TWM549921U - Review system for opening digital account online - Google Patents

Abstract

A review system for opening digital account online includes an image receiving module, a bank-side video module, and a confirmation module. The image receiving module receives a customer's one-line application material and the bank-side video module receives a video response from the customer. The confirmation module decides and records a customer's account application result according to the video response from the customer.

Description

Open a digital account review system online

This new type is related to a system for opening a digital account review. In particular, there is an online digital account review system.

With the advancement of technology, the computer industry is also increasingly developed, and all walks of life can quickly use computers and the Internet for transactions and remittances. Along with the increasing popularity of the Internet, the application for online account opening is gradually opening up in the urging of all parties.

However, if the online account opening review process is not rigorous enough, the aftereffects caused by it will not be underestimated. In particular, if the strength of customer authentication is insufficient, and the relevant specifications for the classification and use of the account are not established, once the credit crisis is caused, it will cause significant losses to the bank and society.

In addition, in maintaining financial stability and market order, and preventing possible crimes, in addition to strengthening the promotion of online account opening, banks should be able to do a good job in understanding customers, confirming customer identity and money laundering prevention, etc. Do your part to do a proper review to avoid the drawbacks.

Therefore, how can we promote online account opening, and effectively review the identity of customers, avoiding problems such as head accounts, for banks The goal of active efforts.

In view of this, the present invention discloses an online digital account review system that can effectively check the identity of a customer online to avoid the generation of a head account and increase the security of opening a digital account online.

According to an embodiment of the present invention, an online digital account review system includes an image receiving module, a bank video module, and a confirmation module. The image receiving module receives a customer's online application data, and the bank video module receives a video response from the customer. The confirmation module determines and records the customer's digital account application result based on the customer's video response.

The above-mentioned online digital account review system further includes an image recognition module and a data transmission module. The image recognition module identifies the customer's online application data, and the data transmission module identifies the customer's online. The application materials are sent back to the client's client processing device for verification and modification.

The bank-side video module further includes a video transmission device for receiving a video response from the client. The bank video module further includes a video problem generating module for generating a plurality of video problems according to the online application data of the client, wherein the video problem includes at least one basic question, at least one question, and at least one action question. The bank-side video module can also include a video response identification module that can determine whether the customer correctly answers the video question based on the customer's video response and the customer's online application data.

In an embodiment, the bank video module further includes a video reservation module for providing a client to make a reservation for a video session or to perform an instant video.

In an embodiment, the bank video module further includes a QR code generator for providing a QR code for the client to switch to a client mobile device for video response.

In an embodiment, the bank video module further includes a video device to record the video response of the client.

In an embodiment, the client processing device further includes an image transmission module, a display, an input device, and a client video module.

In summary, the online digital account review system disclosed in the present invention can be confirmed bidirectionally by the video module of the bank and the client, and can be answered by various questions and the voice and body motion of the client. Ensuring that customers are free to take the initiative to open an account application, and through image receiving and identification, assist customers to fill out the form, and help generate the required video problems, effectively confirm the customer's true identity, and thus increase the online opening The security of digital accounts ensures the stability of financial transactions.

100‧‧‧Client processing unit

110‧‧‧Image Transmission Module

120‧‧‧ display

130‧‧‧ Input device

140‧‧‧Client Video Module

200‧‧‧Client mobile device

300‧‧‧ Online digital account review system

310‧‧‧Image receiving module

320‧‧‧Image recognition module

330‧‧‧Data Transmission Module

340‧‧‧Bank-side video module

341‧‧‧Video transmission device

342‧‧‧Video Reservation Module

343‧‧‧QR code generator

344‧‧‧Video device

345‧‧‧Video problem generation module

346‧‧·Video Response Identification Module

350‧‧‧Confirmation module

The above and other objects, features, advantages and embodiments of the present disclosure will be more apparent and understood. The description of the drawings is as follows: FIG. 1 is an illustration of an online open digital account according to an embodiment of the present invention. A schematic diagram of the usage status of the review system, the client processing device, and the client mobile device.

2 is a detailed diagram of a client processing apparatus for an online open digital account review system according to an embodiment of the present invention.

