TWM526724U - An authentication method and the system platform - Google Patents
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本創作係有關於金融機構進行業務交易之一種金融科技認證系統平台，特別是指一種利用一行動裝置基於網路銀行之一演算規則生成一交易認證圖形，交易認證圖形包含交易資訊及客戶身分資訊，電腦系統掃描行動裝置螢幕上之交易認證圖形，取得交易資訊及客戶身分資訊進行業務交易，實現客戶至金融機構櫃台辦理業務交易免填單、多功能櫃員機無卡辦理自行及跨行存款、提款、轉帳及列印交易明細表等相關機制。 This creation department is a financial technology certification system platform for financial institutions to conduct business transactions, in particular to use a mobile device to generate a transaction authentication graphic based on one of the online banking calculus rules. The transaction authentication graphic includes transaction information and customer identity information. The computer system scans the transaction authentication graphic on the screen of the mobile device, obtains the transaction information and the customer identity information for business transactions, realizes the customer-to-financial institution counter for business transaction free-filling, multi-function teller machine without card for self- and inter-bank deposit, withdrawal Relevant mechanisms such as transfer, printing and trading schedules.
以往民眾提領現金主要是在金融機構櫃台或是利用提款機，其中在金融機構；例如：台新銀行、國泰世華銀行，民眾辦理業務時可以口說告知櫃台人員要辦理提款、存款、匯款，由櫃台人員列印單據請民眾確認簽章後進行交易，由於金融機構營業廳為一公共開放式空間，民眾以口說辦理業務交易仍有安全上的疑慮，目前未實施於全部的金融機構；其他金融機構使用傳統方式，由民眾抽取號碼牌，填寫交易單據簽章後再由櫃台人員輸入交易代號、交易資料及認證民眾身分辦理業務交易，有時民眾未及時填單，櫃台人員必須等候民眾填寫單據才能辦理，此種方式辨識民眾身分主要是以民眾為主體。 In the past, people mainly used cash at the counters of financial institutions or used cash machines. Among them, financial institutions; for example, Taishin Bank and Cathay Pacific Bank, when people handle business, they can tell the counter staff to apply for withdrawals, deposits, Remittance, the counter staff prints the documents and asks the public to confirm the signature and then conduct the transaction. Since the financial institution business hall is a public open space, the public still has security concerns about handling business transactions, and is not implemented in all financial affairs. Institutions; other financial institutions use the traditional method, the people draw the number plate, fill in the transaction document signature, and then the counter staff enters the transaction code, transaction information and certification of the identity of the people to handle business transactions, sometimes the people do not fill in the form in time, the counter staff must Waiting for the people to fill out the documents can be handled. In this way, the identity of the people is mainly based on the people.
現行民眾利用提款機自行或跨行提領現金實為方便，民眾使用金融卡插入提款機中讀取金融卡相關資訊，輸入密碼後操作提款機的操作介面提領現金，惟民眾必須攜帶實體金融卡，若民眾有多張金融卡，對民眾而言造成攜帶上的不便及遺失的風險，另外；各金融機構之提款機操作介面亦不相同，民眾對於不熟悉的提款機操作介面，必須花費更多的時間操作，倘若又有眾多民眾排隊提款，也造成其他民眾的等候的時間，此種方式辨識民眾身分主要是以金融卡及密碼。 It is convenient for the current people to use the ATM to withdraw cash on their own or across banks. The public uses the financial card to insert the cash machine to read the financial card related information. After entering the password, the operation interface of the cash machine is used to withdraw cash, but the public must carry the cash. Entity financial card, if the public has multiple financial cards, it will cause inconvenience and loss of risk to the public. In addition, the cash machine operation interface of each financial institution is also different, and the public operates the unfamiliar cash machine. The interface must spend more time to operate. If there are many people waiting in line to withdraw funds, it will also cause other people to wait. This way of identifying people is mainly based on financial cards and passwords.
由於日常生活中，民眾常會與多家金融機構往來，且各金融機構提供之業務交易流程不盡相同，上述之方式在金融機構有大批民眾等待辦理業務時，並未改善業務交易進行的速度，且當民眾與不常往來之金融機構辦理業務交易，常須耗費較多的時間。 Because in daily life, people often interact with a number of financial institutions, and the business transaction processes provided by various financial institutions are not the same. The above-mentioned methods do not improve the speed of business transactions when a large number of people in financial institutions are waiting to handle business. And when people do business transactions with infrequent financial institutions, it often takes a lot of time.
隨著行動裝置的普及，各家金融機構均有推出網路銀行及行動網銀，提供民眾使用電腦及行動裝置進行轉帳、繳費及其他非提領現金的交易，此種使用網路銀行及行動網銀進行業務交易，其辨識民眾身分方式主要是以連線代號、身分證號、帳號及密碼等相關資料。 With the popularity of mobile devices, various financial institutions have launched online banking and mobile online banking to provide people with computers and mobile devices for transfer, payment and other non-cash-receiving transactions. For business transactions, the identification of people's identity is mainly based on connection code, identity card number, account number and password.
金管會委託銀行公會研議國外民眾以手機NCF感應提款機、手機掃描提款機QR Code、手機簡訊SMS、一次性動態密碼OTP、生物特徵等類型之提款認證方式，其主要係為辨識民眾身分進行提款機無卡提款交易的目的。 The Financial Management Association entrusted the Association of Banks to study the withdrawal methods of foreign people using mobile phone NCF induction cash dispensers, mobile phone scanning and cashing machine QR Code, mobile phone SMS SMS, one-time dynamic password OTP, biometrics, etc. Identify the identity of the people for the purpose of the card-free withdrawal transaction.
