TWM605343U - Identity Verification System - Google Patents

Abstract

An identity authentication system includes a serial number generating server, an automatic teller machine, a terminal electronic device, and a bank server. The terminal electronic device sends the account service request to the instant messaging server, so that the instant messaging server sends the account service request to the bank server. After receiving the account service request, the bank server sends a service serial number request containing the service item data to the serial number generating server for generation and returns the service serial number corresponding to the service item data to the bank server. The bank server transmits the service serial number to the terminal electronic device. The automated teller machine obtains the service serial number to be verified and reads the financial card to obtain the financial account data corresponding to the financial card, and transmits the service serial number verification request including the financial account data and the service serial number to be verified to the bank server.

Description

Identity Verification System

The new model relates to an identity authentication system, in particular to a dual authentication identity authentication system.

When the holder of a financial card (debit financial card or credit card) wants to apply for services related to the financial card, such as unlocking the financial card or upgrading the financial card, the holder usually needs to bring a double certificate ( For example, ID card and driver's license) go to the bank counter to apply. For some cardholders, the above method is not convenient.

Therefore, there is still room for improvement in the existing handling methods related to financial card services.

Therefore, the purpose of the present invention is to provide an identity authentication system that can solve at least one of the shortcomings of the prior art.

Therefore, the identity authentication system of the present invention is electrically connected to an instant communication server through a communication network, and can communicate with the instant communication server. The identity authentication system includes a serial number generating server, an automated teller machine, a terminal electronic device, and A bank server.

The terminal electronic device is electrically connected to the instant communication server through a communication network It can communicate with the instant messaging server and log in to the instant messaging server with an instant messaging account. The bank server is electrically connected to the instant messaging server, the serial number generating server, and the automated teller machine through a communication network, and can communicate with the instant messaging server, the serial number generating server, and the automated teller machine, and store the instant messaging server, the serial number generating server, and the automated teller machine. The communication account and a user profile corresponding to an account profile of the instant messaging account. The terminal electronic device transmits an account service request containing a service item data to the instant communication server, and the account service request causes the instant communication server to transmit the account service request to the bank server. After receiving the account service request, the bank server sends a service serial number request containing the service item data to the serial number generating server. The serial number generating server generates and returns a service serial number corresponding to the service item data and the account data to the bank server according to the service item data. The bank server transmits the service serial number to the terminal electronic device. The automated teller machine obtains a service serial number to be verified and reads a financial card to obtain a financial account data corresponding to the financial card, and transmits a service serial number verification request containing the financial account data and the service serial number to be verified to the Bank server. The bank server compares whether the financial account data and the service serial number to be verified respectively match the account data and the service serial number to generate and send a verification result to the ATM. When the ATM determines that the verification result indicates that the financial account information and the service serial number to be verified are consistent with the account information and the service serial number, the ATM executes the service item data corresponding to the service serial number for the financial card. A corresponding service program.

In some implementation aspects, the user information stored in the bank server further includes a contact information corresponding to the account information. After receiving the account service request, the bank server sends a password notification including a one-time password to the terminal electronic device according to the contact information corresponding to the account data corresponding to the instant messaging account. After determining that a password to be verified from the terminal electronic device and related to the password notification matches the one-time password, the bank server sends the service serial number request to the serial number generating server.

In some implementation aspects, the identity authentication system includes a plurality of ATMs electrically connected to the bank server through a communication network, and the bank server also stores a plurality of ATM positions indicating the positions of the ATMs respectively data. The account service request sent by the terminal electronic device to the instant messaging server also includes an electronic device location data indicating the location of the terminal electronic device. After the bank server determines that the password to be verified matches the one-time password, it selects from the teller machine location data the one with the location indicated by the location data of the electronic device that is closest to the location indicated by the electronic device location data, and compares the The teller machine location data is sent to the terminal electronic device.

In some implementation aspects, the bank server transmits the service serial number to the terminal electronic device through the instant messaging server.

The effect of the present invention is that the identity verification system of the present invention sends the one-time notification to the terminal electronic device through the bank server, and judges that it is related to the secret After a password to be verified matches the one-time password, the service serial number is sent to the terminal electronic device, and the financial account data from the ATM and the service serial number to be verified are compared with the account data respectively It matches the service serial number to perform dual identity verification for the user of the terminal electronic device, so that the user does not need to go to the bank counter in person, and can also achieve a complete identity verification function, so it can indeed achieve the new purpose of cost.

10: Serial number generation server

20: ATM

30: Terminal electronics

40: Bank server

200: Communication network

300: instant messaging server

S1~S10: steps

The other features and effects of the present invention will be clearly presented in the embodiment with reference to the drawings, in which: Figure 1 is a schematic diagram of a hardware connection relationship of an embodiment of the present invention; Figure 2A and Figure 2B are the embodiment A flowchart for performing an identity authentication procedure.

