TWM635502U - Financial service system based on barcode data of depositors - Google Patents

Abstract

A financial service system includes a financial server, a business terminal device and a client device. The financial server stores multiple depositor data, and each depositor data includes a personal identity information and a depositor account information. The business terminal device includes a host and a code machine. The client device stores a depositor's barcode data. The depositor barcode data includes barcode information, and the barcode information has a depositor account number message and a verification code message. Wherein, the client device can display a depositor's barcode image, allowing the barcode machine to read the depositor's barcode image, and the host computer analyzes and stores the barcode information. At least one of the host and the financial server can determine whether the barcode information is valid according to whether the verification code information conforms to a verification code generation rule. When the barcode information is judged to be valid, the financial server will select one of the depositor information in the depositor information according to the depositor account information of the barcode information and the depositor account information of the barcode information, and send the selected depositor information To the host of the business device.

Description

Financial service system based on barcode data of depositors

The present invention relates to a financial service system, in particular to a financial service system based on depositor bar code data.

At present, when bank depositors go to various branches to handle business such as deposits and withdrawals, they need to bring paper passbooks for the service personnel of the branches to perform relevant verification operations according to regulations. However, when the depositor forgets to carry the passbook or the passbook suffers from dirt and damage, it will hinder the handling of various businesses and cause a lot of inconvenience. Although there are financial services for non-deposit deposits at present, their business is limited to deposit items, and depositor qualifications for non-deposit deposits need to be applied in advance, so there are still limitations in use.

Therefore, one of the objectives of the present invention is to provide a financial service system based on depositor barcode data that can solve the aforementioned problems.

Therefore, in some implementation aspects, the new financial service system includes a financial server, a business terminal device and a client device. The financial server stores multiple depositor data, and each depositor data includes a personal identity information and a depositor account information. The business terminal device includes a host that can communicate with the financial server, and a barcode machine that is electrically connected to the host and used to read barcodes. The client device can communicate with the financial server and store a depositor barcode data. The depositor barcode data includes barcode information. The barcode information has a depositor account number message and a verification code message. Wherein, the client device can be controlled to display a pair of depositor barcode images corresponding to the depositor's barcode data, so that the barcode machine of the business terminal device can read the depositor barcode image, and the host computer of the business terminal device analyzes and Store the barcode information corresponding to the depositor's barcode image. At least one of the host computer of the business terminal device and the financial server can judge whether the barcode information is valid according to whether the verification code message of the barcode information complies with a preset verification code generation rule. When the barcode information is judged to be valid, the financial server will select one of the depositor data according to the depositor account information of the barcode information and the depositor account information of the barcode information, and Send the selected depositor information to the host of the business terminal device.

In some implementations, the barcode information also has an expiration date message; at least one of the host computer of the business terminal device and the financial server can rely on whether the expiration date message of the barcode information has not exceeded the current time, and Judging whether the barcode information has timeliness; the financial server will select and send the depositor information to the host of the business terminal device only under the condition that the barcode information is timeliness.

In some implementations, the client device can be controlled to send a barcode access request to the financial server, the barcode access request includes a pair of user personal information of the client device; the financial server can according to the Barcode access request, select the one whose personal identification information matches the user's personal information among the depositor data, generate and store a corresponding depositor barcode data, and send the depositor barcode data to the client device.

In some implementations, after analyzing and storing the barcode information, the host computer of the business terminal device will also send the barcode information to the financial server, so that the financial server can also rely on whether the barcode information sent by the host computer is consistent with Corresponding to the depositor's barcode data stored in the financial server to determine whether the barcode information is valid.

The new model has at least the following effects: the financial service system allows the depositor to quickly and conveniently complete the depositor's barcode data when he forgets to carry the passbook or the passbook is dirty and damaged by the generation and utilization of the depositor's barcode data such as a QR barcode. Application and display of the barcode image of the depositor to facilitate the handling of various depositor-related businesses.

Referring to FIG. 1 and FIG. 2 , it is an embodiment of the new financial service system 100 . The financial service system 100 can be applied to various depositor-related businesses, and includes a financial server 1 , a business terminal device 2 and a client device 3 .

The financial server 1 is, for example, a server system set up by a financial institution such as a bank, which internally stores multiple depositor information, and each depositor information includes a personal identity information and a depositor account information. The personal identity information includes information such as name, date of birth, ID card number, address, contact number, etc., and the depositor account information includes information such as depositor account number, depositor category, and customer level.

