TWM642661U - Financial Transaction Identity Verification System - Google Patents

Abstract

A financial transaction identity verification system is suitable for cooperating with a client electronic device provided with a user identity module storing an identification code, an automatic teller machine and a telecommunications verification server, and includes a processing unit and a storage unit. After receiving a card-not-present transaction request including the identification code and a communication number from the client electronic device, the processing unit sends it to the telecommunications verification server, so that the telecommunications verification server executes a telecommunications verification procedure. The processing unit controls the automatic teller machine to switch to a card-not-present transaction mode after receiving a verification pass notification indicating that the identification code matches the communication number from the telecommunications verification server. Thereby, the financial transaction authentication system can make the card-not-present transaction service more convenient and easy to use.

Description

Financial Transaction Identity Verification System

The present invention relates to an identity verification system, in particular to an identity verification system for financial transactions.

In order to allow users to operate ATMs without using a financial card, many banks have introduced the cardless transaction function of ATMs. However, the existing card-not-present transaction function requires the user to download and install the bank's application program on a mobile device and activate the card-not-present transaction service before using it, and it is necessary to open the application program and log in to the bank's server before each use. The procedure is quite cumbersome. Moreover, if the user changes the mobile phone, he must re-download the application program and reset it, which causes inconvenience to the user. Based on the above, there is still room for improvement in the card-not-present transaction mechanism in the prior art.

Therefore, the purpose of the present invention is to provide a financial transaction identity verification system that uses telecommunication verification to enable card-not-present transactions.

Thus, the novel financial transaction identity verification system is suitable for use with a client electronic device operated by a customer, an automatic teller machine and a telecommunications verification server. In combination, the client electronic device is provided with a user identity module storing an identification code. The financial transaction identity verification system includes a processing unit and a storage unit. The processing unit is suitable for electrically connecting the client electronic device, the automatic teller machine and the telecommunications verification server. The storage unit is electrically connected to the processing unit, and stores a plurality of account information respectively corresponding to a plurality of financial accounts. After the processing unit receives a card-not-present transaction request indicating the automatic teller machine and including the identification code and a communication number from the client electronic device, it sends a telecommunications verification request including the identification code and the communication number to the A telecommunications verification server, so that the telecommunications verification server executes a telecommunications verification procedure on the identification code and the communication number according to the telecommunications verification request. After the processing unit receives a verification pass notification corresponding to the telecommunication verification request and indicating that the identification code matches the communication number from the telecommunication verification server, according to the information corresponding to the card-not-present transaction request in the account information One piece of target account information controls the automatic teller machine to switch to a card-not-present transaction mode that allows the financial account corresponding to the target account information to conduct card-free financial transactions.

In some implementations, the storage unit also stores a plurality of customer identification data respectively corresponding to the account data. The card-not-present transaction request also includes identification data to be verified. After the processing unit receives the card-not-present transaction request, it first judges whether there is one of the target customer identification data that matches the identification data to be verified among the customer identification data, and the processing unit determines whether the customer identification data When the target customer identification data exists in the data, the target customer identification data corresponding to the Account information is used as the target account information, and the telecommunications verification request is sent to the telecommunications verification server.

In some implementations, the storage unit also stores a plurality of preset passwords respectively corresponding to the account information. The processing unit first controls the automatic teller machine to display a password input prompt after receiving the verification pass notification, and when receiving a password to be verified from the automatic teller machine, judges whether the password to be verified is consistent with the target account information The corresponding preset password matches, and when the judgment result is yes, the automatic teller machine is controlled to switch to the card-not-present transaction mode.

The effect of the present model is that: the processing unit can transmit the telecommunications verification request to the telecommunications verification server according to the identification code and communication number in the card-not-present transaction request, so that the telecommunications verification server can execute the telecommunications verification procedure accordingly, and the The processing unit will control the automatic teller machine to switch to the card-not-present transaction mode when receiving the verification pass notification representing the passing of the telecommunications verification procedure. In this way, if the user wants to use the automatic teller machine for card-not-present transactions, there is no need to open and log in Therefore, the new model can make the card-not-present transaction service of the automatic teller machine more convenient and easy to use, and indeed improves the inconvenience of the prior art.

