TWI824448B - Account authorization management system - Google Patents

Abstract

An account authorization management system is provided. The account authorization management system includes a processor, a transceiver, a first server and a second server. The first server includes an account management module, an account authorization module, and an account content acquisition module. The second server includes an account authorization management module and an account authorization integration module. The account management module is for the user to input multiple account personal information in the first application. The account authorization module performs the binding verification. The account content acquisition module performs the content authorization application. The account authorization management module receives the binding verification and the content authorization applications, and the user inputs verification settings and multiple authorization settings in the second application program. The account authorization consolidation module consolidates multiple authorization settings into an authorization list. The user can view multiple account authorization details and multiple account contents in the first application, and can view multiple account authorization details in the second application.

Description

Account authorization management system

The present invention relates to a management system, and in particular to an account authorization management system.

Currently, all major financial institutions store various assets held by customers and related consumption details in financial institutions. Customers need to go through the platforms of different financial institutions to view their various assets and consumption details in different financial institutions. , is quite cumbersome and inefficient, so it is necessary to propose improvement plans to provide customers with the ability to view their various assets and consumption details in different financial institutions on the third-party service provider's platform, and only need to use a single application.

The present invention provides an account authorization management system that can bind multiple third-party service providers to accounts of financial institutions. The platform provided by the third-party service providers can view the contents of the accounts of financial institutions, and can be adjusted by the platform provided by the financial institution.

The account authorization management system of the present invention includes a processor, a signal transceiver, a first server and a second server. The first server includes an account management module, an account authorization binding module and an account content acquisition module. The second server includes an account authorization management module and an account authorization integration module. The account management module allows users to enter multiple account personal information in the first application. Multiple account personal information includes financial institution, account number and account name respectively. The account authorization binding module connects the signal to the financial institution and performs binding verification based on the account number and account name. The account content acquisition module signal is connected to the financial institution, and the user executes the content authorization application. The account authorization management module receives the binding verification and content authorization application output by the first server, and the user inputs verification settings and multiple permission settings in the second application. The account authorization integration module integrates multiple authorization settings into an authorization list and outputs it to the user's portable electronic device. The user can view multiple account authorization details and multiple account contents corresponding to multiple permission settings in the first application, and can view multiple account authorization details corresponding to multiple permission settings in the second application.

In one embodiment of the present invention, the above-mentioned binding verification further includes the user opening a second application at any one of a plurality of interactive information service stations and a plurality of financial institution branches corresponding to the financial institution to complete Binding verification.

In an embodiment of the present invention, the above-mentioned binding verification includes inputting a password and biometric features. The password can be a default password or a dynamic password, and the biometric features can include fingerprints, palmprints, vein distribution, iris, retina, Facial features, voiceprint or signature recognition.

In an embodiment of the present invention, the above content authorization application includes a time limit Suspension, term termination, term extension, term automatic adjustment conditions, project addition, project deletion and project automatic adjustment conditions.

In one embodiment of the present invention, when the account management module identifies that at least two or more account information correspond to the same financial institution, the content authorization application further includes modifying the associated account number.

In one embodiment of the present invention, when the user does not view multiple account contents corresponding to the financial institution through the first application program for thirty consecutive days, the automatic maturity adjustment condition is preset to suspend the execution period.

In one embodiment of the present invention, when the user does not view multiple account contents corresponding to the financial institution through the first application for ninety consecutive days, the automatic period adjustment condition is preset to terminate the execution period.

In an embodiment of the present invention, when the user uses the first application to view multiple account contents corresponding to the financial institution more than seven times per month during the authorization period, the automatic period adjustment condition is preset to execute the period extension. extension.

In an embodiment of the present invention, when the user searches for unauthorized items corresponding to multiple account contents of the financial institution by the first application more than three times per month during the authorization period, the item automatic adjustment condition is preset to execute the unauthorized items corresponding to the contents of multiple accounts of the financial institution. Items for authorized items are added.

In one embodiment of the present invention, when the user does not view the authorization items corresponding to the multiple account contents of the financial institution through the first application for ninety consecutive days, the item automatic adjustment condition is preset to execute the item for the authorization item. delete.