公告號M500936一行動提款平台，說明書未充分揭露說明民眾辦理跨行無卡提款的方式，由說明書內容[0029]得知：「提款認證完成後且須於行動裝置輸入提款資訊(如：扣款帳號及交易金額)再掃描提款機所顯 示的二維條碼資料一併傳送至電腦系統進行提款機的吐鈔動作」，此種無卡提款方式，利用手機公眾無線網路傳送資料至金融機構有安全上的疑慮，倘若手機網路訊號不順暢將無法順利提款，且民眾於提款認證完成後須再一次於行動裝置輸入提款資訊，未實質於提款機介面操作，會造成與排隊提款之民眾糾紛，其辨識民眾身分採用手機掃描提款機螢幕QR Code之認證方式。 Announcement No. M500936, an action withdrawal platform, the manual does not fully disclose the way for the people to handle inter-bank card-free withdrawals. It is known from the contents of the manual [0029]: "After the withdrawal verification is completed, the withdrawal information must be entered in the mobile device (eg : debit account number and transaction amount) The two-dimensional bar code data is transmitted to the computer system for the cash withdrawal operation of the cash machine. This type of card-free withdrawal method uses the public wireless network of the mobile phone to transmit information to financial institutions with security concerns. If the road signal is not smooth, it will not be able to withdraw money smoothly, and the public must enter the withdrawal information again in the mobile device after the withdrawal certification is completed. It is not in the cash machine interface operation, which will cause disputes with the people who queue the withdrawal. The identity of the public uses the mobile phone scanning cash machine screen QR Code authentication method.
台灣行動支付公司之「twallet錢包」App，利用空中傳輸(Over the air，OTA)方式，將金融卡功能內建在行動裝置中，民眾持有已內建「行動金融卡」的手機到提款機操作，選擇「手機提款」、輸入手機號碼、再依手機上之指示輸入銀行交易驗證碼、提款金額、金融卡密碼才能進行提款機提款，倘若民眾輸入錯誤，必須逐項核對再次輸入，其辨識民眾身分採用「twallet錢包」及密碼之認證方式。 Taiwan Mobile Payments' "twallet wallet" app uses the over the air (OTA) method to build the financial card function into the mobile device. The public holds the mobile phone with the built-in "action financial card" to withdraw the money. Machine operation, select "Mobile phone withdrawal", enter the mobile phone number, and then enter the bank transaction verification code, withdrawal amount, financial card password according to the instructions on the mobile phone to withdraw money from the cash withdrawal machine. If the public input is wrong, it must be checked item by item. Enter it again to identify the identity of the people using the "twallet wallet" and password authentication method.
民眾辦理金融相關業務除可至金融機構臨台辦理外，使用網路銀行及行動網銀是另一種選擇，但現行網路銀行及行動網銀只能提供非現金存款、提領現金及非實體票據業務等功能，若民眾需要存入支票及現金或提領現金只能到金融機構櫃台辦理或使用具備存款、提款等多功能之自動櫃員機，通常民眾至金融機構櫃台辦理業務時需要確認民眾身分並核對簽章，例如；提款時需核對民眾之印章或簽名式樣，若印章或簽名不符合原開戶留存之式樣，則無法提款。綜合上述金融機構提供各種業務，其中主要的問題在於金融機構在民眾洽辦業務時，如何快速及正確地執行業務交易及辨識民眾之身分並提供民眾方便且安全地辦理業務流程。 The use of online banking and mobile online banking is another option for the public to handle financial related businesses. However, current online banking and mobile online banking can only provide non-cash deposits, cash withdrawals and non-physical notes. If the public needs to deposit cheques and cash or withdraw cash, they can only go to the counter of a financial institution or use a multi-function ATM with deposits, withdrawals, etc. Usually, people need to confirm the identity of the people when they go to the counter of a financial institution. Check the signature, for example; check the signature or signature of the public when withdrawing money. If the seal or signature does not conform to the original model, you cannot withdraw the money. Incorporating the above-mentioned financial institutions to provide various businesses, the main problem is how to quickly and correctly perform business transactions and identify the people's identity and provide people with convenient and safe business processes when the people negotiate business.
基於民眾使用金融機構之網路銀行或行動銀行必須事先至 金融機構櫃台辦理申請使用網路銀行或行動銀行，且民眾使用金融機構之網路銀行或行動銀行必須輸入相關資訊及密碼才能使用網路銀行或行動銀行的服務，換言之；民眾登入並使用網路銀行或行動銀行的服務，所屬之金融機構已確認民眾的身分，且金融機構內部網路使用封閉式網路系統及各種資訊防護的措施，不會有資訊外洩或被竊取得疑慮，民眾利用網路銀行或行動銀行預先產生一交易認證圖形，電腦系統掃描此一交易認證圖形，取得交易認證圖形包含之交易資訊及客戶身分資訊，金融機構經由內部網路系統可以更快速、正確、方便、安全地辦理民眾業務的需求。 Online banking or mobile banking based on the use of financial institutions by the public must go to The counters of financial institutions apply for online banking or mobile banking, and the online banking or mobile banking of the public using financial institutions must input relevant information and passwords in order to use the services of online banking or mobile banking. In other words, people log in and use the Internet. The service of the bank or mobile banking, the financial institution to which it belongs has confirmed the identity of the people, and the financial institution's internal network uses a closed network system and various information protection measures, and there is no information leakage or theft to obtain doubts. The online banking or mobile banking pre-generates a transaction authentication graphic, and the computer system scans the transaction authentication graphic to obtain transaction information and customer identity information included in the transaction authentication graphic, and the financial institution can be faster, correct, and convenient through the internal network system. Safely handle the needs of the public business.
