TWM651687U - Visually impaired accessible online banking system - Google Patents

Abstract

A visually impaired accessible online banking system includes an online banking server device, an automatic teller machine (ATM) device and a visually impaired electronic device. The ATM device communicates with the online banking server device. The visually impaired electronic device communicates with the online banking server device to control the ATM device to dispense cash through voiceprint recognition comparison and password confirmation.

Description

Visually Impaired Accessible Online Banking System

The present invention relates to a visually impaired and barrier-free online banking system.

Taiwan's barrier-free voice ATMs currently provide three services: debit card withdrawals, balance inquiries, and password changes. Cardholders only need to press "5" on the numeric keypad of the ATM machine, and then put on the bank's attached Headset and follow voice instructions to complete the above three services. Braille instructions are also provided at each operating position, such as the headphone jack, buttons, debit card insertion slot, cash withdrawal slot, and statement withdrawal slot. However, barrier-free voice ATMs are not yet able to provide cardless cash withdrawals.

One implementation aspect of this case is to provide a visually impaired accessible online banking system, which includes an online banking server device, an automatic teller machine device, and a visually impaired electronic device. The ATM device communicates with the online banking server device. The visually impaired electronic device communicates with the online banking server device to control the ATM device to dispense cash through voiceprint recognition comparison and password confirmation.

In some embodiments, the visually impaired electronic device includes an image capture unit for image scanning the ATM device.

In some embodiments, the visually impaired electronic device includes a microphone unit for receiving the voiceprint of the visually impaired customer.

In some embodiments, the online banking server device includes a processor to perform voiceprint recognition comparison and password verification.

In some embodiments, the online banking server device includes a storage unit for storing the original voiceprint of the visually impaired customer.

In some embodiments, the online banking server device includes a network interface unit for communicating with the ATM device.

In some embodiments, the ATM device includes a network interface unit for communicating with the online banking server device.

In some embodiments, the ATM device includes a display unit for displaying a QR code connected to the ATM device when button 5 is pressed.

In some embodiments, the ATM device includes a processor to activate the display unit to display the QR code when the button 5 is pressed.

In some embodiments, the visually impaired electronic device includes a visually impaired accessible online banking application to perform a process of voiceprint recognition comparison and password confirmation.

The visually impaired accessible online banking system disclosed in this case provides a visually impaired and accessible cardless withdrawal process. Security of this system is key, so voice passwords, voiceprint recognition and communications must be secure to prevent unauthorized access. Users should receive appropriate accessibility support to ensure they can easily operate visually impaired electronic devices.

The following will clearly illustrate the spirit of this application with drawings and detailed descriptions. Anyone with ordinary knowledge in the technical field, after understanding the embodiments of this application, can make changes and modifications based on the techniques taught in this application without departing from the spirit of this application. Spirit and scope.

The terms used herein are only used to describe specific embodiments and are not intended to be limiting. Singular forms such as "a", "this", "this", "this" and "the", as used herein, also include the plural form.

The words "includes", "includes", "has", "contains", etc. used in this article are all open terms, which mean including but not limited to.

The building management system in this case is an integrated technology solution designed to assist in the management and operation of the building, thereby improving efficiency, saving costs and providing a better user experience. The architecture of a building management system consists of a number of important components, which will be expanded upon in more detail below with reference to the diagram.

Please refer to Figures 1 and 2 at the same time. Figure 1 illustrates the hardware configuration of the visually impaired accessible online banking system 100 according to some embodiments of this case. Figure 2 illustrates the visually impaired accessible online banking system according to some embodiments of this case. How it works 200. The visually impaired accessible online banking system 100 includes an online banking server device 110, an ATM device 120 and a visually impaired electronic device 140. The process of the online banking server device 110 executing financial services through its processor 112, storage unit 114 and network interface unit 116 generally includes the following steps.

The processor 112 of the online banking server device 110 is a core component responsible for executing various financial service applications and business logic. These applications may include user authentication, account management, transaction processing, report generation, etc. The processor 112 is responsible for processing user requests and converting them into corresponding data processing operations.

The storage unit 114 is used to save various data, including user account information, transaction records, security certificates, application codes, etc. Storage unit 114 may also include a database system for efficient retrieval and storage of financial data. When the user makes a request, the storage unit 114 provides the required data so that the processor 112 can perform related operations.

The network interface unit 116 is responsible for communicating with external networks. It can handle requests sent by users over the Internet or internal networks and send corresponding responses to users. This includes communication between the browser or mobile application and the online banking server. The network interface unit 116 may also include security features to ensure the protection of sensitive financial data, such as SSL/TLS encryption.

