TWI721323B - Online purchase system and online purchase method of financial products - Google Patents

Online purchase system and online purchase method of financial products Download PDF

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TWI721323B
TWI721323B TW107135591A TW107135591A TWI721323B TW I721323 B TWI721323 B TW I721323B TW 107135591 A TW107135591 A TW 107135591A TW 107135591 A TW107135591 A TW 107135591A TW I721323 B TWI721323 B TW I721323B
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TW202014966A (en
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邵弘龍
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富邦綜合證券股份有限公司
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Abstract

一種線上申購系統的一第一伺服器儲存多個使用者帳戶，當該第一伺服器接收到一金融商品資料及一由一使用端所產生的申購請求且判斷出該使用端處於一未登入狀態時傳送一帳戶確認請求至該使用端，當該第一伺服器自該使用端接收到對應該帳戶確認請求的一帳戶註冊請求且接收到一對應該帳戶註冊請求的註冊資料時，根據該註冊資料執行一對應該帳戶註冊請求的帳戶註冊程序以產生一被作為一新建使用者帳戶的使用者帳戶，且該線上申購系統於產生該新建使用者帳戶時直接回應於該申購請求地以該新建使用者帳戶完成對應該金融商品資料的一申購程序。A first server of an online subscription system stores multiple user accounts. When the first server receives a financial product data and a subscription request generated by a user terminal and determines that the user terminal is not logged in In the status, an account confirmation request is sent to the user end. When the first server receives an account registration request corresponding to the account confirmation request from the user end and receives the registration information corresponding to the account registration request, according to the The registration data executes the account registration procedure corresponding to the account registration request to generate a user account that is regarded as a newly created user account, and the online subscription system directly responds to the subscription request place when the newly created user account is generated. Create a new user account to complete a purchase procedure corresponding to the financial product information.

Description

線上申購系統及金融商品線上申購方法Online purchase system and online purchase method of financial products

本發明是有關於一種申購系統，特別是指一種涉及網路通訊技術的線上申購系統。本發明還有關於該線上申購系統所實施的一種金融商品線上申購方法。The present invention relates to a purchase system, in particular to an online purchase system involving network communication technology. The invention also relates to a method for online purchase of financial commodities implemented by the online purchase system.

由於網路時代的來臨，在網路上進行金融商品的申購已蔚為風潮，使用者使用個人電腦即可完成投資，而不需特地前往銀行或者證券交易所。Due to the advent of the Internet age, online subscription of financial products has become a trend. Users can complete investments using personal computers without having to go to banks or stock exchanges.

然而，在網站上申購金融商品通常需要具有網站的會員資格，而若使用者欲從某一網站申購金融商品卻尚未成為該網站的會員，則必須先註冊會員並登入後，才能重新進行金融商品的選擇及申購，如此的操作對使用者而言甚為不便，因此現有技術仍存在改善的空間。However, to purchase financial products on a website usually requires membership of the website, and if a user wants to purchase financial products from a website but has not yet become a member of that website, he must first register as a member and log in before he can re-apply for financial products. The selection and purchase of, such an operation is very inconvenient for users, so there is still room for improvement in the prior art.

因此，本發明的其中一目的，在於提供一種能克服現有技術之缺點的線上申購系統。Therefore, one of the objectives of the present invention is to provide an online purchase system that can overcome the disadvantages of the prior art.

於是，本發明線上申購系統適用於供一使用端經由一通訊網路連線，該線上申購系統包含一儲存多個使用者帳戶的第一伺服器。當該第一伺服器接收到一金融商品資料及一由該使用端所產生且對應該金融商品資料的申購請求，且判斷出該使用端並未以該等使用者帳戶的其中任一使用者帳戶登入該線上申購系統時，傳送一帳戶確認請求至該使用端，其中，該申購請求是該使用端於接收到一由使用者輸入的申購指令時所產生。當該第一伺服器自該使用端接收到對應該帳戶確認請求的一帳戶註冊請求且接收到一對應該帳戶註冊請求的註冊資料時，根據該註冊資料執行一對應該帳戶註冊請求的帳戶註冊程序以產生一被作為一新建使用者帳戶的使用者帳戶，且該線上申購系統於產生該新建使用者帳戶時直接回應於該申購請求地以該新建使用者帳戶完成對應該金融商品資料的一申購程序。Therefore, the online purchase system of the present invention is suitable for a user terminal to connect via a communication network, and the online purchase system includes a first server storing a plurality of user accounts. When the first server receives a financial product data and a subscription request for the financial product data generated by the user, and determines that the user does not use any of the user accounts When the account logs into the online subscription system, an account confirmation request is sent to the user terminal, where the subscription request is generated when the user terminal receives a subscription instruction input by the user. When the first server receives an account registration request corresponding to the account confirmation request from the user end and receives the registration data corresponding to the account registration request, it executes the account registration corresponding to the account registration request based on the registration data The procedure is to generate a user account that is regarded as a newly created user account, and the online subscription system directly responds to the subscription request when generating the newly created user account, and completes a corresponding financial product data with the newly created user account. Purchase procedure.

