TWM585390U - Automatic contracting system - Google Patents
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Abstract
一種自動約定系統的一營業機構伺服端及一銀行機構伺服端彼此電連接。該營業機構伺服端接收到一來自於一使用端的服務申辦請求時將其傳送至該銀行機構伺服端。該銀行機構伺服端自該營業機構伺服端接收到該服務申辦請求時傳送一身份檢核請求至該使用端，該銀行機構伺服端在接收到一來自該使用端的輸入資料且判斷出該輸入資料與一筆目標用戶資料的身份驗證資料相符後，將該目標用戶資料的一客戶基本資料傳送至該營業機構伺服端儲存。A server of a business institution and a server of a banking institution of an automatic appointment system are electrically connected to each other. When the server of the business institution receives a service application request from a user, it sends it to the server of the banking institution. When the server of the banking institution receives the service application request from the server of the business institution, it sends an identity verification request to the user. The server of the banking institution receives input data from the user and judges the input data. After the identity verification data of a piece of target user data is matched, a basic customer data of the target user data is transmitted to the server's server for storage.
Description
本新型是有關於一種自動約定系統，特別是指一種涉及網路通訊技術的自動約定系統。The present invention relates to an automatic appointment system, in particular to an automatic appointment system involving network communication technology.
在現代社會中，許多民生消費項目（例如電信、保險、水、電、瓦斯等）的營業機構在接收到使用者所提出的服務申請後，必須特地向銀行機構確認使用者的銀行相關資料是否有效，而相當費力耗時，因此，如何能使營業機構與銀行機構雙方更有效率地完成使用者所申請的服務約定，便成為本案所欲探討的議題。In modern society, the business institutions of many consumer products (such as telecommunications, insurance, water, electricity, gas, etc.) must specifically check with the banking institution whether the bank-related information of the user is received after receiving the service application from the user It is effective and time-consuming and time-consuming. Therefore, how to make both the business institution and the banking institution more efficiently complete the service agreement applied by the user has become the subject of this case.
因此，本新型之目的，即在提供一種能改善現有技術之不便的自動約定系統。Therefore, the object of the present invention is to provide an automatic appointment system which can improve the inconvenience of the prior art.
於是，本新型自動約定系統適用於與一使用端電連接，該自動約定系統包含一營業機構伺服端及一用於電連接該營業機構伺服端的銀行機構伺服端，該銀行機構伺服端儲存多筆用戶資料，每一用戶資料包含一身份驗證資料及一客戶基本資料。當該營業機構伺服端接收到一來自於該使用端的服務申辦請求時，將該服務申辦請求傳送至該銀行機構伺服端。當該銀行機構伺服端接收到由該營業機構伺服端所傳送的該服務申辦請求時，傳送一身份檢核請求至該使用端。當該銀行機構伺服端接收到一來自於該使用端且對應該身份檢核請求的輸入資料，且判斷出該等用戶資料的其中一筆目標用戶資料的身份驗證資料與該輸入資料相符後，該銀行機構伺服端將該目標用戶資料的客戶基本資料傳送至該營業機構伺服端。當該營業機構伺服端接收到來自於該銀行機構伺服端的該客戶基本資料時，將該客戶基本資料儲存。Therefore, the new automatic appointment system is suitable for electrical connection with a user. The automatic appointment system includes a server of a business institution and a server of a banking institution for electrically connecting the server of the business institution. The bank of the banking institution stores multiple transactions. User data, each user data includes an identity verification data and a customer basic data. When the server of the business institution receives a service application request from the user, it transmits the service application request to the server of the banking institution. When the server of the banking institution receives the service application request transmitted by the server of the business institution, it sends an identity verification request to the user. When the server of the banking institution receives an input from the user and responds to the identity check request, and determines that the identity verification data of one of the target user data of the user data matches the input data, the The server end of the banking institution sends the client's basic data of the target user data to the server end of the business institution. When the server of the business institution receives the basic information of the customer from the server of the banking institution, it stores the basic information of the customer.
在本新型自動約定系統的一些實施態樣中，該客戶基本資料包含一出生日期、一通訊地址及一身份證換/補發證明。In some implementation aspects of the new automatic appointment system, the basic information of the customer includes a date of birth, a communication address, and an ID card replacement / reissue certificate.
