TWM547709U - Online account opening system - Google Patents

Abstract

The present invention is an online account opening system, including: an input module, an authentication module, a memory module, an output module, and a control module coordinating the operation of the input module, the authentication module, the memory module and the output module in order to perform online account opening.

Description

Online account opening system

This creation is about online financial systems, especially an online account opening system.

At present, the opening of banks and securities is separate and independent. Customers must go to different places to fill out different materials to open an account, which costs a lot of time. Under the current system, it is necessary to fill in 13 fields of information to the bank to open an account and to provide double documents. To open a account, the broker must fill in 32 fields and also provide double documents. The account opening time also takes 1 to 2 days.

This creation is about an online account opening system that operates in a computer device. The online account opening system includes: an input module that accepts customer input basic information, document information, bank information, securities information, and a securities contract; an authentication module, Accessing the basic data and performing depositor certification or cardholder authentication on the customer to obtain authentication data; the memory module, remembering the basic data, the authentication material, the document information, the bank information, the security And the securities contract; the output module outputs the basic data, the certification data, the document data, and the bank information to the bank for review, and the basic information, the certification material, the document information, the securities And the control module outputs the operation of the input module, the authentication module, the memory module, and the output module.

An implementation of the present invention may be an online account opening system, wherein the operation of the control module to coordinate the input module, the authentication module, the memory module, and the output module includes: when the authentication module obtains the After the certification information, the customer is required to enter the document information and the bank information to the input module; after the customer inputs the document information and the bank information to the input module, the output module is required to The certification data, the document information, and the bank information are output to the bank for review; when the output module outputs the basic data, the certification data, the document information, and the bank information to the bank for review, the The customer inputs the securities information and the securities contract to the input module; and after the customer inputs the securities information and the securities contract to the input module, the output module is required to record the basic data, the certification data, and the document data The securities information and the securities contract are exported to the broker for review.

An implementation of the present invention may be an online account opening system, wherein the operation of the control module to coordinate the input module, the authentication module, the memory module, and the output module includes: when the authentication module obtains the After the certification information, the customer is required to input the document information, the bank information, the securities information and the securities contract to the input module; and when the customer inputs After the document information, the bank information, the securities information and the securities contract are given to the input module, the output module is required to output the basic data, the certification data, the document information, and the bank information to the bank for review. And outputting the basic information, the certification data, the document information, the securities information, and the securities contract to the broker for review.

An embodiment of the present invention may be an online account opening system, wherein part of the bank data is directly brought in by the certification data.

An embodiment of the present invention may be an online account opening system in which part of the bank data is directly brought in by the document data using optical character recognition (OCR).

One embodiment of the present creation may be an online account opening system in which the depositor authentication is verified using a one-time password (OTP).

An embodiment of the present invention may be an online account opening system in which the card user authentication is verified by using credit card information and an OTP.

An embodiment of the present invention may be an online account opening system, wherein the computer device is one of a smart phone, a tablet computer, a notebook computer, a desktop computer or a smart TV.

An embodiment of the present invention may be an online account opening system, wherein when the computer device is the smart phone, the tablet computer, or the notebook computer, the document data may be obtained by taking a photo or a file, and when the computer device is The document information of the desktop computer or the smart TV Can be obtained by loading the file.

The online account opening system of this creation can at least solve the problem of the time cost required to open an account. This creation uses online account opening, and customers do not need to open an account in person. Moreover, this creation utilizes the information required for the sharing of banks and securities. Customers do not need to fill in the fields repeatedly, reducing the fields to be filled in, and the documents can be shared. Moreover, the opening of this creation is faster than the traditional method and can be completed on the same day.

100‧‧‧ Online Account Opening System

101‧‧‧ input module

102‧‧‧Certificate Module

103‧‧‧Memory Module

104‧‧‧Output module

105‧‧‧Control Module

106‧‧‧ Bank

107‧‧‧ brokerage

201, 202A, 202B, 203, 204, 205, 206, 207, 208 ‧ ‧ steps

301, 302A, 302B, 303, 304, 305, 306‧ ‧ steps

1 is a block diagram of an online account opening system with an example of Embodiment 1 of the present creation.