在本發明線上申購系統的一些實施態樣中，該線上申購系統還包含一儲存一投資人風險屬性分析問卷且電連接該第一伺服器的第二伺服器，該第二伺服器傳送該投資人風險屬性分析問卷至該使用端，且當該第二伺服器自該使用端接收到一對應該投資人風險屬性分析問卷的投資偏好資料時，根據該投資偏好資料執行一投資人風險屬性分析演算法以產生一對應該投資偏好資料且包含該金融商品資料的推薦結果，並將該推薦結果傳送至該使用端，該第二伺服器並於自該使用端接收到對應該推薦結果的申購請求時，將該金融商品資料及申購請求傳送至該第一伺服器。In some implementation aspects of the online purchase system of the present invention, the online purchase system further includes a second server that stores an investor risk attribute analysis questionnaire and is electrically connected to the first server, and the second server transmits the investment The human risk attribute analysis questionnaire is sent to the user end, and when the second server receives the investment preference data corresponding to the investor risk attribute analysis questionnaire from the user end, an investor risk attribute analysis is performed based on the investment preference data The algorithm generates a pair of recommended results corresponding to the investment preference data and contains the financial product data, and transmits the recommended results to the user end, and the second server receives the subscription corresponding to the recommended results from the user end When requesting, send the financial product information and the purchase request to the first server.

在本發明線上申購系統的一些實施態樣中，該金融商品資料指示出一定期定額的金融商品，且包含對應該金融商品的一每期扣款日期以及一每期應付金額。In some implementation aspects of the online subscription system of the present invention, the financial product information indicates a fixed-term financial product, and includes a deduction date for each period and an amount payable in each period corresponding to the financial product.

在本發明線上申購系統的一些實施態樣中，當該第一伺服器自該使用端接收到對應該帳戶確認請求且包含一登入資料的一登入請求時，執行一登入程序，且當該線上申購系統於該登入程序中判斷出該登入資料對應於該等使用者帳戶中的其中一目標使用者帳戶時，允許該使用端以該目標使用者帳戶登入該線上申購系統，並產生且傳送一包含該金融商品資料的確認請求至該使用端，當該第一伺服器自該使用端接收到一回應於該確認請求的確認通知時，回應於該申購請求地以該目標使用者帳戶完成對應該金融商品資料的該申購程序。In some implementations of the online subscription system of the present invention, when the first server receives a login request corresponding to the account confirmation request and includes a login data from the user end, a login process is executed, and when the online When the subscription system determines in the login procedure that the login data corresponds to one of the target user accounts among the user accounts, it allows the client to log in to the online subscription system with the target user account, and generates and sends a A confirmation request containing the financial product data is sent to the user end. When the first server receives a confirmation notification in response to the confirmation request from the user end, it responds to the purchase request and completes the pairing with the target user account. It should be the purchase procedure of financial product information.

在本發明線上申購系統的一些實施態樣中，該登入程序為一字串登入程序、一人臉辨識登入程序、一指紋辨識登入程序、一聲紋辨識登入程序、一虹膜辨識登入程序及一指靜脈辨識登入程序的其中一者。In some implementations of the online subscription system of the present invention, the login process is a string login process, a face recognition login process, a fingerprint recognition login process, a voiceprint recognition login process, an iris recognition login process, and a finger One of the login procedures for vein recognition.

本發明的另一目的，在於提供該線上申購系統與一使用端配合實施的一種金融商品線上申購方法。Another object of the present invention is to provide a method for online purchase of financial commodities implemented in cooperation with the online purchase system and a user terminal.

本發明金融商品線上申購方法由一儲存多個使用者帳戶的線上申購系統配合一經由一通訊網路連線至該線上申購系統的使用端實施。該金融商品線上申購方法包含下列步驟：(A)該使用端於接收到一由使用者輸入的申購指令時，產生一對應該申購指令且對應一金融商品資料的申購請求，並將該申購請求傳送至該線上申購系統；(B)當該線上申購系統自該使用端接收到該申購請求，且判斷出該使用端並未以該等使用者帳戶的其中任一使用者帳戶登入該線上申購系統時，傳送一帳戶確認請求至該使用端；(C)當該線上申購系統自該使用端接收到對應該帳戶確認請求的一帳戶註冊請求且接收到一對應該帳戶註冊請求的註冊資料時，根據該註冊資料執行一對應該帳戶註冊請求的帳戶註冊程序以產生一被作為一新建使用者帳戶的使用者帳戶，且該線上申購系統於產生該新建使用者帳戶時直接回應於該申購請求地以該新建使用者帳戶完成對應該金融商品資料的一申購程序。The online purchase method of financial products of the present invention is implemented by an online purchase system storing multiple user accounts and a user terminal connected to the online purchase system via a communication network. The online purchase method of financial products includes the following steps: (A) When the user receives a purchase instruction input by a user, it generates a purchase request corresponding to the purchase instruction and corresponding to a financial product data, and sends the purchase request Send to the online subscription system; (B) When the online subscription system receives the subscription request from the user end, and determines that the user end has not logged into the online subscription with any of the user accounts When the system, send an account confirmation request to the user end; (C) When the online subscription system receives an account registration request corresponding to the account confirmation request from the user end and receives the registration information corresponding to the account registration request , Execute the account registration procedure corresponding to the account registration request according to the registration data to generate a user account that is regarded as a new user account, and the online subscription system directly responds to the subscription request when the new user account is generated Use the newly created user account to complete a purchase procedure corresponding to the financial product data.

在本發明金融商品線上申購方法的一些實施態樣中，該金融商品線上申購方法還包含位於步驟(A)之前的：(D)該線上申購系統傳送一投資人風險屬性分析問卷至該使用端；(E)當該線上申購系統自該使用端接收到一對應該投資人風險屬性分析問卷的投資偏好資料時，根據該投資偏好資料執行一投資人風險屬性分析演算法以產生一對應該投資偏好資料且包含該金融商品資料的推薦結果，並將該推薦結果傳送至該使用端。In some implementation aspects of the method for online purchase of financial products of the present invention, the method for online purchase of financial products further includes before step (A): (D) the online purchase system transmits an investor risk attribute analysis questionnaire to the user terminal (E) When the online purchase system receives a pair of investment preference data corresponding to the investor's risk attribute analysis questionnaire from the user end, it executes an investor's risk attribute analysis algorithm based on the investment preference data to generate a pair of corresponding investments The preference data contains the recommendation result of the financial product data, and the recommendation result is sent to the user terminal.

