TWM577568U - Atm service application system - Google Patents

Abstract

An automatic teller machine (ATM) service application system includes an automatic teller machine, an automatic teller machine pre-processing server, and a core accounting server. The automatic teller machine is used to provide a user to apply for a digital service verification code using an integrated circuit card, and the ATM pre-processing server is connected to the ATM to verify the user's application data. The core accounting server is connected to the ATM pre-processing server to provide the user's personal information for verifying the user's application data.

Description

ATM service application system

The present invention relates to a service application system, and in particular to an automated teller service application system.

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, in order to use online banking or other digital services, in addition to the application for the counter, some banks have opened up the use of financial cards plus card readers to provide users with applications.

However, since the card reader is not a necessary device for each user, and the personal computer and the card reader also have the risk of being invaded by the hacker. How to quickly and securely allow users to apply for online banking and various digital services will help improve the security of online transactions and improve the convenience of banking services, thereby improving the stability of the overall financial trading 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 this novel content is to provide an automatic teller service application system to facilitate users to securely apply for online banking and digital services.

To achieve the above objective, according to an embodiment of the present invention, an automated teller service application system includes an automated teller machine, an automated teller machine pre-processing server, and a core accounting server.

The Automatic Teller Machine (ATM) is used to provide a user to apply for a digital service verification code using a chip financial card, and the ATM front-end processing server is connected to the ATM to review the user's eligibility for application. The core accounting server is connected to the ATM pre-processing server to provide the user's personal information for the user's application qualification review.

In some embodiments, the automated teller machine includes a password input device and a digital service application module. The password input device is used for the user to input a password of the chip financial card, and the digital service application module is connected to the password input device for the user to select a digital service.

In some embodiments, the automated teller machine further includes a mobile phone number display, a verification code requester, and a text message transmitter. The mobile phone number display is connected to the digital service application module to display the user's Reserve a mobile phone number, the verification code appender is connected to the mobile phone number display for the user to input an ATM application verification code, and the message sender is connected to the verification code applicator to transmit the ATM application verification code and the like to The ATM front-end processing server.

In some embodiments, the automated teller machine pre-processing server includes a qualification module and a web link transmitter. The eligibility module is used to review the eligibility of the user, and the web link transmitter is connected to the eligibility module, and after the eligibility review module passes, a short message is sent to the reserved mobile phone number. Among them, the newsletter contains an application project certification link page.

In addition, the eligibility module includes a wafer financial card checker, an age checker, an account exception checker, and a blacklist checker. The chip financial card checker is used to check whether the chip financial card is valid, and the age checker is connected to the chip financial card checker to check the age of the user. The account exception checker is connected to the age checker to check if the user's account is a high-risk account, and the blacklist checker is connected to the account exception checker to check if the user is a black. List.

In some embodiments, the automated teller service application system further includes an online banking server connected to the automated teller machine pre-processing server and the core accounting server, and a personal computer device connected to the online banking server.

The personal computer device includes a short message reader, a web browser, an ATM verification code input device, a graphic verification code input device, and a binding verification code setter. The short message reader is used to read the aforementioned short message, and the web browser is connected to the short message reader for entering the application project authentication link webpage, and the ATM verification code input device is connected to the web browser for input. ATM application verification code. The graphic verification code inputter is connected to the ATM verification code input device for inputting the content of a graphic verification code, and the binding verification code setter is connected to the graphic verification code input device to set a binding verification code.

In addition, the online banking server includes an error checker, a verification code checker, and a graphic verification code generation and checker. The error checker is configured to calculate whether the number of errors of the aforementioned ATM application verification code input is less than a predetermined number of times. The verification code checker is connected to the error checker to check whether the ATM application verification code is correct, and the graphic verification code generation and checker is connected to the verification code checker for generating the graphic verification code and checking the user. Whether the input content matches the graphic verification code.

Therefore, an automatic teller service application system disclosed in some embodiments of the present invention can conveniently and safely allow a user to apply for a digital service, without applying for a counter, or purchasing a card reader, and only using an automated teller machine can authenticate and Set the ATM application verification code to further set the binding verification code using your personal computer device, and then easily bind the digital service requested on the mobile device or computer device, which helps to improve the security of online transactions. And improve the convenience of banking services, thereby improving the security and convenience of the overall financial transaction environment.