In an embodiment of the present invention, the above-mentioned user can further The program inputs multiple active permission changes corresponding to multiple permission settings.

In one embodiment of the present invention, the above-mentioned multiple active permission changes include term suspension, term termination, term extension, term automatic adjustment conditions, project addition, project deletion, project automatic adjustment conditions, and modification of associated accounts.

In one embodiment of the present invention, when the user does not view multiple account contents corresponding to the financial institution through the first application program for thirty consecutive days, the automatic maturity adjustment condition is preset to suspend the execution period.

In one embodiment of the present invention, when the user does not view multiple account contents corresponding to the financial institution through the first application for ninety consecutive days, the automatic period adjustment condition is preset to terminate the execution period.

In an embodiment of the present invention, when the user uses the first application to view multiple account contents corresponding to the financial institution more than seven times per month during the authorization period, the automatic period adjustment condition is preset to execute the period extension. extension.

In an embodiment of the present invention, when the user searches for unauthorized items corresponding to multiple account contents of the financial institution by the first application more than three times per month during the authorization period, the item automatic adjustment condition is preset to execute the unauthorized items corresponding to the contents of multiple accounts of the financial institution. Items for authorized items are added.

In one embodiment of the present invention, when the user does not view the authorization items corresponding to the multiple account contents of the financial institution through the first application for ninety consecutive days, the item automatic adjustment condition is preset to execute the item for the authorization item. delete.

In an embodiment of the present invention, the above-mentioned authorization list includes financial institutions, account numbers and authorization status.

In an embodiment of the present invention, the above-mentioned multiple account authorization details include financial institutions, account numbers, authorization status, authorization period start and end dates, period automatic adjustment conditions, authorized item list and item automatic adjustment conditions.

In an embodiment of the present invention, the above-mentioned multiple account contents may include financial institutions, New Taiwan dollar demand deposit balances, New Taiwan dollar time deposit balances, foreign currency demand deposit balances, foreign currency time deposit balances, gold passbook details, domestic stock holdings Details, domestic fund holding details, domestic bond holding details, overseas stock holding details, overseas fund holding details, overseas bond holding details, policy holding details, credit loan details, mortgage loan details, credit card outstanding balances , account transaction details, credit card transaction details, credit card remaining balance, current statement and historical statement.

Based on the above, the account authorization management system of the present invention allows customers to bind accounts and perform related authorization operations through identity verification of connected financial institutions on the third-party service provider's platform. The customer can then use the third-party service provider's platform to Inquire about their personal financial information at financial institutions. Customers can authorize personal financial information from a single financial institution to multiple third-party service providers, or authorize personal financial information from multiple financial institutions to one or more third-party service providers. After the customer completes the authorization, he or she can check the authorization status at the corresponding financial institution at any time, and can also manage the authorization status. Therefore, the account authorization management system of the present invention allows customers to view their various assets and consumption details in different financial institutions on the third-party service provider's platform, and only needs to use a single application.

100:Account authorization management system

110: Processor

120:Signal transceiver

130:First server

131:Account management module

132:Account authorization binding module

133:Account content acquisition module

140:Second server

141:Account authorization management module

142:Account authorization integration module

150: Portable electronic devices

FIG. 1 is a schematic diagram of an account authorization management system according to an embodiment of the present invention.

FIG. 1 is a schematic diagram of an account authorization management system according to an embodiment of the present invention.

Referring to FIG. 1 , the account authorization management system 100 includes a processor 110 and a signal transceiver 120 coupled to the processor 110 , a first server 130 and a second server 140 .

In this embodiment, the processor 110 is, for example, a central processing unit (CPU), or other programmable general-purpose or special-purpose micro control unit (MCU), microprocessor ( microprocessor), digital signal processor (DSP), programmable controller, application specific integrated circuit (ASIC), graphics processing unit (GPU), image signal processor (image signal processor, ISP), image processing unit (IPU), arithmetic logic unit (ALU), complex programmable logic device (CPLD), field programmable logic gate Array (field programmable gate array, FPGA) or other similar components or a combination of the above components.