在本發明金融商品線上申購方法的一些實施態樣中，在步驟(A)中，該金融商品資料指示出一定期定額的金融商品，且包含對應該金融商品的一每期扣款日期以及一每期應付金額。In some implementations of the method for online purchase of financial products of the present invention, in step (A), the financial product data indicates a fixed amount of financial products, and includes a deduction date for each period corresponding to the financial product and a The amount payable per period.

在本發明金融商品線上申購方法的一些實施態樣中，該金融商品線上申購方法還包含位於步驟(B)之後的：(F)當該線上申購系統自該使用端接收到對應該帳戶確認請求且包含一登入資料的一登入請求時，執行一登入程序，且當該線上申購系統於該登入程序中判斷出該登入資料對應於該等使用者帳戶中的其中一目標使用者帳戶時，允許該使用端以該目標使用者帳戶登入該線上申購系統，並產生且傳送一包含該金融商品資料的確認請求至該使用端；(G)當該線上申購系統自該使用端接收到一回應於該確認請求的確認通知時，回應於該申購請求地以該目標使用者帳戶完成對應該金融商品資料的該申購程序。In some implementation aspects of the method for online purchase of financial products of the present invention, the method for online purchase of financial products further includes after step (B): (F) when the online purchase system receives a corresponding account confirmation request from the user end When a login request contains a login data, a login process is executed, and when the online subscription system determines in the login process that the login data corresponds to one of the target user accounts of the user accounts, it is allowed The user logs in the online purchase system with the target user account, and generates and sends a confirmation request containing the financial product data to the user; (G) When the online purchase system receives a response from the user When the confirmation notification of the confirmation request is made, the place in response to the purchase request completes the purchase procedure corresponding to the financial product data with the target user account.

在本發明金融商品線上申購方法的一些實施態樣中，在步驟(F)中，該登入程序為一字串登入程序、一人臉辨識登入程序、一指紋辨識登入程序、一聲紋辨識登入程序、一虹膜辨識登入程序及一指靜脈辨識登入程序的其中一者。In some implementations of the method for online purchase of financial products of the present invention, in step (F), the login process is a string login process, a face recognition login process, a fingerprint recognition login process, and a voiceprint recognition login process , One of an iris recognition login procedure and a finger vein recognition login procedure.

本發明之功效在於：該線上申購系統能供使用者藉由操作該使用端在尚未註冊成為會員的狀態下先選擇所欲申購的金融商品，再進行會員的註冊，而且，該線上申購系統在完成該註冊程序時，即會自動地以該新建使用者帳戶完成對應該金融商品的該申購程序，如此一來，使用者在選定所欲申購的金融商品並完成註冊後即完成金融商品的申購，而無需再次操作該使用端進行登入或確認，在操作上更加方便快速。The effect of the present invention is that the online subscription system allows users to select the financial products they want to subscribe for and then register as a member by operating the user terminal before registering as a member. Moreover, the online subscription system is When the registration procedure is completed, the new user account will automatically complete the purchase procedure of the corresponding financial product. In this way, the user will complete the purchase of the financial product after selecting the financial product to be subscribed and completing the registration. , Without having to operate the user terminal again to log in or confirm, which is more convenient and fast in operation.

參閱圖1，本發明線上申購系統1之一實施例例如是由一金融商品發行單位所管理，該金融商品發行單位例如為一金融證券商或一銀行，但不以此為限。Referring to FIG. 1, an embodiment of the online subscription system 1 of the present invention is, for example, managed by a financial product issuing unit, such as a financial securities firm or a bank, but not limited to this.

該線上申購系統1包含一第一伺服器11及一電連接該第一伺服器11的第二伺服器12，且該第一伺服器11及該第二伺服器12各適用於供一使用端50經由一通訊網路連線，該使用端50可例如為一智慧型手機、一平板電腦、一桌上型電腦或者一筆記型電腦。在本實施例中，該第一伺服器11、該第二伺服器12及該使用端50例如被共同作為一金融商品線上交易系統，但不以此為限。The online subscription system 1 includes a first server 11 and a second server 12 electrically connected to the first server 11, and the first server 11 and the second server 12 are each suitable for a user terminal 50 is connected via a communication network, and the user terminal 50 can be, for example, a smart phone, a tablet computer, a desktop computer or a notebook computer. In this embodiment, the first server 11, the second server 12, and the user terminal 50 are, for example, collectively used as a financial commodity online transaction system, but not limited to this.

在本實施例中，該第一伺服器11例如為一證券交易帳務主機，並儲存多個使用者帳戶。該等使用者帳戶分別例如為用於在網路上向該金融商品發行單位申購金融商品的多個會員帳戶，且每一使用者帳戶能用於供該使用端50登入該第一伺服器11，以使該第一伺服器11開放該使用端50以該使用者帳戶的身分進行金融商品交易的權限。該第二伺服器12例如為一投資人風險屬性分析伺服器，並儲存一風險屬性分析服務網站、一投資人風險屬性分析問卷，以及一對應該投資人風險屬性分析問卷的投資人風險屬性分析演算法。在本實施例中，該投資人風險屬性分析問卷例如是一KYC(Know Your Customer)問卷，但不以此為限。In this embodiment, the first server 11 is, for example, a securities transaction accounting host, and stores multiple user accounts. The user accounts are, for example, multiple member accounts used to purchase financial products from the financial product issuing unit on the Internet, and each user account can be used for the user terminal 50 to log in to the first server 11. In order to enable the first server 11 to open the user terminal 50 to perform financial commodity transactions as the user account. The second server 12 is, for example, an investor risk attribute analysis server, and stores a risk attribute analysis service website, an investor risk attribute analysis questionnaire, and a pair of investor risk attribute analysis corresponding to the investor risk attribute analysis questionnaire. Algorithm. In this embodiment, the investor risk attribute analysis questionnaire is, for example, a KYC (Know Your Customer) questionnaire, but it is not limited to this.

