TWM598987U - System for verifying financial service access privilege using different computer sequences - Google Patents

Abstract

A system for verifying financial service access privilege using different computer sequences is provided. The system includes a financial service system and a computer program for performing verification. In an aspect, for implementing verification to access the financial service, a first computer program and a second computer program are executed in two devices. In as aspect, the second device accesses a financial service from the financial service system, and a verification request is sent to a verification system. A verification code is generated in the verification system and provided to the second device. The first device that provides verification obtains the verification code from the second device and transmits it to the verification system. A verification result is generated by comparing the codes and informed to the financial service system for determining whether or not allowing the second device to access the financial service.

Description

System for verifying access rights of financial services using different computer programs

This creation relates to a technology for verifying financial services, especially a system that provides a verification module and uses different computer programs on the user side to verify the identity of the financial service provider.

Common financial service providers provide users with financial services that are not restricted by time and space through the Internet. However, financial service providers need to pass various identity verification mechanisms to provide safe and secure online financial services, such as requiring users to set up financial account deposits. Obtain the password and perform data encryption during the transmission process to avoid data leakage.

However, even with rigorous data encryption technology and more secure password setting skills, improper data security measures will inevitably result in various identity data being stolen and endanger the security of the entire online financial service. Therefore, relevant information security technologies have developed like a one-off Security verification technologies such as One-Time Password (OTP) and biometric technology.

As far as practicality is concerned, financial industry still needs more secure and rigorous identity verification technology to prevent counterfeiters from stealing identity information and causing financial losses.

The disclosure discloses a system that uses different computer programs to verify access rights to financial services. It provides an identity verification mechanism and proposes a verification system so that the system can use different computer programs on the user side to verify the identity of users accessing specific financial services .

According to an embodiment of the system, the system for verifying access rights to financial services using different computer programs includes a financial service system with a network server that can provide the second computer program to access specific financial services via the network, and provide the first The computer program executes a verification program and additionally provides a verification system. The verification system is used to provide verification services to the financial service system, and can generate a verification code according to a verification request made by the financial service system.

The financial service system executes the method of using different computer programs to verify the access authority of financial services.

The financial service system can be a stand-alone server system that can cover the role of online banking and mobile banking that serves mobile devices to access financial services. In the method, first receives a financial service from a second computer program in the user device Request, in which access to a financial service is requested, the financial service system continues to request a verification service from a verification system, the verification system generates a verification code, and then the financial service system receives the verification code and delivers it to the second computer in the user device A procedure in which the second computer program calculates a verification information according to the verification code and transmits it to the first computer program, and then the first computer program obtains the verification code from the verification information, and then transmits it to the verification system for comparison by the verification system A verification result is generated after the front and back verification codes. When the financial service system actively or passively obtains the verification result, it can decide whether to provide the second computer program to access the financial service according to the verification result.

Further, the first computer program and the second computer program can run on the same user device, or they can be run on different devices. The first computer program can be a mobile service program, once the verification is obtained from the second computer program The code is re-transmitted to the verification system to perform verification. The second computer program may be a web browser program or a specific software program for accessing financial services in the financial service system.

According to the embodiment, the verification system may be an independently operating system or a program executed in a specific server. For example, the verification system may be installed in a mobile bank to provide verification services.

Further, the first computer program runs on the first device, and the second computer program runs In the second device, the first computer program can obtain the verification code from the second computer program. The method includes, when the second computer program obtains the verification code from the financial service system, the calculation forms a verification information. The verification information can be various The form of sending the verification code to the first computer program, such as QR Code, after which the first computer program obtains the verification information from the second device, and converts the verification code.

In order to further understand the features and technical content of the present invention, please refer to the following detailed description and drawings about the present invention. However, the drawings provided are only for reference and explanation, and are not used to limit the present invention.

12: Financial Services System

15: Verification module

10: Internet

13: The first device

14: Second device

20: Internet

22: Financial Services System

201: User database

211: Identification Data

212: Registration Information

203: web server

24: verification module

26: User device

40: Internet

41: Online Banking

42: Mobile Banking

45: verification module

43: The first device

44: second device

50: Internet

51: Online Banking

52: Mobile Banking

55: Verification System

53: The first device

54: second device

63: Online Banking

64: Mobile Banking

65: verification module

61: The first computer program

62: second computer program

Steps S301~S311: One of the processes for verifying access rights to financial services using different computer programs

Steps S601~S623: The second process of verifying access rights to financial services using different computer programs

Figure 1 shows a schematic diagram of an embodiment of a system for verifying access rights to financial services using different computer programs; Figure 2 shows a functional embodiment diagram of a financial service system in a system that uses different computer programs to verify access rights to financial services; Figure 3 shows using different computers A flowchart of an embodiment of a method for verifying access rights to financial services by programs; Figure 4 shows a schematic diagram of another embodiment of a system for verifying access rights to financial services using different computer programs; Figure 5 shows how to verify access rights to financial services using different computer programs A schematic diagram of another embodiment of the system; FIG. 6 shows a flowchart of a method for verifying access rights of financial services by using different computer programs.

