TWI791909B - Business process system, method, and its computer program product - Google Patents

Abstract

A business processing method and system thereof, used for a service provider to send back a service information code corresponding to a service request of a service requester to the service requester, the service processing method includes the following steps: confirming the correspondence of the service request The service type, in which a machine device is used to read the business information code to confirm the service type corresponding to the corresponding business request; and display the relevant pages and information of the business request on the machine device; the business request corresponding to the machine device An identity verification procedure is required; and, a processing result of the service request is returned to the service provider, and the processing result is displayed on the machine device. A computer program product for executing the above business processing method is also provided herein. The invention increases the user's operation convenience when using different business services.

Description

Business processing system, method and computer program product thereof

The present invention relates to a computer technology, especially a business processing system, method and computer program product.

With the continuous development of computer technology, a variety of emerging business models have emerged one after another. These emerging business models not only provide convenience for users' business execution, but also bring brand-new experience to users in the process of executing their business. . Also due to the prevalence of the Internet, many businesses can be conducted through the Internet, such as transfer transactions and business applications. However, for some businesses, based on security reasons, identity authentication must be performed or applications must be made at the counter. Many identity authentications require the use of a card reader. If it is not installed or has a problem with the installation, it cannot be used, causing inconvenience to the user.

In view of this, how to provide customers with more diversified and more convenient business services is a goal that needs to be worked hard at present.

The present invention provides a business processing system, method and computer program product, which increases user's operational convenience when using different business services and reduces the use of other hardware devices (such as readers) by using business information codes.

The business processing method of an embodiment of the present invention is used for a service provider to generate a corresponding business information code according to a business request of a business demander and send it back to the business demander. The business processing method includes the following steps: business information The code is read by a machine device to confirm the service type corresponding to the business request, and display the relevant pages and information of the business request on the machine device, wherein the business information code includes a business type operator designation code and a service data code; the machine The equipment is an automation equipment with a scanning lens and an input interface; and the machine equipment communicates with a server of a multi-service provider, and the server of the multi-service provider analyzes the business information code and sends the relevant pages and information of the business request It will be sent back and displayed on the machine device. An identity verification procedure is required to perform business request correspondence on the machine equipment. And, return one processing result of the service request to the service provider, and display the processing result on the machine device.

A computer program product according to an embodiment of the present invention includes a set of instructions. After the computer loads and executes the set of instructions, it can complete the business processing method described above.

A service processing system according to an embodiment of the present invention includes a service provider server, a machine device and a multi-service provider server. The server of the service provider generates a service information code corresponding to a service provider according to a service request of a service demander, and sends the service information code back to the service demander, wherein the service information code includes a business category designated by the operator code and a service data code. Machine equipment is an automated device with a scanning lens and an input interface, which is used to read the business information code and provide an input interface required for an identity verification process to display and execute the service type corresponding to the business request. The multi-service provider server communicates with the machine equipment, wherein: the multi-service provider server receives the business information code read from the machine equipment, and the multi-service provider server decrypts the business information code to confirm the corresponding business Relevant information requested, and the relevant pages and information of the business request are returned and displayed on the machine equipment. One of the identity verification data corresponding to the required identity verification procedures is read from the machine equipment and sent to the server of the multi-service provider for verification. And, the multi-service provider server returns a processing result of the service request to the service provider server, and displays the processing result on the machine device.

The following is a detailed description of the specific embodiments with the attached drawings, and it will be easier to understand the purpose, technical content, characteristics and effects of the present invention.

100: user

110:Mobile device

200: Service provider

210: service provider server

300: machine equipment

400: Multiple service provider server

S100, S102, S104: steps

FIG. 1 is a schematic diagram of a business processing system architecture according to an embodiment of the present invention.

FIG. 2 is a schematic diagram of a business processing method according to an embodiment of the present invention.

FIG. 3 is a schematic diagram of a service information code according to an embodiment of the present invention.

FIG. 4 is a schematic diagram of a business processing system architecture according to another embodiment of the present invention.

Various embodiments of the present invention will be described in detail below and illustrated with accompanying drawings. In addition to these detailed descriptions, the present invention can also be widely implemented in other embodiments, any easy replacement, modification, and equivalent changes of any of the embodiments are included in the scope of the present invention, and the scope of the patent application is allow. In the description of the specification, many specific details are provided in order to enable readers to have a more complete understanding of the present invention; however, the present invention may still be practiced under the premise of omitting some or all of the specific details. Furthermore, well-known steps or elements have not been described in detail in order to avoid unnecessarily limiting the invention. The same or similar elements in the drawings will be denoted by the same or similar symbols. It should be noted that the drawings are for illustrative purposes only, and do not represent the actual size or quantity of components, and some details may not be fully drawn in order to simplify the drawings.

