TWM579786U - Online account opening system - Google Patents

Abstract

The present invention discloses an online account opening system, comprising: a mobile terminal, which loads an electronic file for opening an account from a server line in an account opening process, and the mobile terminal is provided with a touch screen and a front image capturing module; a control module, wherein the control module is configured to: display the electronic file and a confirmation button displayed on the touch screen in the account opening process; and receive a confirmation message triggered by the confirmation button from the touch screen, Correlating the confirmation message with a time stamp to notify the server; enabling the front image capture module to capture a dynamic image information and display the touch screen, and receive a track information from the touch screen; The motion picture information and the track information and the time stamp are associated to notify the server.

Description

Online account opening system

This work exposes a system related to financial services, especially an online account opening system.

In the current financial operations, for the account business that needs to be subject to identity review, most account holders will personally go to the enterprise company or bank that wants to open an account, in order to facilitate the identification of identity data.

Generally, accounts that require strict identity authentication are subject to the need for money flow. Therefore, in order to ensure that the account holder is consistent with the account owner to avoid subsequent disputes, the account holder must prepare all the business hours of the bank or company. Personal identification documents and materials, personally go to the counter to carry out the account opening procedures. In the process of opening an account, the account holder must fill in and sign the documents and the contractual agreements under the law, so the overall process takes a very long time. Moreover, for a specific account type such as a bank, since the operation time mostly conflicts with the working time of the general user, it is not easy for the user to perform the account opening action personally. In addition, in the process of opening an account, the bank personnel must witness the account holder to review the contract contents, and witness the account holder to fill out and sign many forms and documents in person, and it requires a lot of working time. The account holder needs to go to the enterprise company and the bank for processing, but still can't move enough time to complete the complete process, and if the number of people is large, it is an inconvenience to wait too long.

In order to improve this deficiency, the ROC of the Republic of China announced the official launch of the Bank Digital Financial Environment (Bank 3.0), which eased the offer of investors to open online accounts for investors. The previously published financial technology development strategy white paper mentioned the expansion. Online financial services, account holders can open an account through the online application (banking, securities industry). However, in order to avoid false premature separation, the financial service provider should confirm the true identity of the customer. Therefore, how to strengthen the identity authentication of online account opening to create a safe financial environment, and improve the trust of users and financial service providers in electronic signatures. To solve the technical problems of "opener confirmation contract content", "opener personal signature" and "bank personnel witness" on the electronic device, so as to completely replace the traditional users who need to personally go to the financial service provider who wants to open an account. The business place to carry out the account opening process has become an active research topic.

Therefore, how to provide an account opening method that is more convenient for the account holder and safer for the financial service provider, in accordance with the current legal norms, for the account holder to open the account in a remote manner, in addition to saving the user's time cost and In addition to the operating costs of financial service providers, it also enhances the trust of users and financial service providers in electronic signatures, so that they can safely and completely replace traditional users who need to go to the place of business of the financial service provider who wants to open an account. The process of opening an account is an important topic in this field.

The purpose of this creation is to provide an online account opening system that provides users with a more convenient and secure account opening method for financial service providers in compliance with current laws and regulations, and allows users to open account operations in a remote manner. Aspects can save users time costs, and on the other hand can reduce the operating costs of financial service providers.

Another object of the present invention is to provide an online account opening system, which uses a time stamp to confirm the related contract review during online account opening, the dynamic image information of the account holder at the time of signature, and the signature trajectory information, and enables the server to receive the time stamp immediately. Correlation confirmation information, and the dynamic image information and the signature trajectory information of the signature of the account holder have time compatibility after uploading the server, thereby further improving the reliability of the user and the financial service provider on the electronic signature, so as to be safe and Completely replacing the traditional account holders must go to the place of business of the financial service provider who wants to open an account to execute the account opening procedure.

In order to achieve the purpose of creation, the present invention discloses an online account opening system, comprising: a mobile terminal, which loads an electronic file for opening an account from a server line in an account opening process, and the mobile terminal is provided with a touch screen and a front image. a capture module and a control module, wherein the control module is configured to: display the electronic file and a confirmation button displayed on the touch screen during the account opening process; and trigger the confirmation button from the touch screen a confirmation message, associated with the confirmation message and a time stamp to notify the server; enabling the front image capture module to capture a dynamic image information and display the touch screen, and receive from the touch screen a track information; and correlating the motion picture information and the track information with the time stamp to notify the server.