2 is a flow chart of an online account opening system with an example of Embodiment 2 of the present creation.

3 is a flow chart of an online account opening system with an example of Embodiment 3 of the present creation.

Hereinafter, embodiments, examples, and examples of the present creation will be described with reference to the drawings. It should be noted that the details of the embodiments, examples, and examples of the present invention may be changed into different forms without departing from the overall scope of the present invention. Therefore, the present creation should not be limited only to the embodiments described below. In the embodiment and the examples, there should be a reasonable change in the scope of the present invention, and the embodiments, examples and examples of the present invention can be arbitrarily combined.

Embodiment 1

Hereinafter, Embodiment 1 of the present creation will be described in detail with reference to Fig. 1 . 1 is a block diagram of an online account opening system with an example of Embodiment 1 of the present creation. In order to avoid confusion due to excessive complexity, only the main components are shown in Fig. 1, and some of the components are not shown in Fig. 1.

As shown in FIG. 1, an example of an embodiment of the present creation may be an online account opening system 100 that operates in a computer device. As an example of an embodiment of the present creation, the online account opening system 100 includes an input module 101 that accepts customer input of basic information, document information, bank information, securities information, and securities contracts. An example of an implementation of the present invention, the online account opening system 100 further includes an authentication module 102 that accesses basic data and performs depositor authentication or cardholder authentication for the client to obtain authentication information. As an example of an embodiment of the present creation, the online account opening system 100 further includes a memory module 103 for memorizing basic materials, authentication materials, document materials, bank materials, securities materials, and securities contracts. An example of an implementation of the present invention, the online account opening system 100 further includes an output module 104, which outputs basic information, authentication materials, document data, and bank information to the bank 106 for review, and basic information, certification materials, and documents. The information, securities information, and securities deeds are exported to the brokerage firm 107 for review. As an example of an implementation of the present invention, the online account opening system 100 further includes a control module 105 that coordinates the operations of the input module 101, the authentication module 102, the memory module 103, and the output module 104. The document information may be, for example, a double document data, wherein the securities information includes, for example, credit information. Among them, the securities contract includes, for example, various commodity transaction consent forms and debit authorizations, and can be signed by the customer. In this way, the creation uses the online account opening, and the customer does not need to open the account in person. Moreover, this creation utilizes the information required for the sharing of banks and securities. Customers do not need to fill in the fields repeatedly, reducing the fields to be filled in, and the documents can be shared. Moreover, the opening of this creation is faster than the traditional method and can be completed on the same day.

An example of an implementation of the present invention may be an online account opening system 100, wherein the operation of the control module 105 to coordinate the input module 101, the authentication module 102, the memory module 103, and the output module 104 includes: After obtaining the authentication information, the group 102 is required to input the document information and the bank information to the input module 101. After the client inputs the document information and the bank information to the input module 101, the output module 104 is required to send the basic data, the authentication data, and the document data. And the bank information is output to the bank 106 for review; when the output module 104 outputs the basic data, the authentication data, the certificate information, and the bank information to the bank 106 for review, the client is required to input the securities information and the securities contract to the input module 101. After the customer inputs the securities information and the securities contract to the input module 101, the output module 104 is required to output the basic data, the certification data, the document information, the securities information and the securities contract to the brokerage 107 for review. In this way, the system of the creation can operate efficiently.

An implementation of the present invention may be an online account opening system 100, wherein the operation of the control module 105 to coordinate the input module 101, the authentication module 102, the memory module 103, and the output module 104 includes: when the authentication module 102 obtains After the certification information, the customer is required to enter the document information, silver The data, the securities information and the securities contract are input to the input module 101; and after the customer inputs the document information, the bank information, the securities information and the securities contract to the input module 101, the output module 104 is required to send the basic data, the certification data, and the document data. And the bank information is exported to the bank 106 for review, and the basic information, the certification data, the certificate information, the securities information, and the securities contract are output to the brokerage company 107 for review. In this way, the system of the creation can operate efficiently.

