TWM635823U - Mobile Device Forex Trading Authentication Device - Google Patents

Abstract

This model provides a mobile device foreign exchange transaction authentication device, so as to provide users with natural person certificates to apply for binding mobile devices to the device provided by this model, and when the bank server receives a foreign exchange transaction order, it will compare the verification from the foreign exchange transaction order Whether the user information to be verified and the device identification code to be verified contained in the instruction are consistent with the binding user information and the binding device identification code respectively. And when the above comparisons are consistent, the new model will obtain the user's identity verification and digital signature through the natural person certificate to conduct foreign exchange transactions. To sum up, through this new model, the problem of identity verification for foreign exchange transactions and the problem of outsourced third-party verification of information security can be solved at the same time, thereby improving the efficiency and safety of foreign exchange transactions.

Description

Mobile Device Forex Trading Authentication Device

A transaction identity verification device, in particular a mobile device foreign exchange transaction verification device for carrying out foreign exchange transactions on a mobile device.

At present, foreign exchange transactions need to be signed by vouchers to determine whether to declare transactions for themselves. With the increasing popularity of mobile devices, it has become one of the most convenient ways for users to conduct foreign exchange transactions through mobile devices. However, the technical problems of identity verification and digital signature have become technical problems that various financial institutions need to overcome. .

At present, software companies have provided third-party authentication services to financial institutions, such as: Taiwan network authentication, but this also extends additional fees to software companies. Furthermore, in view of the fact that the security of the third-party verification provided by various software companies is different, there is a risk of leakage of user information.

Therefore, how to propose a transaction identity verification device that solves the above problems has become a problem to be solved in the technical field.

In order to solve the above problems, according to an embodiment, the present invention provides a mobile device foreign exchange transaction authentication device, which is signal-connected to at least one user mobile device belonging to at least one user, and a bank server. device and a certificate management center of the Ministry of the Interior, the foreign exchange transaction authentication device of the mobile device includes: a binding module and an identity verification/signature certificate module.

Further, the above-mentioned binding module is signal-connected to the above-mentioned mobile device of the user and the certificate management center of the Ministry of the Interior to receive a mobile device binding application transmitted by the user through the mobile device of the user, and send the application to the certificate management center of the Ministry of the Interior Transmit a credential information. Wherein, the above-mentioned mobile device binding application includes a binding user information, a binding device identification code and the above-mentioned credential information. After verifying that the above-mentioned certificate information is correct through the above-mentioned certificate management center of the Ministry of the Interior, the above-mentioned binding module will receive a verification result from the above-mentioned certificate management center of the Ministry of the Interior, and then complete the above-mentioned mobile device binding application and generate a binding Information. The above-mentioned identity verification/signature certificate module is connected to the above-mentioned binding module, the above-mentioned bank server and the above-mentioned certificate management center of the Ministry of the Interior, and is used to record the above-mentioned binding device identification code record of the above-mentioned user according to the above-mentioned binding information It is a bound user's mobile device, and record the bound user information corresponding to the bound information. Wherein, when the above-mentioned bank server receives a foreign exchange transaction instruction, the above-mentioned bank server generates and transmits a verification instruction to the above-mentioned identity verification/signature certificate module according to the information contained in the above-mentioned foreign exchange transaction order, and the above-mentioned identity verification/signature certificate module The signature certificate module compares whether the user information to be verified and the device identification code to be verified contained in the above verification command are consistent with the above bound user information and the above bound device identification code respectively. And when the above-mentioned user information to be verified and the above-mentioned device identification code to be verified match the above-mentioned bound user information and the above-mentioned bound device identification code respectively, the above-mentioned identity verification/signature certificate module transmits the above-mentioned certificate information to the above-mentioned certificate management of the Ministry of the Interior The center obtains the above-mentioned verification result, and generates and transmits an identity verification and a digital signature to the above-mentioned bank server according to the above-mentioned verification result to execute the above-mentioned foreign exchange transaction order.