In this embodiment, the signal transceiver 120 transmits information in a wireless or wired manner. Send and receive signals. The signal transceiver 120 may also perform operations such as low noise amplification, impedance matching, mixing, up or down frequency conversion, filtering, amplification, and similar operations.

In this embodiment, the first server 130 includes an account management module 131 , an account authorization binding module 132 and an account content acquisition module 133 . The account management module 131 allows the user to input multiple account personal information in the first application. Multiple account personal information includes financial institution, account number and account name respectively. The account authorization binding module 132 connects the signal to the financial institution and performs binding verification based on the account number and account name. The account content acquisition module 133 connects the signal to the financial institution, and the user executes the content authorization application.

In this embodiment, the second server 140 includes an account authorization management module 141 and an account authorization integration module 142 . The account authorization management module 141 receives the binding verification and content authorization application output by the first server 130, and the user inputs verification settings and multiple permission settings in the second application. The account authorization integration module 142 integrates multiple authorization settings into an authorization list and outputs it to the user's portable electronic device 150 .

In this embodiment, the user can view multiple account authorization details and multiple account contents corresponding to multiple permission settings in the first application, and can view multiple account authorization details corresponding to multiple permission settings in the second application. Account authorization details.

In this embodiment, the first application is a platform provided by a third-party service provider, and the second application is a platform provided by a financial institution account. In other embodiments, third-party service providers and financial institutions can also provide Considering the security of the account, the web page or computer software corresponding to the specific website address is selected as the platform for providing services. The present invention is not limited to this.

In this embodiment, either the first application or the second application is suitable for signal connection to the user information system corresponding to the financial institution for binding verification. In other embodiments, the user can also input the relevant information of the financial institution into the first application, and within a certain period of time (for example, 48 hours), go to multiple interactive information service stations (Interactive kommunikasjon integrert offentlig service kontor, Interactive KIOSK) and any one of multiple financial institution branches corresponding to the financial institution, open the second application for binding verification.

In this embodiment, the binding verification includes a password and biometric features. The password can be a default password or a dynamic password such as a one-time password (OTP), and the biometric features can include fingerprints, palm prints, Vein distribution, iris, retina, facial features, voiceprint or signature recognition.

In this embodiment, the content authorization application includes term suspension, term termination, term extension, term automatic adjustment conditions, item addition, item deletion, and item automatic adjustment conditions. In another embodiment, when the account management module 131 identifies that at least two account information correspond to the same financial institution, the content authorization application further includes modifying the associated account.

In this embodiment, when the user does not view multiple account contents corresponding to the financial institution through the first application for thirty consecutive days, the automatic maturity adjustment condition is preset to suspend the execution period. When the user does not view multiple account contents corresponding to the financial institution through the first application for ninety consecutive days, the automatic maturity adjustment condition is defaulted to be executed. Term ends. When the user uses the first application to view multiple account contents corresponding to the financial institution more than seven times per month during the authorization period, the automatic period adjustment condition is defaulted to an extension of the execution period. In other embodiments, the user can also set corresponding conditions for the automatic adjustment of the expiration date based on needs and account security. The present invention is not limited to this.

In this embodiment, when the user searches for unauthorized items corresponding to multiple account contents of the financial institution by the first application more than three times per month during the authorization period, the item automatic adjustment condition is preset to execute the unauthorized items Item added. When the user does not view the authorized items corresponding to the multiple account contents of the financial institution through the first application for ninety consecutive days, the item automatic adjustment condition is preset to perform item deletion of the authorized items. In other embodiments, the user can also set the automatic adjustment conditions for the project according to needs and account security, and the present invention is not limited thereto.

In another embodiment, the user can not only adjust the authorization items based on the content authorization application output by the account content acquisition module 133, but also input multiple active permission changes corresponding to multiple permission settings in the second application.

In this embodiment, multiple active permission changes include term suspension, term termination, term extension, term automatic adjustment conditions, project addition, project deletion, project automatic adjustment conditions, and modification of associated accounts.

