TWM635985U - Financial service system based on personal barcode data - Google Patents

Abstract

A financial service system based on personal barcode data includes a financial server, a client device and a business terminal device. The financial server stores multiple customer information. The client device can connect and communicate with the financial server, and store a personal barcode data, which can be decoded to convert an identity identification information. The business terminal device includes a host and a code machine. Among them, the client device can be controlled to display personal barcode data, the barcode machine of the business terminal device can scan the personal barcode data, and the host computer receives the identity information converted from the personal barcode data. The business terminal device can send the identification information to the financial server, and the financial server searches for one of the personal identification information in the customer data that matches the identification information, and sends the customer data that matches the identification information to the business terminal device.

Description

Financial service system based on personal barcode data

The present invention relates to a financial service system, in particular to a financial service system based on personal barcode data.

Among the services provided by banks and other financial institutions to customers, some services can be handled without verifying the customer's identity certificate. When handling this kind of business, service personnel usually have no way of knowing the customer's identity information and past business transaction information, so it is difficult to provide more personalized customer service.

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

Therefore, in some embodiments, the financial service system based on personal barcode data includes a financial server, a client device, and a business terminal device. The financial server stores multiple pieces of customer information, each of which includes a personal identity information and a piece of financial information. The client device can communicate with the financial server and store a personal barcode data. The personal barcode data can be decoded to convert identity identification information, and the identity identification information includes at least one of name information, birthday information and ID card information. The business terminal device includes a host and a bar code machine, the host can communicate with the financial server, and the bar code is electromechanically connected to the host and can read the personal bar code data. Wherein, the client device can be controlled to display the personal barcode data, the barcode machine of the business terminal device can scan the personal barcode data, and the host computer receives the identity information converted from the personal barcode data; the business terminal device can Send the identification information to the financial server, and the financial server searches for one of the personal identification information of the customer data that matches the identification information, and transmits the customer data that matches the identification information to the Business device.

In some implementations, the client device can send a barcode application request including an identity information to be verified to the financial server, and the financial server verifies that the identity information to be verified corresponds to the client of the client device Whether the data match, if the result matches, the financial server will generate a corresponding personal barcode data based on the personal identity information of the matched customer data, and send the personal barcode data to the client device for storage.

In some implementation aspects, the client device displays the personal barcode information in the form of a QR barcode.

The present invention has at least the following effects: through the coordinated operation of the financial server, the client device and the business terminal device, when a bank customer goes to a bank branch to handle a financial business that does not require verification of personal certificates, the client device displays The simple operation steps of the personal barcode data can let the bank service personnel know the personal identity information and financial information of the bank customer, so that it can provide personalized customer service and help to speed up the subsequent business handling operations.

100: Financial Services Systems

1: Financial server

2: Client device

3: Business terminal device

31: Host

32: bar code machine

S01~S09: 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 illustrating an embodiment of the new financial service system based on personal barcode data; and FIG. 2 is an operation flow chart of the embodiment.

Referring to FIG. 1 and FIG. 2 , it is an embodiment of the new financial service system 100 based on personal barcode data. In this embodiment, the financial service system 100 is described as including a financial server 1, a client device 2 and a business terminal device 3, but the specific implementation is not limited thereto. For example, a The financial server 1 operates together with multiple client devices 2 and multiple business terminal devices 3 .

The financial server 1 is a server system installed by a financial institution such as a bank, and internally stores a plurality of customer data, each of which includes a personal identity information and a financial information. For example, the personally identifiable information may include information such as photo, name, date of birth, ID card, address, and contact number, and the financial information may include information such as various financial accounts, asset information, and bank membership level.

The client device 2 is an electronic device owned by a customer of a financial institution such as a bank, such as a mobile phone, but not limited thereto. The client device 2 can communicate with the financial server 1 and store a personal barcode data which is helpful for handling financial services. The personal barcode data is, for example, a QR barcode, but not limited thereto, and can be decoded to convert an identity identification information, the identity identification information including at least one of a name information, a birthday information and an ID card information.