The following is to illustrate the implementation of this creation through specific specific examples. Field technicians can understand the advantages and effects of this creation from the content disclosed in this specification. This creation can be implemented or applied through other different specific embodiments, and various details in this specification can also be modified and changed based on different viewpoints and applications without departing from the concept of this creation. In addition, the drawings of this creation are merely schematic illustrations, and are not depicted in actual size, and are stated in advance. The following implementations will further describe the related technical content of this creation in detail, but the disclosed content is not intended to limit the protection scope of this creation.

It should be understood that although terms such as “first”, “second”, and “third” may be used herein to describe various elements or signals, these elements or signals should not be limited by these terms. These terms are mainly used to distinguish one element from another, or one signal from another signal. In addition, the term "or" used in this document may include any one or a combination of more of the associated listed items depending on the actual situation.

The manual reveals a system that uses different computer programs to verify access rights to financial services. The main concept is that when users access specific financial services through the Internet, they can use a computer program that is different from accessing financial services (the second computer program). ) Another computer program (the first computer program) or a different device performs identity verification, so that the financial service system can allow the computer device to log in and access specific financial services after the verification is successful. The second computer program may be a software program running on a personal computer, which provides users with access to a financial service online, and the first computer program is preferably a mobile service program running on a user’s personalized mobile device (such as APP), used to perform identity verification; the second computer program runs on a computer device that accesses financial services, which can be a web browser, used to log in to financial services web pages and access the services therein, or can be executed A software program (such as APP) in a mobile device for logging in and accessing financial services.

[First Embodiment]

According to the disclosed embodiments of the system for verifying access rights to financial services by using different computer programs, the system architecture can refer to one of the embodiments shown in FIG. 1, in which the running method mainly operates In the financial service system 12, the financial service system 12 can cover the roles of online banking, mobile banking, etc., and a verification module 15 is proposed. The verification module 15 can be an independent server, or it can be executed in online banking or mobile banking. The software programs in, are used to provide services for verifying the permissions of different computer programs to access financial services. The system also provides end users with computer programs running on the same or different devices. As shown in the figure, the second device 14 used to access specific financial services, which operates like a second computer program, and is used to assist in verifying user identity. The first device 13 operates as a first computer program. However, the first and second computer programs can still be different computer programs running on the same device in certain embodiments.

According to the illustrated embodiment, the financial service system 12 provides various financial services, such as deposit and withdrawal, transfer, check account balance, payment transactions, and so on. When the user operates the second device 14 to connect to the financial service system 12 via the network 10, the financial service system 12 provides online financial services, such as online banking or mobile banking. The user can access the financial services through the second device 14 Financial services provided by the service system 12. While accessing a certain financial service, the financial service system 12 will send a verification request to the verification module 15.

The verification module 15 can be a stand-alone server system or a verification program executed in an online bank or a mobile bank. After receiving the verification request from the financial service system 12, the verification module 15 can generate a unique identification code as a verification code for verifying the access authority of the financial service. The verification code can be transmitted through the network 10 to the second person who originally requested the financial service. In the device 14, the first device 13 that performs identity verification reads the verification code from the second device 14, for example, scanning a one-dimensional or two-dimensional barcode (such as QR Code) generated by the verification code, or other forms of verification information, For example, when a wireless identification code (NFC code), voice or alphanumeric string is transmitted to the first device 13, the first device 13 then transmits it to the verification module 15, and the verification module 15 performs verification.

In the verification module 15, the verification code sent by the first device 13 can be compared with the verification code generated in the same program and provided to the second device 13, thereby verifying the identity of the first device 13. The user’s identity is verified. When the comparison confirms that the verification code matches or does not match, a verification result is generated, which will be provided to the financial service system 12, and the financial service system 12 will determine whether the second device 13 can access the financial service. When the verification result is consistent, the financial service system 12 will approve access to the financial service in accordance with the user's authority.

