TWM654446U - System of logging in mobile internet bank - Google Patents

Abstract

The present disclosure provides a system of logging in a mobile internet bank, which includes a bank middle-end server and a mobile device, and the mobile device is communicatively connected to the online banking middle-end server. The online banking middle-end server provides the financial services of the mobile internet bank of a predetermined bank. The mobile device executes a mobile internet banking program of the predetermined bank to send request of verification through another bank to the bank middle-end server, so that the bank middle-end server can send the verification data to the mobile device. The executes a verification program of said another bank and inputs the verification data to the verification program of said another bank, so that the bank middle-end server can allows the mobile internet bank of the predetermined bank to log in the mobile internet bank.

Description

Login to mobile online banking system

This novel invention relates to a computer system, and in particular to a system for logging into a mobile network bank and an internal instant communication method for personnel.

Nowadays, many people have multiple bank accounts and often need to access their respective bank applications (APPs) to manage funds, transfer funds, etc.

However, entering the bank APP requires entering the account number and password, and these account numbers and passwords are different, so it is very inconvenient to use.

This new technology proposes a system for logging into mobile network banking to improve the problems of previous technologies.

In one embodiment of the present invention, the system for logging into mobile network banking proposed by the present invention includes a bank middle office server and a mobile device, and the mobile device is communicatively connected to the bank middle office server. The bank middle office server provides financial services of mobile network banking of a predetermined bank, and the mobile device executes the mobile network banking program of the predetermined bank to send a request for verification through other banks to the bank middle office server, so that the bank middle office server responds with verification data to the mobile device, and the mobile device executes the verification program of other banks and inputs the verification data to the verification program of other banks so that the bank middle office server allows the mobile network banking program of the predetermined bank to log into the mobile network banking.

In one embodiment of the present invention, the system for logging into mobile network banking proposed by the present invention includes a bank middle office server, which provides financial services of mobile network banking of a predetermined bank. The bank middle office server includes a processor and a network device, the network device is electrically connected to the processor, and the network device is communicatively connected to the mobile device. The mobile device executes the mobile network banking program of the predetermined bank to send a request for verification through other banks to the network device, so that the processor responds with verification data to the mobile device through the network device. The mobile device executes the verification program of other banks and inputs the verification data to the verification program of other banks so that the processor allows the mobile network banking program of the predetermined bank to log in to the mobile network banking through the network device.

In summary, the technical solution of this new type has obvious advantages and beneficial effects compared with the existing technology. Through the system of logging into mobile network banking of this new type, customers of this bank can log into the mobile network banking of this bank through the verification program of other banks.

The following will describe the above explanation in detail in the form of implementation, and provide a further explanation of the technical solution of this new type.

In order to make the above and other purposes, features, advantages and embodiments of the present invention more clearly understood, the attached symbols are explained as follows:

100, 200: Log in to the mobile online banking system

110, 210: mobile devices

111: Book your bank's mobile online banking program

112: Verification procedures of other banks

120, 220: Bank middle office server

221: Storage device

222:Processor

223: Network device

In order to make the above and other purposes, features, advantages and embodiments of the present invention more clearly understood, the attached drawings are described as follows: Figure 1 is a block diagram of a system for logging into a mobile network bank according to an embodiment of the present invention; and Figure 2 is a block diagram of a system for logging into a mobile network bank according to another embodiment of the present invention.

In order to make the description of the present invention more detailed and complete, reference may be made to the attached drawings and various embodiments described below, in which the same numbers represent the same or similar elements. On the other hand, well-known elements and steps are not described in the embodiments to avoid unnecessary limitations on the present invention.

Please refer to Figure 1. The new technical aspect is a system 100 for logging into mobile online banking, which allows customers of this bank to log into the mobile online banking of this bank through the verification program of other banks, or is widely used in related technical links. The system 100 for logging into mobile online banking of this technical aspect can achieve considerable technical progress and has wide industrial utilization value. The specific implementation method of the system 100 for logging into mobile online banking will be explained below in conjunction with Figure 1.

It should be understood that various implementations of the system 100 for logging into mobile network banking are described in conjunction with FIG. 1. In the following description, for the convenience of explanation, many specific details are further set to provide a comprehensive description of one or more implementations. However, the present technology can be implemented without these specific details. In other examples, in order to effectively describe these implementations, known structures and devices are shown in block diagram form. The term "for example" used herein means "as an example, instance or illustration". Any embodiment described herein as "for example" is not necessarily interpreted as better or superior to other embodiments.