在本新型自動約定系統的一些實施態樣中，每一用戶資料還包含一手機號碼；該銀行機構伺服端於判斷出該目標用戶資料的身份驗證資料與該輸入資料相符時，該銀行機構伺服端還先產生一動態密碼，且將該動態密碼以簡訊的方式傳送至一對應該目標用戶資料所包含之手機號碼的行動裝置，並傳送一動態密碼請求至該使用端，並且，該銀行機構伺服端是於接收到一來自於該使用端且符合該動態密碼的輸入字串時才將該目標用戶資料的客戶基本資料傳送至該營業機構伺服端。In some implementation aspects of the new automatic appointment system, each user profile also includes a mobile phone number; when the server of the banking institution determines that the identity verification data of the target user profile matches the input data, the banking institution's server The terminal also first generates a dynamic password, and transmits the dynamic password to a pair of mobile devices corresponding to the mobile phone number included in the target user information by text message, and sends a dynamic password request to the user, and the banking institution The server only transmits the basic customer data of the target user data to the server of the sales agency when it receives an input string from the user and matches the dynamic password.
本新型的另一種自動約定系統適用於與一使用端電連接，該自動約定系統包含一營業機構伺服端及一用於電連接該營業機構伺服端的銀行機構伺服端，該銀行機構伺服端儲存多筆用戶資料，每一用戶資料包含一身份驗證資料及一客戶基本資料。當該營業機構伺服端接收到一來自於該使用端的自動付款約定請求時，將該自動付款約定請求傳送至該銀行機構伺服端。當該銀行機構伺服端接收到由該營業機構伺服端所傳送的該自動付款約定請求時，傳送一身份檢核請求至該使用端。當該銀行機構伺服端接收到一來自於該使用端且對應該輸入請求的輸入資料，且判斷出該等用戶資料的其中一筆目標用戶資料的身份驗證資料與該輸入資料相符後，該銀行機構伺服端至少根據一相關於該目標用戶資料的付款工具資料產生一對應該目標用戶資料的自動付款設定資料，並將該自動付款設定資料傳送至該營業機構伺服端。當該營業機構伺服端接收到來自於該銀行機構伺服端的該自動付款設定資料時，將該自動付款設定資料儲存。Another automatic appointment system of the present invention is suitable for electrical connection with a user end. The automatic appointment system includes a server of a business institution and a server of a banking institution for electrically connecting the server of the business institution. User data, each user data includes an identity verification data and a customer basic data. When the server of the business institution receives an automatic payment agreement request from the user, the automatic payment agreement request is transmitted to the server of the banking institution. When the server of the banking institution receives the automatic payment agreement request transmitted by the server of the business institution, it sends an identity verification request to the user. When the server of the banking institution receives input data from the user and responds to the input request, and determines that the identity verification data of one of the target user data of the user data matches the input data, the banking institution The server generates at least one pair of automatic payment setting data corresponding to the target user data according to the payment instrument data related to the target user data, and sends the automatic payment setting data to the server of the business organization. When the server of the business institution receives the automatic payment setting data from the server of the banking institution, the automatic payment setting data is stored.
在本新型的另該種自動約定系統的一些實施態樣中，每一用戶資料還包含一存款帳戶資料及一***資料的其中至少一者，且該付款工具資料相關於該存款帳戶資料及該***資料的該其中至少一者。In some implementations of the new automatic appointment system of the new model, each user profile further includes at least one of a deposit account profile and a credit card profile, and the payment instrument profile is related to the deposit account profile and the At least one of the credit card details.
在本新型的另該種自動約定系統的一些實施態樣中，該自動付款約定請求包含一對應於該使用端的網際網路協定位址。In some implementations of the new automatic appointment system of the present invention, the automatic payment agreement request includes an Internet protocol address corresponding to the user end.
在本新型的另該種自動約定系統的一些實施態樣中，每一用戶資料還包含一客戶基本資料，且該客戶基本資料包含一出生日期、一通訊地址及一身份證換/補發證明；該自動付款設定資料包含該付款工具資料及該目標用戶資料的客戶基本資料。In some implementations of the new automatic appointment system of the new model, each user profile also includes a customer's basic information, and the customer's basic information includes a date of birth, a communication address, and an ID card replacement / reissue certificate ; The automatic payment setting data includes the basic customer data of the payment instrument data and the target user data.
在本新型的另該種自動約定系統的一些實施態樣中，該付款工具資料指示出一存款帳戶帳號及一***號碼的其中一者。In some implementations of the new automatic appointment system of the present invention, the payment instrument information indicates one of a deposit account account number and a credit card number.
