TWM571549U - System for verifying online banking services by using mobile devices in combination with inductive financial cards - Google Patents
System for verifying online banking services by using mobile devices in combination with inductive financial cardsInfo
- Publication number
- TWM571549U TWM571549U TWM571549U TW M571549 U TWM571549 U TW M571549U TW M571549 U TWM571549 U TW M571549U
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- TW
- Taiwan
- Prior art keywords
- module
- online banking
- mobile device
- financial card
- verifying
- Prior art date
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- 230000001939 inductive effect Effects 0.000 title claims abstract description 50
- 230000005540 biological transmission Effects 0.000 claims abstract description 23
- 238000007689 inspection Methods 0.000 claims abstract description 7
- 238000010586 diagram Methods 0.000 description 2
- 230000000694 effects Effects 0.000 description 1
- 230000004048 modification Effects 0.000 description 1
- 238000006011 modification reaction Methods 0.000 description 1
Abstract
本創作揭露一種藉由行動裝置結合感應式金融卡驗證網路銀行服務之 系統,包括感應式金融卡、行動裝置以及網路銀行主機;感應式金融卡具有感應元件;行動裝置包含感應模組、安全控制模組、檢驗模組、資料傳輸模組;感應模組感應感應元件;安全控制模組控制感應元件之安全性;檢驗模組檢驗感應元件,以產生驗證結果;資料傳輸模組傳輸驗證結果;網路銀行主機接收及認證驗證結果,以便於開啟網路銀行服務。 This creation discloses a method for verifying online banking services by using a mobile device in combination with an inductive financial card. The system comprises an inductive financial card, a mobile device and an online banking host; the inductive financial card has an inductive component; the mobile device comprises a sensing module, a security control module, an inspection module, a data transmission module; the sensing module inductively senses Component; safety control module controls the safety of the sensing component; the inspection module checks the sensing component to generate the verification result; the data transmission module transmits the verification result; the network banking host receives and authenticates the verification result, so as to open the online banking service .
Description
本創作係關於一種驗證網路銀行服務之系統,特別是一種藉由行動裝置結合感應式金融卡驗證網路銀行服務之系統。 This creation is about a system for verifying online banking services, in particular a system for verifying online banking services by using mobile devices in conjunction with inductive financial cards.
金融卡及信用卡等金融卡片及商品係為目前使用者必須經常使用的金融工具之一,而在使用上,使用者除了到提款機前操作或者到銀行櫃臺前服務,另一種登入網路銀行的模式也是使用者經常使用的方式。然而,欲使用實體的金融卡及信用卡等金融卡片登入網路銀行的服務時,其必須搭配實體的讀卡機方能使用。 Financial cards and products such as financial cards and credit cards are one of the financial tools that users must use frequently. In terms of use, users can operate in addition to the cash machine or go to the bank counter, and another type of online banking. The mode is also the way users often use it. However, if you want to use the financial card of the entity and the financial card such as credit card to log in to the online banking service, it must be used with the physical card reader.
進一步而言,以往客戶在進行網路銀行相關的自動化服務或雲端服務時,需使用實體卡片進行身分驗證,並於電腦設備端需準備與實體卡片接觸的有線讀卡機設備,以使安控元件能透過讀卡機和實體卡片溝通,進行身份驗證作業,而未擁有有線讀卡機設備的電腦設備端則無法進行實體卡片的連結與驗證。 Further, in the past, when customers conduct online banking-related automated services or cloud services, they need to use physical cards for identity verification, and at the computer device side, they need to prepare wired card reader devices that are in contact with physical cards to enable security control. The component can communicate with the physical card through the card reader for identity verification, while the computer device without the cable reader device cannot connect and verify the physical card.
承上所述,由於行動裝置係為目前使用者經常使用的一種裝置,然而,目前卻沒有任何一種作法係結合經常使用的行動裝置作為替代讀卡機的功能。 As mentioned above, since the mobile device is a device that is frequently used by current users, there is currently no one system that combines the frequently used mobile device as a substitute for the card reader.
據此,如何提供一種金融卡可結合行動裝置,以取代實體讀卡機的功能已成為目前急需研究的課題。 Accordingly, how to provide a financial card that can be combined with a mobile device to replace the function of an entity card reader has become an urgent research topic.