FIG. 1 is a block diagram of a mobile network banking login system 100 according to an embodiment of the present invention. As shown in FIG. 1, the mobile network banking login system 100 includes a bank middle office server 120 and a mobile device 110. In terms of architecture, the mobile device 110 is communicatively connected to the bank middle office server 120. It should be understood that in the implementation method and the scope of the patent application, the description involving "communication connection" can generally refer to a component being directly or indirectly connected to another component. For example, the bank's middle office server 120 can communicate with the mobile device 110 wirelessly/wired indirectly through other communication equipment, or the bank's middle office server 120 can communicate with the mobile device 110 wirelessly/wired directly without other communication equipment. Those who are familiar with this technology should choose flexibly according to the needs at the time.

In practice, for example, the mobile device 110 may refer to a smartphone, tablet computer, portable computer or other similar device used by a customer. Those familiar with this technology should flexibly choose it according to the needs at the time.

In practice, for example, the bank's middle server 120 can be a computer server. In the new mobile network banking login system 100, there is no need to use a background server (such as a management server) and/or additional electronic devices (such as an ATM), thereby streamlining the architecture and improving efficiency.

When the mobile online banking login system 100 is in operation, the bank middle office server 120 provides the mobile online banking financial services of the predetermined bank. If the user forgets the online banking account number and/or password of the predetermined bank but wants to log in to the mobile online banking of the predetermined bank through the mobile online banking program 111 of the predetermined bank, the user can operate the mobile online banking program 111 of the predetermined bank on the mobile device 110 to link the verification program 112 of other banks to perform the login verification of the mobile online banking of the predetermined bank. Specifically, the mobile device 110 executes the mobile network banking program 111 of the predetermined bank to send a request for verification through other banks to the bank middle office server 120, so that the bank middle office server 120 responds with verification data (such as verification QR code or verification string) to the mobile device 110, and the mobile device 110 executes the verification program 112 of other banks and inputs the verification data to the verification program 112 of other banks so that the bank middle office server 120 allows the mobile network banking program 111 of the predetermined bank to log in to the mobile network banking.

In some embodiments of the present invention, the verification data may be a verification QR code or a verification string. In practice, for example, the scheduled bank and other banks are different banks, but both are members of the Taiwan Financial Mobile Identity Alliance (F-FIDO). According to the online fast identity identification protocol between members, the content of the verification data may include the mobile network banking program 111 of the scheduled bank and the relevant data or code of the bank middle office server 120. The verification data is input into the verification program 112 of the other bank, and the verification program 112 of the other bank can allow the bank middle office server 120 to allow the mobile network banking program 111 of the scheduled bank to log in to the mobile network banking according to the aforementioned relevant data.

In some embodiments of the present invention, the verification program 112 of the other bank presents a menu, and the user needs to select the correct item of the predetermined bank from the menu, whereby the verification program 112 of the other bank compares the relevant data of the bank middle server 120 in the verification data with the item of the predetermined bank. If so, after the item of the predetermined bank in the menu is selected and the verification data has been input into the verification program 112 of the other bank, the mobile device 1 The verification program 112 of other banks executed by 10 transmits the user information of other banks to the bank middle office server. When the bank middle office server 120 determines that the user information matches the relevant information of the online banking account of the predetermined bank (such as: the same ID card number and/or the same online quick identification code), the bank middle office server 120 allows the mobile online banking program 111 of the predetermined bank to log in to the mobile online banking with the online banking account.

In some embodiments of the present invention, the verification program 112 of other banks executed by the mobile device 110 generates a private key and a public key, and the private key and the public key can be used to encrypt and decrypt data to enhance data communication security. The mobile device 110 transmits the public key to the bank middle office server 120. The verification program 112 of the other bank executed by the mobile device 110 encrypts the user message of the other bank with the private key to obtain the encrypted user message of the other bank and transmits the encrypted user message of the other bank to the bank middle office server 120. The bank middle office server 120 decrypts the encrypted user message of the other bank with the public key to obtain the user message of the other bank. When the bank middle office server 120 determines that the user message matches the relevant information of an online banking account of the predetermined bank, the bank middle office server 120 allows the mobile online banking program 111 of the predetermined bank to log in to the mobile online banking with the online banking account.