在本新型的另該種自動約定系統的一些實施態樣中，每一用戶資料還包含一手機號碼；該銀行機構伺服端於判斷出該目標用戶資料的身份驗證資料與該輸入資料相符時，該銀行機構伺服端還先產生一動態密碼，且將該動態密碼以簡訊的方式傳送至一對應該目標用戶資料所包含之手機號碼的行動裝置，並傳送一動態密碼請求至該使用端，並且，該銀行機構伺服端是於接收到一來自於該使用端且符合該動態密碼的輸入字串時才產生該自動付款設定資料。In some implementation forms of the new automatic appointment system of the new model, each user profile also includes a mobile phone number; when the server of the banking institution determines that the identity verification data of the target user profile matches the input data, The server of the banking institution also first generates a dynamic password, and sends the dynamic password to a pair of mobile devices corresponding to the mobile phone number included in the target user information by text message, and sends a dynamic password request to the user, and , The bank server's server generates the automatic payment setting data only when it receives an input string from the client that matches the dynamic password.
本新型之功效在於：該營業機構伺服端在接收到該服務申辦請求時會將該服務申辦請求傳送至該銀行機構伺服端，以使得該銀行機構伺服端傳送該身份檢核請求至該使用端，並根據來自於該使用端的輸入資料進行與身份驗證資料的比對，並且，該銀行機構伺服端在判斷出該目標用戶資料時會將該目標用戶資料的客戶基本資料傳送至該營業機構伺服端儲存，藉此，營業機構無需額外向銀行機構確認使用者所提供的銀行相關資料是否正確，而能使該營業機構與該銀行機構雙方更有效率地完成銀行相關資料的確認。The effect of the new model is that when the server of the business institution receives the service application request, it sends the service application request to the server of the banking institution, so that the server of the banking institution sends the identity verification request to the user. And compare it with the identity verification data based on the input data from the user, and when the server of the banking institution determines the target user profile, it will send the basic customer information of the target user profile to the server of the business institution By this way, the business institution does not need to confirm to the banking institution whether the bank-related information provided by the user is correct, so that both the business institution and the banking institution can complete the confirmation of the bank-related information more efficiently.
在本新型被詳細描述之前應當注意：本專利說明書中所述的「電連接」是泛指多個電子設備/裝置/元件之間透過導電材料相連接而達成的有線電連接，以及透過無線通訊技術進行無線信號傳輸的無線電連接。並且，本專利說明書中所述的「電連接」亦泛指兩個電子設備/裝置/元件之間直接相連而形成的「直接電連接」，以及兩個電子設備/裝置/元件之間還透過其他電子設備/裝置/元件相連而形成的「間接電連接」。Before the new model is described in detail, it should be noted that the "electrical connection" described in this patent specification refers to a wired electrical connection between a plurality of electronic devices / devices / components connected through conductive materials, and through wireless communication Technology A radio connection for wireless signal transmission. In addition, the "electrical connection" described in this patent specification also refers to the "direct electrical connection" formed by direct connection between two electronic devices / devices / components, and also through the two electronic devices / devices / components. "Indirect electrical connection" formed by the connection of other electronic equipment / devices / components.
同時參閱圖1及圖2，本新型自動約定系統1之一實施例適用於與供多個使用端5（圖1中僅示出一者）透過一通訊網路電連接。每一使用端5可例如為一智慧型手機、一平板電腦、一筆記型電腦或者一桌上電腦，且該通訊網路可例如為網際網路，但不以此為限。為了便於理解，以下的描述中僅以圖1所示出的該使用端5對該自動約定系統1進行說明。Referring to FIG. 1 and FIG. 2 at the same time, an embodiment of the new automatic appointment system 1 is suitable for being electrically connected to a plurality of users 5 (only one of which is shown in FIG. 1) through a communication network. Each user terminal 5 may be, for example, a smart phone, a tablet computer, a notebook computer, or a desktop computer, and the communication network may be, for example, the Internet, but is not limited thereto. For ease of understanding, the following description only uses the user end 5 shown in FIG. 1 to describe the automatic appointment system 1.
該自動約定系統1包含一營業機構伺服端11，以及一用於電連接該營業機構伺服端11的銀行機構伺服端12。The automatic appointment system 1 includes a business server end 11 and a bank office server end 12 for electrically connecting the business office server 11.
該營業機構伺服端11在本實施例中例如歸屬於一營業機構，該營業機構可為一民營事業機構或者一公營事業機構，且例如提供相關於民生消費的服務項目（例如電信、保險、水、電、瓦斯等），但不以此為限。In this embodiment, the server end 11 of the business institution belongs to a business institution, for example, the business institution may be a private institution or a public institution, and for example, it provides services related to people ’s livelihood (such as telecommunications, insurance, water , Electricity, gas, etc.), but not limited to this.
