customer of the bank, and when the ID code corresponds to a customer of a non-bank customer, the server pushes a welcome message To the application program, when the ID code corresponds to the customer of the bank, the server pushes a welcome message to the application program, and the welcome message includes multiple service options.

In an embodiment of the present disclosure, the above-mentioned service options include deposit options, withdrawal options, and exchange options.

In an embodiment of the present disclosure, the above-mentioned electronic device sends scheduled transaction information to the server, and when the electronic device enters the communication range of the beacon and the electronic device at the counter executes the call operation corresponding to the accumulated current number, the server sends the scheduled transaction The information is sent to the counter electronic device and the counter electronic device executes the transaction corresponding to the reserved transaction information.

In an embodiment of the present disclosure, the above-mentioned electronic device sends the account opening reservation information to the server and the server generates a reservation number picking number corresponding to the account opening reservation information and sends the number picking up number to the electronic device, and the counter electronic device enters the information in the electronic device Afterwards, the target communication area receives the input of the reserved number to obtain the reserved account opening information from the server and executes the account opening operation corresponding to the reserved account opening information.

In an embodiment of the present disclosure, after the above-mentioned electronic device enters the communication range of the beacon, the server pushes an inquiry message including a confirmation option to the application program, and when the application program receives the click operation of the confirmation option, the application program sends a confirmation message to the server server and the server sends the customer arrival information to the counter electronic device.

In an embodiment of the present disclosure, the inquiry message includes whether to bring dual certificates for account opening.

In an embodiment of the present disclosure, the above-mentioned identification code is a Universally Unique Identifier (UUID).

In an embodiment of the present disclosure, the above-mentioned beacon includes a Bluetooth low energy transmitter.

Based on the above, the disclosed financial service system will receive the identification code of the beacon through the application program when the user's electronic device enters the communication range of the branch beacon. After confirming the beacon identification code, the server will push a welcome message to the application program of the user's electronic device. When the user clicks on the number-taking option in the welcome message, the server pushes the number-taking message including the number-taking number to the application program. Therefore, the user can carry out the transaction at the counter with the access number displayed on the screen of the electronic device.

FIG. 1 is a block diagram of a financial service system according to an embodiment of the present disclosure.

Please refer to FIG. 1 , a financial service system 100 according to an embodiment of the present disclosure includes a beacon 110 , an electronic device 120 and a server 130 . The server 130 is coupled to the beacon 110 and the electronic device 120 through wired or wireless communication. The beacon 110 is, for example, a Bluetooth low energy transmitter and can be installed at a bank branch. The number of beacons 110 set by a bank branch may be one or more. The electronic device 120 is, for example, a user's smart phone, tablet computer or other similar devices. The server 130 is, for example, a bank server. Both the electronic device 120 and the server 130 may include a communication chip, a storage device and a processing module (not shown in the figure).

The communication chip can support Global System for Mobile communication (GSM), Personal Handy-phone System (PHS), Code Division Multiple Access (CDMA) system, broadband code division Multiple access (Wideband Code Division Multiple Access, WCDMA) system, Long Term Evolution (Long Term Evolution, LTE) system, Worldwide interoperability for Microwave Access (WiMAX) system, Wireless Fidelity (Wi-Fi ) system, the fifth generation mobile communication network (5 ^th Generation Mobile Network, 5G) system, or components of Bluetooth signal transmission.

The storage device can be any type of fixed or removable random access memory (Random Access Memory, RAM), read-only memory (Read-Only Memory, ROM), flash memory (flash memory), hard disk ( Hard Disk Drive (HDD), Solid State Drive (SSD) or similar components or a combination of the above components.

The processing module can be a central processing unit (Central Processing Unit, CPU), or other programmable general purpose or special purpose microprocessor (Microprocessor), digital signal processor (Digital Signal Processor, DSP), programmable controller, application specific integrated circuit (Application Specific Integrated Circuit, ASIC) or other similar components or a combination of the above components.

In one embodiment, when the user's electronic device 120 enters the communication range of the branch beacon 110 and the user uses the electronic device 120 to open an application program (for example, a mobile banking application program), the application program can receive the identification code of the beacon 110 (eg, UUID) and transmit the identification code to the server 130 . When the server 130 determines that the identification code of the beacon 110 is the same as the predetermined identification code, the server 130 pushes a welcome message to the application program. The beacon 110 of each branch may correspond to a different predetermined identification code. The welcome message includes options for taking a number (for example, "I want to receive a number plate for Taiwan dollar business" or "I want to get a number plate for a foreign currency business") and options for not picking up a number (for example, "do not need a number plate" or "close"). When the electronic device 120 receives the user's click operation on the option of taking a number, the server 130 obtains the current number of the cabinet, accumulates the current number, and pushes a number taking message to the application program. The number retrieval message includes the accumulated current number. For example, when the current number of the cabinet is "No. 10", the server 130 can accumulate the current number as "No. 11" and push a number retrieval message including "You have obtained the number plate No. 11" to the application.

In one embodiment, the server 130 can search for the branch name corresponding to the identification code and the welcome message includes the branch name. For example, the welcome message may include “Welcome to XX branch of XX bank”, where “XX branch” corresponds to the identification code of the beacon 110 .