The business end device 2 is, for example, computer equipment built in each branch of the bank, including a host 21 capable of communicating with the financial server 1, and a computer that is electrically connected to the host 21 and used to read barcodes. barcode machine22. In this embodiment, although a single business terminal device 2 is used as an example, multiple devices can also be used in implementation.

The client device 3 is, for example, an electronic device such as a mobile phone used by a depositor, which can communicate with the financial server 1 and provide the depositor with various financial business processing functions through an application. In this embodiment, although a single client device 3 is used as an example, multiple depositors can also use individual client devices 3 to implement the operation of the system.

Referring to the flow chart of FIG. 2 , the operation process of the financial service system 100 is described below.

In step S01, when the user wants to apply for a barcode online for the verification function of the depositor business, he can first operate the application program of the client device 3 to perform an identity verification procedure. The identity verification procedure can be to allow the client device 3 After connecting to the financial server 1, it is performed by confirming the user password, and it can also be performed by biometric technology or by one-time password (one-time password, OTP) verification.

In steps S02~S04, after completing the identity verification procedure in step S01, the client device 3 will send a barcode access request to the financial server 1 (step S02), the barcode access request includes a pair of the customer The personal information of the user of the terminal device 3, the personal information of the user may include, for example, user account number, ID number and other information. Then, according to the barcode access request, the financial server 1 can select one of the depositor data stored in the financial server 1 whose personal identification information matches the user's personal information in the barcode access request, And generate and store a corresponding depositor barcode data (step S03). The depositor barcode data can be presented by two-dimensional barcodes such as QR barcodes, and includes barcode information, the barcode information has depositor account information corresponding to the depositor account of the depositor data, and a verification code generated according to a preset Captcha message generated by the rule. Then, in step S04, the financial server 1 will send the depositor's barcode data to the client device 3.

Accordingly, in steps S02-04, the financial server 1 will screen and compare the personal information of the user in the barcode access request sent by the client device 3 with multiple depositor data, and select the information that meets the requirements. After saving the depositor information of the user's personal information, write the depositor account number of the selected depositor information into the depositor barcode data to become the depositor account information, and write the verification code message into the depositor barcode data together, and finally will The depositor's barcode data is sent to the client device 3 for storage, and the aforementioned application procedure is completed.

In step S05, when the depositor goes to the bank branch to handle depositor-related business, but forgets to bring the passbook or the passbook is dirty or damaged, the client device 3 can be operated to display the depositor's barcode corresponding to the depositor's barcode data Image, the depositor barcode image is, for example, a QR barcode, but not limited to this type of barcode.

In steps S06~S09, the service personnel at the bank branch base can then operate the barcode machine 22 to read the depositor's barcode image displayed on the client device 3 of the depositor (step S06), so that the business terminal device will The host 21 of 2 analyzes and stores the barcode information corresponding to the barcode image of the depositor. Then, at least one of the host 21 of the business terminal device 2 and the financial server 1 can judge whether the barcode information is valid according to whether the verification code message of the barcode information complies with a preset verification code generation rule. Specifically, in this embodiment, both the host 21 and the financial server 1 perform validity verification as an example, so in step S07, the host 21 of the business terminal device 2 will first perform the verification as described above for the first time The verification program of the code message, if the verification is passed, the bar code information will be sent to the financial server 1 (step S08), and the second validity verification process of the verification code message is carried out by the financial server 1 (step S09 ). Certainly, the above-mentioned validity verification procedure can also be executed by only one of the business terminal device 2 and the financial server 1 , and is not limited to the above-mentioned embodiment.

In steps S10 and S11, when the barcode information is judged to be valid by the host computer 21 and the financial server 1, the financial server 1 will select the depositor from the depositor information according to the depositor account information of the barcode information The one whose account information matches the banker account information of the barcode information, and sends the selected banker information to the host computer 21 of the business terminal device 2 . Subsequently, the service personnel at the bank branch base can operate the host 21 that has obtained the depositor's information, and handle various businesses for the depositor who comes to handle the business at the counter.

In the aforementioned process of applying for the depositor's barcode data or performing business verification by displaying the depositor's barcode image, the depositor can simply and quickly complete the relevant procedures as long as he operates the client device 3, thus effectively solving the problem of forgetting to carry a passbook or Dirty and damaged passbooks. For financial institutions such as banks, they only need to use the existing hardware equipment of the business terminal device 2 and the financial server 1 to realize related functions, thus providing depositors with more convenient services while saving costs. Serve.