The effect of this creation is that the dynamic image information and the signature track information of the user who performs the account opening operation are combined with the time stamp, and the dynamic image information is enabled only after the confirmation information of the contract review is immediately uploaded to the server. During the recording, the trajectory information is received from the touch screen to prove the trajectory information related to the time stamp and the authenticity of the dynamic image information at the time, and the contract review is performed due to the association of the motion image information and the trajectory information and the time stamp. The time between the confirmation information and the dynamic image information at the time of signature and the trajectory information of the signature will prevent the trajectory information from being tampered with, and at the same time solve the "opener confirmation contract content", "the account holder personally sign" and " The technical problems of bank personnel witnessing. Therefore, the online account opening system of the present invention can enable the user to open an account in a remote manner in a secure financial environment, thereby achieving the purpose of saving the user's time cost and reducing the operating cost of the financial service provider. In addition, the online account opening system of this creation can further enhance the trust of users and financial service providers in electronic signatures. Therefore, it is also possible to achieve a safe and completely replace the traditional users who need to personally go to the financial service provider who wants to open an account. The purpose of the procedures for opening an account at the place of business.

These and other aspects and embodiments will become apparent to those skilled in the <RTIgt;

Embodiments will now be described in detail with reference to the accompanying drawings of the present invention. In the accompanying drawings, the same and/or corresponding elements are denoted by the same reference numerals.

Various embodiments are disclosed herein; however, it is to be understood that the disclosed embodiments are only illustrative of the various embodiments. In addition, each of the examples given in connection with the various embodiments are intended to be illustrative and not limiting. Further, the drawings are not necessarily to scale, and some features are exaggerated to show details of particular elements (and any dimensions, materials, and similar details in the drawings are intended to be illustrative and not limiting) . Therefore, specific structural and functional details are disclosed herein, and are not to be construed as limiting the scope of the embodiments disclosed herein.

In the following detailed description of various exemplary embodiments, reference is made to the accompanying drawings, which form a part of the present invention. The embodiments are shown by way of example, and the specific embodiments described herein can be implemented by the example. The details are provided to enable a person skilled in the art to practice the described embodiments. It is understood that other embodiments may be utilized and other changes may be made without departing from the spirit and scope. In addition, although this may be the case, the reference to "one embodiment" does not require the embodiment of the same or singular. Therefore, the following detailed description is not to be taken in a limiting

The first figure is a system architecture diagram of the online account opening system according to the first embodiment of the present creation. As shown in the figure, the online account opening system 100 of the first embodiment of the present invention includes a server 110 and a mobile terminal 120. The mobile terminal 120 includes a touch screen 122, a front image capturing module 124, and a storage module 126. Control module 128.

The server 110 provides a native application (Apps, not shown), and the mobile terminal 120 can be a smart mobile phone, or can be other examples, such as a notebook computer, a built-in device in a motor vehicle, a tablet, and the like. The mobile terminal 120 is connected to the server 110 through its built-in communication platform (not shown) to install a native application. In this embodiment, the communication protocol used by the communication platform is a communication protocol for wireless communication, and communication is performed. The agreement may be a wireless communication protocol such as a mobile communication network (eg, LTE), a wireless metro network (MAN) (eg, WiMAX), a wireless local area network (LAN) (eg, WiFi, Bluetooth).

After the mobile terminal 120 installs the native application, the user who wants to perform the financial service can enter the account opening process, and the mobile terminal 120 and the server 110 remain connected during the account opening process. The control module 126 loads an electronic file (not shown) for opening an account from the server 110, and the control module 126 displays an electronic file and a confirmation button (not shown) on the touch screen 122. The control module 126 receives a confirmation message triggered by a confirmation key (not shown) from the touch screen 122, and associates the confirmation message with a time stamp to notify the server 110.