According to another embodiment, the binding user information in the above-mentioned binding information recorded by the above-mentioned identity verification/signature certificate module corresponds to a plurality of the above-mentioned binding device identification codes.

According to another embodiment, the above-mentioned bound device identification code and the above-mentioned equipment identification code to be verified include an International Mobile Equipment Identity (IMEI).

According to another embodiment, the above credential information is the credential information of the natural person to which the above user belongs.

According to another embodiment, the above-mentioned platform for transmitting the above-mentioned foreign exchange transaction order through the above-mentioned bank server is an online bank.

According to another embodiment, when the bank server completes or fails to execute the foreign exchange transaction instruction, it will return the foreign exchange transaction result to the mobile device of the user.

According to another embodiment, when the above-mentioned foreign exchange transaction instruction cannot be executed, it is because the above-mentioned identity verification/signature certificate module cannot complete the verification, and cannot return the above-mentioned identity verification and the above-mentioned digital signature to the above-mentioned bank server.

According to another embodiment, the above-mentioned foreign exchange transaction instruction includes large-amount foreign exchange settlement and foreign currency outward remittance transactions.

The functions that can be claimed by this model include: (1) This model binds the user's mobile device and personal data through the natural person certificate, so that before executing foreign exchange transactions, the information of the user and mobile device can be confirmed through the binding information, and then through the natural person The verification of certificates obtains identity verification and digital signatures, which can be used as authentication information required for foreign exchange transactions. (2) The certificate of natural persons is verified through the certificate management center of the Ministry of the Interior, without the need for third-party verification through outsourced software companies, which can improve the security of user data. (3) There is no need to pay management fees in the verification method of natural person certificates.

100: mobile device foreign exchange transaction authentication device

102: Binding module

104: Identity verification/signature certificate module

120: User mobile device

200: Bank server

300: Certificate Management Center of the Ministry of the Interior

500-550: steps

In order to make the above-mentioned technology and other purposes, features, advantages and embodiments of the present invention more obvious and easy to understand, the accompanying drawings are described as follows: Figure 1 is a mobile device foreign exchange transaction authentication according to an embodiment of the present invention Schematic diagram of the device structure.

FIG. 2 is a flowchart illustrating the implementation of a foreign exchange transaction authentication device for a mobile device according to an embodiment of the present invention.

In order to describe various embodiments of the present invention more specifically, the accompanying drawings are used for description below.

Please refer to FIG. 1 . FIG. 1 is a schematic structural diagram of a foreign exchange transaction authentication device for a mobile device according to an embodiment of the present invention.