1: Financial transaction identity verification system

11: Processing unit

12: storage unit

10: Client electronic device

20: Automatic teller machine

30: Telecom verification server

S01~S10: 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 schematic block diagram of a hardware used to represent an embodiment of the novel financial transaction identity verification system, and a client electronic device, an automatic teller machine and a telecommunications verification server suitable for cooperating with the embodiment; and Fig. 2 is a flowchart, which is used to exemplarily represent the mode of operation of this embodiment.

Before the present invention is described in detail, it should be noted that in the absence of special definition, "electrically connected" in this patent specification is used to describe computer hardware (such as electronic systems, equipment, devices, units) , components) between the "coupled" relationship, and generally refers to the "wired electrical connection" between multiple computer hardware physically connected to each other through conductor/semiconductor materials, and the use of wireless communication technology (such as but not Limited to wireless network, bluetooth and electromagnetic induction, etc.) to realize the "radio connection" of wireless data transmission. On the other hand, unless otherwise specified, the "electrical connection" mentioned in this patent specification also refers to the "direct electrical connection" realized by direct coupling between multiple computer hardware, and the multiple computer hardware It is an "indirect electrical connection" realized through indirect coupling of other computer hardware.

Before the present invention is described in detail, it should be noted that the "unit" mentioned in this patent specification refers to computer hardware rather than software. For example, "processing unit" is used to represent a computer with data processing functions. Hardware or a combination of multiple computer hardware.

Referring to FIG. 1 , an embodiment of the novel financial transaction identity verification system 1 belongs to a banking institution, and the financial transaction identity verification system 1 is suitable for use with a client electronic device 10 that can be operated by a customer, and a client electronic device 10 that belongs to the bank. The automatic teller machine 20 of the banking institution cooperates with a telecommunications verification server 30 .

The client electronic device 10 is, for example, a mobile phone held by the customer, and a user identity module storing an identification code is disposed in the client electronic device 10 . Specifically, the user identity module is a physical SIM card or embedded SIM card set by a telecommunications service provider for the customer, and the identification code is a unique identification code corresponding to the user identity module, for example But not limited to Integrated Circuit Card Identity (ICCID) or International Mobile User Identity (IMEI). By setting the user identity module, the client electronic device 10 can connect to the Internet through the mobile communication network service (such as 4G or 5G mobile network) provided by the telecommunications service provider.

The automatic teller machine 20 is used for the customer to operate and provide financial transaction services, wherein the financial transaction services may be, for example, cash withdrawal, deposit, transfer, etc., but not limited thereto. In particular, the automatic teller machine 20 can be controlled by the financial transaction identity verification system 1 to switch to a card-free transaction mode that allows customers to conduct card-free financial transactions. More specifically, when the automatic teller machine 20 is in the card-free In the transaction mode, the customer can utilize the aforementioned financial transaction service provided by the automatic teller machine 20 without inserting a financial card into the automatic teller machine 20 . On the other hand, the automatic teller machine 20 can also be operated by customers to display a linked barcode, wherein the linked barcode can be, for example, a two-dimensional barcode (QR Code), and includes a unique device identification data corresponding to the automatic teller machine 20 and a web page link corresponding to a verification web page, and the verification web page is stored in the financial transaction identity verification system 1, for example. Thereby, the client electronic device 10 can obtain the device identification data by scanning the link barcode, and electrically connect with the financial transaction identity verification system 1 through the network, and then obtain and display the information from the financial transaction identity verification system 1 The verification page.

The telecommunications verification server 30 belongs to, for example, an identity verification service organization that has a cooperative relationship with the telecommunications service provider, whereby, for the user identity module provided by the telecommunications service provider, the telecommunications verification server 30 can use the The identification code stored in the identity module and the mobile phone number are authenticated by MID to determine whether the identification code matches the mobile phone number.

The financial transaction identity verification system 1 includes a processing unit 11 and a storage unit 12 . The processing unit 11 is suitable for electrically connecting the client electronic device 10 , the automatic teller machine 20 and the telecommunications verification server 30 through a network.

