TWM639497U - Verification system for automatic teller machine using fast identity online technology - Google Patents

Abstract

A verification system for automatic teller machine using fast identity online technology includes an ATM device, a mobile communication device and a host server. The ATM device reads the credential information of a chip financial card. The mobile communication device contains identity-specific authentication information. The host server is connected to the ATM device and the mobile communication device, and correspondingly displays a barcode pattern on the ATM device in response to the certificate information. When the mobile communication device reads the barcode pattern and sends it back to the host server, the host server verifies whether the barcode pattern matches the authentication information; when it is determined that the barcode pattern matches the authentication information, the mobile communication device performs a biometric verification process on the user, and after confirming that it is correct, notifies the host server to execute the identity binding procedure of the certificate message and the authentication information.

Description

Automatic teller machine verification system using online rapid identification technology

This work is about an automatic teller machine verification system, especially an automatic teller machine verification system using online rapid identification technology.

Financial certificates must be used when the current electronic bank security control benchmark regulates that the transaction amount is not low-risk. The current online banking solution is to apply for a financial certificate. At present, only natural person certificates use Fast IDentity Online (FIDO) technology to provide mobile communication device applications (APP) for identity authentication. Chip financial cards can also use FIDO (Fast IDentity Online) technology. The certificate of the chip financial card is bound to the application program (APP) of the mobile communication device for use by the mobile network ATM (referred to as eATM) system.

However, the Internet ATM (eATM) system needs to use a chip financial card, which can only be used by purchasing a card reader on a personal computer, and cannot be implemented on a mobile communication device application program (APP).

In this way, how to develop a solution to improve the above-mentioned direction of efforts is really an important issue that cannot be delayed by the relevant industry.

This creation proposes an automatic teller machine verification system using online rapid identification technology to solve the problems of the prior art.

According to one embodiment of the present invention, an automatic teller machine verification system using online rapid identification technology includes an automatic teller machine device, a mobile communication device and a host server. The automatic teller machine equipment is used to read the credential information of a chip financial card. Mobile communication devices contain authentication information representing a specific identity. The host server is connected to the automatic teller machine equipment and the mobile communication device through a network structure, and is used to provide and display a barcode pattern on the automatic teller machine equipment in response to the certificate information. When the mobile communication device reads the barcode pattern and sends it back to the host server, the host server verifies whether the barcode pattern matches the authentication information; when it is verified that the barcode pattern matches the authentication information, the mobile communication device performs biometric verification on a user program, and after confirming that the biometric verification process is correct, notify the host server to execute the identity binding process of the chip financial card certificate information and authentication information.

According to one or more embodiments of the invention, in the above-mentioned automatic teller machine verification system using online rapid identification technology, the automatic teller machine equipment includes a card reading device, a display device, a message exchange device and a central control unit. The card reading device is used to read the credential information of the chip financial card. The display device is used for displaying barcode patterns. The message exchange device is connected to the host server through the network structure. The central control unit is electrically connected to the display device, the card reading device and the message exchange device for exchanging messages with the host server through the message exchange device.

According to one or more embodiments of the present invention, in the above-mentioned automatic teller machine verification system using online rapid identification technology, the mobile communication device includes a biometric reading unit, a barcode scanner, a communication unit and a processor unit. The biometric reading unit is used for performing a biometric verification procedure on the user. The barcode scanner is used to scan and read the barcode pattern. The communication unit is connected to the host server through the network structure. The processor unit is electrically connected to the biological characteristic reading unit, the barcode scanner and the communication unit, and is used for exchanging information with the host server through the communication unit.

According to one or more embodiments of the invention, in the above-mentioned automatic teller machine verification system using online rapid identification technology, the biometric reading unit is a fingerprint scanner, a palmprint scanner, a face scanner, and an iris scanner One of them with a voiceprint scanner.

According to one or more embodiments of the present invention, in the above-mentioned automatic teller machine verification system using online rapid identification technology, the barcode scanner is a QR code scanner.

According to one or more embodiments of the present invention, in the above-mentioned automatic teller machine verification system using online rapid identification technology, the mobile communication device further includes a storage device and a chip financial card credential module. The storage device is electrically connected to the processor unit. The chip financial card credential module is stored in the storage device and is electrically connected to the processor unit for recording authentication information and activating the barcode scanner and the biometric reading unit.

According to one or more embodiments of the present invention, in the above-mentioned automatic teller machine verification system using online quick identification technology, the mobile communication device further includes a mobile online banking module. The mobile online banking module is stored in the storage device. When the mobile online banking module uses the authentication information to log in to the host server, the host server provides the original online banking transaction authority to the mobile online banking module.