The control module 126 enables the front image capturing module 124 to capture the dynamic image information and display it on the touch screen 122 and receive the track information from the touch screen 122. In this embodiment, the motion image information is the image when the user signs the touch screen 122. The track information is the signature input by the user on the touch screen 122, and can only be recorded during the recording of the motion image information. The touch screen 122 receives the track information

The control module 126 associates the dynamic image information with the track information and the time stamp to upload the notification server 110. In this embodiment, the control module 128 may temporarily store the motion image information and the track information in association with the time stamp, and then temporarily store the information in the storage module 126. The track information can be recorded in the form of a markup language (for example, XML), and the motion picture information is recorded in the form of streaming media (for example, mp4). It should be emphasized that, in this embodiment, after the trajectory information and the dynamic image information and the time stamp are related, the trajectory information and the dynamic image information associated with the time stamp are separately stored in the storage module 126.

In this embodiment, after the control module 126 associates the dynamic image information and the track information with the time stamp, the track information associated with the time stamp can be encrypted and encrypted, whether or not temporarily stored in the storage module 126. The dynamic image information is separately uploaded and stored in the server 110. The encryption method uploaded to the server 310 can be encrypted using, for example, Advanced Encryption Standard (AES), Cipher Block Chaining (CBC), PKCS5Padding, and the like. The track information can be recorded in the form of a markup language (for example, XML), and the motion picture information is recorded in the form of streaming media (for example, mp4). However, it should be emphasized that, in this embodiment, the track information and the dynamic image information associated with the time stamp are respectively uploaded to the server 110, and are also stored separately from the electronic file, that is, the track information and dynamics associated with the time stamp. The image information is divided into two files and stored in the server 110 separately from the electronic file.

In addition, in this embodiment, when the financial service provider needs to perform the account image confirmation of the specific user for the specific user, the employee of the financial service provider presents the request to the server 110, optionally by The server 110 combines any or all of the track information and the moving image information associated with the time stamp with the electronic file.

The second A diagram is a flow chart of the online account opening method according to the first embodiment of the present creation. In order to describe the online account opening method of the first embodiment of the present invention, please refer to the first figure. The online account opening method of the present embodiment is used for downloading the native application (Apps, not shown in the figure) to the mobile terminal 120. The mobile terminal has a touch screen 122 and a front image capturing module 124. In this embodiment, after the mobile terminal 120 installs the native application, the user who wants to perform the financial service can enter the account opening process, and during the account opening process, the mobile terminal 120 and the server 110 remain connected.

As shown in the figure, in step S202, in the account opening process, the mobile terminal is loaded from the server line into the electronic file for opening an account. In this embodiment, the mobile terminal 120 and the server 110 remain connected in the account opening process, and the electronic file for opening an account is loaded from the server 110.

In step S204, in the account opening process, an electronic file is displayed on the touch screen. In this embodiment, the electronic file is displayed on the touch screen 122 of the mobile terminal 120.

In step S206, in the account opening process, a confirmation button is provided on the touch screen. In this embodiment, the confirmation key is displayed on the touch screen 122 of the mobile terminal 120.

In step S208, in the account opening process, the confirmation message triggered by the confirmation button is received via the touch screen, and the server is notified by associating the confirmation message with the time stamp. In this embodiment, the confirmation message triggered by the confirmation key is received from the touch screen 122, and the confirmation message and the time stamp are associated with the server 110.

In step S210, in the account opening process, the front image capturing module is enabled to capture the dynamic image information and displayed on the touch screen, and the track information is received via the touch screen. In this embodiment, the moving image information is related to the image when the user signs the touch screen 122, and the track information is related to the signature input by the user on the touch screen 122, and only during the recording of the moving image information. The trajectory information is received from the touch screen 122.

In step S212, the uploading server is notified by associating the motion picture information with the track information and the time stamp. In this embodiment, after the dynamic image information and the track information are associated with the time stamp, the track information and the moving image information associated with the time stamp can be temporarily stored in the storage module 126, and the track information can be in the markup language. In the form of (for example, XML), the motion picture information is recorded in the form of streaming media (for example, mp4).

In this embodiment, after the dynamic image information and the track information are associated with the time stamp, whether the data is stored in the storage module 126 or not, the track information and the dynamic image information associated with the time stamp can be separately encrypted. The upload is stored in the server 110. However, it should be emphasized that, in this embodiment, the track information and the dynamic image information associated with the time stamp are respectively uploaded to the server 110 and stored separately with the electronic file, that is, the track information and the motion image associated with the time stamp. The information is divided into two files and stored in the server 110 separately from the electronic file.