本創作一種金融科技認證系統平台，可以解決先前技術中存在的問題，一種金融科技認證系統平台係包含一電腦系統、一網路銀行、一行動裝置、一帳務主機及一交易認證圖形，其中電腦系統與金融機構之帳務主機連線進行業務交易；行動裝置基於網路銀行之一演算規則生成明文或密文之一交易認證圖形；交易認證圖形包含一交易資訊及一客戶身分資訊，其中交易資訊包含一交易代號(例如：存款、提款、轉帳、匯款及列印交易明細等)及其他與交易有關之資訊(例如：帳號、金額、密碼等)；客戶身分資訊係包含客戶設定之資訊(例如：出生年月日、OTP密碼、身分證號、血型等或其中的組合)或由網路銀行設定，客戶於金融機構櫃台或自動櫃員機辦理業務交易時，電腦系統掃描行動裝置螢幕上之交易認證圖形，即可辦理業務交易。 This is a financial technology certification system platform that can solve the problems in the prior art. A financial technology certification system platform includes a computer system, an online banking, a mobile device, a accounting host and a transaction authentication graphic. The computer system is connected to the accounting host of the financial institution for business transaction; the mobile device generates one of the clear text or the ciphertext transaction authentication graphic based on one of the online banking calculus rules; the transaction authentication graphic includes a transaction information and a customer identity information, wherein Transaction information includes a transaction code (such as: deposit, withdrawal, transfer, remittance and printing transaction details, etc.) and other transaction-related information (such as account number, amount, password, etc.); customer identity information includes customer settings Information (eg, date of birth, OTP password, ID number, blood type, etc.) or set by an online bank. When a customer conducts a business transaction at a financial institution counter or an ATM, the computer system scans the mobile device on the screen. The transaction authentication graphic can be used for business transactions.
於一實施例中，行動裝置基於網路銀行之一演算規則生成一交易認證圖形，交易認證圖形至少包含一交易資訊及一客戶身分資訊，其 中交易資訊至少包含一存款交易代號、一帳號、一金額；客戶身分資訊至少包含一密碼，客戶至金融機構櫃台辦理存款，櫃台人員之電腦系統掃描行動裝置螢幕上之交易認證圖形，櫃台人員再次與客戶確認身分資訊進行存款交易。 In an embodiment, the mobile device generates a transaction authentication graphic based on one of the online banking calculation rules, and the transaction authentication graphic includes at least one transaction information and a customer identity information. The transaction information includes at least one deposit transaction code, one account number, one amount; the customer identity information includes at least one password, the customer goes to the financial institution counter to process the deposit, and the counter staff's computer system scans the transaction authentication graphic on the mobile device screen, and the counter staff again Confirm the identity information with the customer to make a deposit transaction.
於一實施例中，行動裝置基於網路銀行之一演算規則生成一交易認證圖形，交易認證圖形至少包含一交易資訊及一客戶身分資訊，其中交易資訊至少包含一提款交易代號、一帳號、一金額；客戶身分資訊至少包含密碼，客戶至金融機構櫃台辦理提款，櫃台人員之電腦系統掃描行動裝置之交易認證圖形，再次與客戶確認身分資訊進行提款交易。 In one embodiment, the mobile device generates a transaction authentication graphic based on one of the online banking calculation rules, and the transaction authentication graphic includes at least one transaction information and a customer identity information, wherein the transaction information includes at least one withdrawal transaction code, an account number, One amount; customer identity information includes at least a password, the customer goes to the financial institution counter to process the withdrawal, and the counter staff's computer system scans the transaction authentication graphic of the mobile device, and then confirms the identity information with the customer to conduct the withdrawal transaction.
於一實施例中，行動裝置基於網路銀行之一演算規則生成一交易認證圖形，交易認證圖形至少包含一交易資訊及一客戶身分資訊，其中交易資訊至少包含一存款機存款交易代號、一帳號、一金額；客戶身分資訊至少包含客戶設定之一密碼，客戶至存款機操作存款，存款機掃描行動裝置螢幕上之交易認證圖形，存款機將交易認證圖形傳送至金融機構帳務主機驗證交易資訊及客戶身分資訊，驗證成功後進行存款機存款動作。 In an embodiment, the mobile device generates a transaction authentication graphic based on one of the online banking calculation rules, and the transaction authentication graphic includes at least one transaction information and a customer identity information, wherein the transaction information includes at least one deposit machine deposit transaction code and an account number. One amount; customer identity information includes at least one password set by the customer, the customer deposits to the deposit machine, the deposit machine scans the transaction authentication graphic on the mobile device screen, and the deposit machine transmits the transaction authentication graphic to the financial institution accounting host to verify the transaction information. And the customer identity information, after the verification is successful, the deposit machine deposit action is performed.