同時參閱圖1及圖2，以下示例性地說明本實施例的該線上申購系統1與該使用端50如何共同配合地實施一金融商品線上申購方法。Referring to FIGS. 1 and 2 at the same time, the following exemplarily describes how the online purchase system 1 and the user terminal 50 of this embodiment cooperate to implement an online purchase method of financial commodities.

首先，在步驟S1中，該第二伺服器12於接收到一來自該使用端50的投資類型分析請求時，將該投資人風險屬性分析問卷傳送至該使用端50。其中，該投資類型分析請求例如是該使用端50根據一使用者的一特定操作而產生，且該特定操作可例如是於該風險屬性分析服務網站選取一投資人風險屬性分析選項，但不以此為限。接著，進行步驟S2。First, in step S1, when the second server 12 receives an investment type analysis request from the user terminal 50, it transmits the investor risk attribute analysis questionnaire to the user terminal 50. Wherein, the investment type analysis request is, for example, generated by the user terminal 50 according to a specific operation of a user, and the specific operation may be, for example, selecting an investor risk attribute analysis option on the risk attribute analysis service website, but not This is limited. Next, proceed to step S2.

在步驟S2中，當該第二伺服器12自該使用端50接收到一對應該投資人風險屬性分析問卷的投資偏好資料時，該第二伺服器12執行該投資人風險屬性分析演算法以對該投資偏好資料進行分析，而產生一對應該投資偏好資料的投資人風險屬性分析結果。在本實施例中，該投資偏好資料可例如是該使用者藉由操作該使用端50而輸入該投資人風險屬性分析問卷的內容，而該投資人風險屬性分析結果例如指示出該使用者的一投資人類型是屬於一積極型、一穩健型及一保守型的其中一者，但不以此為限。該第二伺服器12產生該投資人風險屬性分析結果後，接著進行步驟S3。In step S2, when the second server 12 receives the investment preference data corresponding to the investor's risk attribute analysis questionnaire from the user terminal 50, the second server 12 executes the investor's risk attribute analysis algorithm to Analyze the investment preference data, and produce a pair of investor risk attribute analysis results corresponding to the investment preference data. In this embodiment, the investment preference data may be, for example, the user inputting the content of the investor's risk attribute analysis questionnaire by operating the user terminal 50, and the investor's risk attribute analysis result, for example, indicates the user's An investor type is one of an active type, a steady type, and a conservative type, but it is not limited to this. After the second server 12 generates the investor's risk attribute analysis result, it then proceeds to step S3.

在步驟S3中，該第二伺服器12根據該投資人風險屬性分析結果產生一對應該投資偏好資料且包含一金融商品資料的推薦結果，並將該推薦結果傳送至該使用端50。在本實施例中，該第二伺服器12例如預存了分別對應積極型、穩健型及保守型的三筆金融商品資料，其中，每一金融商品資料例如指示出一定期定額的金融商品，且包含對應該金融商品的一每期扣款日期以及一每期應付金額（例如5000元／期）。在本實施例中，該每期扣款日期可例如為一每月扣款日期，但在其他實施例中，該每期扣款日期也可為一每季扣款日期或一每年扣款日期，而不以本實施例為限。並且，該第二伺服器12例如是根據該投資人風險屬性分析結果所指示出的該投資人類型，而從該三筆金融商品資料中選擇出對應該投資人類型的該金融商品資料，並據其產生該推薦結果，但不以此為限。接著，進行步驟S4。In step S3, the second server 12 generates a recommendation result corresponding to the investment preference data and includes a financial product data according to the investor's risk attribute analysis result, and transmits the recommendation result to the user terminal 50. In this embodiment, the second server 12, for example, prestores three pieces of financial product data corresponding to active, stable, and conservative respectively, wherein each financial product data indicates, for example, a financial product with a fixed amount on a regular basis, and Contains a deduction date for each period of the corresponding financial product and an amount payable in each period (for example, 5000 yuan per period). In this embodiment, the deduction date of each installment may be, for example, a monthly deduction date, but in other embodiments, the deduction date of each installment may also be a quarterly deduction date or an annual deduction date , Not limited to this embodiment. Moreover, the second server 12, for example, selects the financial product data corresponding to the investor type from the three pieces of financial product data according to the investor type indicated by the investor's risk attribute analysis result, and According to which the recommendation result is generated, but not limited to this. Next, proceed to step S4.

在步驟S4中，當該第二伺服器12自該使用端50接收到一對應該推薦結果的申購請求時，將該申購請求及該推薦結果所包含的該金融商品資料傳送至該第一伺服器11。具體而言，該申購請求例如是該使用端50自該第二伺服器12接收到該推薦結果後，又接收到一由該使用者所輸入且對應該推薦結果的申購指令時所產生，且該申購請求可例如包含該使用端50本身的IP位址，但不以此為限。並且，該使用者輸入該申購指令的方式，可例如是於該風險屬性分析服務網站選取一對應該推薦結果的「我要申購」選項，但不以此為限。補充說明的是，在其他實施例中，該金融商品資料也可以是由該使用者自行選擇的結果，而並不限於是由該第二伺服器12根據該投資人風險屬性分析結果所選擇的結果。接著，進行步驟S5。In step S4, when the second server 12 receives a purchase request corresponding to the recommendation result from the user terminal 50, it sends the purchase request and the financial product data contained in the recommendation result to the first server器11. Specifically, the purchase request is, for example, generated when the user terminal 50 receives the recommendation result from the second server 12 and then receives a purchase instruction input by the user corresponding to the recommendation result, and The purchase request may, for example, include the IP address of the user terminal 50 itself, but is not limited to this. In addition, the way for the user to input the purchase order may be, for example, selecting a pair of "I want to purchase" options that should be recommended results on the risk attribute analysis service website, but it is not limited to this. It is supplemented that, in other embodiments, the financial product data may also be the result selected by the user, and is not limited to be selected by the second server 12 according to the result of the investor's risk attribute analysis. result. Next, proceed to step S5.

