TWM583091U - Financial trading system - Google Patents

Abstract

A financial transaction system includes a financial transaction interface, a storage device, and a process control device, wherein the process control device is coupled to the financial transaction interface and the storage device. The financial transaction interface is used to receive financial transaction requirements and recipient information. The storage device is configured to store at least the pre-stored biometric information corresponding to the payee information and the account information of the financial account. The processing control device has a wireless communication port, and according to the information of the payee, inquires whether the payee device agrees to the financial transaction request through the wireless communication, and obtains the biological information to be identified from the recipient device when the payee device agrees to the financial transaction request, And when determining that the biometric information to be identified conforms to the pre-stored biometric information, selecting a financial account according to the pre-stored biometric information to perform a financial transaction corresponding to the financial transaction request.

Description

Financial trading system

This creation is about a financial trading system, especially about a financial trading system that includes biometric functions.

In daily life, there are often situations in which a transfer to another person’s account is required, such as a party or group purchase to transfer money to a paying person, or to provide relatives with filial piety, living expenses, red envelopes, and the like. These transfer actions require first obtaining information such as the bank and account of the payee (such as the above relatives and friends) (such as bank code, account number, etc.), then filling in the bank counter or entering account information through the bank ATM to transfer the account. In addition, when users want to deposit into their account, they also need to fill in their account information at the bank counter or enter it into the ATM to make a deposit.

However, the general public generally does not remember their account information, and does not carry passbooks with them, so it is difficult to obtain information about others or their own accounts. In addition, although the account information is remembered, in the process of filling out the form or entering the machine, there are often cases where the filling or input error occurs, resulting in the transfer or deposit failure, or even the situation of accidental transfer or deposit to another person's account.

In order to solve the above problems, the present invention provides a financial transaction system.

The financial transaction system disclosed in one embodiment of the present invention comprises a financial transaction interface, a storage device and a process control device, wherein the process control device is connected to the financial transaction interface and the storage device. The financial transaction interface is used to receive financial transaction requirements and recipient information. The storage device is configured to store at least the pre-stored biometric information corresponding to the payee information and the account information of the financial account. The processing control device has a wireless communication port, and according to the information of the payee, inquires whether the payee device agrees to the financial transaction request through the wireless communication, and obtains the biological information to be identified from the recipient device when the payee device agrees to the financial transaction request, And when determining that the biometric information to be identified conforms to the pre-stored biometric information, selecting a financial account according to the pre-stored biometric information to perform a financial transaction corresponding to the financial transaction request.

With the above structure, the financial transaction system disclosed in the present case allows the payer to provide financial transactions only by providing the device or biometric information of the payee by the prepayment of the financial account information, biological information and device information of the payee. Without having to remember or ask the payee for detailed financial account information, thereby improving the ease of operation of financial transactions, and avoiding the risk that the payer will provide incorrect account information and the transaction fails or is transferred to another account, thereby enhancing financial transactions. The accuracy. In addition, through the inquiry of the recipient's consent to the financial transaction request and the multiple confirmation of the biometric process, the payment party can avoid the money transfer into the head account, thereby achieving the effect of money laundering prevention.

The above description of the present invention and the following description of the embodiments are intended to demonstrate and explain the principles of the present invention, and to provide a further explanation of the scope of the patent application of the present invention.

The detailed features and advantages of the present invention are described in detail below in the embodiments, which are sufficient to enable any skilled artisan to understand the technical contents of the present invention and implement it according to the contents, the scope of the patent application and the drawings. Anyone familiar with the relevant art can easily understand the purpose and advantages of this creation. The following examples are intended to further illustrate the scope of this creation, but do not limit the scope of the creation in any way.

Please refer to FIG. 1. FIG. 1 is a functional block diagram of a financial transaction system according to an embodiment of the present invention. The financial transaction system 1 shown in FIG. 1 is used to execute a financial transaction between a payer and a payee. This creation does not restrict the payer from being the same person or different person from the payee, nor restricting the payer to People are still artificial wisdom. The financial transaction system 1 includes a financial transaction interface 11, a storage device 13, and a processing control device 15, wherein the processing control device 15 is connected to the financial transaction interface 11 and the storage device 13, and has a wireless communication port 151 for use with the recipient's device ( Later, the payee device 2) communicates.

The financial transaction interface 11 is used to receive financial transaction requirements and recipient information. Among them, the financial transaction requirement means the requirement to provide a specific financial item to a specific party; the payee information is the specific party, that is, the information of the execution object of the aforementioned financial transaction requirement. The financial transaction interface 11 can be composed of a screen and a button of the automatic teller machine, and can also be an input component of the user device, such as a touch screen of a mobile phone, a mouse keyboard of a computer, a microphone, and the like. In addition, the financial transaction interface 11 may also include a biological information detector such as a video camera, a tape recorder, a fingerprint sensor, an iris sensor, and the like.