鑑於上述問題,本創作揭露一種藉由行動裝置結合感應式金融卡驗證網路銀行服務之系統,包括登入網路銀行服務。藉由行動裝置感應及驗證感應式金融卡。於行動裝置驗證成功後,傳送驗證結果至網路銀行主機。藉由網路銀行主機認證驗證結果,以便於開啟網路銀行服務。 In view of the above problems, the present invention discloses a system for verifying online banking services by using a mobile device in combination with an inductive financial card, including logging into an online banking service. Inductive financial cards are sensed and verified by mobile devices. After the mobile device is successfully verified, the verification result is transmitted to the online banking host. The online banking service is enabled by the authentication result of the online banking host authentication.
本新型上述藉由行動裝置結合感應式金融卡驗證網路銀行服務之方法係藉由本新型一種藉由行動裝置結合感應式金融卡驗證網路銀行服務之系統所執行,包括感應式金融卡、行動裝置以及網路銀行主機。感應式金融卡具有感應元件。行動裝置包含感應模組、安全控制模組、檢驗模組、資料傳輸模組。感應模組感應該感應元件。安全控制模組控制感應元件之安全性。檢驗模組檢驗感應元件,以產生驗證結果。資料傳輸模組傳輸驗證結果。網路銀行主機接收及認證驗證結果,以便於開啟網路銀行服務。 The above-mentioned method for verifying an online banking service by using a mobile device in combination with an inductive financial card is performed by a system for verifying an online banking service by using a mobile device combined with an inductive financial card, including an inductive financial card, and an action. Device and online banking host. Inductive financial cards have sensing elements. The mobile device includes a sensing module, a security control module, an inspection module, and a data transmission module. The sensing module senses the sensing element. The safety control module controls the safety of the sensing element. The inspection module inspects the sensing elements to produce verification results. The data transmission module transmits the verification result. The online banking host receives and authenticates the verification results in order to open the online banking service.
綜上所述,本創作在無需額外連結有線讀卡機裝置驗證金融卡片的情況下,成功地藉由使用者經常使用的行動裝置結合感應式金融卡,達到驗證網路銀行服務之目的,不僅安全快速,更便於使用者藉由該行動裝置或者電腦登入網路銀行,以進行後續網路銀行的操作與服務。 In summary, the present invention successfully authenticates the online banking service by using the mobile device frequently used by the user in combination with the inductive financial card without additionally connecting the wired card reader device to verify the financial card. It is safe and fast, and it is more convenient for users to log in to the online banking through the mobile device or computer for subsequent operations and services of online banking.
S02~S08‧‧‧步驟 S02~S08‧‧‧Steps
1‧‧‧感應式金融卡 1‧‧‧Inductive Financial Card
11‧‧‧感應元件 11‧‧‧Inductive components
2‧‧‧行動裝置 2‧‧‧Mobile devices
21‧‧‧感應模組 21‧‧‧Induction module
22‧‧‧安全控制模組 22‧‧‧Safety Control Module
23‧‧‧檢驗模組 23‧‧‧Test module
24‧‧‧資料傳輸模組 24‧‧‧Data Transmission Module
3‧‧‧網路銀行主機 3‧‧‧Internet Bank Hosting
第1圖係為本創作藉由行動裝置結合感應式金融卡驗證網路銀行服務之方法流程圖;第2圖係為本創作藉由行動裝置結合感應式金融卡驗證網路銀行服務的系統架構圖;以及 第3圖係為本創作藉由行動裝置結合感應式金融卡驗證網路銀行服務的另一系統架構圖。 The first picture is a flow chart of the method for verifying the online banking service by the mobile device combined with the inductive financial card. The second picture is the system architecture for verifying the online banking service by the mobile device combined with the inductive financial card. Figure; Figure 3 is another system architecture diagram for verifying online banking services by mobile devices combined with inductive financial cards.
以下係藉由特定的具體實施例說明本創作之實施方式,熟習此技藝之人士可由本說明書所揭示之內容輕易地了解本創作之其他優點與功效。本創作亦可藉由其他不同的具體實施例加以施行或應用,本說明書中的各項細節亦可針對不同觀點與應用,在不悖離本創作之精神下進行各種修飾與變更。 The embodiments of the present invention are described below by way of specific embodiments, and those skilled in the art can readily appreciate other advantages and effects of the present invention from the disclosure herein. The present invention can also be implemented or applied by various other specific embodiments. The details of the present specification can also be applied to various viewpoints and applications, and various modifications and changes can be made without departing from the spirit of the present invention.
