TWM632899U - Cash Advance Password Issuance System - Google Patents
Cash Advance Password Issuance System Download PDFInfo
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- TWM632899U TWM632899U TW111207624U TW111207624U TWM632899U TW M632899 U TWM632899 U TW M632899U TW 111207624 U TW111207624 U TW 111207624U TW 111207624 U TW111207624 U TW 111207624U TW M632899 U TWM632899 U TW M632899U
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Abstract
一種預借現金密碼核發系統,包含一金融伺服器及一客戶端裝置。其中,金融伺服器能依據客戶資料的聯絡資訊,傳送一密碼設定通知資訊至客戶端裝置,密碼設定通知資訊包括一超連結訊息。客戶端裝置能以超連結訊息連接至密碼設定網頁,藉以傳送一身分驗證資訊至金融伺服器,由金融伺服器進行身分驗證程序。客戶端裝置還能傳送一密碼設定資訊至金融伺服器,由金融伺服器儲存密碼設定資訊,密碼設定資訊包括一能與客戶資料之財務資訊相對應的信用卡設定訊息及一用於預借現金業務的預借現金密碼訊息。A cash advance password issuing system includes a financial server and a client device. Wherein, the financial server can send a password setting notification information to the client device according to the contact information of the customer information, and the password setting notification information includes a hyperlink message. The client device can be connected to the password setting webpage through the hyperlink message, so as to send an identity verification information to the financial server, and the financial server will perform the identity verification procedure. The client device can also send a password setting information to the financial server, and the financial server stores the password setting information. The password setting information includes a credit card setting message corresponding to the financial information of the customer information and a credit card for cash advance business. The cash advance password message for .
Description
本新型是有關於一種密碼核發系統,特別是指一種預借現金密碼核發系統。The present invention relates to a password verification and issuance system, in particular to a cash advance password verification and issuance system.
銀行在提供用於預借現金業務的密碼給客戶時,通常是將密碼印製在具保密功用的紙本文件上,而後透過寄送等方式送達給客戶。然而,此種方式不僅存在未能送達預定地址、未能送達預定收件人、送達期間較長等問題,還可能發生紙本文件破損、被非收件人啟閱、內容印製不清楚等狀況,存在改善空間。When the bank provides the password for the cash advance business to the customer, it usually prints the password on a paper document with a confidentiality function, and then delivers it to the customer by mail or other means. However, this method not only has problems such as failing to deliver to the intended address, failing to deliver to the intended recipient, and a long delivery period, but also may cause damage to the paper document, being read by a non-recipient, and unclear printing of the content, etc. situation, there is room for improvement.
因此,本新型之其中一目的,即在提供一種能解決前述問題的預借現金密碼核發系統。Therefore, one of the purposes of the present invention is to provide a cash advance password issuing system that can solve the foregoing problems.
於是,本新型預借現金密碼核發系統在一些實施態樣中,包含一金融伺服器及一客戶端裝置。該金融伺服器儲存多筆客戶資料,各該客戶資料包括一身分資訊、至少一聯絡資訊及一財務資訊,該財務資訊具有至少一信用卡訊息。該客戶端裝置能與該金融伺服器連線通訊。其中,該金融伺服器能依據各該客戶資料的聯絡資訊,傳送一相關於預借現金業務的密碼設定通知資訊至該客戶端裝置,該密碼設定通知資訊包括一超連結訊息,該超連結訊息指向一建置於該金融伺服器的密碼設定網頁。該客戶端裝置能以該超連結訊息連接至該密碼設定網頁,藉以傳送一身分驗證資訊至該金融伺服器,由該金融伺服器至少依據該身分驗證資訊及該客戶資料的身分資訊的比對來進行身分驗證程序,且該客戶端裝置還能傳送一密碼設定資訊至該金融伺服器,由該金融伺服器儲存該密碼設定資訊,該密碼設定資訊包括一能與該客戶資料之財務資訊相對應的信用卡設定訊息及一用於預借現金業務的預借現金密碼訊息。Therefore, in some implementation aspects, the new cash advance password issuing system includes a financial server and a client device. The financial server stores a plurality of pieces of customer information, each of which includes an identity information, at least one contact information and a financial information, and the financial information has at least one credit card information. The client device can communicate with the financial server. Wherein, the financial server can send a password setting notification information related to the cash advance business to the client device according to the contact information of each customer data, the password setting notification information includes a hyperlink message, and the hyperlink message Point to a password setting webpage built on the financial server. The client device can use the hyperlink message to connect to the password setting webpage, so as to send an identity verification information to the financial server, and the financial server is based on at least a comparison of the identity verification information and the identity information of the customer data The client device can also send a password setting information to the financial server, and the financial server stores the password setting information. The password setting information includes a financial information that can be associated with the customer information. Corresponding credit card setting information and a cash advance password message for cash advance business.