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‧‧‧Automatic Teller Machine Service Application System

110‧‧‧Automatic Teller Machine

111‧‧‧Password Input

112‧‧‧Digital Service Application Module

113‧‧‧Mobile phone number display

114‧‧‧Verification Code Applicator

115‧‧‧Text Transmitter

120‧‧‧Automatic Teller Machine Front Processing Server

122‧‧‧Qualification module

124‧‧‧Web link transmitter

130‧‧‧ core account server

140‧‧‧Internet Banking Server

142‧‧‧Error checker

144‧‧‧ verification code checker

146‧‧‧Graphical verification code generation and checker

150‧‧‧Personal computer devices

151‧‧‧SMS reader

152‧‧‧Web browser

153‧‧‧ATM verification code input device

154‧‧‧Graphical verification code input device

155‧‧‧Bound verification code setter

601‧‧‧ wafer financial card checker

602‧‧‧ age checker

603‧‧‧ account abnormality checker

604‧‧‧Blacklist checker

605‧‧‧Other project checkers

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 an illustration of an automatic teller service application system according to an embodiment of the present invention. schematic diagram.

2 is a schematic diagram of an automatic teller machine of an automatic teller service application system according to an embodiment of the present invention.

FIG. 3 is a schematic diagram of an automatic teller machine pre-processing server of an automatic teller machine service application system according to an embodiment of the present invention.

FIG. 4 is a schematic diagram of an online banking server of an automatic teller service application system according to an embodiment of the present invention.

FIG. 5 is a schematic diagram of a personal computer device of an automatic teller service application system according to an embodiment of the present invention.

FIG. 6 is a schematic diagram of an eligibility review module of an automated teller machine service application 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 the specific embodiments are covered in the embodiments and are used to construct and operate The method steps and their ordering of these specific embodiments are made. 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 automatic teller machine service application system according to an embodiment of the present invention. Figure 2 is a schematic diagram of an automated teller machine for the automated teller machine service application system. Figure 3 is a schematic diagram of the ATM pre-processing server of the ATM application system. Figure 4 is a schematic diagram of the online banking server of the automatic teller service application system. Figure 5 is a schematic diagram of a personal computer device of the automated teller machine service application system. Figure 6 is a schematic diagram of the qualification review module of the automated teller machine service application system.

As shown in FIG. 1, the automated teller service application system 100 includes an automated teller machine 110, an automated teller machine front processing server 120, and a core accounting server 130.

The ATM 110 is used to provide a user to apply for a digital service verification code by using a chip financial card. The ATM pre-processing server 120 is connected to the automated teller machine 110 to review the user's eligibility for an application. In addition, the core account server 130 is connected to the ATM pre-processing server 120 to provide the user's personal data and to review the user's application qualification.

The ATM 110 includes a password input device 111, a digital service application module 112, a mobile phone number display 113, a verification code requester 114, and a text message transmitter 115.

The password input device 111 is configured for the user to input a password of the chip financial card, and the digital service application module 112 is connected to the password input device 111 for the user to select a digital service, for example, applying for a personal online banking or mobile banking, applying for The action is defensive, resetting the personal online banking code or password, but the new model is not limited to this. In addition, the mobile phone number display 113 is connected to the digital service application module 112 to display a reserved mobile phone number of the user for confirmation by the user, and the verification code appender 114 is connected to the mobile phone number display 113 for use. The operator enters an ATM application verification code, and the message transmitter 115 is connected to the verification code appender 114 to transmit the ATM application verification code and the like to the ATM pre-processing server 120.

In addition, the ATM pre-processing server 120 includes a qualification module 122 to review the user's eligibility and a web page. The link transmitter 124 is connected to the eligibility module 122. After the eligibility module 122 passes the review, the link is sent to the reserved mobile phone number, wherein the newsletter content includes at least one application project authentication link page.

In some embodiments, the eligibility module 122 includes a wafer financial card checker 601, an age checker 602, an account abnormality checker 603, a blacklist checker 604, and a other item checker. 605.

The chip financial card checker 601 is used to check whether the wafer financial card is valid, and the age checker 602 is connected to the chip financial card checker 601 to check whether the user's age is 20 years old or not. The abnormality checker 603 is connected to the age checker 602 for checking whether the user's account is a suspected illegal account, an account with an abnormal transaction, or a high-risk account, and the blacklist checker 604 is connected to the account. The abnormality checker 603 checks whether the user is a blacklist. In addition, other item checkers 605 are used to check whether the user has a guardianship announcement, an auxiliary announcement, and whether the bank phone of the retained bank matches the entered mobile phone number.

In some embodiments, the automated teller service application system 100 further includes an online banking server 140 and a personal computer device 150. The online banking server 140 is connected to the automated teller machine pre-processing server 120 and the core accounting server 130, and the personal computer device 150 is connected to the online banking server 140.