在步驟S5中，當該第一伺服器11自該第二伺服器12接收到該金融商品資料及該申購請求，且根據該申購請求判斷出該使用端50並未以該等使用者帳戶的其中任一使用者帳戶登入該第一伺服器11本身，而處於一未登入狀態時，該第一伺服器11回應於該申購請求地傳送一帳戶確認請求至該使用端50。在本實施例中，該第一伺服器11例如是將一帳戶確認介面作為該帳戶確認請求傳送至該使用端50顯示，但不以此為限。此外，補充說明的是，在其他實施例中，該第一伺服器11也可以是自該使用端50接收該金融商品資料及該申購請求，或者是自該第二伺服器12接收該金融商品資料並自該使用端50接收該申購請求，而不以本實施例為限。該第一伺服器11傳送該帳戶確認請求至該使用端50後，接著進行步驟S6。In step S5, when the first server 11 receives the financial product data and the subscription request from the second server 12, and according to the subscription request, it is determined that the user end 50 does not use the user account’s When any user account is logged into the first server 11 itself and is in an unlogged state, the first server 11 sends an account confirmation request to the user terminal 50 in response to the subscription request. In this embodiment, the first server 11, for example, sends an account confirmation interface as the account confirmation request to the client 50 for display, but it is not limited to this. In addition, it is supplemented that, in other embodiments, the first server 11 may also receive the financial product data and the purchase request from the user terminal 50, or receive the financial product from the second server 12. The data is received from the user terminal 50 and the purchase request is not limited to this embodiment. After the first server 11 sends the account confirmation request to the user terminal 50, it then proceeds to step S6.

在步驟S6中，該第一伺服器11判斷是否自該使用端50接收到一對應該帳戶確認請求的一帳戶註冊請求，或者接收到對應該帳戶確認請求且包含一登入資料的一登入請求。當該第一伺服器11判斷出接收到該帳戶註冊請求時，進行步驟S7。當該第一伺服器11判斷出接收到該登入請求時，進行步驟S9。補充說明的是，該帳戶註冊請求例如是該使用端50根據該使用者的操作而選取該帳戶確認介面所具有的一註冊帳號選項而產生，而該登入請求則例如是該使用端50根據該使用者的操作將該登入資料輸入於該帳戶確認介面並選取該帳戶確認介面所具有的一登入選項而產生，但不以此為限。In step S6, the first server 11 determines whether an account registration request corresponding to the account confirmation request is received from the user terminal 50, or a login request corresponding to the account confirmation request and including a login information is received. When the first server 11 determines that the account registration request is received, step S7 is performed. When the first server 11 determines that the login request is received, step S9 is performed. It is supplemented that the account registration request is generated by, for example, the client 50 selecting a registration account option of the account confirmation interface according to the user’s operation, and the login request is, for example, the client 50 according to the user’s operation. The user's operation is generated by inputting the login data into the account confirmation interface and selecting a login option of the account confirmation interface, but it is not limited to this.

在步驟S7中，該第一伺服器11於接收到來自該使用端50的該帳戶註冊請求時，產生並傳送一註冊表單至該使用端50顯示。接著，進行步驟S8。In step S7, when the first server 11 receives the account registration request from the user terminal 50, it generates and transmits a registration form to the user terminal 50 for display. Next, proceed to step S8.

在步驟S8中，當該第一伺服器11自該使用端50接收到一對應該註冊表單的註冊資料時，根據該註冊資料執行一對應該帳戶註冊請求的帳戶註冊程序，以產生一被作為一新建使用者帳戶的使用者帳戶，並且，值得注意的是，該第一伺服器11於產生該新建使用者帳戶的同時，直接回應於該申購請求地以該新建使用者帳戶完成對應該金融商品資料的一申購程序，並將對應該申購程序的一申購結果傳送至該使用端50顯示。也就是說，該第一伺服器11在完成該註冊程序時，即會自動地以該新建使用者帳戶完成該申購程序，而不需由該使用者操作該使用端50重新登入或再次確認。如此一來，對於原本尚未註冊成為會員的該使用者而言，本實施例能自動地同時完成用於創建該新建使用者帳戶的該註冊程序及對應於該申購請求的該申購程序，因此在操作上更加方便。補充說明的是，該註冊資料例如包含了該使用者的姓名、身份證字號、戶籍地址、電話、職業、用於自動扣款的金融帳戶號碼，以及用於以該新建使用者帳戶登入該第一伺服器11的預設登入資料等，但不以此為限。In step S8, when the first server 11 receives the registration data corresponding to the registration form from the user terminal 50, it executes the account registration procedure corresponding to the account registration request based on the registration data to generate a A user account of a newly created user account, and, it is worth noting that the first server 11 directly responds to the subscription request while generating the newly created user account, and completes the corresponding financing with the newly created user account. A purchase procedure of the commodity information, and a purchase result corresponding to the purchase procedure is transmitted to the user terminal 50 for display. In other words, when the first server 11 completes the registration process, it will automatically complete the subscription process with the newly created user account, without the need for the user to operate the client 50 to log in again or re-confirm. In this way, for the user who has not originally registered as a member, this embodiment can automatically complete the registration procedure for creating the new user account and the subscription procedure corresponding to the subscription request at the same time. The operation is more convenient. It is supplemented that the registration information includes, for example, the user’s name, ID number, household address, telephone number, occupation, financial account number used for automatic deduction, and used to log in to the user account with the newly created user account. The default login information of a server 11, etc., but not limited to this.