FIG. 3 is a schematic diagram of an online open digital account review system according to an embodiment of the present invention.

The following is a detailed description of the embodiments, but the embodiments are not intended to limit the scope of the disclosure, and the description of the structural operation is not intended to limit the order of execution, and any components are recombined. The structure and the device with equal efficiency are all covered by the disclosure. In addition, the drawings are for illustrative purposes only and are not drawn to the original dimensions. For the sake of understanding, the same or similar elements in the following description will be denoted by the same reference numerals.

In addition, 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. . Certain terms used to describe the disclosure are discussed below or elsewhere in this specification to provide additional guidance to those skilled in the art in the description of the disclosure.

The terms “first”, “second”, etc. used in this document are not specifically intended to refer to the order or order, nor to limit the present invention, but merely to distinguish components described in the same technical terms. Or just operate.

Secondly, the terms "including", "including", "having", "containing", and the like, as used herein, are all open terms, meaning, but not limited to.

FIG. 1 is a schematic diagram showing the use state of an online open digital account review system, a client processing device, and a client mobile phone device according to an embodiment of the present invention. 2 is a detailed diagram of a client processing apparatus for an online open digital account review system according to an embodiment of the present invention. FIG. 3 is a schematic diagram of an online open digital account review system according to an embodiment of the present invention.

Referring to FIG. 1, as shown in the figure, when a customer wants to open a digital account online, first, the client processing device 100 can be used to open the digital account review system 300 via a network connection to the bank. The online digital account review system 300 includes an image receiving module 310, an image recognition module 320, a data transmission module 330, a bank video module 340, and a confirmation module 350. Further, referring to FIG. 3, the bank video module 340 further includes a video transmission device 341, a video reservation module 342, a QR code generator 343, a video device 344, a video problem generation module 345, and a video. Respond to the identification module 346.

In addition, referring to FIG. 2, the client processing apparatus 100 includes an image transmission module 110, a display 120, an input device 130, and a client video module 140.

When the client uses the client processing device 100 to connect to the online account of the bank to open the digital account review system 300 via the network, the image transmission module 110 is used to upload the online application data to the online digital account review system 300 for image reception. The module 310, wherein the online application information is, for example, a front and back image of the identity card, and a front image of another document, a health insurance card or a driver's license, and the bank video module 340 is used to receive the customer's Video response.

Receiving the online application data sent by the customer, the online digital account review system 300 uses the image recognition module 320 for identification, and then uses the data transmission module 330 to transmit the identified data back to the client processing device. 100, displayed on the display 120 in an application form of the customer, so that the customer can use the input device 130 to fill in relevant materials. In general, the above information can be checked and modified by the customer before uploading the application form. In an embodiment, the ID number can also be set to prevent rewriting to reduce the risk of the customer changing the data.

At this time, the online digital account review system 300 will ask whether video is required. When two-way video is required, the online digital account review system 300 can be used by the bank video module 340 and the client of the client processing device 100. The video module 140 performs two-way video.

However, it is not limited thereto. In order to facilitate the two-way video communication between the customer and the bank, the video reservation module 342 can also be used for reservation and execution of the two-way video, so that the customer can prepare the relevant equipment and the bank is properly arranged. The personnel conduct two-way video of the customer.

When the video reservation module 342 is used to make a reservation for two-way video, the video reservation module 342 transmits a list of available time slots to the display 120 of the client processing device 100 for the customer to check. During the predetermined time period, the customer can also use the instant video option displayed by the video reservation module 342 to perform video recording. Alternatively, when the customer fills out the application form and the video reservation module 342 also displays that there is still a time period that has not been reserved, the customer can also directly select the option of immediate video. When the client's client processing device 100 does not have the client video module 140, it can also choose to switch the phone pair immediately. For the video option, the video device on the client handset device 200 is used for two-way video. At this time, the QR code generator 343 can provide a QR code for the customer to switch to the client mobile device 200 for two-way video for video response. In an embodiment, the client handset device 200 can perform prior authentication to enhance the security of the review, but is not limited thereto.