該銀行機構伺服端12在本實施例中例如歸屬於一銀行機構，並且儲存多筆用戶資料D1。在本實施例中，該等用戶資料D1例如分別對應於多個曾於該銀行機構開立存款帳戶及/或申辦***的客戶，且每一用戶資料D1例如如圖2所示地包含一客戶基本資料D11、一身份驗證資料D12、一金融資料D13，以及一手機號碼D14。The server end 12 of the banking institution belongs to a banking institution in this embodiment, and stores a plurality of user data D1. In this embodiment, the user data D1 respectively correspond to a plurality of customers who have opened a deposit account and / or applied for a credit card with the banking institution, and each user data D1 includes a customer as shown in FIG. 2, for example. Basic information D11, an identity verification data D12, a financial information D13, and a mobile phone number D14.
更具體地說，在本實施例中，每一客戶基本資料D11例如包含對應之客戶的一出生日期、一通訊地址及一身份證換/補發證明，但不以此為限。More specifically, in this embodiment, the basic information D11 of each customer includes, for example, a date of birth, a communication address, and an ID card replacement / reissue certificate of the corresponding customer, but is not limited thereto.
在本實施例中，每一身份驗證資料D12的內容例如會根據對應之客戶於該銀行機構所申辦的金融服務而有所不同，舉例來說，在該等身份驗證資料D12中，其中一筆身份驗證資料D12例如包含一身份證字號及一晶片金融卡密碼，其中另一筆身份驗證資料D12例如包含一身份證字號及一存款帳戶帳號，其中又一筆身份驗證資料D12例如包含一身份證字號及一***卡號，而其中再一筆身份驗證資料D12例如包含一身份證字號、一使用者代號以及一網路銀行密碼，但並不以此為限。In this embodiment, the content of each identity verification data D12 will be different, for example, according to the financial services that the corresponding customer has applied for in the banking institution. For example, among the identity verification data D12, one of the identity The verification information D12 includes, for example, an ID number and a chip debit card password, and another piece of identity verification information D12 includes, for example, an ID number and a deposit account account number, and the other verification information D12 includes, for example, an ID number and a Credit card number, and another piece of identity verification information D12 includes, for example, an ID number, a user code, and an online banking password, but it is not limited to this.
在本實施例中，每一金融資料D13的內容也會根據對應之客戶於該銀行機構所申辦的金融服務而有所不同。舉一例來說，在該等金融資料D13中，若一個客戶在該銀行機構僅有開立存款帳戶而並未申辦***，則對應於該客戶的其中一筆金融資料D13便會僅包含一存款帳戶資料。舉另一例來說，若另一個客戶在該銀行機構僅有申辦***而並未開立存款帳戶，則對應於另該客戶的其中另一筆金融資料D13則僅會包含一***資料。再舉另一例來說，若又另一個客戶在該銀行機構同時有開立存款帳戶及申辦***，則對應於所述客戶的其中又另一筆金融資料D13則例如同時包含一存款帳戶資料及一***資料。也就是說，在本實施例中，每一用戶資料D1的金融資料D13包含一存款帳戶資料及一***資料的其中至少一者，但不以此為限。In this embodiment, the content of each financial data D13 will also vary according to the financial services that the corresponding customer has applied for in the banking institution. For example, among the financial information D13, if a customer has only opened a deposit account at the banking institution without applying for a credit card, one of the financial information D13 corresponding to the customer will only include a deposit account data. For another example, if another customer only applies for a credit card at the banking institution without opening a deposit account, the other financial information D13 corresponding to the other customer will only include one credit card information. For another example, if another customer has a deposit account and a credit card application at the same banking institution, another piece of financial information D13 corresponding to the customer includes, for example, both a deposit account information and a Credit card information. That is, in this embodiment, the financial data D13 of each user data D1 includes at least one of a deposit account data and a credit card data, but is not limited thereto.
同時參閱圖1及圖2，以下示例性地詳細說明本實施例的該自動約定系統1如何實施一自動約定方法。Referring to FIG. 1 and FIG. 2 at the same time, the following describes in detail how the automatic appointment system 1 of this embodiment implements an automatic appointment method.
