TWI831578B - System for preventing and verifying financial transactions during non-business hour and method thereof - Google Patents
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Description
一種金融交易防範與驗證系統及其方法，尤其是指一種對非營業時間的金融交易進行防範並於營業時間進行後續驗證的金融交易防範與驗證系統及其方法。A financial transaction prevention and verification system and method, in particular, a financial transaction prevention and verification system and method that prevents financial transactions during non-business hours and conducts subsequent verification during business hours.
由於網路技術的進步，越來越多的金融交易操作可以透過網路來進行，線上轉帳的金融交易操作透過網路進行已是非常成熟的技術，但隨著網路進行金融交易操作的便利性，更進一步造成網路金融交易防範不易的問題產生。Due to the advancement of network technology, more and more financial transaction operations can be carried out through the Internet. Financial transaction operations for online transfers through the Internet are already very mature technologies. However, with the convenience of financial transaction operations on the Internet, nature, further causing problems that are difficult to prevent in online financial transactions.
具體來說，未成年者使用監護人的帳戶於銀行非營業時間透過線上進行金融交易操作時有所聞，當監護人發現未成年者所進行的線上金融交易操作時，將會因為時效的關係無法即時禁止該線上金融交易，商家會因為線上金融交易而即時提供對應的虛擬服務，但監護人仍可以提出該線上金融交易的申訴，這會造成監護人以及商家雙方同時的損失，因此需要於銀行非營業時間進行線上進行金融交易提出防護與對該線上金融交易的驗證，以避免上述問題的產生。Specifically, it has been reported that minors use the guardian's account to conduct financial transactions online during bank non-business hours. When the guardian discovers the online financial transactions conducted by the minor, they will not be able to do so immediately due to time constraints. The online financial transaction is prohibited. The merchant will immediately provide corresponding virtual services due to the online financial transaction. However, the guardian can still file a complaint for the online financial transaction. This will cause losses to both the guardian and the merchant at the same time. Therefore, it needs to be carried out during bank non-business hours. Provide protection and verification for online financial transactions to avoid the above problems.
綜上所述，可知先前技術中長期以來一直存在在銀行非營業時間透過線上進行金融交易缺乏防護容易造成不必要損失的問題，因此有必要提出改進的技術手段，來解決此一問題。In summary, it can be seen that there has long been a problem in the previous technology that financial transactions conducted online during bank non-business hours lack protection and can easily cause unnecessary losses. Therefore, it is necessary to propose improved technical means to solve this problem.
有鑒於先前技術存在在銀行非營業時間透過線上進行金融交易處理時效過短無法制止被詐騙或是被盜刷的問題，本發明遂揭露一種於非營業時間進行金融交易的防範與驗證系統及其方法，其中：In view of the problem in the previous technology that the online financial transaction processing during non-business hours of the bank is too short to prevent fraud or theft, the present invention discloses a prevention and verification system for financial transactions during non-business hours and its verification system. method, where:
本發明所揭露的於非營業時間進行金融交易的防範與驗證系統，其包含：交易裝置、客戶裝置以及銀行交易伺服器，銀行交易伺服器更包含：傳輸器、虛擬交易器、頁面生成器以及交易器。The prevention and verification system for financial transactions during non-business hours disclosed by the present invention includes: a transaction device, a client device and a bank transaction server. The bank transaction server further includes: a transmitter, a virtual trader, a page generator and Trader.
交易裝置提供交易請求至銀行交易伺服器，交易裝置自銀行交易伺服器接收與顯示包含交易內容的交易暫態回應。The transaction device provides a transaction request to the bank transaction server, and the transaction device receives and displays a transaction transient response including transaction content from the bank transaction server.
客戶裝置自銀行交易伺服器接收與顯示交易驗證通知，交易驗證通知包含交易內容、驗證網址以及驗證碼，當驗證網址被觸發時客戶裝置提供連線請求至銀行交易伺服器，客戶裝置自銀行交易伺服器接收與顯示驗證頁面，客戶裝置於驗證頁面接收並傳送待驗證碼至銀行交易伺服器。The client device receives and displays a transaction verification notification from the bank's transaction server. The transaction verification notification includes the transaction content, verification URL, and verification code. When the verification URL is triggered, the client device provides a connection request to the bank's transaction server, and the client device performs the transaction from the bank. The server receives and displays the verification page, and the client device receives and sends the verification code to the bank transaction server on the verification page.