The storage unit 12 is electrically connected to the processing unit 11, and stores a plurality of account information corresponding to a plurality of financial accounts, a plurality of customer identification data corresponding to the account information, and a plurality of account information corresponding to the accounts The default password for the profile. More specifically, each account information is, for example, the account number of a corresponding financial account, and each customer identification information may be a customer's ID number and One or a combination of birthdays, each preset password is a financial transaction password preset by the corresponding customer for the financial account it owns, but it is not limited thereto.

More specifically, in this embodiment, the financial transaction identity verification system 1 is a server device, the processing unit 11 is a processor implemented by an integrated circuit and has the functions of data calculation and command sending and receiving, and the storage unit 12 is a data storage device for storing digital data (such as a hard disk, or other types of computer-readable recording media). However, in similar implementations, the processing unit 11 may also be a processing circuit including a processor, and the storage unit 12 may also be a collection of multiple storage devices of the same or different types. Further, in other embodiments, the financial transaction identity verification system 1 can also be implemented as a plurality of servo devices electrically connected to each other, in this case, the processing unit 11 can be implemented as the A set of multiple processors/processing circuits, and the storage unit 12 can be implemented as a set of multiple storage devices respectively possessed by the server devices. Therefore, the actual implementation of the financial transaction identity verification system 1 in terms of computer hardware is not limited to this embodiment.

With reference to FIG. 2 , the operation of the financial transaction identity verification system 1 of this embodiment will be described below.

Firstly, as shown in step S01, the processing unit 11 receives from the client electronic device 10 an ID card containing an identification data to be verified, a communication number, the device identification data and the identification code stored in the user identity module. Card transaction request. Wherein, the identification data to be verified may be, for example, one of ID card number and birthday or a combination thereof In combination, the communication number is a mobile phone number, and the device identification data can make the card-not-present transaction request indicate the automatic teller machine 20.

More specifically, if the customer wants to use the automatic teller machine 20 for card-not-present financial transactions, the customer can operate the client electronic device 10 to scan the link barcode displayed on the automatic teller machine 20, thereby making the client electronic device 10 10 Obtain the device identification data and the webpage link, and then obtain and display the verification webpage from the financial transaction identity verification system 1 according to the webpage link (equivalent to establishing a communication and electrical connection with the processing unit 11 through the network). Moreover, the card-not-present transaction request is generated and sent by the client electronic device 10 according to the user operation received by the verification webpage when the client electronic device 10 displays the verification webpage. Among them, the identification data and communication number to be verified in the card-not-present transaction request are manually input into the client electronic device 10 by the customer according to the prompt in the verification webpage, and the identification code and the device identification data are The client electronic device 10 automatically enters the card-not-present transaction request.

Next, as shown in step S02, when the processing unit 11 receives the card-not-present transaction request, it judges whether there is a target customer identification that matches the identification data to be verified among the customer identification data in the storage unit 12. material. If the determination result of the processing unit 11 is yes, it means that the identification data to be verified input by the customer is valid. In this case, the process proceeds to step S04. On the other hand, if the judgment result of the processing unit 11 is negative, it means that the identification data to be verified input by the customer is invalid. In this case, the process proceeds to step S03.

In step S03 , the processing unit 11 sends a bank customer authentication failure notification to the client electronic device 10 .

In step S04, the processing unit 11 regards the account data corresponding to the target customer identification data as a piece of target account data in this embodiment, and sends a telecommunications verification request including the identification code and the communication number to the telecommunications The verification server 30 enables the telecommunication verification server 30 to perform a telecommunication verification procedure on the identification code and the communication number according to the telecommunication verification request. Wherein, the telecommunications verification program uses the identification code and the communication number to verify the MID door number to determine whether the identification code and the communication number match. Since the details of the telecommunications verification program executed by the telecommunications verification server 30 are not the focus of this patent specification, they will not be described in detail here.

Next, as shown in step S05, when the processing unit 11 receives a verification result notification from the telecommunications verification server 30, it judges whether the verification result notification is a corresponding to the telecommunications verification request and indicates that the identification code and the Verification pass notification for communication number match. If the determination result of the processing unit 11 is yes, then proceed to step S07. On the other hand, if the determination result of the processing unit 11 is negative, then proceed to step S06.