The execution process of financial services usually includes: the user establishes a connection with the online banking server through his browser or application; the user sends a request, such as checking account balance, transferring money, paying bills, etc.; the network interface unit 116 of the online banking server device 110 receives The request is passed to the processor 112 for processing; the processor 112 uses the data and business logic in the storage unit 114 to perform the corresponding operation; when the operation is completed, the processor 112 generates response data and returns it to the network interface Unit 116; the network interface unit 116 sends the response data to the user, and the user can view the results in his browser or application; the entire process requires a high degree of security and reliability to ensure the security of financial transactions and data. Therefore, the online banking server device 110 usually implements various security measures, such as encryption, authentication, and monitoring, to protect the user's information and financial assets.

To realize visually impaired accessible online banking functions, such as voiceprint recognition comparison and password confirmation, the online banking server device 110 needs to integrate corresponding technologies and functions. The following are general steps on how to perform these functions by the processor 112, the storage unit 114, and the network interface unit 116.

The processor 112 is responsible for executing application programs and related logic for visually impaired accessibility functions. This may include features such as voiceprint recognition, password management, user authentication, and more. The following are some steps: When a visually impaired user wishes to use voiceprint recognition for identity verification, the processor 112 will receive a voice sample from the user and analyze and compare it using a voiceprint recognition algorithm. This may require storing previously registered voiceprint samples for comparison. If the comparison is successful, the user is identified as a legitimate user. The processor 112 also needs to process the password entered by the user. If the user chooses to enter a password, the processor 112 will receive, store and compare the password entered by the user. Passwords should be stored in a secure storage unit 114 to ensure confidentiality. The storage unit 114 is responsible for storing the user's identity recognition information, original voiceprint model, password hash value and other data. This data is stored when a user registers a voiceprint or sets a password. When a user attempts to log in, the storage unit is used for comparison and verification. The network interface unit 116 is responsible for processing the user's network requests. This includes receiving a user's voice sample (voiceprint recognition) or password input and forwarding it to a processor for processing. The network interface unit 116 is also responsible for providing relevant responses to the user, such as information on successful or failed authentication. To realize the online banking function for the visually impaired, it is necessary to integrate the processor 112, the storage unit 114 and the network interface unit 116 to support functions such as voiceprint recognition and password confirmation. The implementation of these functions requires strong security measures to ensure the protection of users' data and financial information. At the same time, the special needs of visually impaired users also need to be considered to ensure that they can conveniently use online banking services.

The visually impaired electronic device 140 is usually a specially designed auxiliary device (for example, including a visually impaired accessible online banking application), aiming to enable visually impaired users to easily access online banking services. This device needs to cooperate with the online banking server device 110 to realize visually impaired accessible online banking functions, such as voiceprint recognition comparison and password confirmation. The following is a general process illustrating how these functions are implemented.

Display unit 142: Although the device is targeted at visually impaired users, it may still have display functionality to support partially sighted users. This display unit can be used to display text, guidance or prompts to assist the user. For users who are completely visually impaired, this section may not apply.

The image capture unit 144 is usually used to capture QR codes, barcodes, documents or images. In the visually impaired accessible online banking function, the image capture unit 144 can be used to capture the QR code to quickly navigate to the online banking application or specific functions. For example, when users wish to enter voiceprint recognition mode, they can scan a QR code containing specific instructions.

The microphone unit 146 is used to capture the user's voice. This is an important input method for visually impaired users and can be used to perform functions such as voiceprint recognition and voice input of passwords.

The key to enabling the visually impaired electronic device 140 to realize barrier-free online banking functions is to enable these devices and functions to work smoothly with the online banking server device 110 . Below is a brief step-by-step description. The visually impaired electronic device 140 selects a desired function, such as logging in, performing a transfer, or setting up a new payment account. If necessary, the user can use the image capture unit 144 to scan the QR code or input specific information. For example, scan the QR code on an online banking app to quickly enter the app. If the user chooses to use voiceprint recognition, the microphone unit 146 will capture a sample of their voice. These samples will be sent to the online banking server device 110 for comparison to verify the user's identity. If the user chooses to use a password, they can use microphone unit 146 to voice enter the password. This voice input will be sent to the online banking server device 110 for confirmation. The online banking server device 110 will receive and process the user's request, whether it is from voiceprint recognition or password input. The server will confirm the user's identity, perform the corresponding operation, and then return the result to the user's visually impaired electronic device 140 .