銀行交易伺服器的傳輸器是自交易裝置接收交易請求，傳送交易暫態回應至交易裝置，傳送交易驗證通知至交易裝置，自客戶裝置接收連線請求，傳送驗證頁面至客戶裝置，自客戶裝置接收待驗證碼；銀行交易伺服器的虛擬交易器是當交易請求中轉出帳號對應的非營業時間防範設定被致能（enable），且接收到交易請求的時間為非營業時間時，記錄交易請求並生成交易暫態回應以及交易驗證通知；銀行交易伺服器的頁面生成器是當傳輸器接收到連線請求且接收到連線請求的時間為營業時間時，生成驗證頁面；及銀行交易伺服器的交易器是當待驗證碼與驗證碼相符時，取得對應記錄的交易請求，並於營業時間進行實際的金融交易操作。The transmitter of the bank transaction server receives the transaction request from the transaction device, transmits the transaction transient response to the transaction device, transmits the transaction verification notification to the transaction device, receives the connection request from the client device, transmits the verification page to the client device, and transmits the verification page from the client device Receive the code to be verified; the virtual trader of the bank transaction server records the transaction when the non-business hours prevention setting corresponding to the account to which the transaction request is transferred is enabled (enabled) and the time when the transaction request is received is non-business hours. Request and generate transaction transient responses and transaction verification notifications; the page generator of the bank transaction server generates a verification page when the transmitter receives a connection request and the time when the connection request is received is during business hours; and the bank transaction server The transaction device of the device is to obtain the corresponding recorded transaction request when the verification code to be verified matches the verification code, and perform actual financial transaction operations during business hours.
本發明所揭露的於非營業時間進行金融交易的防範與驗證方法，其包含下列步驟：The prevention and verification method for financial transactions during non-business hours disclosed in the present invention includes the following steps:
首先，交易裝置提供交易請求至銀行交易伺服器；接著，當交易請求中轉出帳號對應的非營業時間防範設定被致能，且接收到交易請求的時間為非營業時間時，銀行交易伺服器記錄交易請求並生成包含交易內容的交易暫態回應以及包含交易內容、驗證網址以及驗證碼的交易驗證通知；接著，銀行交易伺服器傳送交易暫態回應至交易裝置並加以顯示；接著，銀行交易伺服器傳送交易驗證通知至客戶裝置並加以顯示；接著，當驗證網址被觸發時，客戶裝置提供連線請求至銀行交易伺服器；接著，當銀行交易伺服器接收到連線請求且接收到連線請求的時間為營業時間時，生成驗證頁面；接著，銀行交易伺服器傳送驗證頁面至客戶裝置並加以顯示；接著，客戶裝置於驗證頁面接收待驗證碼並傳送待驗證碼至銀行交易伺服器；最後，當待驗證碼與驗證碼相符時，銀行交易伺服器取得對應記錄的交易請求，並於營業時間進行實際的金融交易操作。First, the transaction device provides a transaction request to the bank transaction server; then, when the non-business hour prevention setting corresponding to the account to which the transaction request is transferred is enabled and the time when the transaction request is received is non-business hours, the bank transaction server Record the transaction request and generate a transaction transient response containing the transaction content and a transaction verification notification including the transaction content, verification URL and verification code; then, the bank transaction server sends the transaction transient response to the transaction device and displays it; then, the bank transaction The server sends a transaction verification notification to the client device and displays it; then, when the verification URL is triggered, the client device provides a connection request to the bank transaction server; then, when the bank transaction server receives the connection request and receives the connection When the online request is during business hours, a verification page is generated; then, the bank transaction server sends the verification page to the customer device and displays it; then, the customer device receives the verification code on the verification page and sends the verification code to the bank transaction server ; Finally, when the verification code to be verified matches the verification code, the bank transaction server obtains the corresponding recorded transaction request and performs actual financial transaction operations during business hours.
