TWM573866U - Dual verification system for over-the-counter banking transactions - Google Patents

Abstract

The present invention is a dual verification system for financial counter transactions, comprising a host and a counter terminal device, the counter terminal device comprising a counter computer, a code reader, a biometric reading device and a display screen, wherein The user's personal mobile device may first connect the host and input the transaction data to obtain a transaction data barcode. When the transaction is in the field, the barcode reader scans the transaction data barcode and cooperates with the creature. The feature reading device scans the biometric characteristics of the user, and the host can verify the transaction data and the user identity according to the transaction data barcode and the biometrics, and confirm whether the transaction can be allowed.

Description

Dual verification system for financial counter transactions

This creation is a dual verification system for financial counter transactions, in particular a system that utilizes human biometrics and transaction data barcodes as verification credentials.

When the financial business unit accepts the business of the counter office, the first-line counter staff will contact the customer for service, and most of the counter business must first identify and verify the identity of the customer. For example, in the current practice of depositing and withdrawing funds at a financial institution, the client must first fill out a paper transaction request form (such as a withdrawal slip) and, on request, cover the application form with the seal that was retained when the account was originally opened. When receiving the receipt, the counter staff will first read the retained data in the system to verify whether the seal on the transaction request form matches the account opening seal in the system. If the data matches, it will continue to be typed according to the information on the transaction request form. Trading system to complete the transaction.

However, the aforementioned verification mechanism may bring the following disadvantages:

1. The customer of the counter may not be the account of the trading account.

2. The information on the transaction request form may be mis-filled and misunderstood. For the cabinet customers, it is quite inconvenient to re-fill the documents. However, if the counter staff is negligent and unnoticed at the time of acceptance, they will have to make a rather troublesome repair work afterwards.

3. When the personal seal and the passbook are lost, the account may be maliciously stolen by the other party.

The main purpose of this creation is to provide a "Double Verification System for Financial Counter Trading" that enables identification of users of the counter transaction and confirmation of the transaction data.

This dual verification system for financial counter transactions includes:

a host having a database for storing user identification data, wherein the identification data includes biometric information of the user;

A counter terminal device is connected to the host device, and the counter terminal device comprises: a counter computer for the counter personnel to operate to output the work data to the host; a code reader, connected to the counter computer for reading the user Providing a transaction data barcode, wherein the transaction data barcode includes transaction information and security control information, and the transaction information and security control information are transmitted to the host for verification by the counter computer; a biometric reading device is connected to the counter computer And scanning for identifying the biometric feature of the user, the biometric feature is transmitted to the host for verification by the counter computer; wherein the host is provided according to the transaction information provided by the barcode reader and the biometric reading device The user's biometrics determine whether the user is allowed to conduct a counter transaction.

This creation uses the barcode reader to read the transaction data barcode generated by the user's appointment, and determines the detailed information of the transaction according to the transaction data barcode during the transaction of the cabinet, such as the transaction amount, date, etc., and the user does not need to manually Fill in the paper application form, so as to reduce possible mistakes such as misfilling, illegible misunderstanding, etc.; and the biometric reading device can capture personal biometric information of the user of the cabinet, such as face information, iris information or fingerprint, etc. Use the seal as the basis for identification to avoid the risk of the passbook or seal being stolen by others.

This creation is a dual verification system for financial counter transactions. It can be applied to financial business units such as banks, post offices, securities transactions, etc., and provides verification mechanisms for business transactions processed by counters. Please refer to Figure 1. The verification system of this creation contains Have:

A host 10 has a database 11 for storing customer identification data. Each customer's identification data may include, but is not limited to, a customer's biometrics, name, ID, online bank account number, online banking. Password, online banking operation rights, etc.;

A counter terminal device 20 includes a counter computer 21, a code reader 22, at least one biometric reading device 23, and a display screen 24, the counter computer 21 and the database 10 and the barcode reader 22, The biometric reading device 23 and the display screen 24 are connected. In an embodiment, the display screen 24 is a touch display capable of accepting touch operation commands.

The host 10 where the database 11 is located may be a financial service host, and the financial service host is responsible for storing and exchanging the financial business unit in addition to storing the customer identification data in the creation and performing the authentication work. For example, in the case of a bank, the financial service host is a system host in the bank itself; in another preferred embodiment, the database 11 can be set up inside a separate asset security host. To perform an identification job, separately responsible for processing the authentication server and working with the financial service host, the security host provides the authentication result to the financial service host, so that the financial service host can determine the validity of the transaction data. .

This creation uses the customer's personal biometrics as the basis for identification, and can replace the seal comparison based on the biometrics. The personal biometrics may pre-establish personal biometrics in the database 11 through a file program, and the biometric sources may include, but are not limited to, customer facial information, fingerprints, irises, finger veins, etc. The program can be filed together when the individual opens an account in the financial business unit, or can be added to the financial business unit according to individual needs after opening the account.

The biometric reading device 23 may be a camera for recognizing a human face, a fingerprint reader for recognizing a fingerprint, an iris scanner for reading an iris, or a finger vein scanner.

The barcode reader 22 is configured to read a transaction data barcode 30. The transaction data barcode 30 is generated by the host 10 according to the transaction requirement of the user, and is generated by the host 10 and sent to the user's mobile device 40. The transaction data barcode 30 is displayed when the user is in the cabinet, and the barcode reader 22 reads the data indicated in the transaction data barcode 30. Please refer to FIG. 2 for a flow chart of one of the embodiments of the transaction data barcode 30.