Please refer to Fig. 1, which is a schematic diagram of the architecture of an embodiment of the present invention. As shown in the figure, the application scenario of the present invention lies in being a business demand side, taking user 100 as an example, user 100 is based on the current business needs When a service request is made to a service provider 200, the service provider 200 generates a corresponding service information code to a mobile device 110 of the user 100, wherein the service information code includes a business type An industry-specific code (Business Type-Enterprises code, BTE code) and a service data code (DATA code, data code), so that the user 100 can go to a machine device 300 within a specified period to use the business information code to execute the business. In one embodiment, the business provider 200 generates a business information code according to a business coding rule of a multiple service provider, and the business type business designation code includes a business provider information and a designated service; and the service data code includes a designation The service corresponds to one of the service-related parameters. That is to say, different service providers 200 can generate a service information code corresponding to each service request according to the provider's coding rules. In one embodiment, the business information code is transmitted to the mobile carrier 110 of the user by means of at least one of a text message, an email, and an application program (APP). The form of the business information code can be a graphic barcode, which includes but not limited to a one-dimensional barcode or a two-dimensional barcode.

In yet another embodiment, the mobile device 110 includes, but is not limited to, devices with display screens such as smart phones, smart watches, tablet computers, or notebook computers. The machine equipment 300 includes automation equipment with an input interface, which includes but not limited to a Kiosk machine, a POS machine, an ATM machine and a VTM machine.

Continuing from the above, based on the architecture of FIG. 1, the business processing method of an embodiment of the present invention is shown in FIG. After the information is coded, the user 100 can go to any machine device 300 to perform the desired service.

Step S100, the business information code is read by the machine equipment 300 to confirm the service type corresponding to the business request, and display the relevant pages and information of the business request on the machine equipment, wherein the business information code includes the business type operator designation code (BTE Code) and service data code, the service data code is ciphertext. In one embodiment, the machine equipment 300 reads the business information code by scanning. After the machine device 300 reads the service information code, it decrypts the service information code to obtain the content contained in the service information code. In one embodiment, the BTE code is used to read and decrypt the key to decrypt the service data code. The BTE code contains at least the The service provider information and the specified service content, and the service data code includes information such as the relevant parameters of the specified service. The service provider information includes but not limited to the name and/or code of the service provider. After decryption, the relevant business The pages and data are displayed on the machine equipment for users to confirm or read. That is to say, in actual operation, by scanning the business information code, the user can directly display the service that the user wants to use on the machine equipment, and automatically bring in the data required for the service, then you can Reduce the waste of time caused by users who are not familiar with the interface.

In step S102, an identity verification procedure is performed on the machine equipment for service request correspondence. The user 100 can provide the identity verification information required by the service request according to the information displayed by the machine device 300 . In one embodiment, the method of identity verification includes but not limited to at least one of using a chip card, scanning an authenticated authentication code, using a password, or using a non-contact induction method, wherein the password includes but It is not limited to one-time password (One Time Password, OTP). In yet another embodiment, when the machine device 300 performs the identity verification procedure, it further includes sending the identity verification information to an external verification party for verification, wherein the external verification party includes but is not limited to financial operators, government agencies, service providers, third parties, etc. Third party payment provider. In actual operation, different business services require different methods of identity verification. Here, the device will display the verification methods required for different business types on the page. For example, this service can only use ID cards as For identity verification, the machine device presents a display screen asking the user to insert a new digital ID card. Alternatively, the machine equipment can also provide acceptable verification methods for the service type for the user to choose. For example, if the service can use an ID card or health insurance card as identity verification, the machine equipment displays please use The display screen for inserting a new digital ID card or health insurance card.

Continuing with the above, in step S104 , after the verification and service are completed, a processing result of the service request is returned to the service provider 200 , and the processing result is displayed on the machine device 300 . In actual operation, the user completes the service after completing the identity verification (or starts the service after the identity verification is completed, such as payment), and the machine equipment can print out the relevant information of the service as the completion of the service and No credentials. For those who do not have a card reader device at home, or for the operation process that requires the user to perform multiple inputs on the machine device, the technology of the present invention allows the user to have considerable operational convenience.

