TWM577557U - Electronic passbook system - Google Patents

Abstract

An electronic passbook system includes a client mobile device and a web server. The client mobile device is configured to store and display a user's passbook data, and the webpage server device is connected to the client mobile device to provide webpage information to the client mobile device for display.

Description

Electronic passbook system

The present invention relates to an electronic passbook system, and in particular to an electronic passbook system with an encryption function.

With the advancement of technology, the computer industry is also increasingly developed, and all walks of life can quickly use computers and the Internet for transactions and remittances. Various forms of trading models are also booming, allowing consumers and businesses to trade easily and quickly.

Online banking and various digital services are gradually becoming widely accepted by users. However, traditionally, bank deposits store the deposit information of each bank customer in addition to the bank's database, and the customer also registers the relevant information in a passbook to ensure the correctness of the deposit. However, when the customer wants to update the information of the passbook, it is necessary to update the container or go to the bank's folding machine to make up the replacement.

However, because of the busy office workers, it is very troublesome to use the financial card to withdraw money. Some banks still limit the number of unfolded copies. If they exceed a predetermined number of times, they will not be able to perform subsequent withdrawals.

Although some banks are no longer limited to the number of unfolded shares, in order to allow customers to clearly understand their account details, in order to effectively control funds, passbooks still have their value.

How to conveniently and securely allow users to check the transactions in their accounts at any time will help improve the convenience of banking services and improve the security of the overall financial transaction environment.

The novel content is intended to provide a simplified summary of the disclosure in order to provide a basic understanding of the disclosure. This Summary is not an extensive overview of the disclosure, and is not intended to identify key/critical elements of the novel embodiments or the scope of the invention.

One of the contents of the present invention is to provide an electronic passbook system for the convenience of users to store electronic passbooks for easy access and offline access.

In order to achieve the above object, according to an embodiment of the present invention, an electronic passbook system includes a client mobile device and a web server. The client mobile device is configured to store and display a user's passbook data, and the webpage server device is connected to the client mobile device for providing webpage information to the client mobile device for display.

The electronic passbook system further includes an application server connected to the web server for authenticating the user.

In addition, the electronic passbook system further includes a bank core server connected to the application server to provide the user's passbook data.

In some embodiments, the electronic passbook system further includes a bank data server coupled to the application server for storing user applications, changes, and cancelled data.

In some embodiments, the client mobile device includes a security authenticator for security authentication to the bank core server. In addition, the bank core server includes a one-time password (OTP) verification module and a mobile message verification module for client-side mobile device verification.

In some embodiments, the bank core server further includes a core deposit module and a customer module connected to the one-time password verification module and the mobile message verification module.

In some embodiments, the client mobile device further includes a passbook account selector, a passbook data encryption storage connected to the passbook account selector, and a passbook data display connection passbook data encryption storage, a passbook account selector for the user Select the application for the passbook electronic account, the passbook data encryption store is used to encrypt and store the user's selected application for the passbook electronic account number, and the passbook data display is used to display the booked data.

In some embodiments, the client mobile device further includes a password input device connected to the passbook data display, a fingerprint reader connected to the password input device, and a data output device connected to the fingerprint identifier. The password input device is configured to provide a user to input a password before using the passbook data display to display the signed data, and the fingerprint identifier is used for providing the user to display the posted data by using the passbook data display. Before, use a biometric feature to verify identity. In addition, the data exporter is used to provide the user to remit the posted data.

In some embodiments, the client mobile device further includes a code generator for generating a code for the user to report and identify at the bank's welcome system.

Therefore, an electronic passbook system disclosed in some embodiments of the present invention can facilitate the user to electronically store the passbook to replace the traditional paper passbook. The user can apply for a passbook to the bank by having all or part of the account in the name. The electronic function allows you to use the client mobile device to make online folds. You don't need to carry a paper passbook to the folding machine to make a discount. You can choose another customer who wants to keep a passbook. In addition, the passbook data is encrypted and stored in the client mobile device, and the booked data can be checked offline, and the unregistered data is also reminded whether the information is automatically folded. In addition, the electronic passbook system can electronically convert the passbook magnetic strip to generate various identifiable barcode patterns such as two-dimensional barcodes, which not only has the function of reporting loss and remittance, but also reduces the use of paper, and makes a contribution to environmental protection. When the user is working in the cabinet, the mobile phone's passbook 2D barcode can be used to scan the welcome system to complete the report and identity, further improving the efficiency and correctness of the bank operation.

The basic spirit and other novel objects of the present invention, as well as the technical means and implementations of the present invention, can be readily understood by those of ordinary skill in the art.

100‧‧‧Electronic passbook system

110‧‧‧Client mobile device

111‧‧‧Security Control Authenticator

112‧‧‧ Passbook Account Selector

113‧‧‧ Passbook data encryption storage

114‧‧‧ Passbook data display

115‧‧‧Password Input

116‧‧‧Finger identifier

117‧‧‧Data Exporter

118‧‧‧Barcode Generator

120‧‧‧Web server

130‧‧‧Application servo

140‧‧‧Bank core server

142‧‧‧ Core Deposit Module

144‧‧‧Customer Module

146‧‧‧One-time password verification module

148‧‧‧Mobile Information Verification Module

150‧‧‧Bank data server

The above and other objects, features, advantages and embodiments of the present invention will be more apparent and understood. The description of the drawings is as follows: FIG. 1 is a schematic diagram of an electronic passbook system according to an embodiment of the present invention. .