本發明所揭露的系統及方法如上，與先前技術之間的差異在於銀行交易伺服器在交易請求中轉出帳號對應的非營業時間防範設定被致能且交易請求的時間為非營業時間時，銀行交易伺服器記錄交易請求並生成交易暫態回應以及交易驗證通知，銀行交易伺服器傳送交易暫態回應至交易裝置並加以顯示，銀行交易伺服器傳送交易驗證通知至客戶裝置並加以顯示，再當客戶裝置於營業時間觸發交易驗證通知的驗證網址並提供驗證碼且通過驗證時，銀行交易伺服器以對對應記錄的交易請求於營業時間進行實際的金融交易操作。The system and method disclosed in the present invention are as described above. The difference between them and the prior art is that when the bank transaction server transfers out the non-business hours prevention setting corresponding to the account in the transaction request and the time of the transaction request is non-business hours, The bank transaction server records the transaction request and generates a transaction transient response and a transaction verification notification. The bank transaction server sends a transaction transient response to the transaction device and displays it. The bank transaction server sends a transaction verification notification to the client device and displays it. Then When the client's device triggers the verification URL of the transaction verification notification during business hours and provides the verification code and passes the verification, the bank transaction server performs actual financial transaction operations on the corresponding recorded transaction request during business hours.
透過上述的技術手段，本發明可以達成對非營業時間的金融交易進行防範並於營業時間進行後續驗證的技術功效。Through the above technical means, the present invention can achieve the technical effect of preventing financial transactions during non-business hours and performing subsequent verification during business hours.
以下將配合圖式及實施例來詳細說明本發明的實施方式，藉此對本發明如何應用技術手段來解決技術問題並達成技術功效的實現過程能充分理解並據以實施。The embodiments of the present invention will be described in detail below with reference to the drawings and examples, so that the implementation process of how to apply technical means to solve technical problems and achieve technical effects of the present invention can be fully understood and implemented accordingly.
以下首先要說明本發明所揭露的於非營業時間進行金融交易的防範與驗證系統，並請參考「第1圖」所示，「第1圖」繪示為本發明於非營業時間進行金融交易的防範與驗證系統的系統方塊圖。The following will first describe the prevention and verification system for financial transactions during non-business hours disclosed by the present invention, and please refer to "Figure 1". "Figure 1" illustrates the present invention for financial transactions during non-business hours. System block diagram of the prevention and verification system.
本發明所揭露的於非營業時間進行金融交易的防範與驗證系統，其包含：交易裝置10、客戶裝置20以及銀行交易伺服器30，銀行交易伺服器30更包含：傳輸器31、虛擬交易器32、頁面生成器33以及交易器34。The prevention and verification system for financial transactions during non-business hours disclosed by the present invention includes: a