首先，在步驟S1中，該營業機構伺服端11透過該通訊網路接收一來自於該使用端5的自動付款約定請求。在本實施例中，該自動付款約定請求例如是由該使用端5根據使用者的操作而產生，且該自動付款約定請求例如包含一對應於該使用端5的網際網路協定位址（亦即該使用端5於該通訊網路中的IP位址），但並不以此為限。更具體地說，使用者例如是透過該使用端5進入該營業機構的網站，並於該營業機構的網站中點選一個自動付款申辦選項，以使得該使用端5產生並傳送該自動付款約定請求至該營業機構伺服端11，但不以此為限。接著，進行步驟S2。First, in step S1, the server 11 of the sales agency receives an automatic payment agreement request from the user 5 through the communication network. In this embodiment, the automatic payment agreement request is generated, for example, by the user 5 according to the user's operation, and the automatic payment agreement request includes, for example, an Internet Protocol address corresponding to the user 5 (also That is, the IP address of the user 5 in the communication network), but it is not limited to this. More specifically, the user enters the website of the business institution through the user terminal 5 and clicks an automatic payment application option on the website of the business institution, so that the user terminal 5 generates and transmits the automatic payment agreement. Request to the server 11 of the sales organization, but not limited to this. Next, step S2 is performed.
在步驟S2中，該營業機構伺服端11將該自動付款約定請求傳送至該銀行機構伺服端12。接著，進行步驟S3。In step S2, the sales agency server 11 transmits the automatic payment agreement request to the banking agency server 12. Next, step S3 is performed.
在步驟S3中，當該銀行機構伺服端12接收到由該營業機構伺服端11所傳送的該自動付款約定請求時，該銀行機構伺服端12根據該自動付款約定請求所包含的網際網路協定位址傳送一身份檢核請求至該使用端5以供該使用端5輸出。在本實施例中，該身份檢核請求例如為一個網頁中的登入表單，並且能供使用者於該使用端5選擇所欲使用的登入方式並填入登入用的資料。接著，進行步驟S4。In step S3, when the banking institution server 12 receives the automatic payment agreement request transmitted by the business institution server terminal 11, the banking institution server 12 according to the Internet protocol included in the automatic payment agreement request The address sends an identity check request to the user 5 for output by the user 5. In this embodiment, the identity verification request is, for example, a login form on a webpage, and can be used by the user to select a desired login method at the user terminal 5 and fill in login information. Next, step S4 is performed.
在步驟S4中，該銀行機構伺服端12接收一來自於該使用端5且對應該身份檢核請求的輸入資料，該輸入資料例如是該使用端5根據使用者對該登入表單的編輯而產生，但不以此為限。接著，進行步驟S5。In step S4, the bank server 12 receives input data from the user terminal 5 corresponding to the identity check request. The input data is generated by the user terminal 5 according to the user's editing of the login form, for example. , But not limited to this. Then, step S5 is performed.
在步驟S5中，該銀行機構伺服端12判斷該等用戶資料D1中是否有其中一筆目標用戶資料D1’的身份驗證資料D12與該輸入資料相符。若該銀行機構伺服端12判斷的結果為是，接著進行步驟S6，另一方面，若該銀行機構伺服端12判斷的結果為否，則接著進行步驟S7。In step S5, the server end 12 of the banking institution determines whether one of the user data D1's identity verification data D12 of the target user data D1 matches the input data. If the result of the judgment by the bank server end 12 is YES, then proceed to step S6, on the other hand, if the result of the judgment by the bank institution server 12 is no, then proceed to step S7.
在接續於步驟S5之後的步驟S6中，當該銀行機構伺服端12判斷出該等用戶資料D1中存在身份驗證資料D12與該輸入資料相符的該目標用戶資料D1’時，該銀行機構伺服端12產生一動態密碼，且根據該目標用戶資料D1’所包含的手機號碼D14將該動態密碼以簡訊的方式傳送至一對應該目標用戶資料D1’之手機號碼D14的行動裝置，並且，該銀行機構伺服端12還傳送一動態密碼請求至該使用端5以供該使用端5輸出。在本實施例中，該動態密碼例如是由多個***數字所組成，但不以此為限。補充說明的是，在實際的實施情況中，該行動裝置與使用端5可能為同一台智慧型手機，也可能是兩台彼此獨立的電子裝置。接著，進行步驟S8。In step S6 subsequent to step S5, when the bank server 12 determines that the user information D1 has the target user data D1 'that matches the input data, the bank server 12 generates a dynamic password, and according to the mobile phone number D14 included in the target user profile D1 ', transmits the dynamic password to a mobile device corresponding to the mobile phone number D14 corresponding to the target user profile D1', and the bank The server 12 also sends a dynamic password request to the user 5 for output by the user 5. In this embodiment, the dynamic password is composed of, for example, multiple Arabic numerals, but is not limited thereto. It is added that in actual implementation, the mobile device and the user end 5 may be the same smart phone, or may be two independent electronic devices. Then, step S8 is performed.