Furthermore, in steps S07-S09, in addition to verifying the validity of the barcode information, the timeliness of the barcode information can also be verified. Specifically, in steps S03 and S04, the barcode information of the depositor's barcode data generated by the financial server 1 may also have an expiration date message. The time point of the time interval (for example, 10 minutes). Then, in steps S07~S09, at least one of the host computer 21 of the business terminal device 2 and the financial server 1 can judge whether the barcode information is based on whether the validity period message of the barcode information has not exceeded the current time. Be timely. Here, take the host computer 21 and the financial server 1 as an example to perform timeliness verification, that is to say, both steps S07 and S09 will determine whether the expiry date message of the barcode information has not exceeded the current time. Subsequently, in steps S10 and S11, the financial server 1 will select and send the depositor information to the host computer 21 of the business terminal device 2 under the condition that the barcode information is time-sensitive. In this way, through the timeliness verification procedure of the barcode information, each time the depositor needs to use the above-mentioned services to apply for the depositor's barcode information and display the depositor's barcode image, the timeliness must be confirmed together, so as to ensure The barcode data of the depositor and the image of the barcode of the depositor can only be used within the effective time limit of that time, thus more effectively ensuring the security of use of the barcode data of the depositor.

In addition, in step S09, in the verification procedure of the validity of the barcode information, the financial server 1 can also rely on whether the barcode information sent by the host computer 21 corresponds to the depositor's barcode information stored in the financial server 1 to determine whether the barcode information is valid. That is to say, in addition to verifying the validity of the verification code message, the financial server 1 will also compare the barcode data of the depositors stored in the financial server 1 to see if there is any content consistent with the barcode information received in step S08 . In this way, in step S09, the financial server 1 can verify the validity of the barcode information received in step S08 through a double mechanism, thus ensuring the use security of the depositor's barcode information.

Based on the foregoing description, the new financial service system 100 allows the depositor to quickly and conveniently complete the application for the depositor's barcode data when he forgets to carry the passbook or the passbook is dirty or damaged by generating and utilizing the depositor's barcode data, such as a QR barcode. And the display of the depositor's barcode image, so as to handle various depositor-related businesses, so the purpose of this new model 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: Financial Services Systems 1: Financial server 2: Business terminal device 21: Host 22: Barcode machine 3: Client device S01~S11: 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 financial service system based on depositor's bar code data of the present invention; And Fig. 2 is the operation flowchart of this embodiment.

100: Financial Services Systems

1: Financial server

2: Business terminal device

21: Host

22: Barcode machine

3: Client device

Claims (4)

A financial service system comprising: A financial server that stores multiple depositor information, each depositor information includes a personal identity information and a depositor account information; A business terminal device, including a host that can communicate with the financial server, and a barcode machine that is electrically connected to the host and used to read barcodes; and a client device capable of connecting and communicating with the financial server, and storing a depositor barcode data, the depositor barcode data includes barcode information, the barcode information has a depositor account number message and a verification code message, Wherein, the client device can be controlled to display a pair of depositor barcode images corresponding to the depositor's barcode data, so that the barcode machine of the business terminal device can read the depositor barcode image, and the host computer of the business terminal device analyzes and Store the barcode information corresponding to the barcode image of the depositor; At least one of the host of the business terminal device and the financial server can judge whether the barcode information is valid according to whether the verification code message of the barcode information complies with a preset verification code generation rule; If it is judged to be valid, the financial server will select the one whose depositor account information matches the depositor account information of the barcode information among the depositor data according to the depositor account information of the barcode information, and will select the selected one. The depositor information is sent to the host of the business terminal device. The financial service system as described in claim 1, wherein the barcode information also has an expiration date message; at least one of the host computer of the business terminal device and the financial server can check whether the expiration date message of the barcode information It is judged whether the barcode information has timeliness before the current time; the financial server will select and send the depositor information to the host of the business terminal device only if the barcode information is timeliness. The financial service system as described in Claim 1, wherein, the client device can be controlled to send a barcode access request to the financial server, and the barcode access request includes a pair of user personal information of the client device; According to the barcode access request, the financial server can select one of the depositor data whose personal identification information matches the user's personal information, generate and store a corresponding barcode data of the depositor, and store the depositor barcode The data is sent to the client device. The financial service system as described in claim 3, wherein, after analyzing and storing the barcode information, the host computer of the business terminal device will send the barcode information to the financial server, so that the financial server can also send the barcode information according to the host computer Whether the barcode information of the account corresponds to the barcode information of the depositor stored in the financial server, so as to determine whether the barcode information is valid.

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