交易裝置10以及客戶裝置20是透過有線傳輸方式或是無線傳輸方式與銀行交易伺服器30建立連線，前述的有線傳輸方式例如是電纜網路、光纖網路…等，前述的無線傳交易請求中轉出帳號方式例如是Wi-Fi、行動通訊網路…等，在此僅為舉例說明之，並不以此侷限本創作的應用範疇。The
當交易者使用交易裝置10進行線上轉帳的金融交易時，交易裝置10提供交易請求至銀行交易伺服器30，交易者使用交易裝置10可以透過預先登入網路銀行或是預先登入銀行提供的應用程式進行線上轉帳的金融交易，交易者也可以使用交易裝置10透過其他的應用程式進行線上轉帳的金融交易，值得注意的是，前述的交易請求包含轉出帳號、轉入帳號以及轉帳金額，在此僅為舉例說明之，並不以此侷限本發明的應用範疇。When a trader uses the
在銀行交易伺服器30的傳輸器31自交易裝置10接收交易請求時，銀行交易伺服器30先判斷交易請求中轉出帳號對應的非營業時間防範設定是否被致能，當交易請求中轉出帳號對應的非營業時間防範設定被致能，並且銀行交易伺服器30的傳輸器31接收到交易請求的時間是於非營業時間時，銀行交易伺服器30的虛擬交易器32記錄交易請求並生成包含交易內容411的交易暫態回應41以及包含交易內容421、驗證網址422以及驗證碼423的交易驗證通知42，交易暫態回應41的示意請參考「第2圖」所示，「第2圖」繪示為本發明於非營業時間進行金融交易的防範與驗證的交易暫態回應示意圖；交易驗證通知42的示意請參考「第3圖」所示，「第3圖」繪示為本發明於非營業時間進行金融交易的防範與驗證的交易驗證通知示意圖。When the
值得注意的是，交易內容411以及交易內容421一般為對應金融交易的制式內容，在實施例中即是線上轉帳金融交易的制式內容，驗證網址422即是提供在營業時間進行金融交易時的後續驗證之用，驗證碼423即是提供在營業時間進行金融交易時的後續驗證中須由客戶輸入的驗證碼。It is worth noting that the
在銀行交易伺服器30的虛擬交易器32生成交易暫態回應41後，透過銀行交易伺服器30的傳輸器31將交易暫態回應41傳送至交易裝置10，交易裝置10在自銀行交易伺服器30的傳輸器31接收交易暫態回應41並加以顯示，值得注意的是，銀行交易伺服器30的傳輸器31可以透過簡訊方式、電子郵件方式或是通訊軟體方式…等將交易暫態回應41傳送至交易裝置10，在此僅為舉例說明之，並不以此侷限本發明的應用範疇。After the
在銀行交易伺服器30的虛擬交易器32生成交易驗證通知42後，透過銀行交易伺服器30的傳輸器31將交易驗證通知42傳送至客戶裝置20，客戶裝置20在自銀行交易伺服器30的傳輸器31接收交易驗證通知42並加以顯示，值得注意的是，銀行交易伺服器30的傳輸器31可以透過簡訊方式、電子郵件方式或是通訊軟體方式…等將交易驗證通知42傳送至客戶裝置20，在此僅為舉例說明之，並不以此侷限本發明的應用範疇。After the
在客戶於營業時間將顯示於客戶裝置20的交易驗證通知42中驗證網址進行點選（即驗證網址被觸發）時，客戶裝置20提供連線請求至銀行交易伺服器30，銀行交易伺服器30的傳輸器31自客戶裝置20接收到連線請求時，由於客戶裝置20觸發驗證網址的時間是在營業時間，即可由銀行交易伺服器30的頁面生成器33生成驗證頁面43，驗證頁面43的示意請參考「第4圖」所示，「第4圖」繪示為本發明於非營業時間進行金融交易的防範與驗證的驗證頁面示意圖。When the customer clicks on the verification URL in the
由銀行交易伺服器30的頁面生成器33所生成的驗證頁面43即可透過銀行交易伺服器30的傳輸器31傳送至客戶裝置20，客戶裝置20在自銀行交易伺服器30的傳輸器31接收到驗證頁面43即可加以顯示，客戶即可於驗證頁面43輸入待驗證碼，客戶裝置20再將待驗證碼傳送至銀行交易伺服器30。The
銀行交易伺服器30的傳輸器31自客戶裝置20接收待驗證碼，銀行交易伺服器30即可比對待驗證碼與驗證碼是否相符，當待驗證碼與驗證碼比對相符時，銀行交易伺服器30的交易器34即可取得對應記錄的交易請求以於營業時間進行實際的金融交易操作。The
反之，當待驗證碼與驗證碼比對不相符時，銀行交易伺服器30的交易器34將不會取得對應記錄的交易請求也不會於營業時間進行實際的金融交易操作，透過於非營業時間對金融交易操作的暫停或是鎖定，以避免客戶於非營業時間因身分被盜用或是虛假的金融交易操作造成不必要的損失。On the contrary, when the verification code does not match the verification code, the
在客戶於非營業時間將顯示於客戶裝置20的交易驗證通知42中驗證網址進行點選（即驗證網址被觸發）時，客戶裝置20提供連線請求至銀行交易伺服器30，銀行交易伺服器30的傳輸器31自客戶裝置20接收到連線請求時，由於客戶裝置20觸發驗證網址的時間是在非營業時間，即可由銀行交易伺服器30的頁面生成器33生成告知頁面44，告知頁面44的示意請參考「第5圖」所示，「第5圖」繪示為本發明於非營業時間進行金融交易的防範與驗證的告知頁面示意圖，告知頁面44即是告知客戶現在是非營業時間，需要於營業時間再進行金融交易後續驗證作業。When the customer clicks on the verification URL in the
值得注意的是，若是銀行交易伺服器30的傳輸器31自交易裝置10接收交易請求是於營業時間時，不論交易請求中轉出帳號對應的非營業時間防範設定是否被致能或是被禁能（disable），銀行交易伺服器30的交易器34將會直接於營業時間對交易請求進行實際的金融交易操作。It is worth noting that if the
除此之外，銀行交易伺服器30判斷交易請求中轉出帳號對應的非營業時間防範設定被禁能時，不論線上轉帳的時間是營業時間或是非營業時間，銀行交易伺服器30的交易器34將會直接對交易請求進行實際的金融交易操作。In addition, when the
