TWM575158U - Financial system - Google Patents

Abstract

A financial system includes a banking server, a bank host, and a first device. The bank host stores a number of bindable devices corresponding to a user account, and also corresponds to at least one bound device serial number of the different device. The bank server provides a binding service to the first device to receive a binding request. Notifying the bank server of the first device when the bank host receives the binding request and determines that the number of the bindable devices corresponding to the user account is greater than the number of the at least one bound device serial number Providing a binding program, so that the bank host stores a device serial number corresponding to the first device as one of the at least one bound device serial number, and the banking server transmits the device serial number to the first Device.

Description

Financial system

The present invention relates to a financial system, and more particularly to a financial system that provides multiple binding devices for each user.

Most of the existing financial institutions have binding services for providing mobile devices to further provide online banking or mobile banking services on the bound mobile devices. However, when a user holds multiple mobile devices or shares the same mobile device with his family, it is often impossible to use because the device has been set, lost or replaced, and forgotten to carry out. For example, if the originally bound device is lost or replaced, if the user does not apply to disable or re-bind another new device, there is a risk of fraudulent use. Or, the bound device is limited to the user, can not be shared with the family, etc., and becomes a problem to be solved.

Accordingly, it is an object of the present invention to provide a financial system that is capable of performing binding on multiple devices for each user.

Thus, the novel financial system includes a bank server, a bank host, and a first device. The bank server provides a binding service. The bank host electrically connects to the bank server and stores a number of bindable devices corresponding to a user account, and also corresponds to at least one bound device serial number of the different device. The first device corresponds to the user account and establishes a connection with the bank server.

The bank server provides the binding service to the first device to receive the user account and a binding request from the first device, and transmit the user account and the binding request to the bank Host. Notifying the bank server of the first device when the bank host receives the binding request and determines that the number of the bindable devices corresponding to the user account is greater than the number of the at least one bound device serial number Providing a binding program, so that the bank host stores a device serial number corresponding to the first device as one of the at least one bound device serial number, and the banking server transmits the device serial number to the first Device.

In some implementations, the financial system further includes a login data database electrically connected to the banking server and storing the user account and a user password corresponding to a user. After the first device establishes a connection with the bank server, the user account and the user password are first transmitted to the bank server, so that the bank server performs a login verification. When the bank server determines that the user account from the first device and the user password match the login data database, the bank server determines that the login verification is successful to provide the binding to the first device. Service.

In some implementations, when the bank host determines that the number of the bindable devices corresponding to the user account is less than or equal to the number of the at least one bound device sequence number, notifying the bank server to Transmitting at least one bound device serial number to the first device to provide that the user can delete one of the at least one bound device serial number, such that the number of bindable devices can be greater than the at least one The number of device serial numbers bound, which in turn enables the bank server to provide the binding procedure to the first device.

In some implementations, the financial system further includes a bank security server and a second device. The bank security server is electrically connected to the bank server and stores a device number corresponding to the user account and the second device. When the bank server provides the binding device to the first device, the bank server notifies the bank security server to generate a verification password corresponding to the device number, and establishes a connection with the second device according to the device number. The line transmits the verification password to the second device.

The user obtains the verification password by the second device, and transmits the verification password to the bank server and the bank security server by the first device, when the bank security server determines that the generated password When the received verification password matches, the device serial number corresponding to the first device is generated.

In some implementations, wherein the second device is a mobile device and is a preset device corresponding to the user, the device number is a mobile phone number, and the banking server verifies the verification by way of a short message. The password is transmitted to the second device.

In some implementations, wherein the first device is a mobile device, the first device transmits the verification password to the bank server in a short message manner, so that the bank security server receives the bank server via the bank server. The verification password.

In other implementations, when the first device wants to transmit the verification password to the bank server, and determines that a private key has been stored, a public key corresponding to the private key is generated. The public key and the verification password are also transmitted to the bank server. The bank security server further receives the public key via the bank server, and generates the device serial number when it is determined that the verification password and the public key are correct.

In some implementations, when the first device wants to transmit the verification password to the bank server, and determines that the private key is not stored, the private key is generated first, thereby generating the corresponding disclosure. Key.

The utility model has the following advantages: the bank host pre-stores the number of the bindable devices corresponding to the user account, and the at least one bound device serial number, the bank server receives the user's When the binding request of the first device is provided, the binding service can be provided according to the number of bindable devices, so that the user can set multiple devices to be bound by himself.