According to one or more embodiments of the present invention, in the above-mentioned automatic teller machine verification system using online rapid identification technology, when the mobile online banking module uses the chip financial card certificate information to log in to the host server, the host server provides a default The transaction authority of the physical teller machine is given to the mobile online banking module.

According to one or more embodiments of the present invention, in the above-mentioned automatic teller machine verification system using online rapid identification technology, the mobile communication device is one of a smart phone, a tablet computer and a notebook computer.

According to one or more embodiments of the invention, in the above-mentioned automatic teller machine verification system using online rapid identification technology, the host server includes a host database, a barcode production module, a network communication unit, a verification unit and a central processing unit. The host database is used to store multiple pieces of financial card information, one of which is consistent with the certificate information. The barcode creation module is used to provide barcode patterns corresponding to the voucher information of the chip financial card. The network communication unit connects the automatic teller machine equipment and the mobile communication device through the network structure. The verification unit is used for verifying the certificate information of the chip financial card, verifying the barcode pattern and verification information, and confirming the biometric verification procedure. The central processing unit is electrically connected to the host database, the barcode making module, the network communication unit and the verification unit to control the host database, the barcode making module, the network communication unit and the verification unit, and through the network communication unit to communicate with the automatic The teller machine equipment and the mobile communication device exchange messages respectively.

In this way, through the above-mentioned structure, the automatic teller machine verification system of this invention can allow users to log in to the network ATM of the mobile phone, and be provided with the same authority and transaction amount as the ATM.

The above description is only used to explain the problem to be solved by this creation, the technical means to solve the problem, and its effects, etc. The specific details of this creation will be introduced in detail in the following implementation methods and related drawings.

The following will disclose multiple implementations of this creation with diagrams. For the sake of clarity, many practical details will be described together in the following description. However, those skilled in the art should understand that in some implementations of the present invention, these practical details are not necessary, and thus should not be used to limit the present invention. In addition, for the sake of simplifying the drawings, some well-known structures and components will be shown in a simple and schematic manner in the drawings. In addition, for the convenience of readers, the size of each element in the drawings is not drawn according to actual scale.

FIG. 1 is an electronic block diagram of an automatic teller machine verification system 100 using online rapid identification technology according to an embodiment of the present invention. As shown in FIG. 1 , the automatic teller machine authentication system 100 includes a plurality of automatic teller machine equipment 200 , at least one mobile communication device 300 and a host server 400 . Each automatic teller machine (ATM) device 200 is located in each area, and can provide the user with physical services at the counter. The mobile communication device 300 includes authentication information representing a specific identity, such as a smart phone. However, the present work is not limited thereto. The mobile communication device 300 may also be one of a tablet computer and a notebook computer. The host server 400 connects the automatic teller machine equipment 200 and the mobile communication device 300 through a network structure N.

Therefore, when the automatic teller machine (ATM) equipment 200 receives a chip financial card and reads the credential information of the chip financial card, the host server 400 correspondingly provides a barcode pattern (such as a QR code pattern) to the automatic teller machine device 200 in response to the credential message for display on the automatic teller machine device 200.

In this way, when the mobile communication device 300 reads the barcode pattern and sends it back to the host server 400, the host server 400 verifies whether the barcode pattern matches the authentication information; The user performs the biometric verification procedure to determine whether the biometric verification procedure is correct; when the biometric verification procedure is confirmed to be correct, the mobile communication device 300 notifies the host server 400 to execute the identity binding procedure of the chip financial card certificate information and authentication information .

FIG. 2 is a schematic diagram of the ATM device 200 in FIG. 1 . As shown in FIG. 2 , the automatic teller machine equipment 200 includes a card reading device 210 , a display device 220 , a message exchange device 230 and a central control unit 240 . The card reading device 210 is used for reading the certificate information of the chip financial card. The display device 220 is used for displaying barcode patterns. The message exchange device 230 is connected to the host server 400 through the network structure N. The central control unit 240 is electrically connected to the display device 220 , the card reading device 210 and the message exchange device 230 for exchanging messages with the host server 400 through the message exchange device 230 .

FIG. 3 is an electronic block diagram of the host server 400 in FIG. 1 . As shown in FIG. 3 , the mobile communication device 300 includes a biometric reading unit 310 , a barcode scanner 320 , a communication unit 330 and a processor unit 350 . The biometric reading unit 310 is used for performing a biometric verification process on the user. The barcode scanner 320 is used for scanning and reading barcode patterns. The communication unit 330 is connected to the host server 400 through the network structure N. The processor unit 350 is electrically connected to the biometric reading unit 310 , the barcode scanner 320 and the communication unit 330 for exchanging information with the host server 400 through the communication unit 330 .