The second B diagram is a schematic diagram of the execution of the computer program product according to the first embodiment of the present creation. For a detailed description of the computer program product of the first embodiment of the present invention, please refer to the first figure and the second A figure. The computer program product of this embodiment downloads the computer program via the mobile terminal 120 to execute the second A picture. The online account opening method, therefore, the same part as the second A picture will not be repeated.

As shown in the figure, in the program command S252, the microprocessor displays the electronic file and the confirmation key for opening the account on the touch screen. In this embodiment, the microprocessor may be the control module 128 of the first figure, but may be other independent processing units.

In the program command S254, the microprocessor receives the confirmation message triggered by the confirmation button from the touch screen, and associates the confirmation message with the time stamp to notify the server.

In the program command S256, the microprocessor enables the front image capturing module to capture the dynamic image information and display it on the touch screen in response to the confirmation message.

At program instruction S258, the microprocessor is enabled to receive track information from the touch screen.

In the program instruction S260, the microprocessor associates the dynamic image information with the track information and the time stamp to notify the server.

In addition, in this embodiment, another program command (not shown) may be included to enable the microprocessor to load an electronic file for opening an account from the server line in the account opening process.

The description of the second embodiment will be made hereinafter as an example of an electronic document with an electronic contract associated with an account opening service.

Please refer to the third A figure to the third C picture at the same time. The third A picture is based on the system architecture diagram of the online account opening system of the second embodiment of the present creation, and the third B picture and the third C picture are based on the second implementation of the present creation. For example, the screen display of the touch screen. As shown in FIG. 3A, the online account opening system 300 of the second embodiment of the present invention includes a server 310 and a mobile terminal 320. The mobile terminal 320 includes a touch screen 322, a front image capturing module 324, and a storage module ( Not shown) and control module (not shown).

The server 310 provides a native application (Apps, not shown), and the mobile terminal 320 can be a smart mobile phone, or can be other examples, such as a notebook computer, a built-in device in a motor vehicle, a tablet computer, and the like. The mobile terminal 320 is connected to the server 310 through its built-in communication platform (not shown) to install the native application. In this embodiment, the communication protocol used by the communication platform is a wireless communication protocol, and the communication protocol. It can be a wireless communication protocol such as a mobile communication network (for example, LTE), a wireless metro network (MAN) (for example, WiMAX), and a wireless local area network (LAN) (for example, WiFi, Bluetooth).

After the mobile terminal 320 installs the native application, the user who wants to open the account can enter the account opening process, and the mobile terminal 320 and the server 310 remain connected during the account opening process. The control module loads the electronic contract 350 for opening an account from the server 310 and displays it on the touch screen 322. The electronic contract 350 can include a plurality of terms and at least one confirmation key 352. The user who performs the account opening service reads the electronic The contract 350 can be entered at the confirmation key 352 to trigger the confirmation message.

After receiving the confirmation message, the control module will associate the confirmation message with the time stamp to notify the server 310. The control module enables the front image capturing module 324 to capture the dynamic image information and display it on the touch screen 322 and receive the track information from the touch screen 322.

Specifically, in this embodiment, after receiving the confirmation message, the control module generates a signature box 354, a start recording button 360, and a timing block 362 on the touch screen 322. The front image capturing module 324 is ready to start capturing images by using the front lens, and the user can see his own image V1 on the touch screen 322. The timing block 362 can display timing information such as "Please complete within 30 seconds", which means that in this embodiment, the user who performs the account opening service needs to complete the signature and video recording within 30 seconds. After the user who opened the account service clicks the start recording button 340, please enter the description of the third B picture.

As shown in FIG. B, after the user clicks the start recording button 340, the user will be able to sign the signature 354 to input the track information 356, and the control module will also control the front image capture at this time. The module 324 records the user's signature image V2 using the front lens to generate motion image information (not shown). At the same time, the time frame 362 will display the remaining time, and the flashing red button 364 will appear at the place where the button 360 was originally recorded, prompting the user to start recording (the technique used here is like the video technology used by the general smart phone). The user can also press the red button 364 to end the signature and video recording in advance. In this embodiment, when the user presses the red button 364 to end the signature and video recording before the end of the timer or after the timer expires, the preview mode will be automatically entered.

