TWM619259U - Financial service system - Google Patents
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Abstract
Description
本揭露係有關於一種金融服務系統。This disclosure is related to a financial service system.
當客戶選擇至銀行臨櫃辦理匯款或無摺存款時,依法令規定(金融機構受理國內匯款及無摺存款確認客戶身分作業規範),應於申請書或傳票填寫姓名、身分證字號以及電話等資訊。除第一聯銀行留存聯外,第二聯客戶收執聯亦存有客戶個資。When the customer chooses to go to the bank counter for remittance or non-discounted deposit, according to laws and regulations (financial institutions accept domestic remittances and non-discounted deposits to confirm customer identity), the name, ID number and telephone number should be filled in the application form or subpoena News. In addition to the first bank retention coupon, the second customer receipt and execution coupon also has customer personal information.
然而,若客戶收執聯遺失,恐會產生個資外洩之疑慮。However, if the customer's receipt and receipt are lost, there may be concerns about information leakage.
因此,如何提出一種可解決上述問題的金融服務系統,是目前業界亟欲投入研發資源解決的問題之一。Therefore, how to propose a financial service system that can solve the above-mentioned problems is one of the problems that the industry urgently wants to invest in research and development resources to solve.
有鑑於此,本揭露之一目的在於提出一種可有解決上述問題的金融服務系統。In view of this, one purpose of this disclosure is to provide a financial service system that can solve the above-mentioned problems.
為了達到上述目的,依據本揭露之一實施方式,一種金融服務系統包含輸入裝置以及伺服器。輸入裝置配置以接收關於交易資訊之輸入。伺服器連接輸入裝置以及電子裝置,並配置以:根據交易資訊產生條碼資訊;在電子裝置掃描條碼資訊之後,執行身分驗證程序;以及在身分驗證程序通過之後,發送交易資訊至電子裝置。In order to achieve the above objective, according to an embodiment of the present disclosure, a financial service system includes an input device and a server. The input device is configured to receive input about transaction information. The server is connected to the input device and the electronic device, and is configured to: generate barcode information based on the transaction information; execute the identity verification procedure after the electronic device scans the barcode information; and send the transaction information to the electronic device after the identity verification procedure is passed.
於本揭露的一或多個實施方式中,輸入裝置進一步配置以:接收關於列印指令之輸入。In one or more embodiments of the present disclosure, the input device is further configured to: receive input about the printing command.
於本揭露的一或多個實施方式中,金融服務系統進一步包含列印模組,伺服器配置以根據列印指令控制列印模組列印條碼資訊於紙本上。In one or more embodiments of the present disclosure, the financial service system further includes a printing module, and the server is configured to control the printing module to print barcode information on paper according to the printing command.
於本揭露的一或多個實施方式中,紙本係紙本收據。In one or more embodiments of the present disclosure, the paper is a paper receipt.
於本揭露的一或多個實施方式中,伺服器進一步配置以:接受電子裝置掃描條碼資訊時所發出之身分驗證請求。In one or more embodiments of the present disclosure, the server is further configured to accept the identity verification request sent by the electronic device when scanning the barcode information.
於本揭露的一或多個實施方式中,伺服器進一步配置以:基於身分驗證請求執行身分驗證程序。In one or more embodiments of the present disclosure, the server is further configured to execute an identity verification procedure based on the identity verification request.
於本揭露的一或多個實施方式中,身分驗證程序係伺服器經由電子裝置之顯示單元顯示身分資訊輸入畫面,當伺服器經由電子裝置接收到之輸入資料與交易資訊相關聯之帳戶資訊匹配時,伺服器認定身分認證程序通過。In one or more embodiments of the present disclosure, the identity verification process is that the server displays the identity information input screen via the display unit of the electronic device, when the input data received by the server via the electronic device matches the account information associated with the transaction information At that time, the server determined that the identity verification process passed.
於本揭露的一或多個實施方式中,伺服器進一步包含比對單元。比對單元配置以:將輸入資料與帳戶資訊進行比對。In one or more embodiments of the present disclosure, the server further includes a comparison unit. The comparison unit is configured to: compare the input data with the account information.