在接續於步驟S5之後的步驟S7中，當該銀行機構伺服端12判斷出該等用戶資料D1中並未有任一者的身份驗證資料D12與該輸入資料相符時（亦即判斷出不存在目標用戶資料D1’時），該銀行機構伺服端12傳送一登入失敗通知至該使用端5以供該使用端5輸出。In step S7 subsequent to step S5, when the bank server 12 determines that none of the user data D1's identity verification data D12 matches the input data (that is, it determines that it does not exist) Target user data D1 '), the bank server 12 sends a login failure notification to the user 5 for output by the user 5.
在步驟S8中，當該銀行機構伺服端12接收到一來自於該使用端5且符合該動態密碼的輸入字串時，該銀行機構伺服端12根據該目標用戶資料D1’所包含的金融資料D13產生一付款工具設定請求，並將該付款工具設定請求傳送至該使用端5以供該使用端5輸出。具體而言，該付款工具設定請求在本實施例中例如指示出該目標用戶資料D1’之金融資料D13的所有存款帳戶資料及***資料，藉此，使用者能透過該使用端5選擇其所擁有的存款帳戶或***作為自動付款的付款工具。接著，進行步驟S9。In step S8, when the banking institution server 12 receives an input string from the user terminal 5 and matches the dynamic password, the banking institution server 12 according to the financial information contained in the target user profile D1 ' D13 generates a payment instrument setting request, and transmits the payment instrument setting request to the user terminal 5 for output by the user terminal 5. Specifically, in this embodiment, the payment instrument setting request indicates, for example, all the deposit account data and credit card data of the financial data D13 of the target user data D1 ', whereby the user can select his / her location through the user terminal 5. Own a deposit account or credit card as a payment instrument for automatic payments. Next, step S9 is performed.
在步驟S9中，當該銀行機構伺服端12接收到一來自於該使用端5且對應於該付款工具設定請求的付款工具資料時，該銀行機構伺服端12根據該付款工具資料以及該目標用戶資料D1’所包含的客戶基本資料D11產生一對應該目標用戶資料D1’的自動付款設定資料。在本實施例中，該付款工具資料例如是該使用端5根據使用者的操作而產生，且該付款工具資料指示出該目標用戶資料D1’之金融資料D13的所有存款帳戶資料及***資料的其中一者。更具體地說，若使用者於該使用端5選擇以存款帳戶作為付款工具，則該付款工具資料會指示出一存款帳戶帳號，另一方面，若使用者於該使用端5選擇以***作為付款工具，則該付款工具資料會指示出一***號碼，但不以此為限。並且，該自動付款設定資料在本實施例中例如包含該付款工具資料及該目標用戶資料D1’的客戶基本資料D11，但不以此為限。接著，進行步驟S10。In step S9, when the banking institution server 12 receives a payment instrument data from the user terminal 5 and corresponding to the payment instrument setting request, the banking institution server 12 is based on the payment instrument data and the target user. The customer basic data D11 included in the data D1 'generates a pair of automatic payment setting data corresponding to the target user data D1'. In this embodiment, the payment instrument data is, for example, generated by the user terminal 5 according to the user's operation, and the payment instrument data indicates all the deposit account data and credit card data of the financial data D13 of the target user data D1 '. One of them. More specifically, if the user chooses to use a deposit account as a payment instrument at the user terminal 5, the payment instrument data will indicate a deposit account account number. On the other hand, if the user chooses to use a credit card as a payment instrument at the user terminal 5 Payment instrument, the payment instrument information will indicate a credit card number, but not limited to this. Moreover, in this embodiment, the automatic payment setting data includes, for example, the payment tool data and the customer basic data D11 of the target user data D1 ', but it is not limited thereto. Next, step S10 is performed.
在步驟S10中，該銀行機構伺服端12將該自動付款設定資料傳送至該營業機構伺服端11，且該銀行機構伺服端12還將該自動付款設定資料儲存。接著，進行步驟S11。In step S10, the bank server 12 sends the automatic payment setting data to the business server 11 and the bank server 12 stores the automatic payment setting data. Next, step S11 is performed.
在步驟S11中，當該營業機構伺服端11接收到來自於該銀行機構伺服端12的該自動付款設定資料時，該營業機構伺服端11將該自動付款設定資料儲存。In step S11, when the sales agency server 11 receives the automatic payment setting data from the banking agency server 12, the sales server 11 stores the automatic payment setting data.