The automatic teller machine (ATM) 120 can cooperate with the online banking server device 110 to realize visually impaired accessible online banking functions, such as supplying cash. The processor 122 of the ATM is responsible for processing user requests, including withdrawing cash, checking account balance, etc. For visually impaired customers, the processor needs to support accessibility features, such as voice guidance or voice input, to assist them in completing operations. The storage unit 124 saves data related to ATM operations, including user account information, transaction records, cash reserves, etc. It can also store sound files or text guides required for accessibility functionality. The display unit 125 of the ATM is used to display information to the user. For visually impaired customers, this could be an interface for Braille display, voice prompts or providing a touch screen to support accessibility. The network interface unit 126 is responsible for communicating with the online banking server device 110 . It allows the ATM to transmit the user's request to the server to perform corresponding operations, such as verifying the user's identity, retrieving account information, processing withdrawals, etc. The visually impaired customer approaches the ATM and uses the interface specifically required by him or her to start the operation (press 5 on the ATM button, and the QR code linked to the ATM device is displayed on the display unit 125). Users are required to authenticate, either by entering a password, providing biometric characteristics (such as a fingerprint or iris scan), or using other authentication methods. Once users are verified, they can select the desired functionality, such as withdrawing cash. The ATM's processor will process the user's request, including communicating with the online banking server device 110 to verify the request. If all goes well, the ATM will supply the required cash. For visually impaired customers, it can inform the user through voice prompts or Braille display how much cash is available and ask the user to confirm. Once the transaction is completed, the ATM will provide the corresponding transaction confirmation and receipt so that the customer can verify the transaction.

Please refer to Figure 2. In step 202 of the method 200, the visually impaired customer can use the visually impaired electronic device 140 to cooperate with the online banking server device 110 to implement functions such as voiceprint recognition comparison and password confirmation. The visually impaired customer first uses the visually impaired electronic device 140 to select an identity verification method. They can choose to authenticate using voiceprint recognition or a password. If the customer chooses to use voiceprint recognition, they need to use the microphone unit 146 of the visually impaired electronic device to record their voice sample. This sample will include their voiceprint signature. The sound samples will be sent to the online banking server device 110 for processing. The server will use voiceprint recognition technology to compare samples to verify the customer's identity. If the voiceprint recognition is successful, the customer will be identified as a legitimate user and can continue to access their account. If the customer chooses to use a password, they can enter their password using the keyboard of the visually impaired electronic device 140 or voice input. The password will be sent to the online banking server device 110 for confirmation. The server compares the entered password with the saved secure encryption password. If the password match is successful, the customer will be identified as a legitimate user and can continue to access their account. In order to ensure security, the visually impaired electronic device 140 and the online banking server device 110 must implement strong security measures, including data encryption, identity verification, intrusion prevention, etc. Both voiceprint recognition and password entry should be strictly protected. Customer voice samples and passwords are sensitive information and should be subject to appropriate privacy protections and regulatory compliance. To ensure accessibility, good user support should be provided, including voice guidance and an easy-to-use interface to assist visually impaired customers with authentication and other operations.

In step 204 of the method 200, the visually impaired customer uses his or her electronic device to scan the automated teller machine (ATM), and the system identifies whether it is our bank's ATM. Visually impaired customers can use the visually impaired electronic device 140 to scan the ATM and identify whether it is a compatible ATM of the bank. The visually impaired customer first uses the visually impaired electronic device 140 to select "ATM recognition mode" or a similar option. The image capture unit 144 of the visually impaired electronic device 140 will open the lens and prepare for scanning. The customer points the lens of the visually impaired electronic device 140 at the target ATM. They may use audible cues or vibration feedback on the device to help accurately align the ATM. The customer triggers the visually impaired electronic device 140 to start scanning the ATM. This can be through buttons, voice commands, or other means of operation. The image capturing unit 144 of the visually impaired electronic device 140 will capture the image of the ATM or the image of a specific area. The captured images will be processed to detect features or logos on the ATM, such as bank logos, QR codes or other identifying information. The software of the visually impaired electronic device 140 (such as the ChatGPT AI camera image recognition function) will analyze the processed image and try to identify whether the ATM is the customer's ATM. If the recognition is successful, the visually impaired electronic device 140 will provide a corresponding sound prompt or text guide to inform the customer whether they can use the ATM. If the ATM cannot be recognized as the bank's ATM, the visually impaired electronic device 140 can provide suggestions or warnings.

In step 206 of the method 200, press 5 on the ATM button to cause the ATM to display the QR code connected to the ATM device. The ATM includes a processor to activate the display unit to display the QR code when the button 5 is pressed.

In step 208 of the method 200, the visually impaired customer uses his visually impaired electronic device 140 to scan the QR code displayed on the ATM device 120, so that his visually impaired electronic device 140 is linked to the ATM device 120. The visually impaired customer can use the visually impaired electronic device 140 to scan the QR code displayed on the ATM device 120 to connect to the ATM device 120 . The visually impaired customer first uses the visually impaired electronic device 140 to select "ATM control mode" or a similar option, which will activate the function of scanning the QR code. The image capture unit 144 of the visually impaired electronic device 140 will open the lens and prepare to scan the QR code. The customer points the lens of the visually impaired electronic device 140 at the QR code displayed on the ATM device 120 . They may use audible prompts or vibration feedback on the device to help accurately align the QR code. The customer triggers the visually impaired electronic device 140 to start scanning the QR code. This can be through buttons, voice commands, or other means of operation. The software of the visually impaired electronic device 140 will decode the scanned QR code, which will contain information about the ATM device 120, such as machine location, operating instructions and related functions. The visually impaired electronic device 140 will establish a connection with the ATM device 120 .