於一實施例中，行動裝置基於網路銀行之一演算規則生成一交易認證圖形，交易認證圖形至少包含一交易資訊及一客戶身分資訊，其中交易資訊至少包含一提款機提款交易代號、一帳號、一金額、一密碼；客戶身分資訊至少包含客戶設定之一密碼，客戶至提款機操作提款，由提款機掃描行動裝置之交易認證圖形並由客戶於提款機再次輸入客戶身分資訊，提款機將交易認證圖形及客戶再次輸入之客戶身分資訊傳送至金融機構帳務主機驗證交易資訊、客戶身分資訊及客戶再次輸入之客戶身分資 訊，驗證成功後進行提款機吐鈔動作。 In an embodiment, the mobile device generates a transaction authentication graphic based on one of the online banking calculation rules, and the transaction authentication graphic includes at least one transaction information and a customer identity information, wherein the transaction information includes at least one cash withdrawal transaction code, An account number, an amount, and a password; the customer identity information includes at least one of the customer-set passwords, the customer moves to the cash machine to operate the withdrawal, and the cash machine scans the transaction authentication graphic of the mobile device and the customer enters the customer again at the cash machine. In the identity information, the cash machine transmits the transaction authentication graphic and the customer identity information re-entered by the customer to the financial institution's accounting host to verify the transaction information, the customer identity information and the customer identity input by the customer again. After the verification is successful, the cash dispenser will perform the dispensing process.
於一實施例中，行動裝置基於網路銀行之一演算規則生成一交易認證圖形，交易認證圖形至少包含一交易資訊及一客戶身分資訊，其中交易資訊至少包含一提款機轉帳交易代號、一轉出帳號、一轉入帳號、一金額、一密碼；客戶身分資訊至少包含客戶設定之一密碼，客戶至提款機操作轉帳交易，由提款機掃描行動裝置螢幕上之交易認證圖形並由客戶於提款機再次輸入客戶身分資訊，提款機將交易認證圖形及客戶再次輸入之客戶身分資訊傳送至金融機構帳務主機驗證交易資訊、客戶身分資訊及客戶再次輸入之客戶身分資訊，驗證成功後進行提款機轉帳交易。 In an embodiment, the mobile device generates a transaction authentication graphic based on one of the online banking calculation rules, and the transaction authentication graphic includes at least one transaction information and a customer identity information, wherein the transaction information includes at least one cash transfer transaction code and one Transfer account, transfer account, one amount, one password; customer identity information at least one of the customer settings password, the customer to the cash machine operation transfer transaction, the cash machine scans the transaction authentication graphic on the mobile device screen and The customer re-enters the customer identity information at the cash machine, and the cash machine transmits the transaction authentication graphic and the customer identity information re-entered by the customer to the financial institution accounting host to verify the transaction information, the customer identity information and the customer identity information re-entered by the customer, verifying After the successful transfer, the cash machine transfer transaction.
於一實施例中，行動裝置基於網路銀行之一演算規則生成一交易認證圖形，交易認證圖形至少包含一交易資訊及一客戶身分資訊，其中交易資訊至少包含一列印明細表交易代號、一帳號；客戶身分資訊至少包含一密碼，客戶至自動櫃員機操作列印明細表交易，由自動櫃員機掃描行動裝置螢幕上之交易認證圖形，自動櫃員機將交易認證圖形傳送至金融機構帳務主機驗證交易資訊及客戶身分資訊，驗證成功後進行自動櫃員機列印明細表交易。 In an embodiment, the mobile device generates a transaction authentication graphic based on one of the online banking calculation rules, and the transaction authentication graphic includes at least one transaction information and a customer identity information, wherein the transaction information includes at least one list of the detailed transaction code and an account number. The customer identity information includes at least one password, the customer to the ATM operates to print the schedule transaction, the automated teller machine scans the transaction authentication graphic on the mobile device screen, and the automated teller machine transmits the transaction authentication graphic to the financial institution accounting host to verify the transaction information and Customer identity information, after the verification is successful, the ATM will print the schedule transaction.
以下技術內容說明本創作實施於民眾至非開戶金融機構(他行)電腦系統之應用。 於一實施例中，行動裝置基於行動銀行之一演算規則生成一交易認證圖形，交易認證圖形至少包含一交易資訊及一客戶身分資訊，其中交易資訊至少包含一他行存款機存款交易代號、一帳號、一金額、一密碼；客戶身分資訊至少包含客戶設定之一密碼，客戶至他行存款機操作存款，他行存 款機掃描行動裝置螢幕上之交易認證圖形，客戶再次於他行存款機輸入客戶身分資訊，他行存款機將交易認證圖形及客戶再次輸入之客戶身分資訊透過他行帳務主機，經由金資系統傳送至交易認證圖形所屬之金融機構帳務主機驗證，所屬之金融機構帳務主機驗證成功後，經由金資系統通知他行帳務主機控制他行存款機進行存款動作。 The following technical content illustrates the application of this creation to the computer system of the public to non-banking financial institutions (other banks). In one embodiment, the mobile device generates a transaction authentication graphic based on one of the action banking calculation rules, the transaction authentication graphic includes at least one transaction information and a customer identity information, wherein the transaction information includes at least one bank deposit deposit transaction code, Account number, one amount, one password; customer identity information contains at least one password set by the customer, the customer goes to the deposit machine to operate the deposit, and he saves The machine scans the transaction authentication graphic on the screen of the mobile device. The customer enters the customer identity information again on the bank deposit machine. The bank deposits the transaction authentication graphic and the customer identity information re-entered by the customer through the account management host. The system transmits to the financial institution account host verification to which the transaction authentication graphic belongs, and after the financial institution's accounting host is successfully verified, the financial account system is notified by the gold asset system to control the bank deposit machine to perform the deposit action.