在接續於步驟S6之後的步驟S9中，當該第一伺服器11接收到該來自該使用端50的該登入請求時，執行一登入程序以判斷該登入請求所包含的該登入資料是否對應於該等使用者帳戶中的任何一使用者帳戶。當該第一伺服器11的判斷結果為否時，進行步驟S10。當該第一伺服器11的判斷結果為是時，進行步驟S11。進一步說明的是，在本實施例中，該登入程序可例如為一字串登入程序(亦即以文字、數字、符號或其組合作為密碼登入的程序)、一人臉辨識登入程序、一指紋辨識登入程序、一聲紋辨識登入程序、一虹膜辨識登入程序及一指靜脈辨識登入程序等生物特徵辨識登入程序的其中一者，而該登入資料則例如是適用於該登入程序的一字串密碼、一人臉掃描資料、一指紋掃描資料、一聲紋資料、一虹膜掃描資料及一指靜脈掃描資料的其中一者。當然，在其他實施例中，該登入程序也可例如是採用非生物特徵辨識的類型，該登入資料則例如是包含一帳號及一密碼，而不以本實施例為限。In step S9 following step S6, when the first server 11 receives the login request from the client 50, it executes a login procedure to determine whether the login information contained in the login request corresponds to Any one of these user accounts. When the judgment result of the first server 11 is negative, step S10 is performed. When the judgment result of the first server 11 is YES, step S11 is performed. It is further explained that, in this embodiment, the login process can be, for example, a string login process (that is, a process that uses text, numbers, symbols or a combination of characters as a password to log in), a face recognition login process, and a fingerprint recognition process. One of the biometric identification login procedures, such as the login process, a voiceprint recognition login process, an iris recognition login process, and a finger vein recognition login process, and the login information is, for example, a string of passwords applicable to the login process , One of a face scan data, a fingerprint scan data, a voiceprint data, an iris scan data, and a finger vein scan data. Of course, in other embodiments, the login procedure may also be a type of non-biological identification, and the login information may include an account and a password, for example, and is not limited to this embodiment.

在步驟S10中，當該第一伺服器11判斷出該登入資料並未對應於該等使用者帳戶中的任何一使用者帳戶時，該第一伺服器11產生一登入失敗通知，並將該登入失敗通知傳送至該使用端50顯示。In step S10, when the first server 11 determines that the login data does not correspond to any of the user accounts, the first server 11 generates a login failure notification and sends the The login failure notification is sent to the client 50 for display.

在步驟S11中，當該第一伺服器11於該登入程序中判斷出該登入資料對應於該等使用者帳戶中的其中一使用者帳戶時，該第一伺服器11將對應於該登入資料的該使用者帳戶作為一目標使用者帳戶，並允許該使用端50以該目標使用者帳戶登入該線上申購系統1，且該第一伺服器11還產生並傳送一對應步驟S4中之該申購請求且包含該金融商品資料的確認請求至該使用端50。接著，進行步驟S12。In step S11, when the first server 11 determines in the login procedure that the login data corresponds to one of the user accounts, the first server 11 will correspond to the login data The user account of is used as a target user account, and the client 50 is allowed to log in the online subscription system 1 with the target user account, and the first server 11 also generates and sends a corresponding subscription in step S4 A confirmation request including the data of the financial product is requested to the user terminal 50. Then, step S12 is performed.

在步驟S12中，當該第一伺服器11自該使用端50接收到一回應於該確認請求的確認通知時，該第一伺服器11回應於該申購請求地以該目標使用者帳戶完成對應該金融商品資料的該申購程序，並將對應該申購程序的該申購結果傳送至該使用端50顯示。In step S12, when the first server 11 receives a confirmation notification in response to the confirmation request from the user terminal 50, the first server 11 responds to the purchase request and completes the matching with the target user account. According to the purchase procedure of the financial product information, the purchase result corresponding to the purchase procedure is transmitted to the user terminal 50 for display.

綜上所述，本實施例的該線上申購系統1能供使用者藉由操作該使用端50在尚未註冊成為會員的狀態下先選擇所欲申購的金融商品，再進行會員的註冊，而且，本實施例的該線上申購系統1在完成該註冊程序時，即會自動地以該新建使用者帳戶完成對應該金融商品的該申購程序，如此一來，使用者在選定所欲申購的金融商品並完成註冊後即完成金融商品的申購，而無需再次操作該使用端50進行登入或確認，在操作上更加方便快速，故確實能達成本發明之目的。To sum up, the online subscription system 1 of this embodiment can allow users to select the financial products they want to subscribe for and then register as a member by operating the user terminal 50 when they are not yet registered as a member. When the online subscription system 1 of this embodiment completes the registration process, it will automatically use the newly created user account to complete the subscription process corresponding to the financial product. In this way, the user selects the financial product that he wants to subscribe for. And after the registration is completed, the purchase of financial products is completed without the need to operate the user terminal 50 again to log in or confirm, which is more convenient and fast in operation, and can indeed achieve the purpose of the invention.

惟以上所述者，僅為本發明之實施例而已，當不能以此限定本發明實施之範圍，凡是依本發明申請專利範圍及專利說明書內容所作之簡單的等效變化與修飾，皆仍屬本發明專利涵蓋之範圍內。However, the above are only examples of the present invention. When the scope of implementation of the present invention cannot be limited by this, all simple equivalent changes and modifications made in accordance with the scope of the patent application of the present invention and the content of the patent specification still belong to This invention patent covers the scope.