In some embodiments of the present invention, the verification program 112 of other banks executed by the mobile device 110 generates a first private key and a first public key, which can be used to encrypt and decrypt data to enhance data communication security. The mobile device 110 transmits the public key to the bank middle office server 120, and the bank middle office server 120 generates a second private key and a second public key, which can be used to encrypt and decrypt data to enhance data communication security. The second private key and the second public key are different from the first private key and the first public key, to further enhance data communication security. The bank middle office server 120 transmits the second public key to the mobile device 110. The verification program 112 of the other bank executed by the mobile device 110 encrypts the user information of the other bank with the first private key to obtain the encrypted user information of the other bank. The verification program 112 of the other bank executed by the mobile device 110 performs a preset hash operation (e.g., a hash algorithm used or under development) on the user information of the other bank to obtain a hash value and encrypts the hash value with the second public key to obtain an encrypted hash value. The verification program 112 of the other bank executed by the mobile device 110 further encrypts the user information of the other bank with the first private key to obtain the encrypted hash value. The encrypted user information and encrypted hash value of the bank are transmitted to the bank middle office server 120. The bank middle office server 120 decrypts the encrypted user information of other banks with the first public key to the user information of other banks and decrypts the encrypted hash value with the second private key to the hash value. When the bank middle office server 120 determines that the user information matches the relevant information of the online banking account of the predetermined bank and confirms that the hash value is generated by performing a preset hash operation on the user information, the bank middle office server 120 allows the mobile online banking program 111 of the predetermined bank to log in to the mobile online banking with the online banking account.

FIG. 2 is a block diagram of a system 200 for logging into a mobile network bank according to another embodiment of the present invention. As shown in FIG. 2, the system 200 for logging into a mobile network bank includes a bank middle office server 220 and a mobile device 210. In terms of architecture, the mobile device 210 is connected to the bank middle office server 220 in communication.

In order to further explain the architecture of the bank middle office server 220, please continue to refer to Figure 2. As shown in Figure 2, the bank middle office server 220 includes a storage device 221, a processor 222, and a network device 223. In terms of architecture, the storage device 221 is electrically connected to the processor 222, and the processor 222 is electrically connected to the network device 223. In terms of architecture, it should be understood that in the implementation method and the scope of the patent application, the description involving "electrical connection" can generally refer to one component being indirectly electrically coupled to another component through other components, or one component being directly electrically connected to another component without passing through other components. For example, the storage device 221 may be a built-in data storage device directly electrically connected to the processor 222, or the storage device 221 may be an external data storage device indirectly connected to the processor 222 via a line.

For example, the processor 222 may be a central processing unit, and the network device 223 may be a network communication device (such as a network card) or a communication device. The storage device 221 described above may be implemented as different data storage devices or the same data storage device, such as a computer hard drive, an external server, a flash memory, an external hard drive, a flash drive, or other computer-readable recording media, etc. Those skilled in the art will understand that integrating multiple data storage devices into a storage device 221, or replacing other data content with storage in the storage device 221, are still implementations of the present invention.

When in use, the bank middle office server 220 provides the financial services of the mobile network banking of the predetermined bank. The mobile device 210 executes the mobile network banking program of the predetermined bank to send a request for verification through other banks to the network device 223, so that the processor 222 responds to the verification data (such as: verification QR code or verification string) to the mobile device 210 through the network device 223, and the mobile device 210 executes the verification program of other banks and inputs the verification data to the verification program of other banks to allow the processor 222 to log in to the mobile network banking through the network device 223.

In some embodiments of the present invention, the verification program of the other bank presents a menu. After the item of the predetermined bank in the menu is selected and the verification data has been input into the verification program of the other bank, the verification program of the other bank executed by the mobile device 210 transmits the user information of the other bank to the network device 223. When the processor 222 determines that the user information matches the relevant information of the online banking account of the predetermined bank, the processor 222 allows the mobile online banking program of the predetermined bank to log in to the mobile online banking with the online banking account through the network device 223.