於一實施例中，行動裝置基於行動銀行之一演算規則生成一交易認證圖形，交易認證圖形至少包含一交易資訊及一客戶身分資訊，其中交易資訊至少包含一他行提款機提款交易代號、一帳號、一金額及一密碼；客戶身分資訊至少包含客戶設定之一密碼，客戶至他行存款機操作提款，他行提款機掃描行動裝置螢幕上之交易認證圖形，客戶再次於他行提款機輸入客戶身分資訊，他行提款機將交易認證圖形及客戶再次輸入之客戶身分資訊透過他行帳務主機，經由金資系統傳送至交易認證圖形所屬之金融機構帳務主機驗證，所屬之金融機構帳務主機驗證成功後，經由金資系統通知他行帳務主機控制他行提款機進行吐鈔動作。 In one embodiment, the mobile device generates a transaction authentication graphic based on one of the action banking calculation rules, the transaction authentication graphic includes at least one transaction information and a customer identity information, wherein the transaction information includes at least one cash withdrawal transaction code of the other bank , an account number, an amount and a password; the customer identity information contains at least one of the customer-set passwords, the customer moves to the deposit machine to withdraw money, and the cash machine scans the transaction authentication graphic on the mobile device screen, and the customer again The cash dispenser enters the customer identity information, and the cash dispenser sends the transaction authentication graphic and the customer identity information re-entered by the customer through the account management host, and transmits it to the financial institution account host verification of the transaction authentication graphic through the gold asset system. After the verification of the accounting institution of the financial institution to which it belongs is successful, the bank accountant is notified via the gold asset system to control the banknote machine to perform the money dispensing operation.
於一實施例中，行動裝置基於行動銀行之一演算規則生成一交易認證圖形，交易認證圖形至少包含一交易資訊及一客戶身分資訊，其中交易資訊至少包含一他行提款機轉帳交易代號、一轉出帳號、一轉入帳號、一金額及一密碼；客戶身分資訊至少包含客戶設定之一密碼，客戶至他行提款機操作他行提款機轉帳，他行提款機掃描行動裝置螢幕上之交易認證圖形，客戶再次於他行提款機輸入客戶身分資訊，他行提款機將交易認證圖形及客戶再次輸入之客戶身分資訊，經由金資系統傳送至交易認證圖形所屬之金融機構帳務主機驗證，所屬之金融機構帳務主機驗證成功 後，經由金資系統通知他行帳務主機控制他行提款機進行轉帳交易。 In one embodiment, the mobile device generates a transaction authentication graphic based on one of the action banking calculation rules, the transaction authentication graphic includes at least one transaction information and a customer identity information, wherein the transaction information includes at least one bank transfer transaction code, One transfer account, one transfer account, one amount and one password; the customer identity information includes at least one of the customer-set passwords, the customer goes to the cash machine to operate his cash machine transfer, and his cash machine scans the mobile device. On the screen, the transaction authentication graphic, the customer once again enters the customer identity information at the cash machine, and the cash machine transmits the transaction authentication graphic and the customer identity information re-entered by the customer to the financial institution of the transaction authentication graphic via the gold asset system. Institutional accounting host verification, the financial institution's accounting host authentication succeeded After that, through the gold asset system, he informs the account master to control his bank to transfer the transaction.
於一實施例中，行動裝置基於網路銀行之一演算規則生成一交易認證圖形，交易認證圖形至少包含一交易資訊及一客戶身分資訊，其中交易資訊至少包含一他行自動櫃員機列印明細表交易代號及一帳號，客戶身分資訊至少包含客戶設定之一密碼，客戶至他行自動櫃員機操作列印明細表，他行自動櫃員機掃描行動裝置螢幕上之交易認證圖形，客戶再次於他行自動櫃員機輸入客戶身分資訊，他行自動櫃員機將交易認證圖形及客戶再次輸入之客戶身分資訊，經由金資系統傳送至交易認證圖形所屬之金融機構帳務主機驗證，所屬之金融機構帳務主機驗證成功後，經由金資系統通知他行帳務主機控制他行自動櫃員列印交易明細表。 In one embodiment, the mobile device generates a transaction authentication graphic based on one of the online banking calculus rules, the transaction authentication graphic includes at least one transaction information and a customer identity information, wherein the transaction information includes at least one of the other automated printer printing schedules. The transaction code and an account number, the customer identity information contains at least one of the customer-set passwords, the customer goes to the other ATM machine to print the detailed list, and the automatic teller machine scans the transaction authentication graphic on the mobile device screen, and the customer again performs the automatic teller machine on his mobile phone. Entering the customer identity information, the automated teller machine will transmit the transaction authentication graphic and the customer identity information re-entered by the customer to the financial institution account host verification of the transaction authentication graphic via the gold asset system, and the financial institution's account host verification succeeds. Through the gold system to inform him that the account host controls his bank's automatic teller to print the transaction schedule.
綜合上述實施例說明，本創作之技術內容與先前技術相比具有明顯的優點及有益效果。具體而言，本創作實現了金融機構快速認證交易資訊及客戶身分別資訊，實現了一種客戶至金融機構櫃台免填單據辦理金融業務、避免以口說方式辦理金融業務被有惡意之第三者知悉，本創作之技術內容另實施於多功能之自動櫃員機，實現另一種自動櫃員機辦理無卡提款、存款、轉帳及列印交易明細表或他行自動櫃員機提款、存款、轉帳及列印交易明細表的機制，十分簡單易用。 In summary of the above embodiments, the technical content of the present invention has obvious advantages and advantageous effects compared with the prior art. Specifically, this creation realizes the financial institution's fast certification transaction information and the customer's body information, and realizes a customer-to-financial institution's counter-free way to handle financial business, and avoids the third party who is malicious in handling financial business by mouth. It is known that the technical content of this creation is implemented in a multi-functional ATM, enabling another ATM to handle cardless withdrawal, deposit, transfer and printing transaction schedules or other ATM withdrawals, deposits, transfers and printing. The mechanism for trading schedules is very simple and easy to use.