於本揭露的一或多個實施方式中,其中伺服器進一步配置以:在比對單元判斷輸入資料與帳戶資訊比對成功之後,經由電子裝置之顯示單元顯示交易資訊。In one or more embodiments of the present disclosure, the server is further configured to: after the comparison unit determines that the input data is successfully compared with the account information, display the transaction information via the display unit of the electronic device.
於本揭露的一或多個實施方式中,伺服器進一步配置以:在比對單元判斷輸入資料與帳戶資訊比對失敗之後,經由電子裝置之顯示單元顯示拒絕存取畫面。In one or more embodiments of the present disclosure, the server is further configured to: after the comparison unit determines that the input data and the account information are failed to be compared, the display unit of the electronic device displays an access rejection screen.
綜上所述,於本揭露的金融服務系統中,藉由產生二維條碼並列印於紙本收據上並交付客戶,客戶利用電子裝置掃描二維條碼並輸入一輸入資料後,即可得知當日之交易內容,以降低個資外洩的風險。於本揭露的金融服務系統中,此交易內容可輕鬆存取於電子裝置中,毋須擔心客戶收執聯遺失或印錄的資料模糊不清,亦可輕鬆轉發給相關人員知悉款項已存/匯入,以利客戶有效管理個人帳務。In summary, in the financial service system disclosed in this disclosure, by generating a two-dimensional bar code and printing it on a paper receipt and delivering it to the customer, the customer can use the electronic device to scan the two-dimensional bar code and enter an input data to know The transaction content of the day to reduce the risk of personal information leakage. In the financial service system disclosed in this disclosure, the transaction content can be easily accessed in the electronic device. There is no need to worry about the loss of the customer's receipt or the illegibility of the printed information, and it can be easily forwarded to the relevant personnel to know that the funds have been deposited/remitted. , To facilitate customers to effectively manage personal accounts.
以上所述僅係用以闡述本揭露所欲解決的問題、解決問題的技術手段、及其產生的功效等等,本揭露之具體細節將在下文的實施方式及相關圖式中詳細介紹。The above descriptions are only used to illustrate the problems to be solved by the present disclosure, the technical means to solve the problems, and the effects they produce, etc. The specific details of the present disclosure will be described in detail in the following embodiments and related drawings.
以下將以圖式揭露本揭露之複數個實施方式,為明確說明起見,許多實務上的細節將在以下敘述中一併說明。然而,應瞭解到,這些實務上的細節不應用以限制本揭露。也就是說,在本揭露部分實施方式中,這些實務上的細節是非必要的。此外,為簡化圖式起見,一些習知慣用的結構與元件在圖式中將以簡單示意的方式繪示之。在所有圖式中相同的標號將用於表示相同或相似的元件。Hereinafter, multiple implementation manners of the present disclosure will be disclosed in diagrams. 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 disclosure. In other words, in some implementations of this disclosure, these practical details are unnecessary. In addition, in order to simplify the drawings, some conventionally used structures and elements are shown in the drawings in a simple and schematic manner. The same reference numerals will be used to indicate the same or similar elements in all the drawings.
