TWM632899U - Cash Advance Password Issuance System - Google Patents

Abstract

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

Cash advance password verification and issuance system

The present invention relates to a password verification and issuance system, in particular to a cash advance password verification and issuance system.

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.

Therefore, one of the purposes of the present invention is to provide a cash advance password issuing system that can solve the foregoing problems.

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.

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.

In some implementations, the contact information is a mobile phone number, email account, communication software account or financial software account.

In some implementations, the client device and the financial server also perform identity verification procedures through one-time valid passwords.

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.

Referring to Fig. 1 and Fig. 2, it is an embodiment of the new cash advance password issuing system 100 of the present invention. The cash advance password issuing system 100 is taken as an example to include a financial server 1 and a client device 2 in this embodiment, but it may be implemented by the financial server 1 cooperating with multiple client devices 2 at the same time run.

The financial server 1 is, for example, a server system built in a bank, which can be operated in coordination with multiple sets of server hosts (such as an Internet banking system host and a credit card management system host, etc.). The financial server 1 stores multiple pieces of customer information, each of which includes a piece of identity information, pieces of contact information and a piece of financial information. The identity information includes, for example, name, date of birth, address, ID number, etc. The contact information includes, for example, a mobile phone number, an email account, a communication software account, or a financial software account. The financial information includes, for example, bank card information, at least one credit card information, and the like.

The client device 2 is, for example, an electronic device such as a mobile phone, which is held by a bank customer and can communicate with the financial server 1 to use various financial services provided by the banking institution.

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 system 100 will be described.

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 financial server 1 will generate a report including multiple customers who have passed the verification process according to the verification result of the financial institution. password setting notification list. Subsequently, the financial server 1 can send a password setting notification information related to the cash advance business to the client device 2 according to the contact information of each of the customer data, the password setting notification information includes a hyperlink message, the hyperlink The link information points to a password setting web page constructed on the financial server 1 as shown in FIGS. 3 to 5 . In one implementation, the financial server 1 selects the highest one among the contact information of each customer data according to the priority level or the number of times of use, so as to send the password setting notification information, so that the information delivery can be ensured immediacy and effectiveness. For example, in the contact information such as mobile phone number, email account, communication software account or financial software account, if a specific communication software application program (app) is the most frequently used contact method of the customer, the communication software will be used to account to send the password setting notification message.

In steps S03~S06, after the user receives the password setting notification information through the client device 2, he can use the hyperlink message to connect to the password setting web page as shown in Figure 3, so as to send an identity verification information to the financial server device 1, the financial server 1 performs an identity verification procedure based on the comparison of the identity verification information and the identity information of the customer data. For example, the identity verification information may include ID number, birthday and other information as shown in FIG. 3 , but it is not limited thereto. If the identity verification information sent by the client device 2 is consistent with the identity information of the customer data stored in the financial server 1, the financial server 1 can judge that this part of the identity verification process has been processed. In addition, as shown in FIG. 4, the client device 2 and the financial server 1 can also perform an identity verification process by sending a one-time valid password (one time passward, OTP) through a text message, so as to improve the reliability of the verification process. Reliability.

In steps S07~S08, after the above identity verification process is completed, the client device 2 can send a password setting information to the financial server 1 through the password setting web page as shown in Figure 5, and the financial server 1 stores the password setting information. Password setting information. The password setting information includes a credit card setting message corresponding to the financial information of the customer data and a cash advance password message for cash advance business. For example, the credit card setting information includes credit card number, credit card security code (card security code, CSC) and other information, and the cash advance password information is a password set by the user. In this way, after receiving and storing the password setting information, the financial server 1 completes the setting and issuing procedures of the cash advance password, and subsequent users can apply for cash advance related businesses through the cash advance password.

Based on the above description, the new cash advance password issuing system 100 can complete the setting and issuing of the cash advance password in a fast, simple and safe manner through the coordinated operation process between the financial server 1 and the client device 2. review procedures, and can effectively avoid problems that may arise from sending cash advance passwords by mail in paper documents, so the purpose of the present invention can indeed be achieved.

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:Advance cash password verification and issuance system 1: Financial server 2: Client device S01~S08: Process steps

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:Advance cash password verification and issuance system

1: Financial server

2: Client device

Claims (4)

A cash advance password verification and issuance system, comprising: A financial server storing multiple pieces of customer information, each of which includes identity information, at least one contact information, and financial information, the financial information having at least one credit card information; and a client device capable of communicating 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 link to the password setting webpage with the hyperlink message, so as to send an identity verification information to the financial server, which is determined by the financial server according to at least The identity verification information is compared with the identity information of the customer data to perform the identity verification procedure, and the client device can also send a password setting information to the financial server, and the financial server stores the password setting information, the The password setting information includes a credit card setting message corresponding to the financial information of the customer data and a cash advance password message for cash advance business. The cash advance password issuance system as described in claim 1, wherein each of the customer information includes multiple pieces of contact information, and the financial server selects the highest one based on the priority level or the number of times of use among the contact information, to send the password setting notification message. The cash advance password issuing system as described in Claim 2, wherein the contact information is a mobile phone number, email account, communication software account or financial software account. The cash advance password issuing system as described in Claim 1, wherein, the client device and the financial server also use a one-time valid password to perform identity verification procedures.

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