接著，以下將說明本發明的運作方法，並請同時參考「第6A圖」以及「第6B圖」所示，「第6A圖」以及「第6B圖」繪示為本發明於非營業時間進行金融交易的防範與驗證方法的方法流程圖。Next, the operation method of the present invention will be explained below, and please refer to "Figure 6A" and "Figure 6B" at the same time. "Figure 6A" and "Figure 6B" illustrate that the present invention is performed during non-business hours. Method flow chart for prevention and verification methods of financial transactions.
本發明所揭露的於非營業時間進行金融交易的防範與驗證方法，其包含下列步驟：The prevention and verification method for financial transactions during non-business hours disclosed in the present invention includes the following steps:
首先，交易裝置提供交易請求至銀行交易伺服器（步驟501）；接著，當交易請求中轉出帳號對應的非營業時間防範設定被致能，且接收到交易請求的時間為非營業時間時，銀行交易伺服器記錄交易請求並生成交易內容的交易暫態回應以及包含交易內容、驗證網址以及驗證碼的交易驗證通知（步驟502）；接著，銀行交易伺服器傳送交易暫態回應至交易裝置並加以顯示（步驟503）；接著，銀行交易伺服器傳送交易驗證通知至客戶裝置並加以顯示（步驟504）；接著，當驗證網址被觸發時，客戶裝置提供連線請求至銀行交易伺服器（步驟505）；接著，當銀行交易伺服器接收到連線請求且接收到連線請求的時間為營業時間時，生成驗證頁面（步驟506）；接著，銀行交易伺服器傳送驗證頁面至客戶裝置並加以顯示（步驟507）；接著，客戶裝置於驗證頁面接收待驗證碼並傳送待驗證碼至銀行交易伺服器（步驟508）；最後，當待驗證碼與驗證碼相符時，銀行交易伺服器取得對應記錄的交易請求，並於營業時間進行實際的金融交易操作（步驟509）。First, the transaction device provides a transaction request to the bank transaction server (step 501); then, when the non-business hour prevention setting corresponding to the account to which the transaction request is transferred is enabled and the time when the transaction request is received is non-business hours, The bank transaction server records the transaction request and generates a transaction transient response of the transaction content and a transaction verification notification including the transaction content, verification URL and verification code (step 502); then, the bank transaction server sends the transaction transient response to the transaction device and and display it (step 503); then, the bank transaction server sends a transaction verification notification to the client device and displays it (step 504); then, when the verification URL is triggered, the client device provides a connection request to the bank transaction server (step 504) 505); then, when the bank transaction server receives the connection request and the time when the connection request is received is business hours, a verification page is generated (step 506); then, the bank transaction server sends the verification page to the client device and adds it Display (step 507); then, the client device receives the code to be verified on the verification page and sends the code to be verified to the bank transaction server (step 508); finally, when the code to be verified matches the verification code, the bank transaction server obtains the corresponding Record the transaction request and conduct the actual financial transaction operation during business hours (step 509).