以下將詳細介紹本實施方式之金融服務系統100所包含的各元件的結構、功能以及各元件之間的連接關係。The structure and function of each component included in the
請參考第1圖,其為繪示根據本揭露一實施方式之金融服務系統100的功能方塊圖。如第1圖所示,本實施方式之金融服務系統100包含輸入裝置110、伺服器120以及列印模組130。輸入裝置110配置以接收關於交易資訊之輸入,以及接收關於列印指令之輸入。伺服器120包含通訊介面122、處理器124以及資料庫128。通訊介面122與資料庫128分別耦接至處理器124。伺服器120的處理器124配置以根據列印指令控制列印模組130列印條碼資訊於紙本上。資料庫128配置以儲存交易資訊、與交易資訊相關聯之帳戶資料以及輸入資料。列印模組130配置以列印條碼資訊於紙本上。又,輸入裝置110與列印模組130藉由通訊介面122分別通訊連接至伺服器120。Please refer to FIG. 1, which is a functional block diagram of the
請參考第2圖,其為繪示根據本揭露之一實施方式之金融服務系統100的詳細功能方塊圖。具體來說,伺服器120的處理器124包含創建單元125、控制單元126以及比對單元127,並藉由通訊介面122通訊連接至電子裝置200。又,電子裝置200包含一顯示單元210。創建單元125配置以根據交易資訊產生條碼資訊。控制單元126配置以根據列印指令控制列印模組130列印條碼資訊於紙本上。控制單元126還配置以接受電子裝置掃描條碼資訊時所發出之身分驗證請求。控制單元126還配置以基於身分驗證請求執行身分驗證程序。控制單元126還配置以在身分驗證程序通過之後,發送交易資訊至電子裝置。比對單元127配置以將輸入資料與帳戶資訊進行比對。Please refer to FIG. 2, which is a detailed functional block diagram of the
如上所述,身分驗證程序係伺服器120經由電子裝置200之顯示單元210顯示身分資訊輸入畫面。舉例來說,當伺服器120經由電子裝置200接收到之輸入資料與交易資訊相關聯之帳戶資訊匹配時,伺服器120認定身分認證程序通過。As described above, the identity verification process is that the
又,伺服器120還配置以在比對單元127判斷輸入資料與帳戶資訊比對成功之後,經由電子裝置200之顯示單元210顯示交易資訊。伺服器120還配置以在比對單元127判斷輸入資料與帳戶資訊比對失敗之後,經由電子裝置200之顯示單元210顯示拒絕存取畫面。In addition, the
藉由前述結構配置,當輸入裝置110接受關於交易資訊之輸入時,創建單元125即創建與交易資訊相關聯之條碼資訊。接著,當輸入裝置110再接受關於列印指令之輸入時,控制單元126即根據列印指令控制列印模組130,使列印模組130將條碼資訊列印於紙本上。接著,當電子裝置200掃描於紙本上的條碼資訊時,即對伺服器120發出身分驗證請求。接著,伺服器120在接受身分驗證請求之後,電子裝置200的顯示單元210顯示身分資訊輸入畫面。接著,伺服器120接收來自電子裝置200的輸入資料之後,比對單元127將輸入資料與交易資訊相關聯的帳戶資訊進行比對。當比對單元127判斷輸入資料與帳戶資料比對成功時,顯示單元210即顯示交易資訊。當比對單元127判斷輸入資料與帳戶資料比對失敗時,顯示單元210即顯示拒絕存取畫面。With the aforementioned structural configuration, when the
在一使用情境中,當客戶端於銀行端臨櫃辦理匯款或無摺存款之業務時,客戶端將於銀行端提供的申請書或傳票填寫交易資訊,交易資訊包含交易時間、匯款人姓名與身分證字號、收款人姓名與身分證字號、匯款人與收款人的聯絡電話、交易金額等資訊。In a usage scenario, when the client handles the business of remittance or non-discount deposit at the bank side, the client will fill in the transaction information in the application form or subpoena provided by the bank. The transaction information includes the transaction time, the name of the remitter, and ID card number, payee name and ID card number, sender and beneficiary's contact number, transaction amount and other information.