In some embodiments of the present invention, the verification program of other banks executed by the mobile device 210 generates a private key and a public key. The mobile device 210 transmits the public key to the network device 223. The verification program of other banks executed by the mobile device 210 encrypts the user information of other banks with the private key to obtain the encrypted user information of other banks and transmits the encrypted user information of other banks to the network device 223. The encrypted user information of other banks is input to the network device 223, and the processor 222 decrypts the encrypted user information of other banks with the public key. When the processor 222 determines that the user information matches the relevant information of the online banking account of the predetermined bank, the processor 222 allows the mobile online banking program of the predetermined bank to log in to the mobile online banking with the online banking account through the network device 223.

In some embodiments of the present invention, the verification program of the other bank executed by the mobile device 210 generates a first private key and a first public key, the mobile device transmits the public key to the network device 223, the processor 222 generates a second private key and a second public key, the processor 222 transmits the second public key to the mobile device 210 through the network device 223, the verification program of the other bank executed by the mobile device 210 encrypts the user message of the other bank with the first private key to obtain the encrypted user message of the other bank, the verification program of the other bank executed by the mobile device 210 performs a preset hash operation on the user message of the other bank to obtain a hash value and converts the hash value into a hash value with the second public key. After encryption, the encrypted hash value is obtained. The verification program of the other bank executed by the mobile device 210 transmits the encrypted user information of the other bank and the encrypted hash value to the network device 223. The processor 222 decrypts the encrypted user information of the other bank with the first public key to obtain the user information of the other bank and decrypts the encrypted hash value with the second private key. Decrypted into a hash value, when the processor 222 determines that the user message matches the relevant information of the online banking account of the predetermined bank and confirms that the hash value is generated by performing a preset hash operation on the user message, the processor 222 allows the mobile online banking program of the predetermined bank to log in to the mobile online banking with the online banking account through the network device 223.

In summary, the technical solution of the present invention has obvious advantages and beneficial effects compared with the existing technology. Through the system 100, 200 for logging into mobile network banking of the present invention, customers of the present bank can log into the mobile network banking of the present bank through the verification program of other banks.

Although the present invention has been disclosed in the form of implementation as above, it is not intended to limit the present invention. Anyone familiar with this art can make various changes and modifications without departing from the spirit and scope of the present invention. Therefore, the protection scope of the present invention shall be subject to the scope of the patent application attached hereto.

100: Log in to the mobile online banking system

110: Mobile device

111: Book your bank's mobile online banking program

112: Verification procedures of other banks

120: Bank middle office server

Claims (10)