請參閱第1圖,其係為本創作藉由行動裝置結合感應式金融卡驗證網路銀行服務之方法流程圖。本創作揭露一種藉由行動裝置結合感應式金融卡驗證網路銀行服務之方法包括下列步驟。於步驟S02中,登入網路銀行服務。於步驟S04中,藉由行動裝置感應及驗證感應式金融卡。於步驟S06中,於行動裝置驗證成功後,傳送驗證結果至網路銀行主機。於步驟S08中,藉由網路銀行主機認證驗證結果,以便於開啟網路銀行服務。 Please refer to FIG. 1 , which is a flow chart of a method for verifying online banking services by using a mobile device in combination with an inductive financial card. The present invention discloses a method for verifying an online banking service by using a mobile device in combination with an inductive financial card, including the following steps. In step S02, the online banking service is logged in. In step S04, the inductive financial card is sensed and verified by the mobile device. In step S06, after the mobile device is successfully verified, the verification result is transmitted to the online banking host. In step S08, the verification result is verified by the online banking host to facilitate the opening of the online banking service.
請參閱第2圖及第3圖,其係為本創作藉由行動裝置結合感應式金融卡驗證網路銀行服務的系統架構圖。感應式金融卡包括信用卡或提款卡,或者具有信用卡與提款卡功能二合一的金融卡,行動裝置則驗證感應式金融卡的使用者資料,包括帳號、密碼或個人資訊,或者驗證至少其中之一。因此,藉由上述方法進行驗證信用卡或提款卡時,兩者在實際操作上略有不同。進一步而言,如第2圖所示,一般提款卡係需要使用者輸入密碼以進行驗證,因此,當使用者使用提款卡登入網路銀行時,需要在行動裝置上輸入金融卡密碼以進行驗證。而如第3圖所示,信用卡則無需輸入密碼進行驗證,而是驗證個人資訊是否正確,例如驗證個人身份證字號、出生年月日、信用卡安全碼、信用卡到期日等資訊。 Please refer to Figures 2 and 3, which are system architecture diagrams for verifying online banking services by mobile devices combined with inductive financial cards. The inductive financial card includes a credit card or a debit card, or a financial card with a credit card and a cash card function, and the mobile device verifies the user data of the inductive financial card, including the account number, password or personal information, or at least verifies one of them. Therefore, when verifying a credit card or a withdrawal card by the above method, the two are slightly different in actual operation. Further, as shown in FIG. 2, the general withdrawal card requires the user to input a password for verification. Therefore, when the user uses the ATM card to log in to the online bank, the financial card password needs to be entered on the mobile device. authenticating. As shown in Figure 3, the credit card does not need to enter a password for verification, but to verify that the personal information is correct, such as verifying the personal identification number, date of birth, credit card security code, credit card expiration date and other information.
於本創作之實施例中,行動裝置包括智慧型手機、智慧型平板及筆記型電腦等行動裝置,於本創作中並不限定。行動裝置藉由各種無線感應技術感應該感應式金融卡,包括射頻識別(RFID)、近距離無線通訊(NFC)、藍牙或紅外線感測等無線感應技術,於本創作中並不以此為限。 In the embodiment of the present invention, the mobile device includes a mobile device such as a smart phone, a smart tablet, and a notebook computer, which is not limited in the present creation. The mobile device senses the inductive financial card by various wireless sensing technologies, including wireless sensing technologies such as radio frequency identification (RFID), short-range wireless communication (NFC), Bluetooth or infrared sensing, which are not limited in this creation. .
本創作上述藉由行動裝置結合感應式金融卡驗證網路銀行服務之方法係藉由本創作一種藉由行動裝置結合感應式金融卡驗證網路銀行服務之系統所執行,包括感應式金融卡1、行動裝置2以及網路銀行主機3。感應式金融卡1具有感應元件11。行動裝置2包含感應模組21、安全控制模組22、檢驗模組23、資料傳輸模組24。感應模組21感應該感應元件11。安全控制模組22控制感應元件11之安全性。檢驗模組23檢驗感應元件11,以產生驗證結果。資料傳輸模組24傳輸驗證結果,而傳輸的方式可以是無線傳輸,例如行動網路、WIFI無線網路、紅外線、藍牙等,亦可以是有線傳輸,例如透過USB、Micro USB、Mini USB等的USB傳輸模組,或是RS-232模組、Lightning模組或USB-Type C模組等的其中之一有線傳輸方式進行資訊傳輸,如此作法等同於將行動裝置2作為感應式金融卡1的讀卡裝置,經感應後,再將資訊傳輸出去。網路銀行主機3接收及認證驗證結果,以便於開啟網路銀行服務。 The above method for verifying online banking services by using a mobile device in combination with an inductive financial card is performed by a system for verifying online banking services by using a mobile device in combination with an inductive financial card, including an inductive financial card. Mobile device 2 and online banking host 3. The inductive financial card 1 has an inductive element 11. The mobile device 2 includes a sensing module 21, a security control module 22, an inspection module 23, and a data transmission module 24. The sensing module 21 senses the sensing element 11. The safety control module 22 controls the safety of the sensing element 11. The inspection module 23 inspects the sensing element 11 to produce a verification result. The data transmission module 24 transmits the verification result, and the transmission method may be wireless transmission, such as mobile network, WIFI wireless network, infrared, Bluetooth, etc., or wired transmission, for example, through USB, Micro USB, Mini USB, etc. USB transmission module, or one of wired transmission methods such as RS-232 module, Lightning module or USB-Type C module, for information transmission, which is equivalent to using mobile device 2 as inductive financial card 1 After reading the card device, after sensing, the information is transmitted. The online banking host 3 receives and authenticates the verification result to facilitate the opening of the online banking service.