The storage device 13 is configured to store at least the pre-stored biometric information corresponding to the aforementioned payee information and the account information of the corresponding financial account. In an embodiment, the storage device 13 may store one or more sets of binding information groups, where each group of binding information groups corresponds to a user, and at least includes pre-stored biometric information of the user, account information of the user's financial account, and Application information of the user's use device (eg, payee device 2). In an embodiment, the binding information group may include biometric information of the user's emergency contact, guardian, and the like as the backup biometric information, in addition to the pre-existing biometric information of the corresponding user. These binding information groups can be stored in the form of a lookup table, whereby the processing control device 15 performs a search for the corresponding material. The storage device 13 can be a flash memory, a read-only memory, a magnetic memory or other non-volatile storage medium, and can be disposed on a payment device (hereinafter referred to as a payment device) or at a remote end as a cloud. database.

The processing control device 15 is configured to determine the payee device according to the payee information from the financial transaction interface 11, and execute the biometric identification process of the payee to obtain the account information of the financial account of the payee from the storage device 13, In turn, the financial transaction corresponding to the financial transaction is executed for this financial account. The detailed operational mechanism will be described later. The process control device 15 can be a central processor, a microcontroller, a field programmable gate array, a special application integrated circuit, or other processor. In an embodiment, the processing control device 15 may include two processing controllers respectively disposed on a payer device (eg, an ATM, a mobile phone, a computer, etc.) and a remote device (eg, a cloud server) to perform financial transactions, respectively. Processing of biological information identification.

Please refer to FIG. 1 and FIG. 2 together. FIG. 2 is a flowchart of a method for operating the financial transaction system 1 according to an embodiment of the present invention.

In step S1, the financial transaction interface 11 of the financial transaction system 1 receives the financial transaction request and the payee information. Among them, the financial transaction requirement means the requirement to provide a specific financial item to a specific party, such as a transfer request, a deposit request, or a request to provide other financial items to a specific party; the payee information is the aforementioned specific party, that is, the aforementioned Information on the execution object of financial transactions. In an embodiment, the payee information may be application information of the payee's use device (receiver device 2), such as a phone number, a social software account, and the like. In another embodiment, the payee information may be the biometric information of the payee (hereinafter referred to as the target biometric information), such as facial images, voice prints, fingerprints, irises, etc., by using the aforementioned financial transaction interface 11 Can be included in the biometric information detector. In a usage scenario of this embodiment, the touch screen of the payer's mobile phone and the camera are used as the financial transaction interface 11, and the payment is made when the payer and the payee are in close proximity to each other (for example, a dinner party or a colleague). You can use your mobile phone to get the face image of the payee as the recipient information.

In step S2, the processing control device 15 of the financial transaction system 1 inquires of the payee device 2 whether or not to agree to the financial transaction request via the wireless communication port 151 based on the payee information obtained by the financial transaction interface 11. Further, in the embodiment in which the payee information is the application information of the payee device 2, the process control device 15 can issue an inquiry as to whether or not to agree to the transaction request based on the application information. For example, if the application information is a mobile phone number, the processing control device 15 can send an inquiry to the payee device 2 by sending a short message; for another example, the application information is an account of the social software. Then, the processing control device 15 can transmit the inquiry message through the social software.

In the embodiment in which the payee information is the target biometric information, the processing control device 15 determines that the target biometric information conforms to the pre-stored biometric information, determines the payee device, and issues a consent according to the application information corresponding to the payee device. Inquiries for financial transaction requirements. In detail, the processing control device 15 searches for the pre-stored biometric information corresponding to the target biometric information from the lookup table stored in the storage device 13 (as described above, including one or more sets of binding information groups), and determines the pre-stored biometric information. The application information corresponding to the biometric information belongs to the application information of the device (ie, the payee device 2) that the payer intends to perform the financial transaction. Next, the processing control device 15 then issues an inquiry as to whether or not to agree to the financial transaction request based on the application information. The implementation manner in which the inquiry is sent according to the application information is as described in the previous embodiment, and details are not described herein again.

When the process control device 15 receives a response from the payee device 2 that does not agree with the financial transaction request, the process control device 15 determines that the transaction is over. Further, the process control device 15 can thus shut down the system operation, or control the financial transaction interface 11 to display a message indicating that the transaction failed, or to display a message to re-submit the transaction request. When the process control device 15 receives a response from the payee device 2 agreeing to the financial transaction request, step S5 is performed.