The business terminal device 3 includes a host computer 31 and a bar code machine 32, which can be installed in each branch of the bank for bank service personnel to use when handling various businesses. The host computer 31 is, for example, a personal computer or a notebook computer, and can communicate with the financial server 1 via a line. The bar code machine 32 is electrically connected to the host computer 31, and Can read the personal barcode information.

Referring to the flow chart of FIG. 2 , the operation process of the financial service system 100 based on personal barcode data will be described below.

In steps S01-S04, when the bank customer wants to apply for the personal barcode data, he can operate the application program (application) of the client device 2, so that the client device 2 sends a barcode application request including an identity information to be verified to For the financial server 1 (step S01), the identity information to be verified may include personal information similar to the personal identity information such as name, date of birth, ID card number, and information for identifying the client device 2 . After the financial server 1 receives the barcode application request, it can further verify whether the identity information to be verified is consistent with the customer information corresponding to the client device 2 (step S02). If the result is consistent, the financial server 1 will follow the matching The personal identity information of the customer data generates a corresponding personal barcode data, and transmits the personal barcode data to the client device 2 for storage.

In steps S06-S09, when a bank customer goes to a bank branch to handle financial services, he can operate the application program of the client device 2 to make the client device 2 display the personal barcode information in the form of a QR barcode (step S05). Subsequently, the bank service personnel can operate the business terminal device 3, scan the personal barcode data displayed by the bank customer through the client device 2 by the barcode machine 32 (step S06), and receive the personal barcode data conversion by the host computer 31 The identification information (name information, birthday information or ID card information) of the identity (step S07). Then, the host 31 of the business terminal device 3 can send the identification information to the financial server 1 (step S08), and the financial server 1 searches for the personal identification information of the customer data that matches the identification information and send the customer data matching the identity information to the business terminal device 3 (step S09). In this way, the bank service staff can use the display of the business terminal device 3 to The customer information presented on the monitor (not shown) can know the personal identity information and financial information of the current bank customer, so that the bank customer can be properly provided with more personalized business services, and there is no need to The process of checking personal documents of bank customers is simple and effective. Moreover, when the bank service personnel handle financial business for the bank customer, they can also extract some data from the customer data received in step S09 to use in the business process, so that the need for data filling, form filling and other operating procedures can be reduced. It saves time and improves the efficiency and convenience of business handling.

Based on the foregoing description, the new financial service system 100 based on personal barcode data, through the coordinated operation of the financial server 1, the client device 2 and the business terminal device 3, does not need to verify personal certificates when a bank customer goes to a bank branch When conducting financial business, through the simple operation steps of displaying the personal barcode data through the client device 2, the bank service personnel can know the personal identity information and financial information of the bank customer, so that personalized customer service can be provided, and Conducive to the acceleration of follow-up business handling operations, 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: Financial Services Systems

1: Financial server

2: Client device

3: Business terminal device

31: Host

32: bar code machine

Claims (3)

A financial service system based on personal barcode data, including: A financial server storing multiple pieces of customer information, each of which includes a personal identity information and a piece of financial information; A client device, capable of communicating with the financial server, and storing a personal barcode data, which can be decoded to convert an identity identification information, the identity identification information includes a name message, a birthday message and a at least one of the identity card information; and A business terminal device, including a host and a bar code machine, the host can communicate with the financial server, the bar code is electromechanically connected to the host and can read the personal bar code data, Wherein, the client device can be controlled to display the personal barcode data, the barcode machine of the business terminal device can scan the personal barcode data, and the host computer receives the identity information converted from the personal barcode data; the business terminal device can Send the identification information to the financial server, and the financial server searches for one of the personal identification information of the customer data that matches the identification information, and transmits the customer data that matches the identification information to the Business device. The financial service system based on personal barcode data as described in claim 1, wherein the client device can send a barcode application request including identity information to be verified to the financial server, and the financial server verifies the to-be-verified Whether the identity information is consistent with the customer information corresponding to the client device, if the result is consistent, the financial server will generate a corresponding personal barcode data based on the personal identity information of the matching customer information, and store the personal barcode data sent to the client device for storage. The financial service system based on personal barcode data as described in claim 1 or 2, wherein the client device displays the personal barcode data in the form of a QR barcode.

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