According to one embodiment, referring to the above process, a first computer program, such as a mobile service program (APP), is run in the first device 13 to log in to the mobile bank in the financial service system 12, and in this process is used for verification The computer program of the user identity. A second computer program runs in the second device 14 for logging in and accessing the online banking in the financial service system 12, and requesting access to the financial services therein. The second computer program may be the one running in the second device 14 Web browsers, specific software programs, or apps provided by financial service providers.

When using a mobile service program (the first computer program) to verify access to a financial service, the user can operate the second device 12 to log in to the financial service system 12, which is different from the traditional method of requiring an account and password. When the financial service system 12 When the user wants to log in to the service (the second computer program), the financial service system 12 can check the internal database to verify the identity authentication device set by the user based on the user identification data, such as the user account (User ID). Corresponding to the phone number and network identity), a verification request is sent to the verification module 15 so that the verification module 15 verifies the first device 13 on the user side according to the information provided by the financial service system 12.

According to an embodiment, the first and second computer programs can run on the same user device, wherein the user device can send a financial service request to the financial service system 12 by the second computer program, and the second computer program can be a transaction In the payment procedure, the financial service request can be a payment request, which can be passed to the first computer program to complete the verification after receiving the verification code. The first computer program is a mobile service program, that is, the verification can be completed by logging in to the mobile bank, that is, the payment is authorized.

Figure 2 further describes a functional embodiment diagram showing the financial service system in the system that uses different computer programs to verify access rights to financial services.

Referring to the embodiment diagram described in Figure 1, this example shows that the financial service system 22 has a user database 201, which records the user's registered identification data 211, the user's identity data, network identity ID, usage User ID, etc.; and registration information 212. The registration information 212 is the information registered when the user is registered, such as the device performing identity verification (such as the first device) and the communication data in it, such as phone number, device Hardware information (such as IMEI, etc.), etc. The financial service system 22 is provided with a web server 203 for users to log in and access financial services through the network 20. The web server 203 is particularly for websites that provide various financial services, and receives users to operate the user device 26 for web browsing. Access to financial services.

In this embodiment, compared with the above-mentioned embodiment, the first computer program and the second computer program can be two computer programs running on the user device 26, and the second computer program is used to access the financial service system 22 For financial services, the first computer program is used to communicate with the verification module 24 to perform identity verification.

For example, when the user operates the user device 26, opens a second computer program, such as a web browser, and connects to the website (web server 203) of the financial service system 22 through the network 20, at this time, it runs in the financial service The program in the system 22 compares the user database 201 with the user's identification data, and derives a way to verify the user's identity from the identification data 211 and the registration data 212 therein. In this example, the financial service system 22 can send information requesting verification to the verification module 24, and can provide corresponding user identification data. The verification module 24 can be a verification program running on a specific server, including a verification program that can be set on the Internet. It may also be a verification function running in the financial service system 22 in a road bank or mobile bank. After the verification code is generated by the verification module 24, the verification code is sent back to the financial service system 22, and the financial service system 22 provides the verification code in the first computer program in the user device 26 according to the user identification data.

The first computer program transmits the received verification code to the verification module 24, and the verification module 24 compares the previously generated verification code with the currently received verification code to verify the user's identity. The verification result will provide the financial service system 22. If the verification is successful, the second computer program in the user device 26 is allowed to log in and access the financial service.

Among them, if the user device 26 is a common mobile device with a camera module and various biometric recognition modules, the user can use various identification technologies (such as passwords, facial recognition, etc.) when operating the first and second computer programs. Fingerprint recognition, etc.) reconfirm the user's identity, with higher security.

FIG. 3 shows a flowchart of an embodiment of a method for verifying access rights to financial services by using different computer programs that operate according to the system architectures of FIG. 1 and FIG. 2.

In this process, initially as in step S301, the financial service system receives a financial service request from a second computer program (such as running on a second device), requesting access to a financial service. At this time, in step S303, the financial service system will request the verification service. According to the embodiment, the financial service system requests the verification service from the verification module, and the verification module may be a software function in the financial service system. Provide verification services; or, the verification module can be an independent system that can receive verification requests from various parties (including financial service systems) to generate verification codes; in another solution, the verification module can be installed in online banking or It is in the mobile bank and uses a specific algorithm to generate a verification code.