In step S5, the process control device 15 requests the recipient device 2 for the biometric information to be recognized. The biometric information to be recognized is, for example, a facial image, a voiceprint, a fingerprint, an iris, and the like of an operator of the payee device 2, and the creation is not limited; and the method for executing the request is as in the previous step S3. Similar, no longer repeat them here. When the recipient device 2 receives the request from the processing control device 15, the built-in or externally connected biometric information extractor can be activated to obtain the biometric information to be recognized, and then transmitted to the processing control device 15.

Next, in step S7, the processing control device 15 receives and determines whether the biometric information to be recognized meets the pre-stored biometric information corresponding to the payee information. In detail, the processing control device 15 compares the biometric information to be recognized with the pre-stored biometric information stored in the binding information group corresponding to the payee information in the storage device 13, and when the similarity ratio is greater than a specific ratio, It will judge that the biometric information to be identified matches the pre-existing biometric information.

When the process control device 15 determines that the two do not match, it determines whether the transaction is closed and the system is shut down, or the financial transaction interface 11 is displayed to display a message indicating that the transaction failed or/and is re-traded. In another embodiment, when the processing control device 15 determines that the biometric information to be recognized does not match the pre-stored biometric information, the processing control device 15 may further determine whether the biometric information to be recognized meets the standby biometric information in the same binding information group. As mentioned above, the backup biological information refers to the biological information of the emergency contact person, guardian and other related persons of the user holding the financial account. In a use case of this embodiment, the holder of the financial account may not be in the vicinity of the payee device and cannot agree to the financial transaction request. With the setting of the backup bio-information, the holders of the financial account can authorize the relevant person to make their own financial transaction requirements in advance, and avoid the above inconvenience.

When the processing control device 15 determines that the biometric information to be recognized matches the pre-stored biometric information, step S9 is performed. In step S9, the process control device 15 selects a financial account based on the pre-stored biometric information to perform a financial transaction corresponding to the financial transaction request. In detail, the processing control device 15 can find the account information (stored in the same binding information group) corresponding to the pre-stored biometric information from the storage device 13, and determine that the financial account corresponding to the account information is corresponding to the financial transaction request. The execution object of the financial transaction, and providing the corresponding financial item to the financial account according to the financial transaction requirement.

Further, before executing the financial transaction, the processing control device 15 may first provide the account information of the determined financial account through the financial transaction interface 11, and when receiving the confirmation instruction associated with the account information through the financial transaction interface 11, Financial items corresponding to financial transaction requirements are provided to the determined financial account. For example, the process control device 15 may present the account information and the selection button for confirmation on the display screen of the ATM or the payer device as the financial transaction interface 11, and when the payer selects the confirmation button, the financial transaction interface 11 A confirmation command will be generated and transmitted to the process control device 15, which in turn performs the financial transaction.

The binding information group described in the preceding embodiment may be registered and stored by the payee prior to the financial transaction system 1 before the payer makes a financial transaction request. In detail, the payee can input the application information of the payee device 2, the biological information of the payee (pre-stored biological information), and the financial account of the payee through the payee device 2 or the financial transaction interface 11. The account information, the processing control device 15 integrates the above information into a set of binding information groups for storage in the storage device 13. Further, the financial transaction system 1 can accept registrations of multiple users and store multiple sets of binding information groups in the above manner.

Please refer to FIG. 1 to FIG. 3 together, wherein FIG. 3 is a schematic diagram of the operation of the financial transaction system according to another embodiment of the present creation. FIG. 3 exemplarily illustrates a usage scenario when the financial transaction system 1 of FIG. 1 performs the operation method of FIG. 2. The financial transaction system 1' includes elements substantially the same as the financial transaction system 1 shown in Fig. 1, and in this use case, the financial transaction system 1' is further divided into two parts, a cloud server 3 and a payer device 4. The above two are in communication with each other, wherein the cloud server 3 mainly performs a biometric process, and the payer device 4 mainly performs a financial transaction process. The cloud server 3 includes a first processing controller 31 and a storage device 33, and the payer device 4 includes a financial transaction interface 11, a second processing controller 43, and a wireless communication port 45. Each of the above elements is substantially similar to the components included in the financial transaction system 1 of FIG. 1, wherein the processing control device 15 of the financial transaction system 1 of FIG. 1 is divided into first and second processing controllers 31 and 43 in this use scenario. The functions are respectively set in the cloud server 3 and the payer device 4, and the detailed functions of the components are similar to those in the foregoing embodiments, and therefore will not be described again.