在一些實施態樣中,各該客戶資料包括多筆聯絡資訊,該金融伺服器是在該等聯絡資訊中依據優先級別或使用次數擇定最高的一者,以傳送該密碼設定通知資訊。In some implementations, each of the customer data includes multiple pieces of contact information, and the financial server selects the highest one according to the priority level or the number of times of use among the contact information to send the password setting notification information.
在一些實施態樣中,該等聯絡資訊為行動電話號碼、電子郵件帳號、通訊軟體帳號或金融軟體帳號。In some implementations, the contact information is a mobile phone number, email account, communication software account or financial software account.
在一些實施態樣中,該客戶端裝置及該金融伺服器還藉由單次有效密碼來進行身分驗證程序。In some implementations, the client device and the financial server also perform identity verification procedures through one-time valid passwords.
本新型至少具有以下功效:藉由該金融伺服器及該客戶端裝置之間的協同運作流程,能以快速、簡便、安全的方式完成預借現金密碼的設定及審核程序,並能有效避免以紙本文件透過寄送方式發送預借現金密碼所可能產生的問題。The present invention at least has the following functions: through the cooperative operation process between the financial server and the client device, the setting and verification procedures of the cash advance password can be completed in a fast, simple and safe manner, and the following methods can be effectively avoided. Problems that may arise when cash advance PINs are sent by mail in paper documents.
參閱圖1及圖2,為本新型預借現金密碼核發系統100的一實施例 。該預借現金密碼核發系統100於本實施例係以包含一金融伺服器1及一客戶端裝置2作為示例,但在實施時可能是由該金融伺服器1同時與多個客戶端裝置2配合運行。Referring to Fig. 1 and Fig. 2, it is an embodiment of the new cash advance password issuing
該金融伺服器1例如是建置在銀行的伺服器系統,可由多套伺服器主機(如網路銀行系統主機及信用卡管理系統主機等)協同配合運作。該金融伺服器1儲存多筆客戶資料,各該客戶資料包括一身分資訊、多筆聯絡資訊及一財務資訊。該身分資訊例如包括姓名、生日、住址、身份證字號等。該聯絡資訊例如包括行動電話號碼、電子郵件帳號、通訊軟體帳號或金融軟體帳號等。該財務資訊例如包括金融卡訊息、至少一信用卡訊息等。The
該客戶端裝置2例如為行動電話等電子裝置,由銀行客戶所持有,能與該金融伺服器1連線通訊,以使用各種由銀行機構提供的金融服務。The
參閱圖2至圖5,以下參閱流程圖及相關圖式,說明該預借現金密碼核發系統100的運行流程。Referring to FIG. 2 to FIG. 5 , referring to the flow chart and related drawings below, the operation process of the cash advance password issuing
於步驟S01、S02,當銀行機構的客戶提出信用卡申辦並同意設定用於預借現金業務的密碼後,該金融伺服器1會依照金融機構的核決結果產生一份包括多位通過查核程序客戶的密碼設定通知名單。 隨後,該金融伺服器1能依據各該客戶資料的聯絡資訊,傳送一相關於預借現金業務的密碼設定通知資訊至該客戶端裝置2,該密碼設定通知資訊包括一超連結訊息,該超連結訊息指向一例如呈現於圖3~圖5之建置於該金融伺服器1的密碼設定網頁。在一實施態樣中,該金融伺服器1是在各客戶資料的該等聯絡資訊中依據優先級別或使用次數擇定最高的一者,藉以傳送該密碼設定通知資訊,如此較能確保資訊傳達的即時性及有效性。例如,在行動電話號碼、電子郵件帳號、通訊軟體帳號或金融軟體帳號等聯絡資訊中,是以特定的通訊軟體應用程式(app)為該客戶最常使用的聯絡方式,便會透過該通訊軟體帳號來傳送該密碼設定通知資訊。In steps S01 and S02, when a customer of a banking institution submits a credit card application and agrees to set a password for cash advance business, the