In this embodiment, when the user does not view multiple account contents corresponding to the financial institution through the first application for thirty consecutive days, the automatic maturity adjustment condition is preset to execute the maturity suspension. When a user has not viewed an object from the first application for ninety consecutive days When dealing with multiple accounts at a financial institution, the automatic maturity adjustment condition is preset to expire at the end of the execution period. When the user uses the first application to view multiple account contents corresponding to the financial institution more than seven times per month during the authorization period, the automatic period adjustment condition is defaulted to an extension of the execution period. In other embodiments, the user can also set corresponding conditions for the automatic adjustment of the expiration date based on needs and account security. The present invention is not limited to this.

In this embodiment, when the user searches for unauthorized items corresponding to multiple account contents of the financial institution by the first application more than three times per month during the authorization period, the item automatic adjustment condition is preset to execute the search for unauthorized items. Item added. When the user does not view the authorized items corresponding to the multiple account contents of the financial institution through the first application for ninety consecutive days, the item automatic adjustment condition is preset to perform item deletion of the authorized items. In other embodiments, the user can also set the automatic adjustment conditions for the project according to needs and account security, and the present invention is not limited thereto.

In this embodiment, the authorization list includes financial institutions, account numbers, and authorization status. In other embodiments, the user can also add, reduce or modify the displayed content according to needs and considering sufficient content and simple interface. The present invention is not limited thereto.

In this embodiment, the multiple account authorization details include financial institution, account number, authorization status, authorization period start and end date, period automatic adjustment conditions, authorized item list, and item automatic adjustment conditions. In other embodiments, the user can also add, reduce or modify the displayed content according to needs and considering the completeness of the content. It is obviously not limited to this.

In this embodiment, multiple account contents may include financial institutions, New Taiwan dollar demand deposit balances, New Taiwan dollar time deposit balances, foreign currency demand deposit balances, foreign currency time deposit balances, gold passbook details, domestic stock holding details, domestic fund holdings There are details, domestic bond holding details, overseas stock holding details, overseas fund holding details, overseas bond holding details, policy holding details, credit loan details, mortgage loan details, credit card outstanding balances, account transaction details, Credit card transaction details, credit card remaining balance, current statement and historical statements. In other embodiments, users or financial institutions can also increase, decrease or modify the account contents that can be authorized to be displayed based on needs and account security. The present invention is not limited thereto.

In summary, the account authorization management system proposed by the present invention allows customers to bind accounts and perform related authorization operations through identity verification of financial institutions on the third-party service provider's platform. The customer can then use the third-party service provider The provider's platform queries their personal financial information at financial institutions. Customers can authorize personal financial information from a single financial institution to multiple third-party service providers, or authorize personal financial information from multiple financial institutions to one or more third-party service providers. After the customer completes the authorization, he or she can check the authorization status at the corresponding financial institution at any time, and can also manage the authorization status. Therefore, the account authorization management system of the present invention allows customers to view their various assets and consumption details in different financial institutions on the third-party service provider's platform, and only needs to use a single application.

100: Account authorization management system 110: Processor 120: Signal transceiver 130: First server 131: Account Management Module 132: Account authorization binding module 133: Account content acquisition module 140: Second server 141: Account authorization management module 142: Account Authorization Integration Module 150: Portable electronic devices

Claims (20)