After that, in step S305, the financial service system receives the verification code from the verification module, and the verification code is preferably a one-time unique identification code. In step S307, the financial service system provides the verification code to the first computer program, and the first computer program transmits the verification code to the verification module. Among them, the method of obtaining the verification code by the first computer program, for example, can be passed to the first computer program by accessing the second computer program of the financial service. When the first and second computer programs are running on the same device, the user can manually Input, or transfer in the program; or when the first and second computer programs are running on different devices, you can manually input or scan, so that the first computer program can directly or indirectly receive the verification code. For example, when the verification code is provided by the financial service system to the second computer program, the software The calculated verification information can be displayed on the display screen, and then read or write down the displayed verification information in the first computer program, so that the first computer program obtains the verification code.

At this time, the first computer program transmits the obtained verification code to the verification module, and the verification module compares the initially generated verification code with the verification code received from the first computer program this time to generate a verification result. In step S309, The financial service system can obtain the verification result from the verification module in the independent operation, running in the online bank or the mobile bank. The financial service system then receives the verification result from the verification module. In step S311, the financial service system may decide whether to provide financial services according to the verification result.

According to an embodiment, the financial service system can actively or passively obtain the verification result from the verification module, so that the financial service system determines whether to provide the financial service requested by the second computer program based on the verification result and other verification information or agreed information.

The system that implements methods for verifying access rights to financial services using different computer programs includes at least the various end devices described below, such as financial service systems that provide financial services (such as deposits, loans, investment and wealth management, payment and credit cards), and A verification module that provides verification services. The user device side is one or more computer devices operated by the user, including devices for accessing financial services and authentication.

[Second Embodiment]

According to the schematic diagram of the system embodiment shown in Fig. 4, the financial service system is divided into two service systems: online banking 41 and mobile banking 42, which jointly serve users through the network 40, and has a verification module in the mobile banking 42 45. The mobile bank 42 verifies the first device 43 (such as a mobile phone) for verifying the user's authority to access the online bank 41 through the second device 44 (such as a personal computer).

According to the system architecture shown in the diagram, the end user can operate the second device 44 to connect to the online bank 41 that provides financial services, and can use web pages or specific software programs to generate financial service requests. The request can include source and destination information. Network and device information (such as the user’s device, browser, telecommunications and network services), information about items that access financial services, and users Identity information, such as User ID, can be sent to online banking 41 together.

After that, the online bank 41 requests a verification service from the mobile bank 42, and the verification module 45 performs verification, including generating a verification code for verifying the current process. After that, it can be compared and used according to the received user-related identity information. Another user device for verification, such as the first device 43 in the figure, is, for example, a mobile device carried by the user. At this time, the mobile bank 42 can first transfer the verification code or other forms to the online bank 41, and provide it to the second device 44, so that the user can obtain the verification code through the first device 43.

According to one of the embodiments in which the first device 43 obtains the verification code, when the second device 44 receives the verification code sent by the online banking 41, the software program running therein can calculate a verification information based on the verification code. The verification information may be a kind of The verification graphic, such as a one-dimensional bar code or a two-dimensional bar code (QR code), can be displayed on the display screen of the second device 44 and read by the first device 43; or, the verification information can be a set of strings, The user transcribes or reads images to the first device 43.

One of the methods for transmitting the verification code to the first device 43 is to use the camera module on the first device 43, and the mobile service program executed therein drives the camera module to shoot the verification image displayed on the screen of the second device 44 , After scanning the verification graphic with the scanner, obtain the verification code in the verification information.

The verification code can be set with a time limit, that is, the transmission and verification must be completed within a set time to prevent the verification code from becoming invalid. The first device 43 can log in to the mobile bank 42 and transmit the obtained verification code to the mobile bank 42, and the verification module 45 compares the verification code generated before with the verification code received at this time to generate a verification result. It is mentioned here that the verification method proposed in the manual does not limit the sequence of logging in to the mobile bank 42 and the first device 43 to obtain the verification code. The first device 43 can receive the verification code after logging in to the mobile bank 42 , You can also log in to the mobile bank 42 after receiving the verification code. Furthermore, the method of verifying the first device 43 is not limited to logging in to the mobile bank 42, and it can still be verified by connecting to other hosts. For the method of transmitting the verification code, for example, The verification code can be transmitted by the first device 43 through a push broadcast of the financial service program to the mobile bank 42 or a designated verification host. In addition to the push broadcast, SMS or email may also be used. Send verification code.