Referring to the third C diagram, after entering the preview mode, the original timing block 362 will be changed to the preview box 370, and the preview box 370 will display "in preview". In the preview mode, the control module will play the recorded user's The signature image V2, the user can also click the re-record button 372 at any time to restart the signature and re-record the signature image V2, that is, the touch screen 322 will return to the screen in the third A picture to restart the signature and record. After the preview mode is completed, the user can click the OK button 374 to complete the signature and video recording, that is, the track information 356 and the motion picture information reception are completed.

Returning to the third A picture, in the embodiment, after receiving the track information 356, the control module will generate a complete signature track (not shown) according to the track information, and the control module also controls the front image capturing mode. Group 324 takes a photo of the user to generate still image information (not shown).

The control module will associate the track information 356, the complete signature track, the motion picture information, and the still image information with the time stamp to notify the server 310. In this embodiment, the control module may first associate the track information 356, the complete signature track, the motion picture information, and the still image information with the time stamp, and temporarily store the data in the storage module, and the track information may be in a markup language (for example: In the form of XML, dynamic image information is recorded in the form of streaming media (eg mp4). However, it should be emphasized that, in this embodiment, when the track information 356, the complete signature track, the motion picture information, and the still image information and the time stamp are related, the track information 356 associated with the time stamp is established, the complete signature track, The dynamic image information and the still image information are separately stored in the storage module.

In this embodiment, after the control module associates the track information 356, the complete signature track, the motion picture information, and the still image information with the time stamp, the control module can be encrypted by using the encryption mode whether it is temporarily stored in the storage module. The associated track information 356, the complete signature track, the motion picture information, and the still image information and the time stamp are respectively associated with the time stamp or encrypted and compressed into a single encrypted compressed file and uploaded and stored in the server 310. The encryption method uploaded to the server 310 can be encrypted using, for example, Advanced Encryption Standard (AES), Cipher Block Chaining (CBC), PKCS5Padding, and the like. The track information can be recorded in the form of a markup language (for example, XML), and the motion picture information is recorded in the form of streaming media (for example, mp4). However, it should be emphasized that, in this embodiment, the trajectory information 356, the complete signature trajectory, the motion picture information, and the still image information associated with the time stamp are uploaded to the server 310, and are stored separately from the electronic contract 350, that is, and The time stamp associated track information 356, the complete signature track, the motion picture information, and the still image information are respectively divided into four files and stored in the server 310 respectively.

In addition, in this embodiment, when the financial service provider needs to access the electronic contract 350 and the account opening information of the related user, the employee of the financial service provider presents the request to the server 310, optionally by the server. 310 combines the track information 356 associated with the time stamp, the complete signature track, the motion picture information, and the still image information with the electronic contract 350. For example, when a financial service provider wants to upload a user's electronic contract to the competent authority, for example, when the electronic contract is a W8-BEN contract, the financial service provider's practitioners request the server 310 The server 310 combines the trajectory information, the complete signature trajectory and the dynamic image information with the W8-BEN contract, for example, the trajectory information, the complete signature trajectory and the dynamic image information into the signature field of the W8-BEN contract (Signature). in.

The fourth figure is a flow chart of the online account opening method according to the second embodiment of the present invention. The online account opening method of the second embodiment of the present invention is described in detail. Please refer to the third to third C drawings together with the present embodiment. The online account opening method is used for a native application (Apps, not shown) downloaded to the mobile terminal 320. The mobile terminal has a touch screen 322 and a front image capturing module 324. In this embodiment, after the mobile terminal 320 installs the native application, the user who wants to open the account can enter the account opening process, and during the account opening process, the mobile terminal 320 maintains a connection with the server 310.

As shown in the fourth figure, in step S402, in the account opening process, the mobile terminal is loaded from the server line into the electronic contract for opening an account. In the present embodiment, the mobile terminal 320 loads the electronic contract for opening an account from the server 310.

In step S404, in the account opening process, the electronic contract is displayed on the touch screen. In the embodiment, the electronic contract 350 is displayed on the touch screen 122 of the mobile terminal 320.