Referring to FIG. 1, an embodiment of the identity authentication system of the present invention is electrically connected to an instant communication server 300 through a communication network 200 (for example, the Internet), and can communicate with the instant communication server 300. In this embodiment, the instant messaging server 300 is a server belonging to a service provider of instant messaging software (for example, Line).

The identity authentication system includes a serial number generating server 10, multiple automated teller machines 20 (ATM), a terminal electronic device 30, and a bank server 40.

The serial number generation server 10, for example, belongs to a bank and is used to generate pair A service serial number corresponding to a specific account number and service item (for example, financial card unlocking, financial card upgrade, etc., the financial card can be a charge financial card or a credit card).

The terminal electronic device 30 is, for example, but not limited to, a smart phone, a tablet computer, etc., and can be electrically connected to the instant communication server 300 through the communication network 200, and can communicate with the instant communication server 300 and use an instant communication account (For example, Line ID) log in to the instant messaging server 300.

The bank server 40 is, for example, a server host belonging to the bank, and is electrically connected to the instant communication server 300, the serial number generating server 10, and the automated teller machine 20 through the communication network 200, and can communicate with the instant communication server 300. The serial number generating server 10 communicates with the automatic teller machine 20, and stores a user data and a plurality of teller machine location data (for example, GPS positioning data) indicating the locations of the automatic teller machines 20 respectively.

In this embodiment, the user information includes the instant messaging account, an account information corresponding to the instant messaging account, and a contact information (for example, a phone number) corresponding to the account information.

Referring to FIG. 1, FIG. 2A, and FIG. 2B, the following describes the steps of an identity authentication procedure performed by this embodiment.

Referring to step S1, the terminal electronic device 30 transmits an account service request including a service item data and an electronic device location data indicating the location of the terminal electronic device 30 to the instant messaging server 300, and the account service request uses The The instant messaging server 300 transmits the account service request to the bank server 40.

In this embodiment, the service item information indicates, for example, a financial card card upgrade or a financial card card unlock. The location data of the electronic device is, for example, GPS location data of the terminal mat device. Then step S2 is executed.

Referring to step S2, after the bank server 40 receives the account service request, the bank server 40 sends a password notification including a one-time password to the contact data corresponding to the account data corresponding to the instant messaging account The terminal electronic device 30 (this is the first identity verification in this embodiment).

More specifically, the bank server 40 sends a one-time password generation request to a password generation server (not shown, it is a server used to generate a password inside the bank), and the password generation server generates After the one-time password, the one-time password is sent back to the bank server 40. After the bank server 40 receives the one-time password, it includes the one-time password in the password notification and informs the password Send to the terminal electronic device 30.

Then, after the terminal electronic device 30 receives the password notification, it returns a to-be-verified password related to the password notification to the bank server 40.

In particular, the bank server 40 sends the password notification to the terminal electronic device 30 through a short message server (not shown), and the terminal electronic device 30 sends the password notification through the instant messaging server 300 The password to be verified is sent to the bank server 40.

It should be noted that the above-mentioned manner in which the bank server 40 transmits the password notification to the terminal electronic device 30 and the terminal electronic device 30 transmits the password to be verified to the bank server 40 is only an example, and the above is not used as an example. limit. Then step S3 is executed.

Referring to step S3, after the bank server 40 receives the password to be verified, it determines whether the password to be verified matches the one-time password. When the bank server 40 determines that the password to be verified matches the one-time password, then Step S4 is executed, otherwise, the procedure ends.

Referring to step S4, after the bank server 40 determines that the password to be verified matches the one-time password, the bank server 40 sends a service serial number request containing the service item data to the serial number generating server 10.

More specifically, the service serial number request sent by the bank server 40 to the serial number generating server 10 corresponds to the account data, and then step S5 is executed.

Referring to step S5, after the serial number generation server 10 receives the service serial number request, it generates and returns a service serial number corresponding to the service item data and the account data according to the service item data (for example, but not limited to a set of 6-digit number) to the bank server 40, and then step S6 is executed.

Referring to step S6, the bank server 40 selects from the teller machine location data the one whose indicated location is closest to the position indicated by the electronic device's location data, and then selects the selected teller machine location data and the Service serial number Send to the terminal electronic device 30.

More specifically, the bank server 40 transmits the teller machine location data and the service serial number to the terminal electronic device 30 through the instant messaging server 300. In other implementation aspects of this embodiment, the bank server 40 It is also possible to send the teller machine location data and the service serial number to the terminal electronic device 30 through the SMS server. Then step S7 is executed.