1‧‧‧金融科技認證系統平台 1‧‧‧Financial Technology Certification System Platform
10‧‧‧電腦系統 10‧‧‧ computer system
20‧‧‧行動裝置 20‧‧‧ mobile devices
30‧‧‧交易認證圖形 30‧‧‧Transaction certification graphics
40‧‧‧網路銀行 40‧‧‧Internet Banking
50‧‧‧帳務主機 50‧‧‧Accounting Host
210‧‧‧交易資訊 210‧‧‧Transaction Information
220‧‧‧客戶身分資訊 220‧‧‧Customer Identity Information
510‧‧‧他行帳務主機 510‧‧‧He led the account host
520‧‧‧金資系統 520‧‧‧Golding System
530‧‧‧自行帳務主機 530‧‧‧Self account host
第1圖為本新型用於客戶至金融機構櫃台辦理自行業務交易之一種金融科技認證系統平台實施例。 The first figure is an example of a new financial technology certification system platform for customer-to-financial institution counters to handle self-service transactions.
第2圖為本新型用於客戶至自行提款機辦理無卡提款業務交易之一種金融科技認證系統平台實施例。 The second figure is an example of a new financial technology certification system platform for the customer to the cash dispenser to handle cardless withdrawal business transactions.
第3圖為本新型用於客戶至他行提款機辦理無卡提款業務交易之一種金融科技認證系統平台實施例。 The third figure is an example of a new financial technology certification system platform for the customer to the cash dispenser to handle the card free withdrawal business transaction.
下文係舉實施例配合圖式作詳細說明，眾所週知的元件與步驟並未描述於實施例中，實施例並非用以限制本新型所涵蓋的範圍，而結構運作之描述非用以限制其執行之順序，任何由元件重新組合之結構，所產生具有均等功效的裝置，皆為本新型所涵蓋的範圍，圖式中相同之號碼代表相同或相似之元件。 The following is a detailed description of the embodiments, which are not described in the embodiments. The embodiments are not intended to limit the scope of the present invention, and the description of the structural operation is not intended to limit its implementation. The order, any device that is recombined by the components, produces equal-efficiency devices, and the same numbers in the drawings represent the same or similar components.
在全篇說明書與申請專利範圍所使用之用詞(terms)，除有特別註明外，通常具有每個用詞使用在此領域中、在此揭露之內容中與特殊內容中的平常意義，除非內文中對於冠詞有所特別限定，否則『一』與『該』可泛指單一個或多個。 The terms used in the entire specification and the scope of the patent application, unless otherwise specified, usually have the usual meaning of each word used in the field, in the content disclosed herein and in the special content, unless There are special restrictions on articles in the text, otherwise "one" and "this" can refer to one or more.
名詞註釋：「跨行」、「他行」指非開戶之金融機構；「自行」指開戶之金融機構，全篇說明書中之電腦系統未冠以「他行」者，均表示客戶於開戶金融機構之電腦系統辦理業務交易。 Nouns: "Inter-banking" and "other business" refer to non-opening financial institutions; "self-referential" refers to financial institutions that open accounts, and the computer systems in the entire manual are not labeled as "others", which means that customers are opening financial institutions. The computer system handles business transactions.
本揭示內容之技術態樣是提供一種用於金融機構新型的金 融科技認證系統平台，客戶利用行動裝置登入金融機構之網路銀行，網路銀行提供客戶欲辦理之金融業務及設定客戶身分認證之功能，由客戶操作後生成一交易認證圖形，客戶至金融機構櫃台辦理業務交易，櫃台人員經由電腦系統掃描行動裝置螢幕上之交易認證圖形，電腦系統將交易認證圖形傳送至帳務主機驗證，取得交易資訊及客戶身分認證資訊，櫃台人員再次與客戶確認身分資訊即可辦理業務交易，實現一種客戶免填單且櫃台人員免鍵入業務交易相關資料，相較於口說辦理業務交易更便捷、更安全的進行交易，本揭示內容之技術態樣實施於客戶至金融機構之自動化服務區，自動櫃員機掃描客戶行動裝置螢幕上之交易認證圖形並由客戶於自動櫃員機操作介面再次輸入客戶身分資訊，實現自動櫃員機無卡提款、存款、轉帳及列印交易明細表的機制。 The technical aspect of the present disclosure is to provide a new type of gold for financial institutions. The technology certification system platform, the customer uses the mobile device to log in to the online banking of the financial institution. The online banking provides the financial business to be processed by the customer and the function of setting the customer identity certification. After the customer operates, a transaction authentication graphic is generated, and the customer goes to the financial institution. The counter handles the business transaction. The counter staff scans the transaction authentication graphic on the mobile device screen through the computer system. The computer system transmits the transaction authentication graphic to the account host verification, obtains the transaction information and the customer identity authentication information, and the counter staff confirms the identity information with the customer again. It is possible to handle business transactions, realize a customer-free form-filling and counter-input personnel to exchange business-related information, and conduct transactions more conveniently and safely than oral business transactions. The technical aspects of this disclosure are implemented by customers. The automated service area of the financial institution, the automatic teller machine scans the transaction authentication graphic on the screen of the customer mobile device and re-enters the customer identity information in the operator interface of the ATM to realize the cardless withdrawal, deposit, transfer and printing transaction schedule of the ATM. Mechanisms