In step S406, in the account opening process, a confirmation button is provided on the touch screen. In the embodiment, the confirmation key 352 is displayed on the touch screen 322 of the mobile terminal 320.

In step S408, in the account opening process, the confirmation message triggered by the confirmation button is received via the touch screen, and the server is notified by associating the confirmation message with the time stamp. In this embodiment, the confirmation message triggered by the confirmation key 352 is received from the touch screen 322, and the confirmation message and the time stamp are associated to notify the server 310.

In step S410, in the account opening process, a signature box is generated laterally on the touch screen. In this embodiment, after receiving the confirmation message, in addition to generating the signature box 354 laterally on the touch screen 322, the control module simultaneously generates a start recording button 360 and a timing block 362. The front image capturing module 324 is ready to start capturing images by using the front lens, and the user can see his own image V1 on the touch screen 322. The timing block 362 can display timing information such as "Please complete within 30 seconds", which means that in this embodiment, the user who performs the account opening service needs to complete the signature and video recording within 30 seconds. When the user who performs the account opening service clicks the start recording button 340, the process proceeds to step S412.

In step S412, the front image capturing module captures the dynamic image information and displays it on the touch screen, and receives the track information via the signature box. In this embodiment, after the user clicks the start recording button 340, the user will sign the signature 354 to input the track information 356, and the control module will also control the front image capturing module at this time. The 324 uses the front lens to record the user's signature image V2 to generate motion image information (not shown). At the same time, the time frame 362 will display the remaining time, and the flashing red button 364 will appear at the place where the button 360 was originally recorded, prompting the user to start recording (the technique used here is like the video technology used by the general smart phone). The user can also press the red button 364 to end the signature and video recording in advance. In this embodiment, when the user presses the red button 364 to end the signature and video recording before the end of the timer or after the timer expires, the preview mode will be automatically entered.

After entering the preview mode, the original timing block 362 will be changed to the preview box 370, and the preview box 370 will display "in preview". In the preview mode, the control module will play the recorded user's signature image V2, the user The re-record button 372 can also be clicked at any time to restart the signature and re-record the signature image V2, that is, return to step S410 to restart the signature and record the signature image. After the preview mode is completed, the user can click the OK button 374 to complete the signature and video recording, that is, the track information 356 and the motion picture information reception are completed, and the process proceeds to step S414.

In step S414, the pre-image capturing module captures the still image information, and generates a complete signature trajectory according to the received trajectory information. In this embodiment, after receiving the track information 356, the control module will generate a complete signature track according to the track information, and the control module also controls the front image capturing module 324 to take a photo of the user to generate still image information. .

In step S416, the server is notified by associating the trajectory information, the complete signature trajectory, the motion picture information, and the still image information with the time stamp. In this embodiment, after the track information 356, the complete signature track, the motion picture information, and the still image information are associated with the time stamp, the track information 356, the complete signature track, and the dynamic image information associated with the time stamp may be firstly associated with the time stamp. The still image information is temporarily stored in the storage module.

In this embodiment, after the track information 356, the complete signature track, the motion picture information, and the still image information are associated with the time stamp, the control module can be encrypted and time-independent, whether or not temporarily stored in the storage module. The associated trajectory information 356, the complete signature trajectory, the dynamic image information, and the still image information and the time stamp are respectively encrypted or compressed into a single encrypted compressed file and uploaded and stored in the server 310. However, it should be emphasized that, in this embodiment, the trajectory information 356, the complete signature trajectory, the motion picture information, and the still image information associated with the time stamp are uploaded to the server 310, and are stored separately from the electronic contract 350, that is, and The time stamp associated track information 356, the complete signature track, the motion picture information, and the still image information are respectively divided into four files and stored in the server 310 respectively.

In addition, the online account opening method of the second embodiment of the present invention can also be executed by using the computer program product of the second embodiment of the present invention to download a computer program via the mobile terminal, and the second embodiment of the present creation will not be repeatedly described herein. The execution steps of the computer program product.