An example of an embodiment of the present creation may be an online account opening system 100 in which a portion of the bank data is directly brought in by the authentication material. In this way, the amount of information required by the customer can be further reduced, and the information required by the client when opening the bank account and the securities household can be reduced to 10 fields, for example.

An example of an embodiment of the present creation may be an online account opening system 100 in which a portion of the bank data is directly brought in by the document data using optical character recognition (OCR). In this way, the amount of information required by the customer can be further reduced, and the information required by the client when opening the bank account and the securities household can be reduced to 10 fields, for example.

An example of an embodiment of the present creation may be an online account opening system 100 in which depositor authentication is verified using a one-time password (OTP). In this way, it is possible to perform quick, easy and secure verification of existing depositors.

An example of an embodiment of the present creation may be an online account opening system 100 in which cardholder authentication is verified using credit card information and one-time password (OTP). In this way, it is possible to carry out fast on existing cardholders. Quick and easy verification.

An example of an embodiment of the present invention may be an online account opening system 100 in which the computer device is one of a mobile computer device such as a smart phone, a tablet computer, a notebook computer, and the like. An example of an embodiment of the present invention may be an online account opening system 100 in which the computer device is one of a stationary computer device such as a desktop computer, a smart TV, or the like. In this way, the creation can be applied to client devices that are conveniently available to various customers.

An example of an implementation of the present invention may be an online account opening system 100. When the computer device is a smart phone, a tablet computer, or a notebook computer, the document data may be obtained by taking a photo or a file, and when the computer device is a table. When a computer or smart TV is used, the document information can be obtained by loading the file. In this way, the creation can be applied to various client devices that are conveniently obtained by customers, and the customer can obtain the document information.

The parts or examples corresponding to those in the second embodiment and the third embodiment described in the first embodiment can be implemented as described in the second embodiment and the third embodiment, and will not be described again. The technical features of the first embodiment, the second embodiment, and the third embodiment can be arbitrarily combined.

Embodiment 2

Hereinafter, Embodiment 2 of the present creation will be described in detail with reference to Fig. 2 . 2 is a flow chart of an online account opening system with an example of Embodiment 2 of the present creation.

An example of an embodiment of the present creation, when the customer wants to open an online account, proceeds to step 201: the customer inputs basic information in the computer device.

Then, when the customer is a depositor, proceed to step 202A: depositor authentication. For example, use OTP for verification.

Or, when the customer is a cardholder, proceed to step 202B: cardholder authentication. For example, use OTP plus credit card data for verification.

After the certificate of the depositor or the cardholder is authenticated, step 203 is performed: the client uploads the document data, and the document information is, for example, a double document data.

Next, proceed to step 204: the customer fills in the bank information.

Next, proceed to step 205: send the bank information application to the bank for review.

Next, proceed to step 206: the customer fills in the securities information.

Next, proceed to step 207: the customer signs the securities contract.

Next, proceed to step 208: send the securities application to the broker for review.

In this way, the creation uses the online account opening, and the customer does not need to open the account in person. Moreover, this creation utilizes the information required for the sharing of banks and securities. Customers do not need to fill in the fields repeatedly, reducing the fields to be filled in, and the documents can be shared. Moreover, the opening of this creation is faster than the traditional method and can be completed on the same day.

In the second embodiment, the portions or examples corresponding to those in the first embodiment and the third embodiment will be described in the first embodiment and the third embodiment, and will not be described again. Implementation 1. The technical features of the examples of the second embodiment and the third embodiment can be arbitrarily combined.

Embodiment 3

Hereinafter, Embodiment 3 of the present creation will be described in detail with reference to FIG. 3. 3 is a flow chart of an online account opening system with an example of Embodiment 3 of the present creation.

An example of an embodiment of the present creation, when the customer wants to open an online account, proceeds to step 301: the customer inputs basic information in the computer device.

Then, when the customer is a depositor, proceed to step 302A: depositor authentication. For example, use OTP for verification.