The personal computer device 150 is, for example, a desktop computer, a single computer, a mobile phone, or a tablet computer, and the like, which does not deviate from the spirit and protection scope of the present invention, and includes a short message reader 151 and a web browsing. The device 152, an ATM verification code input unit 153, and a graphic verification code input unit 154 And a binding verification code setter 155. The short message reader 151 is configured to read the aforementioned short message and use the web browser 152 to enter the application project authentication link webpage. At this time, the user uses the ATM verification code input unit 153 to input the previously set ATM application verification code, and simultaneously inputs the graphic verification code by using the graphic verification code input unit 154 according to a graphic verification code displayed on the display. Corresponding content, and the binding verification code setter 155 is connected to the graphic verification code inputter 154. After the verification is completed, the user can further set or automatically generate a binding verification code by the system.

The online banking server 140 includes an error checker 142, a verification code checker 144, and a graphical verification code generation and checker 146. When the user uses the personal computer device 150, for example, a smart phone, to connect to the application item authentication link page of the online banking server 140, the ATM application verification code is first input, and the error checker 142 is used to calculate the user inputting the ATM application. Whether the number of errors of the verification code is less than a predetermined number of times, for example, three times. When more than three times, the error checker 142 will no longer allow the user to input, and the ATM machine 110 needs to be re-applied to re-apply for the ATM application verification code. Can be used again. In addition, the error checker 142 will also check whether the completion time of the application for the ATM application verification code has exceeded a predetermined time, for example, 24 hours. After more than 24 hours, the user also needs to re-apply the automatic teller machine 110 again. The ATM application verification code can be used again.

The verification code checker 144 is connected to the error checker 142 to check whether the ATM application verification code is correct. If the error occurs, the error checker 142 will accumulate the number of times of the error input. Graphic verification code generation and checker 146 connection test The code checker 144 generates a graphic verification code and checks whether the content input by the user matches the graphic verification code. In addition, the user can further use the mobile phone or other mobile device or computer to download the related application, and input a device code, and the aforementioned binding verification code, to bind the applied digital service to the device. on.

In summary, an automatic teller service application system disclosed in some embodiments of the present invention can facilitate a user to apply for a digital service, and does not need to apply for a counter, nor does it need to purchase a card reader, and can only be authenticated by using an automatic teller machine. Set the ATM application verification code to further set the binding verification code using your personal computer device, and then easily bind the digital service requested on the mobile device or computer device, which helps to improve the security of online transactions. And improve the convenience of banking services, thereby improving the stability of the overall financial trading environment.

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 automatic teller machine service application system comprises: an automatic teller machine, providing a user, applying a digital service verification code by using a chip financial card; an automatic teller machine pre-processing server, connecting the automatic teller machine to review the user One of the application qualifications; and a core accounting server that connects to the automated teller machine pre-processing server to provide the user's personal profile for review of the user's eligibility for the application. The automatic teller service application system of claim 1, wherein the automatic teller machine includes: a password input device for the user to input a password of the chip financial card; and a digital service application module connected to the password An input device for the user to select a digital service. The automatic teller service application system of claim 2, wherein the automated teller machine further comprises: a mobile phone number display connected to the digital service application module to display a reserved mobile phone number of the user; a code appender coupled to the mobile phone number display for the user to enter an ATM application verification code; A message sender is coupled to the verification code requester to transmit the ATM application verification code to the ATM pre-processing server. The automated teller machine service request system of claim 3, wherein the automated teller machine pre-processing server comprises: an eligibility module to review the eligibility of the user; and a web link transmitter connected to the The qualification module sends a short message to the reserved mobile phone number after the qualification module has passed the review. The automatic teller service application system of claim 4, wherein the newsletter comprises an application project certification link webpage. The automatic teller service application system of claim 5, wherein the qualification module comprises: a wafer financial card checker to check whether the wafer financial card is valid; and an age checker connected to the chip Financial card checker to check the age of the user. The automatic teller service application system of claim 6, wherein the qualification module further comprises: an account abnormality checker connected to the age checker to check whether the user's account is a high risk account. ;as well as A blacklist checker is connected to the account exception checker to check if the user is a blacklist. The automatic teller service application system of claim 7, further comprising an online banking server connected to the automated teller machine pre-processing server and the core accounting server; and a personal computer device connected to the online banking server. The automatic teller service application system of claim 8, wherein the personal computer device comprises: a short message reader for reading the short message; and a web browser connected to the short message reader to enter the application item An authentication link page; an ATM verification code input device connected to the web browser to input the ATM application verification code; and a graphic verification code input device connected to the ATM verification code input device to input a graphic verification code content And a binding verification code setter connected to the graphic verification code input device to set a binding verification code. The automatic teller service application system of claim 9, wherein the online banking server comprises: an error checker to calculate whether the number of errors of the ATM application verification code input is less than a predetermined number of times; a verification code checker connected to the error checker to check whether the ATM application verification code is correct; and a graphic verification code generation and checker connected to the verification code checker to generate the graphic verification code And checking whether the content input by the user matches the graphic verification code.