More specifically, the mobile communication device 300 further includes a storage device 340 and a chip financial card credential module 341 . The storage device 340 is electrically connected to the processor unit 350 . The chip financial card credential module 341 is stored in the storage device 340 and is electrically connected to the processor unit 350 for recording authentication information and activating the barcode scanner 320 and the biometric reading unit 310 . The mobile communication device 300 further includes a mobile online banking module 342 . The mobile online banking module 342 is stored in the storage device 340 . When the mobile online banking module 342 uses the authentication information to log in to the host server 400 , the host server 400 provides the original online banking transaction authority to the mobile online banking module 342 . Conversely, when the mobile online banking module 342 logs in to the host server 400 using the credential information of the chip financial card, the host server 400 provides a default physical teller machine transaction authority to the mobile online banking module 342 .

In this embodiment, the biometric reading unit 310 is a fingerprint scanner, a palmprint scanner, a face scanner, an iris scanner or a voiceprint scanner, and the barcode scanner 320 is a QR code scanner , however, the present invention is not limited thereto. The storage device 340 is, for example, a memory, a hard disk, a flash disk and/or a solid state disk.

FIG. 4 is an electronic block diagram of the mobile communication device 300 in FIG. 1 . As shown in FIG. 4 , the host server 400 includes a host database 410 , a barcode creation module 420 , a network communication unit 430 , a verification unit 440 and a central processing unit 450 . The host database 410 is used to store multiple pieces of financial card information, one of which is consistent with the certificate information. The barcode making module 420 is used to provide a barcode pattern corresponding to the voucher information of the chip financial card. The network communication unit 430 connects the automatic teller machine equipment 200 and the mobile communication device 300 through the network structure N. The verification unit 440 is used for verifying the certificate information of the chip financial card, verifying the barcode pattern and verification information, and confirming the biometric verification procedure. The central processing unit 450 is electrically connected to the host database 410, the barcode making module 420, the network communication unit 430 and the verification unit 440, and is used to control the host database 410, the barcode making module 420, the network communication unit 430 and the verification unit 440 , and exchange messages with the automatic teller machine equipment 200 and the mobile communication device 300 respectively through the network communication unit 430 .

FIG. 5 is a flowchart of the ATM verification system 100 in FIG. 1 . As shown in FIG. 5 , the ATM verification system 100 performs verification according to steps 1 to 12 . In step 1, the chip financial card credential module 341 and the mobile online banking module 342 are respectively installed in the mobile communication device 300 . In step 2, the user inserts a chip financial card into the automatic teller machine 200, and inputs the financial card password to log in the corresponding account. In step 3, the user clicks "Apply for FIDO chip financial card certificate" in the options of the automatic teller machine device 200 . In step 4, accept the certificate information of the chip financial card and accept the user's application. In step 5, verify whether the certificate information of the chip financial card is qualified, if so, proceed to step 6, otherwise, terminate the procedure. In step 6, a barcode pattern is provided in response to the voucher information of the chip financial card. In step 7, the barcode pattern is displayed on the display device 220 of the automatic teller machine equipment 200 . In step 8, the user activates the barcode scanner 320 to scan and read the barcode pattern through the chip financial card credential module 341 . In step 9, check whether the barcode pattern matches the authentication information, if yes, go to step 10, otherwise, stop the procedure. In step 10, the biometric reading unit 310 is activated through the chip financial card credential module 341 to perform a biometric verification procedure for the user. In step 11, after knowing that the biometric verification procedure is correct, execute the identity binding procedure of the chip financial card certificate information and authentication information. In step 12, when the mobile online banking module 342 logs in the host server 400 with the certificate information of the chip financial card, the host server 400 provides a default physical teller machine transaction authority to the mobile online banking module 342 .

In this way, through the above-mentioned structure, the automatic teller machine verification system of this invention can allow users to log in to the network ATM of the mobile phone, and be provided with the same authority and transaction amount as the ATM.

Finally, the embodiments disclosed above are not intended to limit this creation. Anyone who is familiar with this technique can make various changes and modifications without departing from the spirit and scope of this creation, and all of them can be protected in this creation. creation. Therefore, the scope of protection of this creation should be defined by the scope of the attached patent application.

