TWM596928U - Internet bank system - Google Patents

Abstract

An internet bank system includes a transaction device and a first user device. The transaction device includes a data base and a processor. The data base is configured receive at least one identification information. The processor is configured to produce an certification information based on the identification information. The first user device is electrically connected to the transaction device. The first user device includes a transfer device and a user interface. The transfer device is configured to produce operation instruction to the transaction device. The user interface is configured to receive the certification information from the processor based on the operation instruction.

Description

Internet Banking System

This disclosure is about an online banking system.

The use of personal online banking and mobile online banking to transfer funds is becoming more and more popular. However, if the user enters the payee's account incorrectly, the transferee shall bear the responsibility. Fraudsters often impersonate prosecutors, judges, or other identities sufficient to convince the fraudsters, and induce the fraudsters to operate automatic money transfer machines or mobile devices to transfer money to the fraudsters, causing social problems.

In view of this, one of the purposes of this disclosure is to propose an online banking system that enables the transferee to compare the verification data provided by the transaction-end device with the payee it wants to transfer to avoid transfer fraud.

In order to achieve the above object, according to an embodiment of the present disclosure, an internet banking system includes a transaction device and a first client device. The transaction device includes a database and a processor. The database is configured to receive at least one identity information. The processor is configured to generate verification information based on the identity information. The first client device is electrically connected to the transaction device, and the client device includes a transmission device and a user interface. The transmission device is configured to generate operation instructions to Trading device. The user interface is configured to receive the verification information from the processor according to the operation instructions.

In one or more embodiments of the present disclosure, the identity information includes a name.

In one or more embodiments of the present disclosure, the verification information includes a part of the name.

In one or more embodiments of the disclosure, the identity information includes photos.

In one or more embodiments of the present disclosure, the operation instruction includes a transfer transaction.

In one or more embodiments of the present disclosure, the user interface is also configured to display the verification data.

In one or more embodiments of the present disclosure, the online banking system further includes a second client device configured to generate identity information.

In one or more embodiments of the present disclosure, the processor is further configured to transmit consent information to the second client device according to the identity information.

In one or more embodiments of the present disclosure, the second client device is further configured to generate a processor that replies to the transaction device according to the consent information.

In one or more embodiments of the present disclosure, the transaction-end device is also configured to generate verification information based on the reply.

In the above-mentioned embodiments of the present disclosure, the transfer operator can compare the verification data provided by the transaction terminal device with the object to be transferred to avoid the transfer fraud event and improve the transfer accuracy.

100: Internet banking system

110: first client device

112: Transmission device

114: User interface

120: Transaction device

122: Database

124: processor

130: second client device

D1: Identity information

D2: Check the information

I1: Operation instruction

I2: Consent information

R: Reply

S11, S12, S13, S14: steps

S21, S22, S23, S24: steps

FIG. 1 is a block diagram of an internet banking system according to an embodiment of the present disclosure.

FIG. 2 is a flowchart of the operation of the online banking system according to an embodiment of the present disclosure.

FIG. 3 is a flowchart of the operation of the online banking system according to an embodiment of the present disclosure.

In the following, a plurality of implementation methods of this creation will be disclosed in a diagram. For the sake of clarity, many practical details will be described in the following description. However, it should be understood that these practical details should not be used to limit this creation. That is to say, in the implementation of this creative part, these practical details are unnecessary. In addition, in order to simplify the drawings, some conventional structures and elements will be shown in a simple schematic manner in the drawings.

In the embodiments and the scope of patent applications, the description relates to "connection", which can refer to a component that is indirectly electrically coupled to another component through another component, or a component is directly and electrically connected to another component without other components . In the embodiment and the scope of applying for a patent, unless there is a special limitation on articles in the text, "a" and "the" may refer to a single one or plural ones.

FIG. 1 is a block diagram of an internet banking system 100 according to an embodiment of the present disclosure. Internet banking system 100 includes a first client device 110 and the transaction device 120. The transaction device 120 includes a database 122 and a processor 124. The database 122 is configured to receive at least one identity information of the user (for example, represented by D1). The processor 124 is configured to generate collation information based on the identity information D1 (for example, represented by D2). The first client device 110 is electrically connected to the transaction device 120. The first client device 110 includes a transmission device 112 and a user interface 114. The transmission device 112 is configured to generate an operation instruction (for example, represented by I1) to the transaction device 120. The user interface 114 is configured to receive the verification information D2 from the processor 124 according to the operation command I1.

The online banking system 100 further includes a second client device 130 configured to generate the user's identity information D1. In some embodiments, the identity information D1 may include the user's name, and the verification information D2 may include a portion of the user's name. For example, the verification information D2 may include two words of the user's name, and one of the words is replaced with a symbol to ensure user privacy. In some embodiments, the identity information D1 may include a photo of the user. In some embodiments, the identity information D1 may include the user's name and photo.