Or, when the customer is a cardholder, proceed to step 302B: cardholder authentication. For example, use OTP plus credit card data for verification.

After the certificate of the depositor or the cardholder is authenticated, step 303 is performed: the client uploads the document information, and the document information is, for example, a double document data.

Then, proceed to step 304: the customer fills in the bank information and the securities information.

Next, proceed to step 305: the customer signs the securities contract.

Next, proceed to step 306: send the bank information application to the bank for review and send the securities application to the broker for review.

In this way, the creation uses the online account opening, and the customer does not need to open the account in person. In addition, the creation uses the information required to share the bank and securities, and the client does not need to fill in repeatedly, reducing the fields to be filled, and the document information. Can also be shared. Moreover, the opening of this creation is faster than the traditional method and can be completed on the same day.

The part or example corresponding to the first embodiment and the second embodiment in the third embodiment can be implemented as described in the first embodiment and the second embodiment, and details are not described herein again. The technical features of the first embodiment, the second embodiment, and the third embodiment can be arbitrarily combined.

100‧‧‧ Online Account Opening System

101‧‧‧ input module

102‧‧‧Certificate Module

103‧‧‧Memory Module

104‧‧‧Output module

105‧‧‧Control Module

106‧‧‧ Bank

107‧‧‧ brokerage

Claims (9)

An online account opening system is operated in a computer device. The online account opening system includes: an input module, accepting input of basic data, document data, bank information, securities information, and a securities contract; and an authentication module accessing the basic data. And performing depositor certification or cardholder authentication on the customer to obtain authentication data; the memory module, memorizing the basic data, the certification data, the document information, the bank information, the securities data, and the securities contract; the output module And outputting the basic information, the certification data, the document information, and the bank information to the bank for review, and outputting the basic information, the certification data, the document information, the securities information, and the securities contract to the broker And the control module coordinates the operation of the input module, the authentication module, the memory module, and the output module. The online account opening system of claim 1, wherein the operation of the control module to coordinate the input module, the authentication module, the memory module, and the output module comprises: when the authentication module obtains the authentication data The customer is required to enter the document information and the bank information to the input module; after the customer inputs the document information and the bank information to the input module, the output module is required to send the basic data and the certification data The document information and the bank information are output to the bank for review; when the output module copies the basic information, the certification data, and the certificate After the receipt of the information and the bank's information to the bank for review, the customer is required to enter the securities information and the securities contract to the input module; and when the customer enters the securities information and the securities contract to the input module, the request is made. The output module outputs the basic data, the certification data, the document information, the securities information, and the securities contract to the broker for review. The online account opening system of claim 1, wherein the operation of the control module to coordinate the input module, the authentication module, the memory module, and the output module comprises: when the authentication module obtains the authentication data Thereafter, the customer is required to input the document information, the bank information, the securities information and the securities contract to the input module; and when the customer inputs the document information, the bank information, the securities information and the securities contract to the input After the module, the output module is required to output the basic data, the authentication data, the document data, and the bank information to the bank for review, and the basic information, the certification data, the document information, and the securities information And the securities contract is exported to the broker for review. The online account opening system of any one of claims 1 to 3, wherein part of the information of the bank data is directly brought in by the certification data. The online account opening system of any one of clauses 1 to 3, wherein the portion of the bank data is directly carried by the document data using optical character recognition (OCR). Online account opening system as in any of items 1 to 3 of the request The depository authentication is performed using a one-time password (OTP). The online account opening system of any one of claims 1 to 3, wherein the cardholder authentication is verified by using credit card information and an one-time password (OTP). The online account opening system of any one of claims 1 to 3, wherein the computer device is one of a smart phone, a tablet computer, a notebook computer, a desktop computer or a smart TV. The online account opening system of claim 8, wherein when the computer device is the smart phone, the tablet computer, or the notebook computer, the document data can be obtained by taking a photo or a file, and when the computer device is the table When the computer or the smart TV is used, the document data can be obtained by loading the file.