In step S06 , the processing unit 11 sends a telecommunication verification failure notification to the client electronic device 10 .

In step S07, the processing unit 11 controls the ATM 20 to display a password input prompt, thereby prompting the customer to input a password corresponding to the target account information.

Next, as shown in step S08, when the processing unit 11 receives a password to be verified inputted into the automatic teller machine 20 by the customer from the automatic teller machine 20, it determines whether the password to be verified corresponds to the target account information The default password matches. If the determination result of the processing unit 11 is yes, then proceed to step S10. On the other hand, if the determination result of the processing unit 11 is negative, then proceed to step S09.

In step S09 , the processing unit 11 sends a password error notification to the ATM 20 .

In step S10, the processing unit 11 controls the automatic teller machine 20 to switch to a non-card transaction mode that allows the financial account corresponding to the target account information to perform card-free financial transactions, so as to allow the customer to use the card-free transaction mode. The financial transaction services provided by the automatic teller machine 20 are used.

In summary, the processing unit 11 of the financial transaction identity verification system 1 can transmit a telecommunications verification request to the telecommunications verification server 30 according to the identification code and communication number in the card-not-present transaction request, so that the telecommunications verification server 30 Accordingly, the telecommunications verification program is executed, and the processing unit 11 will control the automatic teller machine 20 to switch to the card-not-present transaction mode when receiving the notification of passing the verification on behalf of the telecommunications verification program. In this way, if the user wants to use the automatic The teller machine 20 does not need to open a card for cardless transactions. It is not necessary to re-download and install the application program because of changing the mobile phone after opening and logging into the bank application program. In this way, the financial transaction identity verification system 1 can make the card-not-present transaction service of the automatic teller machine 20 more convenient and easy to use, so it is indeed Can reach the purpose of this novel.

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.

1: Financial transaction identity verification system

11: Processing unit

12: storage unit

10: Client electronic device

20: Automatic teller machine

30: Telecom verification server

Claims (3)

A financial transaction identity verification system, suitable for cooperating with a client electronic device operated by a client, an automatic teller machine and a telecommunications verification server, the client electronic device is provided with a user identity module storing an identification code ; The financial transaction authentication system includes: a processing unit adapted to electrically connect the client electronic device, the automatic teller machine and the telecommunications authentication server; and A storage unit, electrically connected to the processing unit, and storing a plurality of account data respectively corresponding to a plurality of financial accounts; After the processing unit receives a card-not-present transaction request indicating the automatic teller machine and including the identification code and a communication number from the client electronic device, it sends a telecommunications verification request including the identification code and the communication number to the a telecommunications verification server, so that the telecommunications verification server performs a telecommunications verification procedure on the identification code and the communication number according to the telecommunications verification request; After the processing unit receives a verification pass notification corresponding to the telecommunication verification request and indicating that the identification code matches the communication number from the telecommunication verification server, according to the information corresponding to the card-not-present transaction request in the account information One piece of target account information controls the automatic teller machine to switch to a card-not-present transaction mode that allows the financial account corresponding to the target account information to conduct card-free financial transactions. The financial transaction identity verification system as claimed in claim 1, wherein: The storage unit also stores a plurality of customer identification data respectively corresponding to the account data; The card-not-present transaction request also includes identification data to be verified; After the processing unit receives the card-not-present transaction request, it first judges whether there is one of the target customer identification data that matches the identification data to be verified among the customer identification data, and the processing unit determines whether the customer identification data When the target customer identification data exists in the data, the account data corresponding to the target customer identification data is used as the target account data, and the telecommunications verification request is sent to the telecommunications verification server. The financial transaction identity verification system as claimed in claim 1, wherein: The storage unit also stores a plurality of preset passwords respectively corresponding to the account information; The processing unit first controls the automatic teller machine to display a password input prompt after receiving the verification pass notification, and when receiving a password to be verified from the automatic teller machine, judges whether the password to be verified is consistent with the target account information The corresponding preset password matches, and when the judgment result is yes, the automatic teller machine is controlled to switch to the card-not-present transaction mode.

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