如此一來，該營業機構伺服端11及該銀行機構伺服端12兩者皆儲存有該自動付款設定資料，藉此，該營業機構伺服端11便能根據該自動付款設定資料定期地向該銀行機構伺服端12發出一收款請求，而該銀行機構伺服端12則能根據該收款請求及該自動付款設定資料進行一自動扣款交易或者一自動刷卡交易，也就是說，該營業機構與該銀行機構能透過上述的自動約定方法而達成約定，而能令使用者享受自動付款帶來的便利性。In this way, both the server end 11 of the business institution and the server end 12 of the banking institution store the automatic payment setting data, whereby the server end 11 of the business institution can periodically report to the bank based on the automatic payment setting data. The server server 12 of the institution issues a collection request, and the server server 12 of the bank can perform an automatic debit transaction or an automatic credit card transaction based on the collection request and the automatic payment setting data, that is, the business institution and the The banking institution can reach an agreement through the above-mentioned automatic agreement method, and can enable users to enjoy the convenience brought by automatic payment.
補充說明的是，在本實施例中，該營業機構伺服端11及該銀行機構伺服端12例如是各以單一台伺服器實施，然而，在其他實施例中，該營業機構伺服端11及該銀行機構伺服端12的其中至少一者也可例如是各以彼此電連接的多台伺服器實施，具體來說，該營業機構伺服端11及該銀行機構伺服端12的實施方式能夠基於成本及運算性能等需求自由調整，而並不以本實施例為限。另外，步驟S1中所述的該自動付款約定請求是作為本實施例中的一服務申辦請求，並且，在其他實施例中，該服務申辦請求也可以是指示出該營業機構所提供的其他特定服務，而並不限於本實施例中所述的自動付款約定服務。It is added that, in this embodiment, the sales agency server end 11 and the banking organization server end 12 are each implemented by a single server, however, in other embodiments, the sales agency server end 11 and the At least one of the bank server end 12 may also be implemented by multiple servers each electrically connected to each other. Specifically, the implementation of the business server end 11 and the bank server end 12 can be based on cost and The computing performance and other requirements can be adjusted freely, and are not limited to this embodiment. In addition, the automatic payment agreement request described in step S1 is a service bid request in this embodiment, and in other embodiments, the service bid request may also indicate other specific services provided by the business institution. Service, and is not limited to the automatic payment contract service described in this embodiment.
本實施例的該自動約定系統1還能實施另一種態樣的自動約定方法。在所述之另一種態樣的自動約定方法中，當該營業機構伺服端11接收到一來自於該使用端5且包含一對應於該使用端5的網際網路協定位址的服務申辦請求時，該營業機構伺服端11將該服務申辦請求傳送至該銀行機構伺服端12。在本實施態樣中，該服務申辦請求例如指示出該營業機構所提供的一種特定民生消費服務，而不同於前述的自動付款約定請求。The automatic appointment system 1 of this embodiment can also implement another aspect of the automatic appointment method. In the other aspect of the automatic agreement method, when the business server 11 receives a service application request from the user 5 and contains an Internet protocol address corresponding to the user 5 At that time, the server 11 of the business institution transmits the service application request to the server 12 of the banking institution. In this embodiment, the service bid request indicates, for example, a specific livelihood consumption service provided by the business institution, which is different from the aforementioned automatic payment agreement request.
接著，當該銀行機構伺服端12接收到由該營業機構伺服端11所傳送的該服務申辦請求時，該銀行機構伺服端12根據該自動付款約定請求所包含的網際網路協定位址傳送一身份檢核請求至該使用端5。Then, when the server of the banking institution 12 receives the service application request transmitted by the server of the operating institution 11, the server 12 of the banking institution sends a request based on the Internet protocol address included in the automatic payment agreement request. The identity check request is sent to the user 5.
接著，當該銀行機構伺服端12接收到一來自於該使用端5且對應該身份檢核請求的輸入資料，且判斷出該等用戶資料D1的其中一筆目標用戶資料D1’的身份驗證資料D12與該輸入資料相符時，該銀行機構伺服端12產生一動態密碼且將該動態密碼以簡訊的方式傳送至一對應該目標用戶資料D1’所包含之手機號碼D14的行動裝置，並傳送一動態密碼請求至該使用端5。在本實施態樣中，該等身份驗證資料D12的其中一部分的每一者例如包含身份證字號及***卡號，而該等身份驗證資料D12的其中另一部分的每一者則例如包含身份證字號及存款帳戶帳號，換句話說，使用者只要輸入其身份證字號及***卡號/存款帳戶帳號即可完成身份檢核，但不以此為限。Then, when the server 12 of the banking institution receives an input data from the user 5 and responds to the identity check request, and determines one of the user data D1's target user data D1 ', the identity verification data D12 When it is consistent with the input data, the bank server 12 generates a dynamic password and sends the dynamic password to the pair of mobile devices corresponding to the mobile phone number D14 included in the target user data D1 'by text message, and sends a dynamic The password is requested to the client 5. In this aspect, each of the portions of the identification information D12 includes, for example, an identification number and a credit card number, and each of the other portions of the identification information D12 includes, for example, an identification number And deposit account account, in other words, users can complete their identity verification by entering their ID number and credit card number / deposit account account number, but not limited to this.