Please refer to FIG. 3 and FIG. 4. FIG. 3 is a schematic diagram of a business information code according to an embodiment of the present invention; FIG. 4 is a schematic diagram illustrating a business processing system architecture according to an embodiment of the present invention. The service processing system includes a service provider server 210 , a machine device 300 and a multi-service provider server 400 . As shown in the figure, a service demander makes a service request to a service provider. The service provider server 210 can generate a service information code corresponding to a service provider according to the service request and send it back to the service requester, wherein the service information code includes a business type operator designation code (BTE code) and a service data code . In actual usage scenarios, each service provider can generate its corresponding service information code according to different service requests of users (service demanders). In one embodiment, the business information code is a graphic code, which includes but is not limited to bar code and QR code. FIG. The service data code, wherein the BTE code includes service provider information and a designated service, and the service data code includes information such as a service-related parameter corresponding to the designated service. The service provider server 210 transmits the service information code to a mobile carrier 110 of the user 100 in at least one of a text message format, an email format and an application program (APP) method. In one embodiment, the service provider 200 generates the service information code according to the operator encoding rule of the multi-service provider server 400 .

The machine device 300 is used to read the business information code and provide an input interface required by the identity verification procedure to display and execute the service type corresponding to the business request. In one embodiment, the machine device 300 is an automation device with an input interface, which includes but not limited to a Kiosk machine, a POS machine, an ATM machine and a VTM machine. These machines and equipment 300 are mostly installed in places that are easy to reach for general users, including but not limited to convenience stores, supermarkets, hypermarkets, banks... and other places.

The multi-service provider server 400 communicates with the machine equipment 300, wherein: the multi-service provider server 400 receives the business information code read from the machine equipment 300, and the multi-service The service provider server 400 decrypts the business information code to confirm the BTE code and the service data code, and uses the BTE code to analyze the service provider and the designated service, and return the designated service-related pages and information to the Displayed on the machine device. One of the identity verification data required for the identity verification procedure required for the service request is obtained from the machine device 300 and sent to the server 400 of the multi-service provider for verification. In one embodiment, when necessary, the multi-service provider server 400 sends the identity verification data to an external verification party for verification. After the verification is completed, the multi-service provider server 400 returns one of the processing results of the service request to the service provider server 210 of the service provider 200, and displays the processing result on the machine device 300, which can be displayed on the machine The device 300 prints the business processing results for storage. In one embodiment, the identity verification data includes but not limited to a digital certificate, a password or a graphic barcode according to the needs of different businesses and different businesses. Among them, the digital certificate can be any digital certificate recognized by the Electronic Signature Law and can be recognized, including but not limited to natural person certificates, industrial and commercial certificates, and financial certificates issued by various financial industries. The password can be a one-time password received by the user for this service or a previously set password. Graphical barcodes can be membership barcodes or one-time generated verification codes, including but not limited to one-dimensional barcodes and two-dimensional barcodes. In one embodiment, the carrier of identity verification data includes a contact chip card, a contactless chip card, a mobile carrier and a flash drive, which includes but not limited to a natural person certificate, a chip financial card, One new digital ID card, one business certificate, one health insurance card, one tablet, one smart phone, one USB flash drive, etc.

The above business processing method in another embodiment of the present invention can be realized by a computer program product including a plurality of instructions. The computer program product may be a file that can be transmitted over the Internet, or stored in a non-transitory computer-readable storage medium. For the computer program product, after the instructions included in it are loaded into an electronic computing device, the computer program executes the above-mentioned business processing method. Wherein the non-transitory computer readable storage medium can be an electronic product, for example: a read only memory (read only memory; ROM), a flash memory, a floppy disk, a hard disk, a compact disk (compact disk) ; CD), a flash drive or any other storage media with the same function known to those of ordinary skill in the technical field of the present invention.

According to the above, one of the characteristics of the present invention is that different operators can generate corresponding business information codes according to the different business needs of different users each time according to the business coding rules of the multi-service provider server, that is to say, each business The business information codes corresponding to the requirements will be different. For the user, the user only needs to display the business information code in front of the machine equipment, and after the identity verification is completed, the relevant service content or the completion of the service content (such as payment, printing data, etc.) can be performed. Quite convenient. Available business scenarios include but are not limited to account opening (such as securities account, mobile phone user, member real-name authentication, electronic payment account), account transfer (for example, automobile and motorcycle transfer, door number transfer), student registration, digital account upgrade, Membership mechanism identity authentication, membership upgrade, application for copy of household registration copy, driver's license/health insurance card/ID card/natural person certificate reissuance, fine ticket reissuance, supermarket logistics service, ticket purchase, various deduction/payment, membership Annual fee withholding, utility fee payment and other services.