於步驟S03~S06,當使用者藉由客戶端裝置2接收該密碼設定通知資訊後,可以如圖3般以該超連結訊息連接至該密碼設定網頁,藉以傳送一身分驗證資訊至該金融伺服器1,由該金融伺服器1依據該身分驗證資訊及該客戶資料的身分資訊的比對來進行身分驗證程序。該身分驗證資訊例如可以如圖3般包括身分證字號、生日等訊息,但不以此為限。若由該客戶端裝置2發送的該身分驗證資訊與該金融伺服器1儲存的該客戶資料的身分資訊相符,則該金融伺服器1能據以判斷此部分的身分驗證程序已處理完畢。此外,該客戶端裝置2及該金融伺服器1之間還能如圖4般,藉由簡訊發送單次有效密碼(one time passward,OTP)等方式進行身分驗證程序,以增進驗證過程的可信度。In steps S03~S06, after the user receives the password setting notification information through the
於步驟S07~S08,完成上述身分驗證過程後,該客戶端裝置2便能如圖5般藉由該密碼設定網頁傳送一密碼設定資訊至該金融伺服器1,由該金融伺服器1儲存該密碼設定資訊。該密碼設定資訊包括一能與該客戶資料之財務資訊相對應的信用卡設定訊息及一用於預借現金業務的預借現金密碼訊息。舉例來說,該信用卡設定訊息包括信用卡卡號、信用卡安全碼(card security code,CSC)等訊息,該預借現金密碼訊息則是由使用者自行設定的密碼。如此一來,該金融伺服器1接收、儲存該密碼設定資訊後,便完成預借現金密碼的設定及核發程序,後續使用者就能透過該預借現金密碼申辦預借現金的相關業務。In steps S07~S08, after the above identity verification process is completed, the
綜合上述說明,本新型預借現金密碼核發系統100藉由該金融伺服器1及該客戶端裝置2之間的協同運作流程,能以快速、簡便、安全的方式完成預借現金密碼的設定及審核程序,並能有效避免以紙本文件透過寄送方式發送預借現金密碼所可能產生的問題,故確實能達成本新型的目的。Based on the above description, the new cash advance password issuing
惟以上所述者,僅為本新型之實施例而已,當不能以此限定本新型實施之範圍,凡是依本新型申請專利範圍及專利說明書內容所作之簡單的等效變化與修飾,皆仍屬本新型專利涵蓋之範圍內。But the above-mentioned ones are only embodiments of the present invention, and should not limit the scope of implementation of the present invention with this. All simple equivalent changes and modifications made according to the patent scope of the present application and the content of the patent specification are still within the scope of the present invention. Within the scope covered by this patent.
100:預借現金密碼核發系統 1:金融伺服器 2:客戶端裝置 S01~S08:流程步驟 100:Advance cash password verification and issuance system 1: Financial server 2: Client device S01~S08: Process steps
本新型之其他的特徵及功效,將於參照圖式的實施方式中清楚地呈現,其中: 圖1是一系統方塊圖,說明本新型預借現金密碼核發系統的一實施例; 圖2是該實施例的運行流程圖; 圖3至圖5是該預借現金密碼核發系統的客戶端裝置的運行畫面示意圖。 Other features and functions of the present invention will be clearly presented in the implementation manner with reference to the drawings, wherein: Fig. 1 is a system block diagram, illustrates an embodiment of the present novel advance cash code issuing system; Fig. 2 is the operation flowchart of this embodiment; 3 to 5 are schematic diagrams of the running screens of the client device of the cash advance password issuing system.
100:預借現金密碼核發系統 100:Advance cash password verification and issuance system
1:金融伺服器 1: Financial server
2:客戶端裝置 2: Client device
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