請參照第1圖。第1圖為本新型一實施例中，一種金融科技認證系統平台1實施於客戶至金融機構櫃台辦理自行業務交易組成示意圖，包含一電腦系統10、一網路銀行40、一帳務主機50、一行動裝置20及一交易認證圖形30；其中電腦系統10與帳務主機50連線進行業務交易，行動裝置20登入網路銀行40操作一功能生成一交易認證圖形30；交易認證圖形30包含交易資訊210及客戶身分資訊220，電腦系統10掃描行動裝置20螢幕上之交易認證圖形30，電腦系統10將交易認證圖形30傳送至帳務主機50，帳務主機50驗證交易認證圖形30之交易資訊210及客戶身分資訊220，驗證成功後帳務主機50控制電腦系統10進行業務交易。 Please refer to Figure 1. 1 is a schematic diagram of a financial technology certification system platform 1 implemented in a client-to-financial institution counter for self-service transactions, including a computer system 10, an online bank 40, and a accounting host 50. A mobile device 20 and a transaction authentication graphic 30; wherein the computer system 10 is connected to the accounting host 50 for business transactions, and the mobile device 20 is logged into the online banking 40 to operate a function to generate a transaction authentication graphic 30; the transaction authentication graphic 30 includes a transaction. The information 210 and the customer identity information 220, the computer system 10 scans the transaction authentication graphic 30 on the screen of the mobile device 20, the computer system 10 transmits the transaction authentication graphic 30 to the accounting host 50, and the accounting host 50 verifies the transaction information of the transaction authentication graphic 30. 210 and customer identity information 220. After successful verification, the accounting host 50 controls the computer system 10 to conduct business transactions.
請參照第2圖。第2圖為本新型一實施例中，一種金融科技認 證系統平台1實施於客戶於自行提款機辦理無卡提款交易組成示意圖，包含一提款機10、一網路銀行40、一帳務主機50、一行動裝置20及一交易認證圖形30；其中提款機10與帳務主機50連線進行業務交易，行動裝置20登入網路銀行40操作一功能生成一提款交易認證圖形30；交易認證圖形30包含交易資訊210及客戶身分資訊220，提款機10掃描行動裝置20螢幕上之交易認證圖形30，客戶再次於提款機10輸入客戶身分資訊220，提款機10將交易認證圖形30及客戶再次輸入之客戶身分資訊220傳送至帳務主機50，帳務主機50驗證交易認證圖形30之交易資訊210、客戶身分資訊220及客戶再次輸入之客戶身分資訊220，驗證成功後帳務主機50控制提款機10進行吐鈔動作。 Please refer to Figure 2. Figure 2 is a financial technology recognition in an embodiment of the present invention. The license system platform 1 is implemented in a form of a card-free withdrawal transaction processed by a customer at a cash dispenser, and includes a cash dispenser 10, an online bank 40, a billing host 50, a mobile device 20, and a transaction authentication graphic 30. The cash machine 10 is connected to the account host 50 for business transactions, and the mobile device 20 logs into the online bank 40 to operate a function to generate a withdrawal transaction authentication graphic 30. The transaction authentication graphic 30 includes transaction information 210 and customer identity information 220. The cash machine 10 scans the transaction authentication graphic 30 on the screen of the mobile device 20, and the customer enters the customer identity information 220 again at the cash dispenser 10, and the cash dispenser 10 transmits the transaction authentication graphic 30 and the customer identity information 220 re-entered by the customer to The account host 50, the account host 50 verifies the transaction information 210 of the transaction authentication graphic 30, the customer identity information 220, and the customer identity information 220 that the customer re-enters. After the verification is successful, the account host 50 controls the cash dispenser 10 to perform the dispensing operation.
請參照第3圖。第3圖為本新型一實施例中，一種金融科技認證系統平台1實施於客戶於他行提款機辦理無卡跨行提款交易組成示意圖，包含一他行提款機10、一網路銀行40、一行動裝置20、一交易認證圖形30及一帳務主機50；其中帳務主機50包含一他行帳務主機510、一金資系統520、一自行帳務主機530；他行提款機10與他行帳務主機510連線進行業務交易，行動裝置20登入開戶金融機構之網路銀行40操作一功能生成一提款交易認證圖形30；提款交易認證圖形30包含提款交易資訊210及客戶身分別資訊220，他行提款機10掃描行動裝置20螢幕上之提款交易認證圖形30，客戶再次於他行提款機輸入客戶身分資訊220，他行提款機10將提款交易認證圖形30及客戶再次輸入之客戶身分資訊220經由他行帳務主機510透過金資系統520傳送至自行帳務主機530，自行帳務主機530驗證提款交易認證圖形30之交易資訊210、客戶 身分資訊220及客戶再次輸入之客戶身分資訊220，驗證成功後自行帳務主機530則透過金資系統520通知他行帳務主機510控制他行提款機10進行吐鈔動作。 Please refer to Figure 3. FIG. 3 is a schematic diagram of a financial technology certification system platform 1 implemented by a customer at a cash dispenser for a card-free cross-bank withdrawal transaction, including a banknote machine 10 and an online bank. 40, a mobile device 20, a transaction authentication graphic 30 and a accounting host 50; wherein the accounting host 50 includes a other accounting host 510, a financial system 520, a self-service host 530; The machine 10 is connected to the account accounting host 510 for business transaction, and the mobile device 20 is logged into the online banking 40 of the account opening financial institution to operate a function to generate a withdrawal transaction authentication graphic 30; the withdrawal transaction authentication graphic 30 includes the withdrawal transaction information. 210 and the customer body information 220, the banknote machine 10 scans the withdrawal transaction authentication graphic 30 on the screen of the mobile device 20, and the customer enters the customer identity information 220 again at the banknote machine, and the banknote machine 10 will mention The transaction authentication graphic 30 and the customer identity information 220 re-entered by the customer are transmitted to the self-accounting host 530 via the money accounting system 510 via the bank account host 510, and the self-accounting host 530 verifies the payment transaction authentication graphic 30. News 210, customers The identity information 220 and the customer identity information 220 input by the customer again, after the verification is successful, the self-accounting host 530 notifies the bank account host 510 through the money management system 520 to control the banknote dispensing machine 10 to perform the money dispensing operation.