In step 210 of the method 200, the visually impaired customer can use the visually impaired electronic device 140 to voice input the ATM withdrawal password, and cooperate with the online banking server device 110 to perform voiceprint recognition comparison and confirm the password, and then control the automatic withdrawal. The machine device 120 dispenses banknotes. The visually impaired customer activates the visually impaired electronic device 140 and enters the ATM cash withdrawal mode. The visually impaired customer uses the microphone unit 146 of the visually impaired electronic device 140 for voice input, and inputs his or her ATM withdrawal password into the device by voice. The visually impaired electronic device 140 transmits the voice password input by the customer to the online banking server device 110 for confirmation. The server will compare the entered password to confirm the customer's identity. The online banking server device 110 may require the customer to use the microphone unit 146 of the visually impaired electronic device 140 to record his or her voice sample for voiceprint recognition. The voice samples will be used by the server for voiceprint recognition comparison to further verify the customer's identity. If both voice code and voiceprint recognition are successful, the server will confirm the customer's identity and allow them to control the ATM. The customer uses the visually impaired electronic device 140 to send an instruction to the ATM, requesting it to dispense cash. This can be through voice commands or other accessible means. The ATM performs a cash dispensing operation and provides the cash required by the customer.

Based on the above, the visually impaired and accessible online banking system disclosed in this case provides a visually impaired and accessible cardless withdrawal process. Security of this system is key, so voice passwords, voiceprint recognition and communications must be secure to prevent unauthorized access. Users should receive appropriate accessibility support to ensure they can easily operate visually impaired electronic devices.

Although this case is disclosed as above using embodiments, it is not intended to limit this case. Anyone familiar with this technology can make various changes and modifications without departing from the spirit and scope of this case. Therefore, the scope of protection of this case shall be regarded as appended. The scope of the patent application shall prevail.

100: Accessible online banking system for the visually impaired 110: Online banking server installation 112: Processor 114:Storage unit 116:Network interface unit 120:ATM device 122: Processor 124:Storage unit 125:Display unit 126:Network interface unit 140: Electronic devices for the visually impaired 142:Display unit 144:Image interception unit 146:Microphone unit 200:Method 202:Step 204:Step 206:Step 208:Step 210: Step

The accompanying drawings herein are incorporated into the specification and constitute a part of the specification. These drawings illustrate embodiments consistent with the present invention, and together with the description, are used to explain the technical solutions of the embodiments of the present invention. Figure 1 illustrates a hardware configuration diagram of a visually impaired accessible online banking system according to some embodiments of this case. Figure 2 illustrates the operation method of the visually impaired accessible online banking system according to some embodiments of the present case.

100: Accessible online banking system for the visually impaired

110: Online banking server installation

112: Processor

114:Storage unit

116:Network interface unit

120:ATM device

122: Processor

124:Storage unit

125:Display unit

126:Network interface unit

140: Electronic devices for the visually impaired

142:Display unit

144:Image interception unit

146:Microphone unit

Claims (10)

A visually impaired accessible online banking system, including: An online banking server device; An automatic teller machine device, communicating with the online banking server device; and An electronic device for the visually impaired communicates with the online banking server device to control the ATM device to dispense money through voiceprint recognition comparison and password confirmation. The visually impaired accessible online banking system as described in claim 1, wherein the visually impaired electronic device includes an image capture unit for image scanning the ATM device. The visually impaired accessible online banking system as described in claim 1, wherein the visually impaired electronic device includes a microphone unit to receive the voiceprint of the visually impaired customer. The visually impaired accessible online banking system as described in claim 1, wherein the online banking server device includes a processor to perform voiceprint recognition comparison and password confirmation. The visually impaired accessible online banking system as described in claim 1, wherein the online banking server device includes a storage unit to store the original voiceprint of the visually impaired customer. The visually impaired accessible online banking system as described in claim 1, wherein the online banking server device includes a network interface unit for communicating with the ATM device. The visually impaired accessible online banking system as described in claim 1, wherein the ATM device includes a network interface unit for communicating with the online banking server device. The visually impaired accessible online banking system as described in claim 1, wherein the ATM device includes a display unit for displaying a QR code linked to the ATM device when the button 5 is pressed. The visually impaired accessible online banking system of claim 8, wherein the ATM device includes a processor to activate the display unit to display the QR code when the button 5 is pressed. The visually impaired accessible online banking system as described in claim 1, wherein the visually impaired electronic device includes a visually impaired accessible online banking application to perform the process of voiceprint recognition comparison and password confirmation.

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