感應式金融卡1包括信用卡或提款卡,或者具有信用卡與提款卡功能二合一的金融卡。行動裝置2的檢驗模組23則驗證感應式金融卡1的使用者資料,包括帳號、密碼或個人資訊,或者驗證至少其中之一。因此,藉由上述方法進行驗證信用卡或提款卡時,兩者在實際操作上略有不同。進一步而言,一般提款卡係需要使用者輸入密碼以進行驗證,因此,當使用者使用提款卡登入網路銀行時,需要在行動裝置2上輸入金融卡密碼以進行驗證,而信用卡則無需輸入密碼進行驗證,而是驗證個人資訊是否正確,例如驗證個人身份證字號、出生 年月日、信用卡安全碼、信用卡到期日等資訊。除此之外,於行動裝置2上亦可包含有指紋辨識模組(未圖示),透過指紋辨識模組亦可進行驗證個人資訊。 The inductive financial card 1 includes a credit card or a debit card, or a financial card having a credit card and a debit card function. The verification module 23 of the mobile device 2 verifies the user data of the inductive financial card 1, including the account number, password or personal information, or verifies at least one of them. Therefore, when verifying a credit card or a withdrawal card by the above method, the two are slightly different in actual operation. Further, the general withdrawal card requires the user to input a password for verification. Therefore, when the user uses the ATM card to log in to the online bank, the financial card password needs to be entered on the mobile device 2 for verification, and the credit card is Instead of entering a password for verification, verify that the personal information is correct, such as verifying the personal ID number, birth Information such as year, month, day, credit card security code, credit card expiration date, etc. In addition, the mobile device 2 may also include a fingerprint recognition module (not shown), and the fingerprint identification module may also perform verification of personal information.
於本創作之實施例中,行動裝置2包括智慧型手機、智慧型平板及筆記型電腦等行動裝置,於本創作中並不限定。行動裝置2藉由各種無線感應技術感應該感應式金融卡1,包括射頻識別(RFID)、近距離無線通訊(NFC)、藍牙或紅外線感測等無線感應技術,於本創作中並不以此為限。 In the embodiment of the present invention, the mobile device 2 includes a mobile device such as a smart phone, a smart tablet, and a notebook computer, which is not limited in the present creation. The mobile device 2 senses the inductive financial card 1 by various wireless sensing technologies, including wireless sensing technologies such as radio frequency identification (RFID), short-range wireless communication (NFC), Bluetooth or infrared sensing, and is not used in this creation. Limited.
綜上所述,本創作在無需額外連結有線讀卡機裝置驗證金融卡片的情況下,成功地藉由使用者經常使用的行動裝置結合感應式金融卡,達到驗證網路銀行服務之目的,不僅安全快速,更便於使用者藉由該行動裝置或者電腦登入網路銀行,以進行後續網路銀行的操作與服務。 In summary, the present invention successfully authenticates the online banking service by using the mobile device frequently used by the user in combination with the inductive financial card without additionally connecting the wired card reader device to verify the financial card. It is safe and fast, and it is more convenient for users to log in to the online banking through the mobile device or computer for subsequent operations and services of online banking.
上述實施例僅係為了方便說明而舉例而已,本創作所主張之權利範圍自應以申請專利範圍所述為準,而非僅限於上述實施例。 The above-described embodiments are merely examples for convenience of description, and the scope of the claims is intended to be limited to the above embodiments.
Claims (10)
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Cited By (1)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
TWI801744B (en) * | 2020-06-24 | 2023-05-11 | 玉山商業銀行股份有限公司 | Financial transaction device, method and system with non-contact authentication function |
Cited By (1)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
TWI801744B (en) * | 2020-06-24 | 2023-05-11 | 玉山商業銀行股份有限公司 | Financial transaction device, method and system with non-contact authentication function |
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