綜上所述，可知本發明與先前技術之間的差異在於銀行交易伺服器在交易請求中轉出帳號對應的非營業時間防範設定被致能且交易請求的時間為非營業時間時，銀行交易伺服器記錄交易請求並生成交易暫態回應以及交易驗證通知，銀行交易伺服器傳送交易暫態回應至交易裝置並加以顯示，銀行交易伺服器傳送交易驗證通知至客戶裝置並加以顯示，再當客戶裝置於營業時間觸發交易驗證通知的驗證網址並提供驗證碼且通過驗證時，銀行交易伺服器以對對應記錄的交易請求於營業時間進行實際的金融交易操作。In summary, it can be seen that the difference between the present invention and the prior art is that when the non-business hours prevention setting corresponding to the transferred account in the transaction request is enabled by the bank transaction server and the time of the transaction request is non-business hours, the bank transaction The server records the transaction request and generates a transaction transient response and a transaction verification notification. The bank transaction server sends a transaction transient response to the transaction device and displays it. The bank transaction server sends a transaction verification notification to the customer device and displays it. When the customer When the device triggers the verification URL of the transaction verification notification during business hours and provides the verification code and passes the verification, the bank transaction server performs actual financial transaction operations on the corresponding recorded transaction request during business hours.
藉由此一技術手段可以來解決先前技術所存在在銀行非營業時間透過線上進行金融交易缺乏防護容易造成不必要損失的問題，進而達成對非營業時間的金融交易進行防範並於營業時間進行後續驗證的技術功效。This technical means can solve the problem of previous technology that lacks protection for online financial transactions during bank non-business hours and easily causes unnecessary losses, thereby achieving prevention of financial transactions during non-business hours and subsequent follow-up during business hours. Proven technical efficacy.
雖然本發明所揭露的實施方式如上，惟所述的內容並非用以直接限定本發明的專利保護範圍。任何本發明所屬技術領域中具有通常知識者，在不脫離本發明所揭露的精神和範圍的前提下，可以在實施的形式上及細節上作些許的更動。本發明的專利保護範圍，仍須以所附的申請專利範圍所界定者為準。Although the embodiments disclosed in the present invention are as above, the described contents are not used to directly limit the patent protection scope of the present invention. Anyone with ordinary knowledge in the technical field to which the present invention belongs may make slight changes in the form and details of the implementation without departing from the spirit and scope of the present invention. The patent protection scope of the present invention must still be defined by the attached patent application scope.
10:交易裝置10:Trading device
20:客戶裝置20:Customer device
30:銀行交易伺服器30:Bank transaction server
31:傳輸器31:Transmitter
32:虛擬交易器32:Virtual Trader
33:頁面生成器33:Page Builder
34:交易器34:Trader
41:交易暫態回應41: Transaction transient response
411:交易內容411: Transaction content
42:交易驗證通知42: Transaction verification notification
421:交易內容421:Transaction content
422:驗證網址422:Verify URL
423:驗證碼423: Verification code
43:驗證頁面43:Verification page
44:告知頁面44:Information page
步驟 501:交易裝置提供交易請求至銀行交易伺服器Step 501: The transaction device provides the transaction request to the bank transaction server
步驟 502:當交易請求中轉出帳號對應的非營業時間防範設定被致能，且接收到交易請求的時間為非營業時間時，銀行交易伺服器記錄交易請求並生成包含交易內容的交易暫態回應以及包含交易內容、驗證網址以及驗證碼的交易驗證通知Step 502: When the non-business hours prevention setting corresponding to the account to which the transaction request is transferred is enabled and the time when the transaction request is received is non-business hours, the bank transaction server records the transaction request and generates a transaction transient state containing the transaction content. Response and transaction verification notification containing transaction content, verification URL, and verification code
步驟 503:銀行交易伺服器傳送交易暫態回應至交易裝置並加以顯示Step 503: The bank transaction server sends the transaction transient response to the transaction device and displays it.