Before the present invention is described in detail, it should be noted that in the following description, similar elements are denoted by the same reference numerals.

Referring to FIG. 1, an embodiment of the present financial system includes a bank server 1, a bank host 2, a bank security server 3, a login data database 4, a first device 5, and a second device. 6. In this embodiment, the first device 5 and the second device 6 are both smart phones. In other embodiments, the first device 5 and the second device 6 may also be a computer host. A notebook computer, a tablet computer, a mobile device, and the like, and other networkable devices.

The first device 5 is adapted for a user operation to execute an application (APP), such as provided by a bank. The bank server 1, the bank host 2, the bank security server 3, and the login data database 4 are all affiliated with the bank. After the first device 5 executes the application, the first device 5 establishes a connection with the bank server 1 via a network 9, and transmits a user account corresponding to the user and a user password to The bank server 1 causes the bank server 1 to perform a login verification.

The login data database 4 is electrically connected to the bank server 1, and stores the user account corresponding to the user and the user password. More precisely, the login data database 4 stores a plurality of user accounts and a plurality of user passwords corresponding to a plurality of clients in the bank. The bank server 1 performs the login verification, and when the bank server 1 determines that the user account from the first device 5 and the user password match the login data database 4, the bank server 1 It is determined that the login verification is successful to provide a binding service to the first device 5, that is, the first device 5 displays by the application whether to bind the first device 5.

When the user chooses to bind the first device 5, the first device 5 transmits the user account and a binding request to the bank server 1, and the bank server 1 is electrically connected to the bank host 2 and The user account and the binding request are transmitted to the bank host 2.

The bank host 2 pre-stores a number of bindable devices corresponding to the user account, and also corresponds to at least one bound device serial number of the different device. More precisely, each customer who wants to use the network service provided by the bank will first apply to the bank, so that the bank host 2 can pre-store the upper limit of the number of devices that each client can bind (ie, the The number of devices that can be bound), and the number of the device that has been bound. One of the at least one bound device serial number is a preset device corresponding to the user. In the embodiment, the preset device is the second device 6.

When the bank host 2 receives the binding request and determines that the number of the bindable devices corresponding to the user account is greater than the number of the at least one bound device serial number, notifying the bank server 1 A device 5 provides a binding procedure.

In more detail, the bank security server 3 is electrically connected to the bank server 1 and stores a device number corresponding to the user account and the second device 6. More precisely, the bank security server 3 stores a plurality of user accounts corresponding to a plurality of clients in the bank and device numbers of a plurality of preset devices. When the bank server 1 provides the binding device to the first device 5, the bank server 1 notifies the bank security server 3 to generate a verification password corresponding to the device number of the preset device, and according to the The device number is wired to the second device (ie, the preset device) 6 to transmit the verification password to the second device 6.

The user obtains the verification password by the second device 6, and transmits the verification password to the bank server 1 and the bank security server 3 by the first device 5. In this embodiment, the device number corresponding to the second device 6 is a mobile phone door number, and the bank server 1 transmits the verification password to the second device (ie, the preset device) 6 in a short message manner. The first device 5 also transmits the verification password to the bank server 1 in a short message manner, so that the bank security server 3 receives the verification password via the bank server 1.

In addition, when the first device 5 wants to transmit the verification password to the bank server 1, and judges that a private key has been stored, a public key corresponding to the private key is generated, and the public fund is also The key and the verification password are transmitted to the bank server 1. Alternatively, when the first device 5 wants to transmit the verification password to the bank server 1, and determines that the private key is not stored, the private key is generated first, thereby generating the corresponding public key, and The public key and the verification password are transmitted to the bank server 1.

The bank security server 3 further receives the public key via the bank server 1, and when it is determined that the verification password and the public key are correct, for example, the bank security server 3 determines the generated and received When the verification password is matched, a device serial number corresponding to the first device 5 is generated, so that the bank host 2 stores the device serial number corresponding to the first device 5 as one of the at least one bound device serial number. And the bank server 1 transmits the device serial number to the first device 5.

On the other hand, when the bank host 2 receives the binding request and determines that the number of the bindable devices corresponding to the user account is less than or equal to the number of the at least one bound device serial number, the notification The bank server 1 transmits the at least one bound device serial number to the first device 5 to provide the user with the ability to delete one of the at least one bound device serial number, such that the bindable The number of devices can be greater than the number of the at least one bound device serial number, thereby enabling the banking server 1 to provide the binding device to the first device 5.