1:線上申購系統11:第一伺服器12:第二伺服器50:使用端S1~S12:步驟 1: Online purchase system 11: First server 12: Second server 50: Use terminals S1~S12: Steps

本發明之其他的特徵及功效，將於參照圖式的實施方式中清楚地呈現，其中： 圖1是本發明線上申購系統之一實施例與一使用端相配合的一方塊示意圖；及 圖2是一流程圖，示例性地說明該實施例如何實施一金融商品線上申購方法。Other features and effects of the present invention will be clearly presented in the embodiments with reference to the drawings, in which: FIG. 1 is a block diagram of an embodiment of the online purchase system of the present invention and a user terminal; and FIG. 2 It is a flowchart illustrating how this embodiment implements a method for online purchase of financial commodities.

1:線上申購系統 1: Online purchase system

11:第一伺服器 11: The first server

12:第二伺服器 12: The second server

50:使用端 50: use end

Claims (10)

一種線上申購系統，適用於供一使用端經由一通訊網路連線，該線上申購系統包含：一第一伺服器，儲存多個使用者帳戶；當該第一伺服器接收到一金融商品資料及一由該使用端所產生且對應該金融商品資料的申購請求，且判斷出該使用端並未以該等使用者帳戶的其中任一使用者帳戶登入該線上申購系統時，傳送一帳戶確認請求至該使用端，其中，該申購請求是該使用端於接收到一由使用者輸入的申購指令時所產生；當該第一伺服器自該使用端接收到對應該帳戶確認請求的一帳戶註冊請求且接收到一對應該帳戶註冊請求的註冊資料時，根據該註冊資料執行一對應該帳戶註冊請求的帳戶註冊程序以產生一被作為一新建使用者帳戶的使用者帳戶，且該線上申購系統於產生該新建使用者帳戶時直接回應於該申購請求地以該新建使用者帳戶完成對應該金融商品資料的一申購程序，而不透過該使用端要求使用者重新登入或再次確認。 An online purchase system is suitable for a user terminal to connect via a communication network. The online purchase system includes: a first server storing multiple user accounts; when the first server receives a financial product data and A purchase request generated by the user and corresponding to the financial product data, and when it is determined that the user has not logged into the online purchase system with any of the user accounts, send an account confirmation request To the user end, where the purchase request is generated when the user end receives a purchase order input by the user; when the first server receives an account registration corresponding to the account confirmation request from the user end When the registration information corresponding to the account registration request is requested and received, the account registration process corresponding to the account registration request is executed according to the registration information to generate a user account that is used as a new user account, and the online subscription system When generating the new user account, directly respond to the purchase request site to complete a purchase procedure corresponding to the financial product data with the new user account, without requiring the user to log in again or reconfirm through the user terminal. 如請求項1所述的線上申購系統，還包含一儲存一投資人風險屬性分析問卷且電連接該第一伺服器的第二伺服器，該第二伺服器傳送該投資人風險屬性分析問卷至該使用端，且當該第二伺服器自該使用端接收到一對應該投資人風險屬性分析問卷的投資偏好資料時，根據該投資偏好資料執行一投資人風險屬性分析演算法以產生一對應該 投資偏好資料且包含該金融商品資料的推薦結果，並將該推薦結果傳送至該使用端，該第二伺服器並於自該使用端接收到對應該推薦結果的申購請求時，將該金融商品資料及申購請求傳送至該第一伺服器。 The online purchase system according to claim 1, further comprising a second server that stores an investor risk attribute analysis questionnaire and is electrically connected to the first server, and the second server sends the investor risk attribute analysis questionnaire to The user end, and when the second server receives a pair of investment preference data corresponding to the investor's risk attribute analysis questionnaire from the user end, executes an investor risk attribute analysis algorithm based on the investment preference data to generate a pair should The investment preference data and the recommendation result of the financial product data are included, and the recommendation result is sent to the user end, and the second server receives the purchase request corresponding to the recommendation result from the user end, and the financial product The data and subscription request are sent to the first server. 如請求項1所述的線上申購系統，其中，該金融商品資料指示出一定期定額的金融商品，且包含對應該金融商品的一每期扣款日期以及一每期應付金額。 The online purchase system according to claim 1, wherein the financial product data indicates a fixed-term financial product, and includes a deduction date for each period and an amount payable in each period corresponding to the financial product. 如請求項1所述的線上申購系統，其中，當該第一伺服器自該使用端接收到對應該帳戶確認請求且包含一登入資料的一登入請求時，執行一登入程序，且當該線上申購系統於該登入程序中判斷出該登入資料對應於該等使用者帳戶中的其中一目標使用者帳戶時，允許該使用端以該目標使用者帳戶登入該線上申購系統，並產生且傳送一包含該金融商品資料的確認請求至該使用端，當該第一伺服器自該使用端接收到一回應於該確認請求的確認通知時，回應於該申購請求地以該目標使用者帳戶完成對應該金融商品資料的該申購程序。 The online purchase system according to claim 1, wherein when the first server receives a login request corresponding to the account confirmation request from the user end and includes a login data, a login procedure is executed, and when the online When the subscription system determines in the login procedure that the login data corresponds to one of the target user accounts among the user accounts, it allows the client to log in to the online subscription system with the target user account, and generates and sends a A confirmation request containing the financial product data is sent to the user end. When the first server receives a confirmation notification in response to the confirmation request from the user end, it responds to the purchase request and completes the pairing with the target user account. It should be the purchase procedure of financial product information. 如請求項4所述的線上申購系統，其中，該登入程序為一字串登入程序、一人臉辨識登入程序、一指紋辨識登入程序、一聲紋辨識登入程序、一虹膜辨識登入程序及一指靜脈辨識登入程序的其中一者。 