1~12: Steps 100: ATM verification system 200: Automatic teller machine equipment 210: card reading device 220: display device 230: message exchange device 240: Central control unit 300:Mobile communication device 310: Biometric reading unit 320: barcode scanner 330: communication unit 340: storage device 341: Chip financial card credential module 342:Mobile online banking module 350: processor unit 400: host server 410: host database 420: Barcode production module 430: Network communication unit 440: verification unit 450: central processing unit N: network architecture

In order to make the above-mentioned and other purposes, features, advantages and embodiments of this creation more obvious and easy to understand, the description of the accompanying drawings is as follows: Figure 1 is an electronic block diagram of an automatic teller machine verification system using online rapid identification technology according to an embodiment of the invention. Fig. 2 is a schematic diagram of the automatic teller machine equipment in Fig. 1 . FIG. 3 is an electronic block diagram of the host server in FIG. 1 . FIG. 4 is an electronic block diagram of the mobile communication device in FIG. 1 . FIG. 5 is a flow chart of the automatic teller machine authentication system in FIG. 1 .

100: ATM verification system

200: Automatic teller machine equipment

300:Mobile communication device

400: host server

N: network architecture

Claims (10)

An automatic teller machine verification system using online rapid identification technology, including: An automatic teller machine device for reading the certificate information of a chip financial card; A mobile communication device containing authentication information representing a specific identity; and a host server, connected to the automatic teller machine equipment and the mobile communication device through a network structure, for correspondingly providing and displaying a barcode pattern on the automatic teller machine equipment in response to the credential information of the chip financial card, When the mobile communication device reads the barcode pattern of the automatic teller machine equipment and sends it back to the host server, the host server verifies whether the barcode pattern matches the authentication information; when it is verified that the barcode pattern matches the authentication information information, the mobile communication device performs a biometric verification procedure on a user, and after confirming that the biometric verification procedure is correct, notifies the host server to execute the binding of the certificate information of the chip financial card with the identity of the authentication information program. The automatic teller machine verification system using online rapid identification technology as described in claim 1, wherein the automatic teller machine equipment includes: A card reading device, used to read the certificate information of the chip financial card; a display device for displaying the barcode pattern; a messaging device connected to the host server through the network infrastructure; and A central control unit is electrically connected to the display device, the card reading device and the message exchange device for exchanging messages with the host server through the message exchange device. The automatic teller machine verification system using online rapid identification technology as described in claim 1, wherein the mobile communication device includes: a biometric reading unit for performing the biometric verification procedure on the user; a barcode scanner for scanning and reading the barcode pattern; a communication unit connected to the host server through the network architecture; and A processor unit is electrically connected to the biometric reading unit, the barcode scanner and the communication unit, and is used for exchanging information with the host server through the communication unit. The automatic teller machine verification system using online rapid identification technology as described in claim 3, wherein the biometric reading unit is a fingerprint scanner, a palmprint scanner, a face scanner, an iris scanner and a voiceprint One of the scanners. The automatic teller machine verification system using online rapid identification technology as described in claim 3, wherein the barcode scanner is a QR code scanner. The automatic teller machine verification system using online rapid identification technology as described in claim 3, wherein the mobile communication device further includes: a storage device electrically connected to the processor unit; and A chip financial card credential module is stored in the storage device and is electrically connected to the processor unit for recording the authentication information and activating the barcode scanner and the biometric reading unit. The automatic teller machine verification system using online rapid identification technology as described in claim 6, wherein the mobile communication device further includes: a mobile online banking module stored in the storage device, When the mobile online banking module uses the authentication information to log in to the host server, the host server provides the original online banking transaction authority to the mobile online banking module. The automatic teller machine authentication system using online quick identification technology as described in claim 7, wherein when the mobile online banking module uses the credential information of the chip financial card to log in to the host server, the host server provides a default The transaction authority of the physical teller machine is given to the mobile online banking module. The automatic teller machine verification system using online rapid identification technology as described in claim 1, wherein the mobile communication device is one of a smart phone, a tablet computer, and a notebook computer. The automatic teller machine verification system using online rapid identification technology as described in claim 1, wherein the host server includes: A host database for storing multiple pieces of financial card information, one of which is consistent with the certificate information; A barcode production module, used to provide the barcode pattern in response to the voucher information of the chip financial card; a network communication unit, connecting the automatic teller machine equipment and the mobile communication device through the network structure; a verification unit for verifying the certificate information of the chip financial card, verifying the barcode pattern and the verification information, and confirming the biometric verification procedure; and A central processing unit electrically connected to the host database, the barcode making module, the network communication unit and the verification unit for controlling the host database, the barcode making module, the network communication unit and the verification unit, and exchange messages with the automatic teller machine equipment and the mobile communication device respectively through the network communication unit.

Images