TWM571549U - System for verifying online banking services by using mobile devices in combination with inductive financial cards - Google Patents

Abstract

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

System for verifying online banking services by using mobile devices in combination with inductive financial cards

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.

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.

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.

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.

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.

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.

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.

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‧‧‧Steps

1‧‧‧Inductive Financial Card

11‧‧‧Inductive components

2‧‧‧Mobile devices

21‧‧‧Induction module

22‧‧‧Safety Control Module

23‧‧‧Test module

24‧‧‧Data Transmission Module

3‧‧‧Internet Bank Hosting

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.

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.

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.

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.

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. .

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.

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.

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.

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.

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)

A system for verifying an online banking service by using a mobile device in combination with an inductive financial card, comprising: an inductive financial card having an inductive component; a mobile device comprising: a sensing module sensing the sensing component; and a security control a module for controlling the security of the sensing component; an inspection module for verifying the sensing component to generate a verification result; and a data transmission module for transmitting the verification result; and an online banking host for receiving and authenticating The verification result is to facilitate the opening of the online banking service. The system for verifying an online banking service by using a mobile device in combination with an inductive financial card, as described in claim 1, wherein the inductive financial card comprises a credit card and/or a debit card. The system for verifying an online banking service by using a mobile device in combination with an inductive financial card as described in claim 2, wherein the verification module checks the user data of the inductive financial card. The system for verifying an online banking service by using a mobile device in combination with an inductive financial card as described in claim 3, wherein the user profile includes an account number, a password, and/or a person information. The system for verifying online banking services by using a mobile device and an inductive financial card as described in claim 1, wherein the sensing module is wirelessly sensed by radio frequency identification, short-range wireless communication, Bluetooth or infrared sensing. The sensor senses the sensing element. Inductive financial card test by mobile device as described in item 1 of the patent application scope The system of online banking services, wherein the data transmission module transmits data by wireless transmission. The system for verifying an online banking service by using a mobile device in combination with an inductive financial card as described in claim 1, wherein the data transmission module performs data transmission by means of wired transmission. The system for verifying an online banking service by using a mobile device in combination with an inductive financial card, as described in claim 6, wherein the data transmission module is a mobile network wireless transmission module. The system for verifying online banking services by using a mobile device in combination with an inductive financial card as described in claim 7, wherein the data transmission module is a USB module, an RS-232 module, a Lightning module, or a USB. - A cable transmission module such as the Type C module. The system for verifying an online banking service by using a mobile device in combination with an inductive financial card as described in claim 4, wherein the mobile device includes a fingerprint identification module, and the personal identification information is assisted by the fingerprint identification module. .