A system for logging into a mobile network bank comprises: A bank middle office server, providing a mobile network bank financial service of a predetermined bank; and A mobile device, which is communicatively connected to the bank middle office server, wherein the mobile device executes a mobile network banking program of the predetermined bank to send a request for verification through another bank to the bank middle office server, so that the bank middle office server responds with a verification data to the mobile device, and the mobile device executes a verification program of the other bank and inputs the verification data to the verification program of the other bank so that the bank middle office server allows the mobile network banking program of the predetermined bank to log into the mobile network bank. A system for logging into mobile online banking as described in claim 1, wherein the mobile device is a smart phone or a tablet computer, and the verification data is a verification QR code or a verification string. A system for logging into mobile online banking as described in claim 1, wherein the mobile device is a smart phone or a tablet computer, and the verification program of the other bank presents a menu. After the item of the predetermined bank in the menu is selected and the verification data has been input into the verification program of the other bank, the verification program of the other bank executed by the mobile device transmits a user message of the other bank to the bank middle office server. When the bank middle office server determines that the user message matches the relevant information of an online banking account of the predetermined bank, the bank middle office server allows the mobile online banking program of the predetermined bank to log into the mobile online banking with the online banking account. The system for logging into mobile network banking as described in claim 1, wherein the mobile device is a smart phone or a tablet computer, the verification program of the other bank executed by the mobile device generates a private key and a public key, the mobile device transmits the public key to the bank's middle office server, the verification program of the other bank executed by the mobile device encrypts a user message of the other bank with the private key to obtain an encrypted user message of the other bank and The encrypted user information of the other bank is transmitted to the bank's middle office server, and the bank's middle office server decrypts the encrypted user information of the other bank with the public key to obtain the user information of the other bank. When the bank's middle office server determines that the user information matches relevant information of an online banking account of the predetermined bank, the bank's middle office server allows the mobile online banking program of the predetermined bank to log in to the mobile online banking with the online banking account. The system for logging into mobile network banking as described in claim 1, wherein the mobile device is a smart phone or a tablet computer, the verification program of the other bank executed by the mobile device generates a first private key and a first public key, the mobile device transmits the public key to the bank's middle office server, the bank's middle office server generates a second private key and a second public key, the bank's middle office server The server transmits the second public key to the mobile device, the verification program of the other bank executed by the mobile device encrypts a user message of the other bank with the first private key to obtain an encrypted user message of the other bank, and the verification program of the other bank executed by the mobile device performs a preset hash operation on the user message of the other bank to obtain a hash value and transmits the hash value to the mobile device. The hash value is encrypted with the second public key to obtain an encrypted hash value. The verification program of the other bank executed by the mobile device further transmits the encrypted user message of the other bank and the encrypted hash value to the bank's middle office server. The bank's middle office server decrypts the encrypted user message of the other bank with the first public key to obtain the user message of the other bank and transmits the encrypted user message to the bank's middle office server. The hash value is decrypted with the second private key to obtain the hash value. When the bank middle office server determines that the user message matches the relevant information of an online banking account of the predetermined bank and confirms that the hash value is generated by performing the preset hash operation on the user message, the bank middle office server allows the mobile online banking program of the predetermined bank to log in to the mobile online banking with the online banking account. A system for logging into a mobile network bank includes a bank middle office server, which provides a mobile network bank financial service of a predetermined bank. The bank middle office server includes: A processor; and A network device is electrically connected to the processor, the network device is communicatively connected to a mobile device, the mobile device executes a mobile network banking program of the predetermined bank to send a request for verification through another bank to the network device, so that the processor responds with verification data to the mobile device through the network device, the mobile device executes a verification program of the other bank and inputs the verification data to the verification program of the other bank so that the processor allows the mobile network banking program of the predetermined bank to log in to the mobile network bank through the network device. A system for logging into mobile online banking as described in claim 6, wherein the processor is a central processing unit and the verification data is a verification QR code or a verification string. A system for logging into mobile online banking as described in claim 6, wherein the processor is a central processor, the verification program of the other bank presents a menu, and after the item of the predetermined bank in the menu is selected and the verification data has been input into the verification program of the other bank, the verification program of the other bank executed by the mobile device transmits a user message of the other bank to the network device, and when the processor determines that the user message matches the relevant information of an online banking account of the predetermined bank, the processor allows the mobile online banking program of the predetermined bank to log into the mobile online banking with the online banking account through the network device. The system for logging into mobile network banking as described in claim 6, wherein the processor is a central processor, the verification program of the other bank executed by the mobile device generates a private key and a public key, the mobile device transmits the public key to the network device, the verification program of the other bank executed by the mobile device encrypts a user message of the other bank with the private key to obtain an encrypted user message of the other bank and transmits the encrypted user message to the network device. The encrypted user information of the other bank is transmitted to the network device, and the processor decrypts the encrypted user information of the other bank with the public key to obtain the user information of the other bank. When the processor determines that the user information matches the relevant information of an online banking account of the predetermined bank, the processor allows the mobile online banking program of the predetermined bank to log in to the mobile online banking with the online banking account through the network device. The system for logging into mobile network banking as described in claim 6, wherein the processor is a central processor, the verification program of the other bank executed by the mobile device generates a first private key and a first public key, the mobile device transmits the public key to the network device, the processor generates a second private key and a second public key, and the processor transmits the second public key to the network device through the network device. The verification program of the other bank executed by the mobile device encrypts a user message of the other bank with the first private key to obtain an encrypted user message of the other bank. The verification program of the other bank executed by the mobile device performs a preset hash operation on the user message of the other bank to obtain a hash value and sends the hash value to the mobile device. The encrypted hash value is encrypted with the second public key to obtain an encrypted hash value. The verification program of the other bank executed by the mobile device further transmits the encrypted user message of the other bank and the encrypted hash value to the network device. The processor decrypts the encrypted user message of the other bank with the first public key to obtain the user message of the other bank and transmits the encrypted hash value to the network device. The second private key is decrypted into the hash value. When the processor determines that the user information matches the relevant information of an online banking account of the predetermined bank and confirms that the hash value is generated by performing the preset hash operation on the user information, the processor allows the mobile online banking program of the predetermined bank to log in to the mobile online banking with the online banking account through the network device.

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