After that, according to an embodiment, the online bank 41 can actively or passively receive the verification result. For example, the online bank 41 can generate a query message to obtain the verification result, or the mobile bank 42 can actively send the verification result to the online bank. 41. When the verification result shows that the verification is successful, the online bank 41 can exchange information with the second device 44, indicating that it can log in to the system and access specific financial services. Conversely, if the comparison result of the verification module 45 shows that the verification codes received twice do not match, it indicates that the verification has failed, and the online bank 41 can also be notified to deny the second device 44 to log in and access financial services.

In addition to the above example of using the first device 43 to verify that the second device 44 accesses the online bank 41, it is not ruled out that the second device 44 can also be used to verify the way the first device 43 accesses the mobile bank 42.

The network service system 13 is a server corresponding to the first device 11, which can connect the financial service system 10 and the verification system 14 that performs verification. The verification system 14 is a system that provides verification services and verification results of the network service system 13, such as a device verification system, a certificate verification system, an online banking server, a multiple identity verification system, and the like. According to an embodiment, the financial service system 10, the network service system 13 and the verification system 14 may be different services running on one server system, or may be services running on two or more different server systems.

When the network service system 13 receives the verification request, it will generate a verification code, preferably a unique and one-time verification code, and provide it to the financial service system 10 so that the first computer program running in the first device 11 can be directly or Indirectly obtain the verification code generated by the network service system 13. After that, the first computer program can directly send the received verification code and related information to the verification system 14 or through the network service system 13 to the verification system 14 for verification.

After that, the financial service system 10 can obtain the verification result from the verification system 14. If the verification is successful, it accepts the second device 12 to log in and access the financial service; otherwise, if the verification is unsuccessful, it means Reject the second device 12 to log in.

According to the above-mentioned embodiment of the system for verifying financial services using mobile service programs, the network 100 is such as the Internet, and various end devices and servers communicate with each other through the network 100, and the financial service system 10 is such as a specific online bank or It is a financial service that serves customers through the Internet. The user device can be divided into a first device 11 and a second device 12. The first device 11 can generally be a mobile device for verifying the identity of the user, in which the financial service system 10 is installed. A financial service program is an APP. The second device 12 can be a computer device that requires access to financial services, which is different from the first device 11. The second device 12 can be a desktop computer, a notebook computer, a smart TV, or a tablet Computer etc. The network service system 13 can be a telecommunications or network service provider used by users, as a service provider for information transmission and generation of verification codes. The verification system 14 may be a verification program running on a server of the financial service system 10 or the network service system 13, or a verification service provided by a third-party industry.

[Third Embodiment]

FIG. 5 shows a schematic diagram of another embodiment of a system for verifying access rights to financial services using different computer programs. For the method flow, please refer to the flowchart of the embodiment shown in FIG. 6.

The figure shows a financial service system formed by an online bank 51 and a mobile bank 52, which can be connected to each other through the network 50. An independent verification system 55 is also proposed. The user-side devices include a first device 53 and a second device 54. It is also connected to the corresponding system through the network 50. For example, the first device 53 is installed with relevant financial service applications, which can be used to obtain the financial services provided by the online bank 51, and the second device 54 is connected to the mobile bank 52. To obtain financial services provided by mobile bank 52.

Through the verification system 55, the first device 53 and the second device 54 can be mutually verified by the verification system 55, that is, the second device 54 can first obtain the mobile bank 52 or the verification system when requesting the financial services provided by the online bank 51 55, the verification code is read by the first device 53, and then it can be submitted to the verification system 55 via the mobile bank 52. In this way, the verification system 55 can ensure The identity of the user who accesses the financial service for the second time is correct, and the online bank 51 is notified to provide the service.

Compared with the process shown in Figure 6, the above-mentioned online bank 51 is compared with the online bank 63 in Figure 6, and the mobile bank 52 is compared with the mobile bank 64 in Figure 6. The verification system 55 can be an independently operated third-party server system. Fig. 6 shows a verification module 65 that can run in various systems. The first device 53 runs a first computer program 61, and the second device 54 runs a second computer program 62, and the first computer program 61 and the second computer program 62 can run on one user device at the same time.

In this process, at first, in step S601, the second computer program 62 requests a specific financial service from the online bank 63, and then in step S603, the online bank 63 requests a verification service from the mobile bank 64, such as requesting an action The device verifies the identity of the user. In step S605, the mobile bank 64 generates a verification code, preferably a unique identification code, and in step S607 of this example, the mobile bank 64 provides the verification code to the online bank 63, so that the first computer program 61 to be verified is The verification code is obtained in an active or passive manner, so that the verification code can be sent to the verification module 65 or through the mobile bank 64 for verification. At the same time as step S607 or within a short period of time, as in step S609, the mobile bank 64 also provides the verification code to the verification module 65.

