TWM565835U - Transaction management system with digital barcode and electronic verification mechanism - Google Patents

Abstract

A management device of a transaction management system includes a communication unit and a processing unit. The processing unit receives a form image via the communication unit, the form image includes a plaintext material and a pair of barcodes corresponding to the plaintext data, the plaintext data indicates a financial transaction request in a readable text, and the plaintext data includes a pending Verifying the content, the digital barcode contains a target material related to the content to be verified. The processing unit interprets the digital barcode to obtain the target data, and determines whether the content to be verified conforms to the target data. When the processing unit determines that the content to be verified conforms to the target data, the processing unit responds to the request for financial transaction. A target financial transaction that corresponds to a financial transaction request.

Description

Transaction management system with digital barcode and electronic verification mechanism

The present invention relates to a transaction management system, and more particularly to a transaction management system for a banking unit.

In recent years, electronic transactions based on the Internet have become more convenient in terms of time and place, and gradually replaced the traditional counter transactions. However, while electronic transactions are becoming more and more popular, they also face information security concerns. For example, people who are interested may use the security loopholes to steal or tamper with the relevant information at the time of execution of electronic transactions, and seriously harm the rights of parties involved in electronic transactions. . Therefore, how to balance the convenience and security of electronic transactions has become a topic to be further explored in this case.

Therefore, the purpose of the present invention is to provide a transaction management system that can achieve both convenience and security.

Thus, the novel transaction management system includes a management device. The management device includes a communication unit and a processing unit electrically connected to the communication unit. The processing unit receives a form image via the communication unit, the form image includes a plaintext material and a pair of barcodes corresponding to the plaintext data, the plaintext data indicates a financial transaction request in a readable text, and the plaintext data includes a pending Verifying the content, the digital barcode contains a target material related to the content to be verified. The processing unit interprets the digital barcode to obtain the target data, and determines whether the content to be verified conforms to the target data. When the processing unit determines that the content to be verified conforms to the target data, the processing unit responds to the request for financial transaction. A target financial transaction that corresponds to a financial transaction request.

In some implementations of the new transaction management system, the management device further includes a storage unit electrically connected to the processing unit and storing a plurality of customer data, the plaintext data further including a customer identification data, and the processing unit determines the After the content to be verified conforms to the target data, the target identification data corresponding to the customer identification data is selected from the customer data according to the customer identification data included in the plaintext data, and then the processing unit generates a Confirming the request, and transmitting the confirmation request to the agreed use end of the corresponding target customer data via the communication unit according to the target customer data, and the processing unit receives a received use end from the communication unit, and The target financial transaction is executed only when the confirmation notice of the request is confirmed.

In some implementations of the new transaction management system, the transaction management system further includes a remote dispatch device electrically connected to the management device, the plaintext data further including a transaction place difference, and a pair of devices that should manage the device The identification number is received by the remote dispatch device, and the remote dispatch device transmits the form image to the management device according to the transaction difference and the device identification number.

In some implementations of the new transaction management system, the storage unit further stores a to-be-edited transaction form, and when the processing unit receives a form request from an application user via the communication unit, the processing unit transmits the communication via the communication unit. The unit transmits the to-be-edited transaction form to the application user through a network, so that the application user establishes the plaintext data in the to-be-edited transaction form, when the processing unit receives a from the communication unit When the application completes the editing completion notification, the digital barcode is generated according to the plaintext data created in the to-be-edited transaction form, and the plaintext data and the digit are generated according to the plaintext data and the digital barcode. An electronic transaction form of the barcode, and the electronic transaction form is transmitted to the application user via the communication unit.

In some implementations of the new transaction management system, the storage unit further stores a target signature image. When the processing unit receives the form image via the communication unit, it also determines whether there is a match in the form image. The to-be-verified signature image of the target signature image is executed when the processing unit determines that the content to be verified conforms to the target data, and the signature image to be verified exists in the form image.

The utility model has the following effects: after receiving the image of the form, the management device can determine whether the content to be verified in the form image conforms to the target data included in the digital barcode, thereby preventing the interested person from being interested in the electronic The paper on the transaction form is falsified, and the convenience and security of electronic transactions can be considered at the same time.