In one embodiment, the server 130 can obtain an ID code (for example, an ID card number) through an application program and determine whether the ID code corresponds to a customer of the bank or a non-customer of the bank. When the ID code corresponds to a non-bank customer, the server 130 pushes a simple welcome message to the application program. When the ID code corresponds to the customer of the bank, the server 130 pushes a welcome message with complete service functions to the application program, and the welcome message with complete service functions includes multiple service options (for example, deposit options, withdrawal options, currency exchange options, etc.) .

In one embodiment, when the user wants to schedule a transaction, the user can use the electronic device 120 to log into the mobile bank or the bank's official website and send the scheduled transaction information (eg, pre-processing form, etc.) to the server 130 . When the user enters the communication range of the branch beacon 110 with the electronic device 120 and the electronic device at the counter performs the calling operation corresponding to the accumulated current number (that is, the number plate in the push message of the teller calling application program), the server 130 Send the scheduled transaction information to the counter electronic device, and the teller can use the counter electronic device to execute the transaction corresponding to the scheduled transaction information.

In one embodiment, when the user wants to make an appointment to open an account, the user can use the electronic device 120 to send the reservation information to the server 130, and the server 130 generates a reservation number corresponding to the reservation information and sends the reservation number to the electronic device. After the electronic device 120 enters the communication range of the beacon 110, the counter electronic device receives the teller's input of the reserved number to obtain the reserved account opening information from the server 130, and the teller uses the counter electronic device to perform the account opening operation corresponding to the reserved account opening information. It is worth noting that after the electronic device 120 enters the communication range of the beacon 110, the server 130 can push an inquiry message including a confirmation option (for example, "Yes") to the application program. When the application program receives the user's click operation on the confirmation option, the application program sends a confirmation message to the server 130 and the server 130 sends the customer arrival message to the counter electronic device, so that the teller instructs the user to go to the counter to inform the reservation number teller to open an account.

To sum up, the disclosed financial service system will receive the identification code of the beacon through the application program when the user's electronic device enters the communication range of the branch beacon. After confirming the beacon identification code, the server will push a welcome message to the application program of the user's electronic device. When the user clicks on the number-taking option in the welcome message, the server pushes the number-taking message including the number-taking number to the application program. Therefore, the user can carry out the transaction at the counter with the access number displayed on the screen of the electronic device.

Although the present disclosure has been disclosed above with embodiments, it is not intended to limit the present disclosure. Anyone with ordinary knowledge in the technical field may make some changes and modifications without departing from the spirit and scope of the present disclosure. The scope of protection of this disclosure should be defined by the scope of the appended patent application.

100: Financial Services Systems 110: beacon 120: electronic device 130: server

FIG. 1 is a block diagram of a financial service system according to an embodiment of the present disclosure.

100: Financial Services Systems

110: beacon

120: electronic device

130: server

Claims (8)

A financial service system, including: a beacon; an electronic device; a server, coupled to the beacon and the electronic device, wherein the electronic device enters the communication range of the beacon and receives a message from the beacon through an application program identification code, and the application program sends the identification code to the server; when the server judges that the identification code of the beacon is the same as a predetermined identification code, the server pushes a welcome message to the application program, and the welcome The message includes an option to obtain a number and an option not to obtain a number; and when the electronic device receives a click operation on the option to obtain a number, the server obtains a current number and accumulates the current number, and pushes a message to obtain a number to the application program, the number retrieval message includes the accumulated current number, wherein the server obtains an identity identification code through the application program and determines that the identification code corresponds to a customer of the bank or a non-customer of the bank, when the identity identification When the code corresponds to a non-bank customer, the server pushes the welcome message to the app; when the ID code corresponds to a bank customer, the server pushes the welcome message to the app, and the welcome message further includes A plurality of service options, wherein the electronic device sends a scheduled transaction information to the server, when the electronic device enters the communication range of the beacon and a counter electronic device performs a calling operation corresponding to the accumulated current number, The server sends the scheduled transaction information to the counter electronic device and the counter electronic device executes a corresponding to the scheduled transaction information trade. The financial service system as claimed in claim 1, wherein the server searches for a branch name corresponding to the identification code and the welcome message includes the branch name. The financial service system according to claim 1, wherein the service options include a deposit option, a withdrawal option, and a currency exchange option. The financial service system as described in claim 1, wherein the electronic device sends a reservation account opening information to the server and the server generates a reservation number corresponding to the reservation account opening information and sends the reservation number to the electronic device device, a counter electronic device receives the input of the reserved number after the electronic device enters the communication range of the beacon to obtain the reserved account opening information from the server and execute the account opening operation corresponding to the reserved account opening information. The financial service system as described in claim 4, wherein after the electronic device enters the communication range of the beacon, the server pushes an inquiry message including a confirmation option to the application program, and when the application program receives the confirmation option When clicking, the application program sends a confirmation message to the server, and the server sends a customer arrival message to the counter electronic device. The financial service system according to claim 5, wherein the inquiry message includes whether to carry dual certificates for account opening. The financial service system as claimed in claim 1, wherein the identification code is a Universally Unique Identifier (UUID). The financial service system as claimed in claim 1, wherein the beacon includes a Bluetooth low energy transmitter.

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