接著,銀行端將客戶端填寫完畢的申請書或傳票透過像是鍵盤(例如,電腦鍵盤)的輸入裝置110將上述交易資訊輸入至伺服器120中,於此同時,創建單元根據此交易資訊創建像是QR-Code的條碼資訊。接著,銀行端欲將條碼資訊列印於像是紙本收據的紙本上。銀行端再藉由電腦鍵盤對伺服器120輸入列印指令,當伺服器120接受列印指令時,控制單元126即控制像是印表機的列印模組130將QR-Code列印於紙本收據上。隨後,銀行端將印有QR-Code的紙本收據交付予客戶端留存。Then, the bank terminal inputs the above transaction information into the
接著,如果客戶端欲閱覽交易資訊,客戶端可使用像是具有掃描條碼功能的智慧型手機的電子裝置200對QR-Code掃描。當完成QR-Code的掃描操作之後,電子裝置200的顯示單元210將顯示身分資訊輸入畫面。舉例來說,身分資訊輸入畫面會要求客戶端輸入像是預設密碼的輸入資料。舉例來說,預設密碼可以是客戶端的身分證字號。當客戶端於身分資訊輸入畫面輸入預設密碼並傳送至伺服器120時,比對單元127將預設密碼與交易資訊相關聯的帳戶資料進行比對。舉例來說,帳戶資料可以是客戶端先前於銀行申辦銀行帳戶時所填寫的個資以及網路銀行APP的帳號密碼。當前述輸入的預設密碼與帳戶資料匹配時,顯示單元210顯示交易資訊。若輸入的預設密碼與帳戶資料不匹配時,顯示單元210顯示拒絕存取畫面。Then, if the client terminal wants to read the transaction information, the client terminal can scan the QR-Code using an
在一些實施方式中,輸入裝置110可以是任何能輸入交易資訊的打字裝置。在一些實施方式中,輸入裝置110也可以是透過語音輸入的輸入裝置。換言之,本揭露不意欲針對輸入裝置110的機種類進行限制。In some embodiments, the
在一些實施方式中,列印模組130可以是任何可以輸出紙張的印刷機,例如:印表機、影印機等。換言之,本揭露不易欲針對列印模組130的種類進行限制。In some embodiments, the
在一些實施方式中,條碼資訊可以是任何可以使電子裝置200透過掃描讀取交易資訊的圖案,例如:一維條碼、二維條碼等。換言之,本揭露不意欲針對條碼資訊的種類進行限制。In some embodiments, the barcode information can be any pattern that enables the
在一些實施方式中,電子裝置200可以是任何具備掃描條碼功能以及包含顯示單元210的電子產品,例如:智慧型手機、平板電腦等。換言之,本揭露不意欲限制電子裝置200的種類。In some embodiments, the
在一些實施方式中,在身分驗證程序中,顯示於顯示單元210的身分資訊輸入畫面也可以要求客戶端輸入例如伺服器120透過簡訊發送的驗證碼,但本揭露不限於此。在一些實施方式中,在身分驗證程序中,顯示於顯示單元210的身分資訊輸入畫面也可以要求客戶端執行指紋辨識(例如,Touch ID)或臉部辨識(Face ID)。總而言之,此處僅為簡單說明而舉例,本揭露不意欲針對在身分驗證程序中所要求客戶執行的身分驗證方法與手段進行限制。In some embodiments, in the identity verification process, the identity information input screen displayed on the
在一些實施方式中,在身分驗證程序中,如果比對單元127判斷輸入資料與帳戶資料比對失敗,伺服器120可以要求客戶端於顯示單元210顯示身分資訊輸入畫面再次輸入輸入資料。在一些實施方式中,伺服器120可以有限次數地要求客戶端於顯示單元210顯示身分資訊輸入畫面輸入輸入資料,舉例來說,當客戶端不斷於身分資訊輸入畫面輸入與帳戶資料不匹配的輸入資料時,伺服器120可以允許客戶端輸入錯誤三次。此處僅為簡單說明而舉例,本揭露不意欲針對此有限次數進行限制。一旦超過此有限次數,遂經由顯示單元210顯示拒絕存取畫面。In some embodiments, in the identity verification process, if the
在一些實施方式中,客戶可以將透過顯示單元210閱覽之交易資訊儲存於電子裝置200中,並將此交易資訊擷取畫面傳送至與交易相關的人員之其他電子裝置200,以使與交易相關的人員知悉。In some embodiments, the customer can store the transaction information viewed through the
在一些實施方式中,本揭露提到「與交易資訊相關聯」之用語,意指任一元件包含交易資訊相關之資訊,或意指任一元件與該交易資訊綁定。In some embodiments, the term "associated with transaction information" mentioned in the present disclosure means that any component includes information related to transaction information, or means that any component is bound to the transaction information.
在一些實施方式中,本揭露提到「匹配」之用語,意指數個資訊相互比對吻合。In some embodiments, this disclosure refers to the term "matching", which means that the information is matched and matched with each other.