As shown in Fig. 1, according to an embodiment, the present invention provides a mobile device foreign exchange transaction authentication device 100, which is signally connected to at least one user mobile device 120 belonging to at least one user, a bank server 200, and a certificate management center 300 of the Ministry of the Interior. The mobile device foreign exchange transaction authentication device 100 includes: a binding module 102 and an identity verification/signature certificate module 104 . The binding module 102 is signal-connected to the mobile device 120 of the user and the credential management center 300 of the Ministry of the Interior for receiving a mobile device binding application transmitted by the user through the mobile device 120 of the user, and submitting the application to the credential management of the Ministry of the Interior. The center 300 transmits a credential information. Wherein, the above-mentioned mobile device binding application includes a binding user information, a binding device identification code and the above-mentioned credential information. After verifying that the above-mentioned certificate information is correct through the above-mentioned certificate management center 300 of the Ministry of the Interior, the above-mentioned binding module 102 will receive a verification result from the above-mentioned certificate management center 300 of the Ministry of the Interior, and then complete the above-mentioned mobile device binding application, and generate 1. Binding information. The above-mentioned identity verification/signature certificate module 104 is signally connected to the above-mentioned binding module 102 and the above-mentioned bank server 200 and the certificate management center 300 of the Ministry of the Interior is used to register the above-mentioned bound device identification code record of the above-mentioned user as a bound user mobile device according to the above-mentioned binding information, and record the above-mentioned bound user corresponding to the above-mentioned binding information Information. Wherein, when the above-mentioned bank server 200 receives a foreign exchange transaction instruction, the above-mentioned bank server 200 generates and transmits a verification instruction to the above-mentioned identity verification/signature certificate module 104 according to the information contained in the above-mentioned foreign exchange transaction instruction, and the above-mentioned The identity verification/signature certificate module 104 compares whether the user information to be verified and the device identification code to be verified contained in the verification command are consistent with the binding user information and the binding device identification code respectively. And when the above-mentioned user information to be verified and the above-mentioned device identification code to be verified match the above-mentioned bound user information and the above-mentioned bound device identification code respectively, the above-mentioned identity verification/signature certificate module 104 transmits the above-mentioned certificate information to the above-mentioned Ministry of the Interior certificate The management center 300 obtains the above-mentioned verification result, and generates and transmits an identity verification and a digital signature to the above-mentioned bank server 200 according to the above-mentioned verification result to execute the above-mentioned foreign exchange transaction instruction. The mobile device foreign exchange transaction authentication device 100 can be, for example, a server host, a rented cloud host, or a service device formed by a combination of multiple hosts, and has information processing and network connection capabilities. The user mobile device 120 mentioned above can be, for example, a portable computer device with connection capability or communication capability. Furthermore, the user mobile device 120 can be, for example, a smart phone, a tablet computer or a notebook computer.

According to another embodiment, the binding user information in the above-mentioned binding information recorded by the above-mentioned identity verification/signature certificate module 104 corresponds to a plurality of the above-mentioned binding device identification codes. That is, the same user can apply to the mobile device foreign exchange transaction authentication device 100 for binding multiple mobile devices, wherein each mobile device corresponds to a device identification code.

According to another embodiment, the above-mentioned bound device identification code and the above-mentioned equipment identification code to be verified include an International Mobile Equipment Identity (IMEI).

According to another embodiment, the above credential information is the credential information of the natural person to which the above user belongs.

According to another embodiment, the above-mentioned platform for transmitting the above-mentioned foreign exchange transaction order through the above-mentioned bank server 200 is an online bank.

According to another embodiment, when the bank server 200 completes or fails to execute the foreign exchange transaction instruction, it will return the foreign exchange transaction result to the mobile device 120 of the user.

According to another embodiment, when the above-mentioned foreign exchange transaction instruction cannot be executed, it is because the above-mentioned identity verification/signature certificate module 104 cannot complete the verification, and cannot return the above-mentioned identity verification and the above-mentioned digital signature to the above-mentioned bank server 200 .

According to another embodiment, the above-mentioned foreign exchange transaction instruction includes large-amount foreign exchange settlement and foreign currency outward remittance transactions.

According to another embodiment, the above-mentioned binding module 102 and identity verification/signature certificate module 104 may be implemented by hardware circuits and software, or all of them may be implemented by hardware circuits.

Please refer to FIG. 2 . FIG. 2 is an implementation flow diagram of a foreign exchange transaction authentication device for a mobile device according to an embodiment of the present invention. Figure 2 includes steps 500-550, which are described in detail below.

In step 500, the user binds the user's mobile device with the natural person certificate, and provides user information and device identification code required for binding. Wherein, the user information may be, for example, the user's name, ID number or transaction account number; the device identification code may be, for example, the International Mobile Device Identification Number.

In step 510, the user wants to conduct foreign exchange transactions, and transmits foreign exchange transaction instructions through the user's mobile device. Among them, the foreign exchange transaction order is a large amount of foreign exchange settlement or foreign currency remittance remittance transaction.

In step 520, whether the mobile device of the user transmitting the foreign exchange transaction order has been bound with a natural person certificate. If yes, go to step 530 ; if no, go to step 550 .