Referring to FIG. 1, an embodiment of the present novel transaction management system 1 includes a plurality of management devices 11 (only one of which is shown in FIG. 1), and a plurality of remote dispatch devices 12 each electrically connected to the management devices 11 ( Figure 1 shows only one of them). The management devices 11 are, for example, a plurality of servers located in Taiwan, and are respectively managed by a plurality of domestic branches located in Taiwan, for example, respectively, and the remote dispatch devices 12 are respectively disposed on other ones. A plurality of countries, for example, are managed by a plurality of foreign branches of the banking unit located in the countries, but are not limited thereto. For ease of understanding, only the management device 11 and the remote component device 12 shown in FIG. 1 will be described below as an example.

The management device 11 includes a communication unit 111, a storage unit 112, and a processing unit 113 electrically connected to the communication unit 111 and the storage unit 112.

The storage unit 112 stores a plurality of customer data D1, a to-be-edited transaction form D2, and a target signature image D3.

In this embodiment, the pen customer data D1 respectively correspond to, for example, a plurality of different company line numbers. For convenience of explanation, it is defined herein that there is a target customer data D1' in the customer data D1, and the target customer data D1' corresponds to a target company line number. The target customer profile D1' contains a push broadcast number. The push sequence number corresponds to an appointment user 201 installed with a specific application, for example, managed by a user who works in the target company line number, and can be, for example, a smart phone. , a tablet, a laptop or a desktop computer, but not limited to this. In other embodiments, the target customer profile D1' may also include, for example, a plurality of push broadcast serial numbers, and the push broadcast serial numbers respectively correspond to the plurality of contract use terminals 201 managed by the target company line number, but Not limited to this. In addition, in other embodiments, each customer profile D1 may also represent, for example, a particular individual user, and is not limited to representing a company line number.

The to-be-edited transaction form D2 is, for example, an aspect of a web page, and includes a plurality of items to be set for selection or editing, and the waiting setting items include, for example, a language option, a debit account area option, a transaction type option, and a transaction. Date field, one transfer person name field, one transfer person ID field, one transfer account field, one transfer currency field, one transfer amount field, one payee name field, A paid account field, a restricted currency field, etc., but not limited to this.

The target seal image D3 is, for example, a large chapter and a small chapter of the target company line number, but is not limited thereto.

A transaction management method executed by the transaction management system 1 of the present embodiment will be described in detail below. The transaction management method includes an electronic transaction form creation process and a transaction form verification process. Referring to FIG. 1 and FIG. 2 at the same time, the following describes the process of establishing the electronic transaction form.

First, in step S21, the processing unit 113 of the management device 11 receives a form request from an application user 202 via the communication unit 111. The application use end 202 is, for example, another smart phone, tablet, notebook or desktop computer managed by the target company line number. However, the form request may also be used by the agreed use terminal 201. Issued without limitation. Next, step S22 is performed.

In step S22, the processing unit 113 transmits the to-be-edited transaction form D2 to the application user terminal 202 via the network via the communication unit 111, so that the application user terminal 202 is operated by the user to be edited. A clear text is created in the transaction form D2, and the plaintext data indicates a financial transaction request in a readable text. In this embodiment, specifically, the plaintext data includes a transaction difference, a pair of device identification numbers of the management device 11, a customer identification data, and a content to be verified, and the content to be verified includes, for example, a deduction. Account area, one transaction type, one transaction date, one transfer person name, one transfer person ID, one transfer account number, one transfer currency, one transfer amount, one payee name, one payee account, A currency, etc., but not limited to this. It is to be noted that, in this embodiment, the to-be-edited transaction form D2 is transmitted to the application using terminal 202 in the form of a webpage, and is used by the application using terminal 202 to be connected to each other through the network with the management device 11. In this case, the plaintext data is created in the to-be-edited transaction form D2, and the embodiment can provide the file to be edited to the application using the file in the .pdf or .docx format. It is inconvenient to avoid the software version of the application 202 being too old, which causes the file format to be incorrect or the content cannot be displayed correctly. Further, in the present embodiment, the difference in the transaction indicates a country, however, in other embodiments, the difference in the transaction may also be a specific administrative area indicating a country, and is not limited to the embodiment. Next, step S23 is performed.

In step S23, when the processing unit 113 receives an edit completion notification from the application user 202 via the communication unit 111, the processing unit 113 first uses the terminal 202 in the to-be-edited transaction form D2 according to the application. The created plaintext data generates a digital barcode, and according to the plaintext data and the digital barcode, an electronic transaction form including the plaintext data and the digital barcode is generated. Specifically, the digital bar code is, for example, a two-dimensional bar code, and the processing unit 113 generates the digital bar code according to the content to be verified included in the plaintext data, so that the digital bar code includes a target that matches the content to be verified. data. In other words, the processing unit 113 encodes the content to be verified displayed in readable text to produce the digital barcode that is only machine-recognizable. Next, step S24 is performed.