在一些實施方式中,本揭露的精神,在於取消在申請單或傳票上填寫有客戶端的個資以及交易資訊的客戶收執聯,而將客戶端的個資以及交易資訊電子化,使得客戶端可以直接於電子裝置200上閱覽交易資訊,並使客戶端對交易資訊進行更多利用。只要是符合上述精神的結構、組件、配置、方法以及手段,都在本揭露的範圍內。In some embodiments, the spirit of the disclosure is to cancel the client's personal information and transaction information on the application form or subpoena, and to electronicize the client's personal information and transaction information so that the client can directly Read the transaction information on the
由以上對於本揭露之具體實施方式之詳述,可以明顯地看出,於本揭露的金融服務系統中,藉由產生二維條碼並列印於紙本收據上並交付客戶,客戶利用電子裝置掃描二維條碼並輸入一輸入資料後,即可得知當日之交易內容,以降低個資外洩的風險。於本揭露的金融服務系統中,此交易內容可輕鬆存取於電子裝置中,毋須擔心客戶收執聯遺失或印錄的資料模糊不清,亦可輕鬆轉發給相關人員知悉款項已存/匯入,以利客戶有效管理個人帳務。From the above detailed description of the specific implementation of this disclosure, it is obvious that in the financial service system of this disclosure, by generating a two-dimensional bar code and printing it on a paper receipt and delivering it to the customer, the customer uses an electronic device to scan After entering the two-dimensional bar code and inputting the data, you can know the transaction content of the day, so as to reduce the risk of personal information leakage. In the financial service system disclosed in this disclosure, the transaction content can be easily accessed in the electronic device. There is no need to worry about the loss of the customer's receipt or the vagueness of the printed information, and it can be easily forwarded to the relevant personnel to know that the money has been deposited/remitted , To facilitate customers to effectively manage personal accounts.
雖然本揭露已以實施方式揭露如上,然其並不用以限定本揭露,任何熟習此技藝者,在不脫離本揭露的精神和範圍內,當可作各種的更動與潤飾,因此本揭露的保護範圍當視後附的申請專利範圍所界定者為準。Although this disclosure has been disclosed in the above manner, it is not intended to limit this disclosure. Anyone who is familiar with this technique can make various changes and modifications without departing from the spirit and scope of this disclosure. Therefore, this disclosure is protected The scope shall be subject to the scope of the attached patent application.
100:金融服務系統 110:輸入裝置 120:伺服器 122:通訊介面 124:處理器 125:創建單元 126:控制單元 127:比對單元 128:資料庫 130:列印模組 200:電子裝置 210:顯示單元100: Financial Services System 110: Input device 120: server 122: Communication interface 124: processor 125: Create Unit 126: control unit 127: Comparison unit 128: database 130: Print module 200: electronic device 210: display unit
為讓本揭露之上述和其他目的、特徵、優點與實施例能更明顯易懂,所附圖式之說明如下: 第1圖為繪示根據本揭露之一實施方式之金融服務系統的功能方塊圖。 第2圖為繪示根據本揭露之一實施方式之金融服務系統的詳細功能方塊圖。In order to make the above and other objectives, features, advantages and embodiments of the present disclosure more comprehensible, the description of the accompanying drawings is as follows: Figure 1 is a functional block diagram of a financial service system according to an embodiment of the present disclosure picture. FIG. 2 is a detailed functional block diagram of the financial service system according to an embodiment of the present disclosure.
100:金融服務系統 100: Financial Services System
110:輸入裝置 110: Input device
120:伺服器 120: server
122:通訊介面 122: Communication interface
124:處理器 124: processor
125:創建單元 125: Create Unit
126:控制單元 126: control unit
127:比對單元 127: Comparison unit
128:資料庫 128: database
130:列印模組 130: Print module
200:電子裝置 200: electronic device
210:顯示單元 210: display unit
Claims (10)
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TW110209146U TWM619259U (en) | 2021-08-03 | 2021-08-03 | Financial service system |
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TWI825517B (en) * | 2021-12-03 | 2023-12-11 | 兆豐國際商業銀行股份有限公司 | Identity verification system and method |
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TWI825517B (en) * | 2021-12-03 | 2023-12-11 | 兆豐國際商業銀行股份有限公司 | Identity verification system and method |
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