In summary, the present invention provides an online account opening system, which combines the dynamic image information and signature trajectory information of the user who performs the account opening operation with the time stamp, only during the recording of the moving image information. The touch screen receives the trajectory information, and proves the trajectory information related to the time stamp and the authenticity of the dynamic image information at the time, and the dynamic image of the user at the time of signature is associated with the dynamic image information and the trajectory information and the time stamp. The time between the information and the signature track will prevent the track information from being tampered with. Therefore, the online account opening system of the present invention can enable the user to open an account in a remote manner in a secure financial environment, thereby achieving the purpose of saving the user's time cost and reducing the operating cost of the financial service provider. In addition, the online account opening system of this creation will further enhance the trust of users and financial service providers in electronic signatures. Therefore, it is also possible to achieve a safe and complete replacement for traditional users who need to personally go to the financial service provider who wants to open an account. The purpose of the procedures for opening an account at the place of business.

100, 300‧‧‧ online account opening system

110, 310‧‧‧ server

120, 320‧‧‧ mobile terminal

122, 322‧‧‧ touch screen

124, 324‧‧‧ front image capture module

126‧‧‧ storage module

128‧‧‧Control Module

S202‧‧‧Steps

S204‧‧‧Steps

S206‧‧‧ steps

S208‧‧‧Steps

S210‧‧‧Steps

S212‧‧‧Steps

S252‧‧‧Program Instructions

S254‧‧‧Program Instructions

S256‧‧‧ program instructions

S258‧‧‧ program instructions

S260‧‧‧ program instructions

350‧‧‧Electronic contract

352‧‧‧Confirmation button

354‧‧‧Signature box

356‧‧‧ Track Information

360‧‧‧Start recording button

362‧‧‧Timed box

364‧‧‧Red light button

370‧‧‧ Preview box

372‧‧‧Re-record button

374‧‧‧OK button

V1‧‧‧ images

V2‧‧‧ images

S402‧‧‧Steps

S404‧‧‧Steps

S406‧‧‧Steps

S408‧‧‧Steps

S410‧‧‧Steps

S412‧‧‧Steps

S414‧‧‧Steps

S416‧‧‧ steps

The online account opening system described in this creation will be further described in various embodiments. DETAILED DESCRIPTION OF THE INVENTION The detailed description of the embodiments is based on the accompanying drawings, and is a non-limiting embodiment, wherein like reference numerals indicate similar structures that are presented between the different views, and wherein: The system architecture diagram of the online account opening system of the first embodiment of the present invention. The second A diagram is a flow chart of the online account opening method according to the first embodiment of the present creation. The second B diagram is a schematic diagram of the execution of the computer program product according to the first embodiment of the present creation. The third A diagram is a system architecture diagram of the online account opening system according to the second embodiment of the present creation. The third B is a screen display diagram of the touch screen according to the second embodiment of the present invention. The third C diagram is a screen display diagram of the touch screen according to the second embodiment of the present creation. The fourth figure is a flow chart of the online account opening method according to the second embodiment of the present creation.

Claims (9)

An online account opening system includes: a mobile terminal that loads an electronic file for opening an account from a server line in an account opening process, the mobile terminal is configured with a touch screen, a front image capturing module, and a storage module And a control module, wherein the control module is configured to: display the electronic file and a confirmation button displayed on the touch screen during the account opening process; and trigger the confirmation button from the touch screen Confirming the message, associating the confirmation message with a time stamp to notify the server; enabling the front image capturing module to capture a dynamic image information and display the same on the touch screen, and receive a track from the touch screen Information; and correlating the motion picture information with the track information and the time stamp to notify the server. The online account opening system of claim 1, wherein the mobile terminal and the server remain connected during the account opening process. The online account opening system of claim 1, wherein the control module is configured to perform association between the confirmation message, the track information, and the dynamic image information and the time stamp, and upload and store the information on the server. The account opening system of claim 3, wherein the control module is configured to upload the track information and the dynamic image information to the server via an encryption method. For example, the online account opening system described in claim 1 is wherein the electronic file is an electronic contract associated with a financial service. The online account opening system of claim 1, wherein the dynamic image information is related to a user of a financial service signing the touch screen. For example, the online account opening system described in claim 1 is wherein the track information is related to a signature input by a user of a financial service on the touch screen. The online account opening system of claim 1, wherein the control module is configured to receive the track information from the touch screen during recording of the motion picture information. The online account opening system of claim 1, wherein the control module is configured to receive a static image information in the account opening process, wherein the static image information is captured by the front image capturing module. A static image of one of the users of financial services.