1‧‧‧一種金融科技認證系統平台 1‧‧‧A financial technology certification system platform
10‧‧‧電腦系統 10‧‧‧ computer system
20‧‧‧行動裝置 20‧‧‧ mobile devices
30‧‧‧交易認證圖形 30‧‧‧Transaction certification graphics
40‧‧‧網路銀行 40‧‧‧Internet Banking
50‧‧‧帳務主機 50‧‧‧Accounting Host
210‧‧‧交易資訊 210‧‧‧Transaction Information
220‧‧‧客戶身分資訊 220‧‧‧Customer Identity Information
Claims (10)
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| TW104219632U TWM526724U (en) | 2015-12-07 | 2015-12-07 | An authentication method and the system platform |
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| TW104219632U TWM526724U (en) | 2015-12-07 | 2015-12-07 | An authentication method and the system platform |
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| Publication Number | Publication Date |
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| TWM526724U true TWM526724U (en) | 2016-08-01 |
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| TW104219632U TWM526724U (en) | 2015-12-07 | 2015-12-07 | An authentication method and the system platform |
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| TW (1) | TWM526724U (en) |
Cited By (10)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| TWI642007B (en) * | 2017-07-27 | 2018-11-21 | 財金資訊股份有限公司 | 2D barcode scanning code transfer system |
| TWI662498B (en) * | 2017-10-17 | 2019-06-11 | 中國信託商業銀行股份有限公司 | Agency method and system for financial affairs |
| TWI669670B (en) * | 2017-09-14 | 2019-08-21 | 臺灣土地銀行股份有限公司 | Electronic trading system |
| TWI673662B (en) * | 2017-03-27 | 2019-10-01 | 兆豐國際商業銀行股份有限公司 | Cardless withdrawal system and cardless withdrawal method |
| TWI685769B (en) * | 2019-02-22 | 2020-02-21 | 華南商業銀行股份有限公司 | Executing method for supplying financial service via network |
| TWI691921B (en) * | 2019-02-22 | 2020-04-21 | 華南商業銀行股份有限公司 | Online bank system and executing method for supplying financial service with identity verification function via network |
| TWI691863B (en) * | 2019-02-22 | 2020-04-21 | 華南商業銀行股份有限公司 | Conversational online bank system and executing method for supplying safety financial service |
| TWI707282B (en) * | 2019-02-22 | 2020-10-11 | 華南商業銀行股份有限公司 | Online bank system and executing method for supplying financial service with verification function via network |
| TWI711975B (en) * | 2017-03-29 | 2020-12-01 | 楊建綱 | Multi-dimensional barcode mobile identity authentication method and authentication server mechanism |
| TWI791909B (en) * | 2019-10-16 | 2023-02-11 | 臺灣新光商業銀行股份有限公司 | Business process system, method, and its computer program product |
-
2015
- 2015-12-07 TW TW104219632U patent/TWM526724U/en not_active IP Right Cessation
Cited By (10)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| TWI673662B (en) * | 2017-03-27 | 2019-10-01 | 兆豐國際商業銀行股份有限公司 | Cardless withdrawal system and cardless withdrawal method |
| TWI711975B (en) * | 2017-03-29 | 2020-12-01 | 楊建綱 | Multi-dimensional barcode mobile identity authentication method and authentication server mechanism |
| TWI642007B (en) * | 2017-07-27 | 2018-11-21 | 財金資訊股份有限公司 | 2D barcode scanning code transfer system |
| TWI669670B (en) * | 2017-09-14 | 2019-08-21 | 臺灣土地銀行股份有限公司 | Electronic trading system |
| TWI662498B (en) * | 2017-10-17 | 2019-06-11 | 中國信託商業銀行股份有限公司 | Agency method and system for financial affairs |
| TWI685769B (en) * | 2019-02-22 | 2020-02-21 | 華南商業銀行股份有限公司 | Executing method for supplying financial service via network |
| TWI691921B (en) * | 2019-02-22 | 2020-04-21 | 華南商業銀行股份有限公司 | Online bank system and executing method for supplying financial service with identity verification function via network |
| TWI691863B (en) * | 2019-02-22 | 2020-04-21 | 華南商業銀行股份有限公司 | Conversational online bank system and executing method for supplying safety financial service |
| TWI707282B (en) * | 2019-02-22 | 2020-10-11 | 華南商業銀行股份有限公司 | Online bank system and executing method for supplying financial service with verification function via network |
| TWI791909B (en) * | 2019-10-16 | 2023-02-11 | 臺灣新光商業銀行股份有限公司 | Business process system, method, and its computer program product |
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