To sum up the above, a business processing system, method and computer program product, through the use of business information codes, increase the user's convenience in using different business services and reduce the user's need for other hardware devices (such as readers). use.

The above-described embodiments are only to illustrate the technical ideas and characteristics of the present invention, and its purpose is to enable those skilled in this art to understand the content of the present invention and implement it accordingly, and should not limit the patent scope of the present invention. That is to say, all equivalent changes or modifications made according to the spirit disclosed in the present invention should still be covered by the patent scope of the present invention.

S100, S102, S104: steps

Claims (14)

A business processing method, used for a service provider to send back a corresponding business information code generated according to a service request of a service demander to the service demander, the business processing method includes the following steps: the business information code is passed through A machine device reads to confirm the service type corresponding to the business request, and displays the relevant pages and information of the business request on the machine device, wherein the business information code includes a business type operator designation code and a service data code, Wherein, the service data code is a cipher text, and the decryption key is obtained by using the designated code of the business type to decrypt the service data code; the machine equipment is an automatic equipment with a scanning lens and an input interface; and the machine equipment is connected with a Multi-service provider server communication connection, the multi-service provider server analyzes the business information code, and returns the relevant pages and information of the business request and displays them on the machine device; on the machine performing an identity verification procedure corresponding to the business requirement; and returning a processing result of the business requirement to the service provider, and displaying the processing result on the machine device. The business processing method as described in Claim 1, wherein the business provider generates the business information code according to the multi-service provider's business coding rules, and the business type business designation code includes a business provider information and a designated service; And the service information code includes a service-related parameter corresponding to the designated service. The business processing method as described in Claim 1, wherein the business information code is transmitted to a mobile carrier of the business demander by means of at least one of a text message, an email, and an application program (APP) display. The business processing method as described in claim item 1, wherein the method for the machine device to perform the identity verification process includes reading a chip card, accepting the scanning of an authentication code, accepting the input of a password, and in a non-contact induction method At least one of the ways. The business processing method as described in Claim 1, wherein the identity verification process performed by the machine device further includes sending an identity verification data to an external verification party for verification. A computer program product, including a set of instructions, which can complete the business processing method described in any one of claims 1 to 5 after the computer loads and executes the set of instructions. A service processing system, comprising: a service demander, which proposes a service request to a service provider; a service provider server, which generates a service information code corresponding to the service provider according to the service request, and sends the service The information code is sent back to the business demander, wherein the business information code includes a business type operator designation code and a service data code; a machine device is an automated device with a scanning lens and an input interface for reading the business Information code and an input interface required for providing an identity verification program to display and execute the service type corresponding to the business request; and a multi-service provider server connected to the machine equipment, wherein: the multi-service provider The multi-service provider server receives the business information code read from the machine equipment, and the multi-service provider server decrypts the business information code to confirm the relevant information corresponding to the business request, and sends the relevant page of the business request And the information is returned and displayed on the machine equipment, and the server of the multi-service provider uses the designated code of the business type operator to obtain the decryption key to decrypt the service data code; Read from the machine equipment one of the identity verification data corresponding to the identity verification process required for the business request and send it to the server of the multi-service provider for verification; and the server of the multi-service provider returns the business Request a processing result to the service provider server of the service provider, and display the processing result on the machine device. The business processing system as described in Claim 7, wherein the business information code is a graphic bar code. The service processing system as described in Claim 7, wherein the service provider server transmits the service information code to a mobile vehicle. The business processing system as described in Claim 7, wherein the machine equipment includes a Kiosk machine, a POS machine, an ATM machine and a VTM machine. The business processing system as described in Claim 7, wherein the identity verification data includes at least one of a digital certificate, a password, and a graphic barcode. The business processing system as described in Claim 7, wherein the carrier of the identity verification data includes a contact chip card, a contactless chip card, a mobile carrier and a flash drive. The business processing system as described in Claim 7, wherein the multi-service provider server sends the identity verification data to an external verification party for verification. The service processing system as described in Claim 7, wherein the service provider generates the service information code according to the operator coding rules of the multi-service provider server.

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