Referring to step S7, the automated teller machine 20 obtains a service serial number to be verified and reads a financial card to obtain a financial account data corresponding to the financial card, and will include the financial account data and a service serial number of the service to be verified The verification request is sent to the bank server 40.

In particular, in this embodiment, the automated teller machine 20 can be used by the user to operate an input interface (not shown, for example, the keyboard or touch screen of the automated teller machine 20) to input the service serial number to be verified . Then step S8 is executed.

Referring to step S8, after the bank server 40 receives the service serial number verification request, the bank server 40 compares whether the financial account data and the service serial number to be verified respectively match the account data and the service serial number to generate and transmit A verification result is given to the automated teller machine 20 (this is the second identity verification in this embodiment). Then, step S9 is executed.

Referring to step S9, the automated teller machine 20 receives the verification result and determines that the verification result indicates that the financial account information and the service serial number to be verified are respectively the same as If the account information matches the service serial number, the automated teller machine 20 then executes step S10, otherwise, the process ends.

Referring to step S10, when the automated teller machine 20 determines that the verification result indicates that the financial account data and the service serial number to be verified respectively match the account data and the service serial number, the automated teller machine 20 executes the service serial number for the financial card A service program corresponding to the corresponding service item data.

To sum up, the identity verification system of the present invention transmits the one-time notification to the terminal electronic device 30 through the bank server 40, and after determining that a password to be verified related to the password notification matches the one-time password , Transmit the service serial number to the terminal electronic device 30, and compare whether the financial account data from the ATM 20 and the service serial number to be verified respectively match the account data and the service serial number, so as to the terminal electronic device 30 users perform dual identity verification, so that the user does not need to go to the bank counter in person, but can also achieve a complete identity verification function, so it can indeed achieve the new purpose of cost.

However, the above-mentioned are only examples of the present model, and should not be used to limit the scope of implementation of the present model, all simple equivalent changes and modifications made in accordance with the patent scope of the present model application and the contents of the patent specification still belong to This new patent covers the scope.

10: Serial number generation server

20: ATM

30: Terminal electronics

40: Bank server

200: Communication network

300: instant messaging server

Claims (4)

An identity authentication system, which is electrically connected to an instant communication server through a communication network and can communicate with the instant communication server. The identity authentication system includes: A serial number generating server; An automated teller machine; A terminal electronic device, which is electrically connected to the instant communication server through a communication network, can communicate with the instant communication server, and logs in the instant communication server with an instant communication account; A bank server electrically connects the instant messaging server, the serial number generating server, and the automated teller machine through a communication network, and can communicate with the instant messaging server, the serial number generating server, and the automated teller machine, and store the information including the An instant messaging account and a user profile corresponding to an account profile of the instant messaging account; Wherein, the terminal electronic device sends an account service request containing a service item data to the instant messaging server, and the account service request causes the instant messaging server to send the account service request to the bank server; After receiving the account service request, the bank server sends a service serial number request containing the service item data to the serial number generating server; The serial number generating server generates and returns a service serial number corresponding to the service item data and the account data to the bank server according to the service item data; The bank server transmits the service serial number to the terminal electronic device; The automated teller machine obtains a service serial number to be verified and reads a financial card to obtain a financial account data corresponding to the financial card, and transmits a service serial number verification request containing the financial account data and the service serial number to be verified to the Bank server The bank server generates and sends a verification result to the ATM by comparing the financial account data and the service serial number to be verified whether they match the account data and the service serial number respectively; When the ATM determines that the verification result indicates that the financial account information and the service serial number to be verified are consistent with the account information and the service serial number, the ATM executes the service item data corresponding to the service serial number for the financial card. A corresponding service program. The identity authentication system according to claim 1, wherein the user information stored in the bank server further includes a contact information corresponding to the account information; After receiving the account service request, the bank server sends a password notification including a one-time password to the terminal electronic device according to the contact information corresponding to the account data corresponding to the instant messaging account; After determining that a password to be verified from the terminal electronic device and related to the password notification matches the one-time password, the bank server sends the service serial number request to the serial number generating server. The identity authentication system described in claim 2 includes a plurality of ATMs electrically connected to the bank server through a communication network, and the bank server also stores a plurality of ATM location data indicating the locations of the ATMs respectively ； The account service request sent by the terminal electronic device to the instant messaging server also includes an electronic device location data indicating the location of the terminal electronic device; and After the bank server determines that the password to be verified matches the one-time password, it selects from the teller machine location data the one with the location indicated by the location data of the electronic device that is closest to the location indicated by the electronic device location data, and compares the The teller machine location data is sent to the terminal electronic device. The identity authentication system according to any one of claim 1 to 3, wherein the bank server transmits the service serial number to the terminal electronic device through the instant messaging server.

Images