Log in to the host 10 (S201): for example, the user connects the host 10 with his mobile device 40. The host 10 is provided with an online banking operation interface, and the user can input the ID number, user code and user on the operation interface. Enter the transaction data with the password;

Transmitting the transaction data to the host computer 10 (S202): after the user enters the operation interface of the online banking, the user can fill in the transaction item, such as deposit and withdrawal, account number, transaction amount, transaction date and other details, and the user is operated by the mobile device 40. The completed transaction data is transmitted to the host 10;

Establishing a transaction data barcode (S203): the host 10 generates a transaction data barcode 30 according to the received transaction data, and transmits the transaction data barcode 30 back to the user's mobile device 40, and the transaction device 40 stores the transaction data barcode 30. In a preferred embodiment, the transaction data barcode 30 is a QR code (Secured QR code), and the transaction data barcode 30 may include a host in addition to the foregoing account number, transaction amount, transaction date, and the like. 10 The transaction number generated. At the same time, the host 10 will also archive the transaction data corresponding to the transaction data barcode 30 for verification in the event of subsequent actual transactions.

Referring to FIG. 3, the operation process of the system in actual application is further illustrated. First, a plurality of counter terminal devices 20 can be installed at the counter of the financial service for the counter staff 50 to operate, and when the user holds the mobile device 40 When handling the transaction business, each device in the system performs the verification operation as shown in Figure 4:

Reading the transaction data barcode (S401): when the user is in the cabinet, the transaction data barcode 30 is displayed on the mobile device 40, and the barcode reader 30 scans the transaction data barcode 30, and the transaction data barcode 30 The included transaction data is transmitted to the host computer 10 through the counter computer 21;

Verifying the transaction data (S402): After receiving the transaction data from the counter computer 21, the host computer 10 determines whether the transaction data is consistent with the transaction data and the security control information in the record archive, and if not, rejects the transaction. The following procedures will continue;

Displaying the transaction data for the user to confirm (S403): after the host 10 verifies that the transaction data is consistent, the transaction data is transmitted to the display screen 23, and the details of the transaction data are output on the display screen 23 for the user to confirm;

Scanning user biometrics (S404): when the user confirms that the transaction data is correct, the biometric reading device 23 scans the user's biological information, such as scanning the user's face, fingerprint, iris or finger vein One or more;

Judging the identity (S405): After the biometric reading device 23 acquires the biometric characteristics of the user, in a preferred embodiment, the biometric feature is transmitted to the host 10, and the host 10 compares the biometric with the database. The pre-stored identification data in 11 matches each other, and if it does not, the transaction is rejected; if it is, the transaction is allowed to continue.

Confirming the end of the transaction (S406): After the identity data of the user is also compared, the counter staff 50 can provide services according to the transaction needs of the user, after the transaction is finished, on the display screen 24 or in the user's action. An inquiry window may be further displayed on the device 40 for the user to confirm whether the transaction is completed. When the user inputs an instruction to complete the transaction on the display screen 24 or on the mobile device 40, a confirmation message is sent by the display screen 24 or the mobile device 40 to The host 10 is immediately updated by the host 10 for accounting.

This creation provides double verification of transaction data and personal identity. The bar code reader 22 reads the transaction data barcode and obtains the transaction details from the transaction data barcode, thereby replacing the traditional paper application form, and the user does not need to manually Filling in the transaction data, thereby reducing possible errors such as mis-filling, illegible misrepresentation, etc., the biometric reading device 23 also captures the personal biometric information of the user of the cabinet, and does not need to use the signature as the identification basis, thus the user You don't need to use passbooks and seals to trade in the counter, avoiding the risk of the passbook or seal being stolen by others.

10‧‧‧Host

11‧‧‧Database

20‧‧‧ counter terminal equipment

21‧‧‧ counter computer

22‧‧‧Barcode reader

23‧‧‧Biometric reading device

24‧‧‧ Display screen

30‧‧‧ transaction data barcode

40‧‧‧Mobile devices

50‧‧‧ counter staff

Figure 1: System block diagram of this creation. Figure 2: Flow chart for the establishment of transaction data barcodes in this creation. Figure 3: Schematic diagram of the application of this creation. Figure 4: Flow chart of the operation of this creation.

Claims (6)

A dual verification system for financial counter transactions, comprising: a host having a database, wherein the database stores user identification data, wherein the identification data includes biometric information of the user; Connecting the host, the counter terminal device comprises: a counter computer for the counter personnel to operate to output the work data to the host; a code reader, connecting the counter computer for reading one of the transactions provided by the user a data barcode, wherein the transaction data barcode includes transaction information, and the transaction information is transmitted to the host for verification by the counter computer; and a biometric reading device is coupled to the counter computer for scanning and identifying the biometric feature of the user. The biometric is transmitted to the host for verification by the counter computer; wherein the host determines whether the user is allowed to perform according to the transaction information provided by the barcode reader and the biometric characteristics of the user provided by the biometric reading device The counter transaction. The dual verification system for the financial counter transaction of claim 1, wherein the biometric information stored by the host includes at least one of a user's face information, a fingerprint, an iris, and a finger vein. The dual verification system for financial counter transactions as claimed in claim 1, wherein the host is a financial service host or a security host. A dual verification system for financial counter transactions as claimed in claim 1, wherein the barcode reading device is a QR code reading device. The dual verification system for financial counter transactions as claimed in claim 1, wherein the biometric reading device comprises a camera for recognizing a human face, a fingerprint reader, an iris scanner or a finger vein scanner. At least one of them. The dual verification system for financial counter transactions as claimed in claim 1, wherein the display screen is a touch display.