An account authorization management system includes: a processor; a signal transceiver coupled to the processor; a first server coupled to the processor, the first server includes: an account management module for an The user inputs multiple account personal information in a first application, wherein the account personal information includes a financial institution, an account number and an account name respectively; an account authorization binding module is connected according to the account personal information signals to the financial institution, and perform a binding verification based on the account number and the account name; and an account content acquisition module, connect to the financial institution based on the account personal information signals, and perform a content authorization application by the user ; And a second server, coupled to the processor, the second server includes: an account authorization management module, receives the binding verification and the content authorization application output by the first server, and uses The user inputs a verification setting and multiple permission settings in a second application; and an account authorization integration module integrates the permission settings into an authorization list and outputs it to a portable electronic device of the user, wherein the The user can view multiple account authorization details and multiple account contents corresponding to the permission settings in the first application, and can view the account authorization details corresponding to the permission settings in the second application. The content authorization application includes a period of suspension, a period of termination, a period of extension, and a period of automatic adjustment conditions, wherein when the user does not view the financial institution corresponding to the financial institution by the first application within a preset period, When the user views the account contents corresponding to the financial institution with a usage frequency greater than the preset number of times, the automatic adjustment condition of the term is preset to execute the term termination, execute the term suspension or execute the term extension. extension. The account authorization management system as described in request item 1, wherein the binding verification further includes the user opening the third interactive information service station and any one of a plurality of financial institution branches corresponding to the financial institution. Second application to complete the binding verification. The account authorization management system as described in claim 2, wherein the binding verification includes inputting a password and a biometric feature, the password can be a default password or a dynamic password, and the biometric feature can include a fingerprint , a palm print, a vein distribution, an iris, a retina, a facial feature, a voice print or a signature recognition. The account authorization management system as described in request item 1, wherein the content authorization application includes an item addition, an item deletion and an item automatic adjustment condition. For the account authorization management system described in claim 4, when the account management module identifies that at least two account information correspond to the same financial institution, the content authorization application further includes a modification of the associated account. For the account authorization management system described in request item 4, when the user does not view the account contents corresponding to the financial institution through the first application for thirty consecutive days, the automatic period adjustment condition is preset to execute the Term suspended. For the account authorization management system described in request item 4, when the user does not view the account contents corresponding to the financial institution through the first application for ninety consecutive days, the automatic period adjustment condition is preset to execute the Term ends. For the account authorization management system described in claim 4, when the user uses the first application to view the account contents corresponding to the financial institution with a usage frequency greater than seven times per month during an authorization period, the period The automatic adjustment condition is preset to execute the extension of the period. The account authorization management system as described in claim 4, when the user searches for an unauthorized item corresponding to the account contents of the financial institution by the first application more than three times per month during an authorization period, the item The automatic adjustment condition is preset to perform the addition of the item to the unauthorized item. For the account authorization management system described in request item 4, when the user does not view an authorization item corresponding to the account contents of the financial institution through the first application for ninety consecutive days, the item automatically adjusts the condition preset Set to perform item deletion for this authorized item. The account authorization management system of claim 1, wherein the user can further input multiple active permission changes corresponding to the permission settings in the second application. The account authorization management system as described in claim 11, wherein the active permission changes include adding an item, deleting an item, automatically adjusting conditions for an item, and modifying an associated account. For the account authorization management system described in claim 12, when the user does not view the account contents corresponding to the financial institution through the first application for thirty consecutive days, the automatic period adjustment condition is preset to execute the Term suspended. For the account authorization management system described in claim 12, when the user does not view the account contents corresponding to the financial institution through the first application for ninety consecutive days, the automatic period adjustment condition is preset to execute the Term ends. For the account authorization management system described in claim 12, when the user's usage frequency of viewing the account contents corresponding to the financial institution by the first application during an authorization period is greater than seven times per month, the period The automatic adjustment condition is preset to execute the extension of the period. The account authorization management system as described in claim 12, when the user searches for an unauthorized item corresponding to the account contents of the financial institution by the first application more than three times per month during an authorization period, the item The automatic adjustment condition is preset to perform the addition of the item to the unauthorized item. For the account authorization management system described in claim 12, when the user does not view an authorization item corresponding to the account contents of the financial institution through the first application for ninety consecutive days, the item automatically adjusts the condition preset Set to perform item deletion for this authorized item. The account authorization management system as claimed in claim 1, wherein the authorization list includes the financial institution, the account number and an authorization status. The account authorization management system as described in request item 1, wherein the account authorization details include the financial institution, the account number, an authorization status, an authorization period start and end date, the automatic adjustment conditions of the period, a list of authorized items and an automatic item Adjust conditions. The account authorization management system as described in request item 1, wherein the account contents may include the financial institution, a current deposit balance of one New Taiwan dollar, a time deposit balance of one New Taiwan dollar, a foreign currency current deposit balance, a foreign currency time deposit balance, and one foreign currency time deposit balance. Gold passbook details, one domestic stock holding details, one domestic fund holding details, one domestic bond holding details, one overseas stock holding details, one overseas fund holding details, one overseas bond holding details, one policy holding details Details, one credit loan details, one mortgage loan details, one credit card outstanding amount, one account transaction details, one credit card transaction details, one credit card remaining limit, one current statement and one historical statement.

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