In step S611, when the online banking 63 obtains the verification code, the verification information displayed on the second computer program 62 can be converted and then provided to the first computer program 61, as shown in step S613. When the first computer program 61 obtains the verification code, at this time, in step S615, it can be required to log in to the mobile bank 64 to provide the verification code to the mobile bank 64, and then in step S617, the mobile bank 64 sends the verification code to the verification module 65 for execution verification. The verification module 65 in this example can be a software program running on a specific server, or a server system that provides verification for independent operation, and then generates a verification result, such as step S619, which is actively provided or passively requested by the verification module 65 The verification result is sent to the online bank 63. The verification result can carry the relevant identity information of the initial request for financial services, such as the user ID. When the verification result is yes, in step S621, the online bank 63 will allow the second computer program 62 to access the financial service, and in step S623, the second computer program 62 will access the financial service.

The aforementioned access to financial services can still cover the process of logging in to the online banking 63 by the second computer program 62, that is, when logging in to the online banking 63, the first computer program (or mobile device) verification process can be activated. The verification procedure can also be applied to transactions, query or modification of information, etc.

In summary, according to the embodiments of the system for verifying financial services by mobile service programs disclosed above, an identity verification technology for accessing financial services is proposed. The first device obtains the verification code for accessing financial services by the second device. Allows the financial service system to provide financial services when the users who access financial services have the same identity at the time of registration can strengthen the security of users logging in and accessing financial services, and the process of logging in to financial services has been optimized, compared with current needs The account password method is simpler and more secure.

The content disclosed above is only the preferred and feasible embodiments of the present model, and does not limit the scope of the patent application of the present model. Therefore, all equivalent technical changes made by using the present model specification and schematic content are included in the present model application. Within the scope of the patent.

12: Financial Services System

15: Verification module

10: Internet

13: The first device

14: Second device

Claims (7)

A system for verifying access rights to financial services using different computer programs includes: a financial service system with a network server, providing a second computer program to access a financial service through a network, and providing a first computer program Perform a verification procedure; and a verification system, which is an independently operated server system, is used to provide a verification service to generate a verification code according to a verification request made by the financial service system; wherein the financial service system performs a different use A method for a computer program to verify access rights to financial services includes: receiving a financial service request from the second computer program generated by a device, requesting access to the financial service; requesting the verification service from the verification system, which is generated by the verification system The verification code, the verification code is a one-time unique identification code; the verification code is received from the verification system; the verification code is provided to the second computer program, and the second computer program calculates verification information according to the verification code, Used to transmit to the first computer program executed by the same or different device as the device executing the second computer program; the first computer program executing identity verification obtains the verification code from the verification information, and sends it to The verification system, the verification system generates a verification result based on the verification code before and after the comparison; and receives the verification result from the verification system, and determines whether to provide the second computer program to access the financial service according to the verification result. The system for verifying access rights to financial services by using different computer programs as described in claim 1, wherein the first computer program is a mobile service program for receiving the verification code; the second computer program is for accessing the financial service A web browser program or a specific software program for financial services in the system. Use different computer programs to verify access rights to financial services as described in claim 2 System, wherein the verification system is set in the financial service system, and the financial service system itself provides the verification service. The system for verifying access rights to financial services using different computer programs as described in claim 2, wherein the financial service system includes an online bank and a mobile bank, and the online bank provides the financial service. The system for verifying access rights to financial services by using different computer programs as described in claim 4, wherein the verification system is set in the online bank or the mobile bank to provide the verification service. The system for verifying access rights to financial services using different computer programs as described in claim 2, wherein the first computer program runs in a first device, the second computer program runs in a second device, and the The method for the first computer program of the first device to obtain the verification code includes: after the financial service system receives the verification code from the verification system, it provides the verification code to a second computer program, and calculates the verification code in the second device The verification information; the verification information is obtained from the second device by the first computer program running on the first device; and the first device obtains the verification code from the verification information. The system for verifying access rights to financial services using different computer programs as described in claim 6, wherein the verification information calculated by the second computer program obtained by the first computer program is a one-dimensional or two-dimensional bar code, wireless identification Code, voice or alphanumeric string.

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