In this embodiment, the operation instruction I1 is a transfer transaction. The user interface 114 is also configured to display the verification information D2 to the operator. In other words, in this embodiment, the operator of the first client device 110 transfers the funds to the user of the second client device 130, and the identity information D1 is provided by the user of the second client device 130.

In some embodiments, the processor 124 is further configured to transmit consent information (eg, represented by I2) to the second user terminal based on the identity information D1 Set 130. The second client device 130 is configured to generate a reply (for example, indicated by R) to the processor 124 of the transaction device 120 according to the consent information I2. In some embodiments, the transaction device 120 is configured to generate the verification information D2 according to the reply R. In other words, the user can determine how much identity information D1 can be displayed for the operator to view through the consent information I2, and generate a reply R to the processor 124 of the transaction device 120, so that the processor 124 generates the verification information D2. In this way, when the operator wants to transfer money to the user, he can first check whether the information D2 is consistent with the transfer object encountered by the operator through comparison to avoid transfer fraud incidents and improve the accuracy of transfer.

FIG. 2 is a flowchart of the operation of the online banking system 100 according to an embodiment of the present disclosure. The components described above will not be described in detail in the subsequent process, and will be described first. Please refer to FIG. 2, the following process will explain the process of generating the verification information D2 based on the identity information D1. In step S11, the second client device 130 generates the identity information D1 to the database 122 of the transaction device 120. For example, the user can provide the user name and upload the user's photo when operating the mobile online banking. Then in step S12, the processor 124 of the transaction terminal device 120 transmits the consent information I2 to the second client device 130 according to the identity information D1. For example, in some embodiments, the consent information I2 is to ask the user whether to display the photo and the user's full name. In some embodiments, the consent information I2 is to ask the user whether to display a photo or a part of the user's name. Then in step S13, the second client device 130 generates a reply R to the transaction device 120 based on the consent information I2. For example, in some embodiments, the user can select the identity information D1 to be displayed to the operator, for example, only Display photos or (part of) names. Then in step S14, the transaction terminal device 120 generates verification information D2 according to the reply R, that is, a part of the user's identity information D1 that the operator will view.

FIG. 3 is a flowchart of the operation of the online banking system 100 according to an embodiment of the present disclosure. Referring to FIG. 3, the following flow will explain the process of executing the operation instruction I1 based on the verification information D2. In step S21, the transmission device 112 of the first client device 110 generates an operation instruction I1 to the transaction device 120. The operation instruction I1 is for the operator to perform a transfer transaction, and the transfer target is the user. In step S22, the processor 124 of the transaction terminal device 120 transmits the verification information D2 to the user interface 114 of the first client device 110 according to the operation instruction I1. In other words, when the processor 124 receives the instruction of the transfer transaction, the processor 124 transmits the verification information D2 of the user who receives the transfer to the user interface 114. In step S23, the user interface 114 displays the verification information D2 to the operator. In other words, the operator can view (part of) the user's name or photo from the user interface 114. In step S24, the user compares the verification information D2 and then executes the operation command I1. In other words, the user can continue to perform subsequent transfer operations after confirming that the transfer object is correct after checking the verification information D2. In this way, when the operator wants to transfer money to the user, he can first check whether the information D2 matches the transfer object that the operator wants to avoid by transferring fraud to improve the accuracy of the transfer.

Although this disclosure has been disclosed as above by way of implementation, it is not intended to limit this disclosure. Anyone who is familiar with this skill will not deviate from the spirit of this disclosure Within the scope and scope, various modifications and retouches can be made, so the scope of protection disclosed in this disclosure shall be subject to the scope defined in the attached patent application.

100: Internet banking system

110: first client device

112: Transmission device

114: User interface

120: Transaction device

122: Database

124: processor

130: second client device

Claims (10)

An online banking system, including: A transaction device, including: A database configured to receive at least one identity information; and A processor configured to generate verification information based on the identity information; and A first client device is electrically connected to the transaction client device. The first client device includes: A transmission device configured to generate an operation command to the transaction device; and A user interface is configured to receive the verification information from the processor according to the operation instruction. The internet banking system according to claim 1, wherein the identity information includes a name. The internet banking system as described in claim 2, wherein the verification information includes a part of the name. The internet banking system according to claim 1, wherein the identity information includes a photo. The internet banking system according to claim 1, wherein the operation instruction includes a transfer transaction. The internet banking system of claim 1, wherein the user interface is further configured to display the verification information. The internet banking system as described in claim 1, further comprising: A second client device is configured to generate the identity information. The internet banking system of claim 7, wherein the processor is further configured to transmit a consent information to the second client device based on the identity information. The internet banking system according to claim 8, wherein the second client device is further configured to generate a reply to the processor of the transaction device based on the consent information. The internet banking system according to claim 9, wherein the transaction-end device is further configured to generate the verification information according to the reply.

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