In this usage scenario, the payee RU can submit a registration application to the cloud server 3 of the financial transaction system 1' through the payee device 2, and further, the first processing controller 31 will accept the registration application and will be accepted. The information provided by the party RU is stored in the storage device 33. The detailed registration information is as described in the foregoing embodiments, and details are not described herein. The financial transaction system 1' can perform the operation method shown in Fig. 2. In step S1, the financial transaction interface 41 can receive the financial transaction request and the payee information provided by the payer PU. In steps S3 and S5, the second processing controller 43 searches the information of the payee device 2 in the storage device 33 in the cloud server 3 according to the payee information, and then submits the information to the payee device 2 through the wireless communication port 45. Whether to agree to the inquiry required by the financial transaction, and in response to the consent, request the recipient device 2 to provide the biological information to be identified.

Then, in steps S7 and S9, when the payee device 2 retrieves the biometric information of the payee RU and returns it to the payer device 4, the payer device 4 uploads the biometric information to be identified to the cloud server. The controller 3 determines, by the second processing controller 31, the relationship between the biometric information to be recognized and the pre-stored biometric information in the storage device 33, thereby determining the financial account, and then providing the information to the payer device 4 for the second processing control. The processor 43 performs a financial transaction. The above usage scenarios are merely illustrative, and the present creation is not limited thereto. In addition, the detailed implementation manners of the steps S1 to S9 in the above usage scenarios are also similar to those in the foregoing embodiments, and thus are not described herein again. According to the above embodiment.

With the above structure, the financial transaction system disclosed in the present case allows the payer to provide financial transactions only by providing the device or biometric information of the payee by the prepayment of the financial account information, biological information and device information of the payee. Without having to remember or ask the payee for detailed financial account information, thereby improving the ease of operation of financial transactions, and avoiding the risk that the payer will provide incorrect account information and the transaction fails or is transferred to another account, thereby enhancing financial transactions. The accuracy. In addition, through the inquiry of the recipient's consent to the financial transaction request and the multiple confirmation of the biometric process, the payment party can avoid the money transfer into the head account, thereby achieving the effect of money laundering prevention.

Although the present invention has been described above with reference to the preferred embodiments thereof, it is not intended to limit the present invention, and anyone skilled in the art can make some changes and refinements without departing from the spirit and scope of the present invention. The scope of patent protection of the creation shall be subject to the definition of the scope of the patent application attached to this specification.

1, 1'‧‧‧ Financial Trading System  2‧‧‧receiver device  3‧‧‧Cloud Server  4‧‧‧Payment device  11, 41‧‧‧ financial transaction interface  13, 33‧‧‧ storage devices  15‧‧‧Processing control device  151, 45‧‧‧Wireless communication埠  31‧‧‧First Processing Controller  43‧‧‧Second processing controller  RU‧‧‧Recipients  PU‧‧‧Payer  

1 is a functional block diagram of a financial transaction system according to an embodiment of the present invention.  2 is a flow chart of a method of operating a financial transaction system according to an embodiment of the present invention.  FIG. 3 is a schematic diagram of the operation of the financial transaction system according to another embodiment of the present creation.  

Claims (5)

A financial transaction system comprising: a financial transaction interface for receiving a financial transaction request and a recipient information; a storage device for storing at least a pre-stored biological information and a financial account corresponding to the recipient information And a processing control device connected to the financial transaction interface and the storage device, and having a wireless communication port, the processing control device queries a payee through the wireless communication device according to the recipient information Whether the device agrees to the financial transaction request, and obtains a to-be-identified biological information from the payee device when the payee device agrees to the financial transaction request, and when determining that the to-be-identified biological information meets the pre-stored biological information, according to the Pre-existing biometric information selects the financial account to execute a financial transaction corresponding to the financial transaction request. The financial transaction system of claim 1, wherein the payee information includes a target biometric information, and the processing control device performs, according to the payee information, whether the payee device agrees to the financial transaction request, Determining that the target biometric information conforms to the pre-existing biometric information, determining the payee device, and issuing an inquiry whether to agree to the financial transaction request according to an application information corresponding to the payee device. The financial transaction system of claim 1, wherein the payee information includes an application information of the payee device, and the processing control device executes, according to the payee information, whether the payee device is Agreeing to the financial transaction request is based on the application information to issue an inquiry as to whether or not to agree to the financial transaction request. The financial transaction system of claim 1, wherein the processing control device performs the financial transaction corresponding to the financial transaction by selecting the financial account according to the pre-existing biological information, and providing the financial transaction through the financial transaction interface. The account information of the account, and providing a financial item to the financial account according to the financial transaction request upon receiving a confirmation instruction associated with the account information. The financial transaction system of claim 1, wherein the processing control device further stores an application information of the payee device, the pre-stored biometric information, and the account information of the financial account as a first binding information group. In the storage device, another application information of another payee device, another pre-stored biometric information of the payee corresponding to the other payee device, and another account information of another financial account As a second binding information group is stored in the storage device.