In an embodiment, the content of the QR Code includes the client's editing, case number, type, login type, IP, final transaction time, status, etc., and is converted into an unrecognizable KEY for the customer to switch the device. Get the case number information immediately and follow up the process. In one embodiment, the QR Code can only be used a predetermined number of times and/or a predetermined time to avoid improper use of the QR Code. For example, the number of uses can be set to one time and/or the time limit of use is 10 minutes.

The bank-side video module 340 that opens the digital account review system 300 further utilizes the video problem generation module 345 to generate a plurality of video problems based on the customer's online application data. In an embodiment, the video problem includes at least one basic question, at least one spoken question, and at least one action question. The basic question can be a simple question. The client only needs to answer the relevant personal information, and the oral question needs the customer to answer by voice, so as to ensure that the customer can answer the question according to the individual's will, instead of being coerced. Action questions can ask the customer to perform specific actions to avoid image falsification, and can further observe whether the customer is under coercion.

In addition, the bank video module 340 further utilizes the video response identification module 346, which can determine whether the client correctly answers the video question requested according to the video response of the client and the online application data of the client.

In an embodiment, the bank video module 340 further includes a The video device 344 is used to record the video response of the customer and the related images and sounds of the two-way video to protect the rights of the bank and the customer.

After the above two-way video is completed, the online digital account review system 300 further utilizes the confirmation module 350 to determine and record the customer's digital account application result according to the correctness of the customer's video response. Among them, the result of the digital account application may be to join the list of refusal to open an account, complete the video confirmation, or still need to conduct other examinations, etc., for the bank to record and serve as a reference for future.

In summary, the new online digital account review system can be confirmed by the video module in both directions, and the questions are answered by the questions and the voice and body actions of the customer to ensure that the customer is freely aware. Proactively apply for account opening without any coercion, etc., and assist the client to fill out the form by means of image receiving and identification. It can also help generate the required video problems and help confirm the true identity of the customer, thus increasing the online opening. The security of digital accounts ensures the stability of financial transactions.

The present disclosure has been disclosed in the above embodiments, and is not intended to limit the disclosure. Any one of ordinary skill in the art can make various changes and refinements without departing from the spirit and scope of the disclosure. The scope of protection is subject to the definition of the scope of the patent application.

100‧‧‧Client processing unit

200‧‧‧Client mobile device

300‧‧‧ Online digital account review system

310‧‧‧Image receiving module

320‧‧‧Image recognition module

330‧‧‧Data Transmission Module

340‧‧‧Bank-side video module

350‧‧‧Confirmation module

Claims (10)

An online digital account review system comprising: an image receiving module for receiving an online application data of a customer; a bank video module for receiving a video response of the client; and a confirmation module according to the client The video response, determine and record the result of a digital account application for the customer. The online digital account review system of claim 1 further includes an image recognition module for character recognition of the online application data of the customer. The online digital account review system of claim 2 further includes a data transmission module, and the identified online application data of the customer is transmitted back to a client processing device of the client for the The customer checks and modifies. The online account number review system is opened as described in claim 3, wherein the bank video module includes a video transmission device for receiving the video response of the client. The digital video account checking system is opened as described in claim 4, wherein the bank video module further includes a video problem generating module for generating a plurality of video problems according to the online application data of the client, wherein the video messages are generated. The question includes at least one basic question, at least one question, and at least one action question. The digital account review system is opened on the line as described in claim 5, wherein the bank video module further includes a video response recognition module, and the customer is determined according to the video response of the client and the online application data of the client. Do you answer these video questions correctly? The digital account review system is opened on the line as described in claim 6. The bank video module further includes a video reservation module for providing the client to make a reservation for a video session or to perform an instant video. The digital account review system is opened on the line as described in claim 7, wherein the bank video module further includes a QR code generator for providing a QR code for the client to switch to a client mobile device for the video response. . The digital account review system is opened online as claimed in claim 8, wherein the bank video module further includes a video device to record the video response of the client. The online account number review system is as described in claim 9, wherein the client processing device comprises an image transmission module, a display, an input device, and a client video module.