2 is a schematic diagram of a client mobile device of an electronic passbook system according to an embodiment of the present invention.

FIG. 3 is a schematic diagram of a bank core servo device of an electronic passbook system according to an embodiment of the present invention.

The various features and elements in the figures are not drawn to scale, and are in the In addition, similar elements/components are referred to by the same or similar element symbols throughout the different drawings.

In order to make the description of the present disclosure more detailed and complete, the following description of the embodiments of the present invention and the specific embodiments thereof are set forth. The features of various specific embodiments, as well as the method steps and sequences thereof, are constructed and manipulated in the embodiments. However, other specific embodiments may be utilized to achieve the same or equivalent function and sequence of steps.

Unless otherwise defined in the specification, the meaning of the scientific and technical terms used herein is the same as that of ordinary skill in the art. In addition, the singular noun used in this specification covers the plural of the noun in the case of no conflict with the context; the plural noun of the noun is also included in the plural noun used.

In addition, the term "connected" as used herein may mean that two or more elements are in direct physical or electrical contact with each other, or indirectly in physical or electrical contact with each other, or that two or more elements are interoperable or Actions, or connections through the Internet, do not depart from the spirit and scope of the present invention. Furthermore, the components, devices, components, and servers used herein may be operated in separate computer mainframes or devices, and may be operated and integrated in one or more computer mainframes or devices. They do not deviate from the spirit and scope of this new model.

FIG. 1 is a schematic diagram showing an electronic passbook system according to an embodiment of the present invention. Figure 2 is a schematic diagram of a client mobile device of an electronic passbook system. Figure 3 is a schematic diagram of the bank core servo device of the electronic passbook system.

As shown in FIG. 1, the electronic passbook system 100 includes a client mobile device 110, a web server device 120, an application server device 130, a bank core server device 140, and a bank data server device 150.

The client mobile device 110 is configured to store and display a user's passbook information to provide a passbook electronic function, thereby replacing the traditional paper passbook, and the user can apply for a passbook to the bank for all or part of the passbook account under the name. Electronic function.

In some embodiments, the client mobile device 110 may adopt a hardware and software architecture such as a hybrid architecture application to embed a webpage image and encrypt the user passbook data in the client mobile device 110 for use. The offline information is checked offline.

The web server 120 is connected to the client mobile device 110 for providing webpage information to the client mobile device 110 for display. The webpage server 120 can store a static webpage for the client mobile device 110, such as a mobile phone or a tablet computer, or other electronic device for display, and can adopt Hypertext Transfer Protocol Secure (Hypertext Transfer Protocol Secure; HTTPS, also known as HTTP over TLS, HTTP over SSL, or HTTP Secure, enables secure communication protocols over the network. HTTPS communicates over HTTP, but uses SSL/TLS to seal packets to provide identity authentication and protect the privacy and integrity of the exchanged material. In addition, the data format can be JSON (JavaScript Object Notation) is an efficient data encoding format, can be used in the client mobile device 110 browser and AJAX (Asynchronous JavaScript and XML; asynchronous JavaScript and XML) enabled web services Enable fast, small amount of data exchange between jobs.

The application server 130 provides the passbook electronic data and is connected to the webpage server 120 for user identity verification, basic data check, and message delivery with the bank core server 140 and the security control system.

The bank core server 140 is connected to the application server 130 for providing related deposit information such as the user's passbook information. The bank data server 150 is also coupled to the application server 130 for storing user applications, changes, and cancelled materials.

In some embodiments, the client mobile device 110 includes a security authenticator 111, a passbook account selector 112, and a passbook data encryption. The memory 113, a passbook data display 114, a password input device 115, a fingerprint identifier 116, a data outputter 117, and a code generator 118 are provided.

The bank core server 140 includes a core deposit module 142, a customer module 144, a one-time password (OTP) verification module 146, and a mobile message verification module 148.

The security controller 111 is used to perform security control authentication to the bank core server 140. The security control authenticator 111 can input a one-time password verification or utilize an action message, such as a mobile defense, for verification. The one-time password verification module 146 of the bank core server 140 can issue a one-time password for user identity verification, or use the mobile message verification module 148 and the client mobile device 110, for example, to perform functions such as action defensive functions. , to verify the identity of the user. Among them, the one-time password and the action message can be applied by the user in the bank cabinet, or the wafer financial card can be applied to the online counter, without departing from the spirit and protection scope of the novel. In general, a user using the electronic passbook system 100 has preferably applied for a foreign currency passbook account to utilize the client mobile device 110 to apply for the passbook electronic function.