The online purchase system according to claim 4, wherein the login process is a string login process, a face recognition login process, a fingerprint recognition login process, a voiceprint recognition login process, an iris recognition login process, and a finger One of the login procedures for vein recognition. 一種金融商品線上申購方法，由一儲存多個使用者帳戶的線上申購系統配合一經由一通訊網路連線至該線上申購系統的使用端實施；該金融商品線上申購方法包含下列步 驟：(A)該使用端於接收到一由使用者輸入的申購指令時，產生一對應該申購指令且對應一金融商品資料的申購請求，並將該申購請求傳送至該線上申購系統；(B)當該線上申購系統自該使用端接收到該申購請求，且判斷出該使用端並未以該等使用者帳戶的其中任一使用者帳戶登入該線上申購系統時，傳送一帳戶確認請求至該使用端；(C)當該線上申購系統自該使用端接收到對應該帳戶確認請求的一帳戶註冊請求且接收到一對應該帳戶註冊請求的註冊資料時，根據該註冊資料執行一對應該帳戶註冊請求的帳戶註冊程序以產生一被作為一新建使用者帳戶的使用者帳戶，且該線上申購系統於產生該新建使用者帳戶時直接回應於該申購請求地以該新建使用者帳戶完成對應該金融商品資料的一申購程序，而不透過該使用端要求使用者重新登入或再次確認。 An online purchase method for financial products is implemented by an online purchase system storing multiple user accounts in cooperation with a user terminal connected to the online purchase system via a communication network; the online purchase method for financial products includes the following steps Step: (A) When the user receives a purchase order input by the user, it generates a purchase request corresponding to the purchase order and corresponding to a financial product data, and transmits the purchase request to the online purchase system; B) When the online subscription system receives the subscription request from the user and determines that the user has not logged into the online subscription system with any of the user accounts, send an account confirmation request To the user end; (C) When the online purchase system receives an account registration request corresponding to the account confirmation request from the user end and receives the registration information corresponding to the account registration request, it executes a pair according to the registration information The account registration process in response to the account registration request is to generate a user account that is used as a new user account, and the online subscription system directly responds to the subscription request to complete the new user account when generating the new user account A purchase procedure corresponding to the financial product data, without requiring the user to log in again or reconfirm through the user end. 如請求項6所述的金融商品線上申購方法，還包含位於步驟(A)之前的：(D)該線上申購系統傳送一投資人風險屬性分析問卷至該使用端；及(E)當該線上申購系統自該使用端接收到一對應該投資人風險屬性分析問卷的投資偏好資料時，根據該投資偏好資料執行一投資人風險屬性分析演算法以產生一對應該投資偏好資料且包含該金融商品資料的推薦結果，並將 該推薦結果傳送至該使用端。 The method for online purchase of financial products as described in claim 6, further comprising before step (A): (D) the online purchase system transmits an investor risk attribute analysis questionnaire to the user terminal; and (E) when the online purchase system When the subscription system receives a pair of investment preference data corresponding to the investor's risk attribute analysis questionnaire from the user end, it executes an investor's risk attribute analysis algorithm based on the investment preference data to generate a pair of corresponding investment preference data and contains the financial product The recommended results of the data, and The recommendation result is transmitted to the user end. 如請求項6所述的金融商品線上申購方法，其中，在步驟(A)中，該金融商品資料指示出一定期定額的金融商品，且包含對應該金融商品的一每期扣款日期以及一每期應付金額。 The method for online purchase of financial products according to claim 6, wherein, in step (A), the financial product data indicates a fixed-term financial product, and includes a deduction date for each period and a deduction date corresponding to the financial product. The amount payable per period. 如請求項6所述的金融商品線上申購方法，還包含位於步驟(B)之後的：(F)當該線上申購系統自該使用端接收到對應該帳戶確認請求且包含一登入資料的一登入請求時，執行一登入程序，且當該線上申購系統於該登入程序中判斷出該登入資料對應於該等使用者帳戶中的其中一目標使用者帳戶時，允許該使用端以該目標使用者帳戶登入該線上申購系統，並產生且傳送一包含該金融商品資料的確認請求至該使用端；及(G)當該線上申購系統自該使用端接收到一回應於該確認請求的確認通知時，回應於該申購請求地以該目標使用者帳戶完成對應該金融商品資料的該申購程序。 The method for online purchase of financial products as described in claim 6, further comprising after step (B): (F) when the online purchase system receives a login request corresponding to the account confirmation request from the user end and includes a login information When requested, execute a login process, and when the online subscription system determines in the login process that the login data corresponds to one of the target user accounts among the user accounts, the client is allowed to use the target user The account logs into the online purchase system, and generates and sends a confirmation request containing the financial product data to the user; and (G) when the online purchase system receives a confirmation notification from the user in response to the confirmation request , In response to the purchase request, complete the purchase procedure corresponding to the financial product data with the target user account. 如請求項9所述的金融商品線上申購方法，其中，在步驟(F)中，該登入程序為一字串登入程序、一人臉辨識登入程序、一指紋辨識登入程序、一聲紋辨識登入程序、一虹膜辨識登入程序及一指靜脈辨識登入程序的其中一者。 The method for online purchase of financial products according to claim 9, wherein, in step (F), the login process is a string login process, a face recognition login process, a fingerprint recognition login process, and a voiceprint recognition login process , One of an iris recognition login procedure and a finger vein recognition login procedure.
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TW200943208A (en) * 2008-04-10 2009-10-16 Pivot Technology Corp Method of actively replying message and application thereof
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