When the first device 5 receives the device serial number from the bank server 1, the device serial number is stored, and when the first device 5 executes the application again, the device serial number is also transmitted to the banking server. 1. The bank server 1 determines that the first device 5 has been bound according to the device serial number, and can directly provide a corresponding network service. In addition, it should be additionally noted that the network 9 between the first device 5 and the second device 6 and the bank server 1 is an external network belonging to the bank, and the bank server 1 and the bank The network between the host 2, the bank security server 3, and the login data database 4 belongs to the bank's internal network.

In summary, the bank server 2 pre-stores the number of the bindable devices corresponding to the user account, and the at least one bound device serial number, and the bank server 1 receives the user's The binding request of the first device 5 can be modified according to the number of the bindable devices or the at least one bound device serial number, thereby providing the binding service, so that when When any device of the user is lost or replaced, the device that has been lost or replaced can be removed only by logging in to the bank server 1 by another device, so that the user can set multiple devices to be bound by himself. The device is indeed capable of achieving the purpose of the novel.

However, the above is only the embodiment of the present invention. When the scope of the novel implementation cannot be limited thereto, all 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‧‧‧Bank server

2‧‧‧Bank host

3‧‧‧Bank Security Server

4‧‧‧Login database

5‧‧‧First device

6‧‧‧Second device

9‧‧‧Network

Other features and advantages of the present invention will be apparent from the following description of the embodiments of the invention. FIG. 1 is a block diagram illustrating an embodiment of the novel financial system.

Claims (8)

A financial system comprising: a banking server providing a binding service; and a bank host electrically connecting the banking server and storing a number of bindable devices corresponding to a user account, and corresponding to different devices At least one bound device serial number; and a first device corresponding to the user account and establishing a connection with the banking server, wherein the banking server provides the binding service to the first device, Receiving the user account and a binding request from the first device, and transmitting the user account and the binding request to the bank host, when the bank host receives the binding request, and determines that the user should use the binding request When the number of the bindable devices of the account is greater than the number of the at least one bound device sequence, the bank server is notified to provide a binding procedure to the first device, so that the bank host will correspond to the first device. A device serial number is stored as one of the at least one bound device serial number, and the banking server transmits the device serial number to the first device. The financial system of claim 1, further comprising a login data database electrically connected to the bank server, and storing the user account corresponding to a user and a user password, wherein the first device and the bank After the server establishes the connection, the user account and the user password are first transmitted to the bank server, so that the bank server performs a login verification when the bank server determines the user from the first device. When the account number and the user password match the login data database, the bank server determines that the login verification is successful to provide the binding service to the first device. The financial system of claim 2, wherein the bank server notifies the bank servo when the bank host determines that the number of the bindable devices corresponding to the user account is less than or equal to the number of the at least one bound device serial number Transmitting the at least one bound device serial number to the first device to provide the user with the ability to delete one of the at least one bound device serial number, such that the number of bindable devices can be greater than the The number of at least one bound device sequence number, thereby enabling the bank server to provide the binding device to the first device. The financial system of claim 3, further comprising a bank security server and a second device, wherein the bank security server is electrically connected to the bank server, and stores a user account and a second device a device number, when the bank server provides the binding device to the first device, the bank server notifies the bank security server to generate a verification password corresponding to the device number, and according to the device number and the second The device establishes a connection to transmit the verification password to the second device, the user obtains the verification password by the second device, and transmits the verification password to the bank server and the bank by the first device The security server generates a device serial number corresponding to the first device when the bank security server determines that the generated verification password matches the received verification password. The financial system of claim 4, wherein the second device is a mobile device and is a preset device corresponding to the user, the device number is a mobile phone number, and the banking server is in the form of a short message. The verification password is transmitted to the second device. The financial system of claim 5, wherein the first device is a mobile device, and the first device transmits the verification password to the banking server in a manner of a short message, so that the bank security server passes the bank The server receives the verification password. The financial system of claim 4, wherein when the first device wants to transmit the verification password to the bank server, and determines that a private key has been stored, a pair of public funds that should be private keys are generated. Key, and also transmitting the public key together with the verification password to the bank server, the bank security server further receiving the public key via the bank server, and determining the verification password and the public key When both are correct, the device serial number is generated. The financial system of claim 7, wherein when the first device wants to transmit the verification password to the bank server, and determines that the private key is not stored, the private key is generated first, thereby generating a corresponding The public key.