In step 530, whether the user information and device identification code contained in the foreign exchange transaction order is consistent with the information at the time of binding. If yes, go to step 540 ; if no, go to step 550 .

In step 540, the foreign exchange transaction order is executed by the bank server.

In step 550, the foreign exchange transaction order is terminated.

The present invention is only disclosed in preferred embodiments, but anyone familiar with the technical field should understand that the above embodiments are only used to describe the present invention, and are not intended to limit the scope of patent rights claimed by the present invention. All changes or substitutions that are equal or equivalent to the above-mentioned embodiments should be interpreted as falling within the spirit or scope of the present invention. Therefore, the scope of protection of the present invention should be defined by the scope of the following patent application.

100: mobile device foreign exchange transaction authentication device

102: Binding module

104: Identity verification/signature certificate module

120: User mobile device

200: Bank server

300: Certificate Management Center of the Ministry of the Interior

Claims (9)

A mobile device foreign exchange transaction authentication device, signally connected to at least one user mobile device belonging to at least one user, a bank server, and a certificate management center of the Ministry of the Interior, including: a binding module, signally connected to the user's mobile device and the internal affairs The certificate management center of the Ministry of the Interior is used to receive a mobile device binding application transmitted by the user through the user's mobile device, and transmit a certificate information to the certificate management center of the Ministry of the Interior, wherein the mobile device binding application includes a binding user information, a bound device identification code, and the certificate information, wherein, after verifying that the certificate information is correct through the certificate management center of the Ministry of the Interior, the binding module will receive a verification result from the certificate management center of the Ministry of the Interior, Then complete the binding application of the mobile device, and generate a binding information; and an identity verification/signature certificate module, the signal is connected to the binding module, the bank server and the certificate management center of the Ministry of the Interior, and is used according to the The binding information records the user's binding device identification code record as a bound user's mobile device, and records the binding user information corresponding to the binding information, wherein, when the bank server receives a For a foreign exchange transaction order, the bank server generates and transmits a verification instruction to the identity verification/signature certificate module based on the information contained in the foreign exchange transaction order, and the identity verification/signature certificate module compares the verification Whether the user information to be verified and the device identification code to be verified contained in the instruction are consistent with the bound user information and the bound device identification code respectively, wherein, when the user information to be verified and the device identification code to be verified are respectively When the bound user information and the bound device identification code match, the identity verification/signature certificate module transmits the certificate information to the certificate management center of the Ministry of the Interior to obtain the verification result, and generates and transmits a certificate based on the verification result. identity verification and a digital signature to the bank server to execute the foreign exchange transaction order. The mobile device foreign exchange transaction authentication device as described in claim 1, wherein the binding user information in the binding information recorded by the identity verification/signature certificate module corresponds to a plurality of binding device identification codes. The mobile device foreign exchange transaction authentication device according to claim 1, wherein the binding device identification code and the device identification code to be verified include an international mobile device identification code. The mobile device foreign exchange transaction authentication device as described in claim 1, wherein the certificate information is the certificate information of a natural person to which the user belongs. The mobile device foreign exchange transaction authentication device as described in claim 1, wherein the platform for transmitting the foreign exchange transaction instruction through the bank server is an online bank. According to the mobile device foreign exchange transaction authentication device described in claim 1, when the bank server completes or fails to execute the foreign exchange transaction instruction, it will return a foreign exchange transaction result to the user's mobile device. The mobile device foreign exchange transaction authentication device as described in claim 6, wherein when the foreign exchange transaction instruction cannot be executed, it is because the identity verification/signature certificate module cannot complete the verification, and cannot return the identity verification and the digital signature chapter to the bank server. According to the mobile device foreign exchange transaction authentication device described in claim 1, the foreign exchange transaction instruction includes large-amount foreign exchange settlement and foreign currency outward remittance transactions. According to the mobile device foreign exchange transaction authentication device described in claim 1, the user's mobile device is a smart phone, a tablet computer or a notebook computer.

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