步驟 504:銀行交易伺服器傳送交易驗證通知至客戶裝置並加以顯示Step 504: The bank transaction server sends the transaction verification notification to the customer device and displays it
步驟 505:當驗證網址被觸發時，客戶裝置提供連線請求至銀行交易伺服器Step 505: When the verification URL is triggered, the client device provides a connection request to the bank transaction server
步驟 506:當銀行交易伺服器接收到連線請求且接收到連線請求的時間為營業時間時，生成驗證頁面Step 506: When the bank transaction server receives the connection request and the time when the connection request is received is during business hours, generate a verification page
步驟 507:銀行交易伺服器傳送驗證頁面至客戶裝置並加以顯示Step 507: The bank transaction server sends the verification page to the customer device and displays it
步驟 508:客戶裝置於驗證頁面接收待驗證碼並傳送待驗證碼至銀行交易伺服器Step 508: The client device receives the verification code on the verification page and sends the verification code to the bank transaction server.
步驟 509:當待驗證碼與驗證碼相符時，銀行交易伺服器取得對應記錄的交易請求，並於營業時間進行實際的金融交易操作Step 509: When the verification code to be verified matches the verification code, the bank transaction server obtains the corresponding recorded transaction request and performs actual financial transaction operations during business hours.
第1圖繪示為本發明於非營業時間進行金融交易的防範與驗證系統的系統方塊圖。 第2圖繪示為本發明於非營業時間進行金融交易的防範與驗證的交易暫態回應示意圖。 第3圖繪示為本發明於非營業時間進行金融交易的防範與驗證的交易驗證通知示意圖。 第4圖繪示為本發明於非營業時間進行金融交易的防範與驗證的驗證頁面示意圖。 第5圖繪示為本發明於非營業時間進行金融交易的防範與驗證的告知頁面示意圖。 第6A圖以及第6B圖繪示為本發明於非營業時間進行金融交易的防範與驗證方法的方法流程圖。 Figure 1 is a system block diagram of the present invention's prevention and verification system for financial transactions during non-business hours. Figure 2 is a schematic diagram of the transaction transient response for preventing and verifying financial transactions during non-business hours according to the present invention. Figure 3 is a schematic diagram of a transaction verification notification for preventing and verifying financial transactions during non-business hours according to the present invention. Figure 4 is a schematic diagram of the verification page for preventing and verifying financial transactions during non-business hours according to the present invention. Figure 5 is a schematic diagram of the notification page for preventing and verifying financial transactions during non-business hours according to the present invention. Figure 6A and Figure 6B are flowcharts of the method for preventing and verifying financial transactions during non-business hours according to the present invention.
10:交易裝置 10:Trading device
20:客戶裝置 20:Customer device
30:銀行交易伺服器 30:Bank transaction server
31:傳輸器 31:Transmitter
32:虛擬交易器 32:Virtual Trader
33:頁面生成器 33:Page Builder
34:交易器 34:Trader
Claims (8)
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| TW112102082A TWI831578B (en) | 2023-01-17 | 2023-01-17 | System for preventing and verifying financial transactions during non-business hour and method thereof |
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| TWM642428U (en) * | 2023-01-17 | 2023-06-11 | 臺灣中小企業銀行股份有限公司 | Prevention and verification system for financial transaction during non-business hours |
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| TW574663B (en) * | 2002-03-27 | 2004-02-01 | Ting-Lu Lee | Method for calendar applied to commercial transaction services |
| US20130060708A1 (en) * | 2011-09-06 | 2013-03-07 | Rawllin International Inc. | User verification for electronic money transfers |
| CN109447607A (en) * | 2018-10-30 | 2019-03-08 | ***股份有限公司 | A kind of method of commerce and device of unit account |
| TWM584498U (en) * | 2019-07-04 | 2019-10-01 | 元大商業銀行股份有限公司 | Foreign exchange swap processing system |
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