In step S24, the processing unit 113 transmits the electronic transaction form to the application user terminal 202 via the communication unit 111, so that the user prints the electronic transaction form as a paper and performs the target on the paper. A sign-off process for the financial transaction request within the company line number.

The above is the electronic transaction form establishment process included in the transaction management method. Next, referring to FIG. 1 and FIG. 3 at the same time, the transaction form verification process will be described below.

First, in step S31, the processing unit 113 receives a form image via the communication unit 111. Specifically, the form image is printed by the user as a paper in the electronic transaction form creation process, and the paper is signed by the target company line number, and then The fax method is transmitted to the processing unit 113, that is, the form image is a scan file of the paper of the electronic transaction form, and the plaintext data and the digital barcode corresponding to the plaintext data are included. Further, in the embodiment, the target company line number is, for example, located in Vietnam, and the form image is first received by the remote dispatch device 12 located in Vietnam, and then the remote dispatch component. The device 12 transmits the form image to the management device 11 located in Taiwan based on the transaction place difference (in the present embodiment, Taiwan as an example) and the device identification number included in the plaintext data. In this way, even if the form image needs to be transmitted from Vietnam to the management device 11 located in Taiwan, the user of the target company number only needs to set the electronic transaction form creation process. Transaction difference and the device identification number, and the form image is transmitted by domestic fax to the remote dispatch device 12 located in Vietnam, the remote dispatch device 12 can distinguish according to the transaction place The device identification number transfers the form image to the management device 11 located in Taiwan, and the user of the target company line number does not need to personally perform the international fax. Next, step S32 is performed.

In step S32, when the processing unit 113 receives the form image, it is determined whether there is a proof image to be verified that matches the target signature image D3 in the form image. The proof image to be verified exists in the image of the form, and the paper representing the electronic transaction form has passed the sign-off process inside the target company line number, and the big chapter and the small chapter of the target company line number are covered, and The processing unit 113 receives the form image, and represents the bank unit receiving the entrustment and authorization of the target company line number to execute a target financial transaction corresponding to the financial transaction request. When the processing unit 113 determines that the proof image to be verified exists in the form image, step S34 is performed. When the processing unit 113 determines that the proof image to be verified does not exist in the form image, step S33 is performed.

In step S33, the processing unit 113 generates a first verification failure notification, and controls a screen (not shown) of the management device 11 to display the first verification failure notification for reading by the bank unit.

In step S34, the processing unit 113 scans the plaintext data to obtain the content to be verified, and interprets the digital barcode to obtain the target data. Then, the processing unit 113 determines whether the content to be verified conforms to the target data. To ensure that the content to be verified has not been tampered with. In this embodiment, the processing unit 113 scans the plaintext data through an existing optical character recognition technology (Optical Character Recognition, OCR for short), and transmits the existing optical symbol recognition technology (English is Optical Mark Recognition, referred to as The OMR can be used to interpret the digital bar code, but it is not limited thereto. Since the details of the processing of the plaintext data and the interpretation of the digital bar code by the processing unit 113 are not the focus of the present invention, they are not described in this embodiment. When the processing unit 113 determines that the content to be verified conforms to the target data, step S36 is performed. When the processing unit 113 determines that the content to be verified does not conform to the target material, step S35 is performed.

In step S35, the processing unit 113 generates a second verification failure notification, and controls the screen (not shown) of the management device 11 to display the second verification failure notification.

In step S36, the processing unit 113 determines that the content to be verified conforms to the target data, and based on the customer identification data included in the plaintext data, from the customer information D1 stored in the storage unit 112, Select the target customer profile D1' corresponding to the customer identification data. Then, the processing unit 113 generates a confirmation request, and automatically transmits the confirmation request to the corresponding target customer profile D1 ′ via the communication unit 111 according to the target customer profile D1 ′. Using the terminal 201, the confirmation request includes, for example, the plaintext data, for the user who holds the appointed user 201 to perform final confirmation, thereby the bank end does not need to notify the company of the line number by calling another. user. Next, step S37 is performed.

In step S37, after the processing unit 113 transmits the confirmation request to the appointed user 201, when the processing unit 113 receives a confirmation notification from the appointed user 201 and corresponds to the confirmation request, the processing unit 113. The financial transaction should be executed at the request of the financial transaction to complete the transaction form verification process of the embodiment.