The core deposit module 142 and the customer module 144 of the bank core server 140 are connected to the one-time password verification module 146 and the mobile message verification module 148 to provide information such as deposits required by the user account.

In some embodiments, the passbook data encryption storage 113 is connected to the passbook account selector 112. The passbook data display 114 is connected to the passbook data encryption storage 113. The passbook account selector 112 is used for the user to select an application. The passbook electronic account can be used to retrieve all the accounts that the user can apply for the electronic passbook, so that the user can make a selection and apply for the passbook electronic function.

The passbook data encryption storage 113 is used to encrypt and store the booked data of the electronic account of the application passbook selected by the user, and is encrypted and stored in the client mobile device 110 to protect the data security.

The passbook data display 114 can be used to display the booked information for viewing by the user.

In order to effectively ensure the security of the deposit data stored in the passbook data encryption storage 113 of the client mobile device 110. When the client mobile device 110 is used to view the passbook content or to make an online bonus, the user needs to use the password input device 115 to input a password, or use the fingerprint recognizer 116 to perform a biometric verification to confirm the identity of the user.

In some embodiments, the password input device 115 is coupled to the passbook data display 114, the fingerprint identifier 116 is coupled to the password input device 115, and the data output device 117 is coupled to the fingerprint identifier 116. The password input device 115 is configured to provide a password for the user to verify the identity before displaying the signed data by using the passbook data display 114. The fingerprint identifier 116 is configured to provide the user with the passbook data display 114. Before folding the data, use biometric features such as fingerprints, pupils or faces to verify identity. In addition, the data exporter 117 is configured to provide the user with the exported data and can be password protected by the user to export the EXCEL or PDF file.

In some embodiments, the barcode generator 118 can be used to generate a code for the user to report and identify at the bank's welcome system. The bar code may be a one-dimensional bar code, a two-dimensional bar code or other various bar codes, without departing from the spirit and scope of the novel.

In summary, an electronic passbook system disclosed in some embodiments of the present invention can facilitate the user to electronically store the passbook to replace the traditional paper passbook, and the user can have all or part of the name in the account. The bank can apply for the electronic passbook function, and then use the client mobile device to make online discounts. It is not necessary to carry a paper passbook to the folding machine for the discount, and provide another option for customers who want to keep the passbook. In addition, the passbook data is encrypted and stored in the client mobile device, and the booked data can be checked offline, and the unregistered data is also reminded whether the information is automatically folded. In addition, the electronic passbook system can electronically convert the passbook magnetic strip to generate various identifiable barcode patterns such as two-dimensional barcodes, which not only has the function of reporting loss and remittance, but also reduces the use of paper, and makes a contribution to environmental protection. When the user is working in the cabinet, the mobile phone's passbook 2D barcode can be used to scan the welcome system to complete the report and identity, further improving the efficiency and correctness of the bank operation.

The specific embodiments of the present invention are disclosed in the above embodiments, and are not intended to limit the present invention. Those of ordinary skill in the art to which the present invention pertains, without departing from the spirit and scope of the present invention, Various changes and modifications may be made thereto, and the scope of protection of the present invention is defined by the scope of the accompanying claims.

Claims (10)

An electronic passbook system includes: a client mobile device for storing and displaying a user's passbook data; and a webpage server connected to the client mobile device for providing webpage information to the client for action The device is displayed. The electronic passbook system of claim 1, further comprising an application server connected to the webpage server for performing identity verification of the user. The electronic passbook system of claim 2, further comprising a bank core server connected to the application server for providing the passbook data of the user. The electronic passbook system according to claim 3, further comprising a bank data server connected to the application server for storing the user's application, the change, and the cancelled data. The electronic passbook system of claim 4, wherein the client mobile device comprises a security authentication device for performing security control authentication to the bank core server. The electronic passbook system of claim 5, wherein the bank core server comprises a one-time password (OTP) verification module and a mobile message verification module for performing the client mobile device. verification. The electronic passbook system of claim 6, wherein the bank core server further comprises a core deposit module and a customer module connected to the one-time password verification module and the mobile message verification module. The electronic passbook system of claim 7, wherein the client mobile device further comprises a passbook account selector, a passbook data encryption storage device is connected to the passbook account selector, and a passbook data display is connected to the passbook data encryption storage. The passbook account selector is used for the user to select to apply for a passbook electronic account, and the passbook data encryption store is used to encrypt and store the booked copy data of the electronic account of the application passbook selected by the user, and the passbook data The display is used to display the signed data. The electronic passbook system of claim 8, wherein the client mobile device further comprises a password input device connected to the passbook data display, a fingerprint identifier connected to the password input device, and a data output device connected to the a fingerprint identifier, the password input device is configured to provide the user to input a password for verifying the identity before displaying the signed data by using the passbook data display, and the fingerprint identifier is used for providing the fingerprint identifier The user uses a biometric feature to verify the identity before displaying the depreciated data by using the passbook data display, and the data exporter is configured to provide the user to remit the debited data. The electronic passbook system of claim 9, wherein the client mobile device further comprises a code generator for generating a code for the user to report and identify at the bank's welcome system.