In summary, the transaction management system 1 of the present embodiment provides an application mechanism for requesting financial transactions by fax by implementing the transaction management method. In the transaction management method, the electronic transaction form is for the user of the target company line number to print it as a paper, and after completing the sign-off process, the corresponding electronic transaction form is faxed. The form image is transmitted to the management device 11 for verification. Since the form image is a format of the image, it can effectively prevent the interested person from tampering with the content of the plaintext material during the data transmission. Moreover, after receiving the form image, the management device 11 can further determine whether the content to be verified in the form image conforms to the target data included in the digital barcode, thereby preventing the interested person in this embodiment. The tampering of the paper on the electronic trading form. This embodiment combines the verification mechanism of electronic transaction and fax, and can certainly take into account the convenience and security of electronic transactions, so it can achieve the purpose of the novel.

However, the above is only the embodiment of the present invention, and when it is not possible to limit the scope of the present invention, all the simple equivalent changes and modifications according to the scope of the patent application and the contents of the patent specification are still This new patent covers the scope.

1‧‧‧Transaction Management System
11‧‧‧Management device
111‧‧‧Communication unit
112‧‧‧storage unit
113‧‧‧Processing unit
12‧‧‧Distance device
201‧‧‧ agreed to use the end
202‧‧‧Application end
D1‧‧‧Customer Information
D1'‧‧‧Target customer information
D2‧‧‧To-be-edited transaction form
D3‧‧‧ Target Seal Image
S21~S24‧‧‧Steps
S31~S37‧‧‧Steps

Other features and effects of the present invention will be apparent from the following description of the drawings, wherein: FIG. 1 is a block diagram of an embodiment of the novel transaction management system; FIG. 2 is a flow chart, exemplarily An embodiment of how the embodiment implements an electronic transaction form creation process in a transaction management method; and FIG. 3 is a flow chart illustrating an example of how the embodiment implements a transaction form verification process in the transaction management method.

Claims (5)

A transaction management system, comprising: a management device, comprising a communication unit, and a processing unit electrically connected to the communication unit; the processing unit receives a form image via the communication unit, the form image includes a plaintext data and a pair of should a digital barcode of the plaintext data, the plaintext data indicating a financial transaction request in a readable text, and the plaintext data includes a content to be verified, the digital barcode includes a target data related to the content to be verified; and the processing unit solution Translating the digital barcode to obtain the target data, and determining whether the content to be verified conforms to the target data, and when the processing unit determines that the content to be verified conforms to the target data, the financial transaction request is executed corresponding to the financial transaction request A target financial transaction for a transaction request. The transaction management system of claim 1, wherein the management device further comprises a storage unit electrically connected to the processing unit and storing a plurality of customer data, the plaintext data further comprising a customer identification data, the processing unit determining the After the content to be verified conforms to the target data, the target identification data corresponding to the customer identification data is selected from the customer data according to the customer identification data included in the plaintext data, and then the processing unit generates a Confirming the request, and transmitting the confirmation request to the agreed use end of the corresponding target customer data via the communication unit according to the target customer data, and the processing unit receives a received use end from the communication unit, and The target financial transaction is executed only when the confirmation notice of the request is confirmed. The transaction management system of claim 2, further comprising a remote dispatch device electrically connected to the management device, the plaintext data further comprising a transaction place difference, and a pair of device identification numbers of the device to be managed, the form image It is first received by the remote dispatch device, and the remote dispatch device transmits the form image to the management device according to the transaction location difference and the device identification number. The transaction management system of claim 2, wherein the storage unit further stores a to-be-edited transaction form, and when the processing unit receives a form request from an application user via the communication unit, the processing unit transmits the communication via the communication unit The unit transmits the to-be-edited transaction form to the application user through a network, so that the application user establishes the plaintext data in the to-be-edited transaction form, when the processing unit receives a from the communication unit When the application completes the editing completion notification, the digital barcode is generated according to the plaintext data created in the to-be-edited transaction form, and the plaintext data and the digit are generated according to the plaintext data and the digital barcode. An electronic transaction form of the barcode, and the electronic transaction form is transmitted to the application user via the communication unit. The transaction management system of claim 2, wherein the storage unit further stores a target signature image, and when the processing unit receives the form image via the communication unit, further determining whether the form image has a match The to-be-verified signature image of the target signature image is executed when the processing unit determines that the content to be verified conforms to the target data, and the signature image to be verified exists in the form image.