接著，當該銀行機構伺服端12接收到一來自於該使用端5且符合該動態密碼的輸入字串時，該銀行機構伺服端12將該目標用戶資料D1’的客戶基本資料11傳送至該營業機構伺服端11。Then, when the bank server 12 receives an input string from the user terminal 5 and matches the dynamic password, the bank server 12 sends the client basic information 11 of the target user data D1 'to the Business server end 11.
最後，當該營業機構伺服端11接收到來自於該銀行機構伺服端12的該客戶基本資料11時，將該客戶基本資料11儲存。Finally, when the server 11 of the business institution receives the customer basic information 11 from the server 12 of the banking institution, the customer basic information 11 is stored.
綜上所述，該自動約定系統1的營業機構伺服端11在接收到該自動付款約定請求時會將該自動付款約定請求傳送至該銀行機構伺服端12，以使得該銀行機構伺服端12傳送該身份檢核請求至該使用端5、根據來自於該使用端5的輸入資料進行與身份驗證資料的比對，以及根據來自於該使用端5的付款工具資料產生該自動付款設定資料，並且，該銀行機構伺服端12還將該自動付款設定資料提供至該營業機構伺服端11以供該營業機構伺服端11儲存，藉此，該營業機構無需額外向該銀行機構確認使用者所提供的存款帳戶或***是否有效，而能使該營業機構與該銀行機構雙方更有效率地完成讓使用者自動付款的約定。另外，該自動約定系統1能供使用者於線上向該營業機構申辦該營業機構所提供的服務，並同時完成所申辦之服務的自動付款設定，如此一來，使用者無需親臨該營業機構辦理也無需郵寄紙本文件便能一次性地完成服務的申辦以及自動付款的設定，且能降低個資外洩風險，另一方面，該營業機構及該銀行機構也無需再耗費多餘人力處理自動付款的約定事宜，進一步地，該自動付款設定資料中所包含的客戶基本資料D11能供該營業機構留存管理，並且能供使用者於該營業機構進一步申辦其他的服務項目，故確實能達成本新型之目的。In summary, when receiving the automatic payment agreement request, the business agency server 11 of the automatic agreement system 1 will transmit the automatic payment agreement request to the banking institution server 12 so that the banking institution server 12 transmits The identity check request is made to the user terminal 5, a comparison is made with the authentication data according to the input data from the user terminal 5, and the automatic payment setting data is generated according to the payment instrument data from the user terminal 5, and , The banking institution server 12 also provides the automatic payment setting data to the business institution server 11 for storage by the business institution server 11, whereby the business institution does not need to additionally confirm with the banking institution the user provided Whether the deposit account or credit card is valid can enable both the business institution and the banking institution to more efficiently complete the agreement for users to make automatic payments. In addition, the automatic appointment system 1 can be used by users to apply to the business institution for the services provided by the business institution online, and at the same time complete the automatic payment setting of the service requested. In this way, the user does not need to visit the business institution in person to apply It does not need to send paper documents to complete the service application and automatic payment setting at one time, and it can reduce the risk of leakage of personal assets. On the other hand, the business institution and the banking institution do not need to spend extra manpower to process automatic payments. Further, the basic customer information D11 included in the automatic payment setting data can be retained and managed by the business institution, and can be used by users to further apply for other service items at the business institution, so it can indeed achieve a new type of cost. Purpose.
惟以上所述者，僅為本新型之實施例而已，當不能以此限定本新型實施之範圍，凡是依本新型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，皆仍屬本新型專利涵蓋之範圍內。However, the above are only examples of the new model. When the scope of implementation of the new model cannot be limited by this, any simple equivalent changes and modifications made in accordance with the scope of the patent application of the new model and the content of the patent specification are still Within the scope of this new patent.
1‧‧‧自動約定系統
11‧‧‧營業機構伺服端
12‧‧‧銀行機構伺服端
D1‧‧‧用戶資料
D1’‧‧‧目標用戶資料
D11‧‧‧客戶基本資料
D12‧‧‧身份驗證資料
D13‧‧‧金融資料
D14‧‧‧手機號碼
5‧‧‧使用端
S1~S11‧‧‧步驟
1‧‧‧ automatic appointment system
11‧‧‧Business server
12‧‧‧bank server
D1‧‧‧User Information
D1'‧‧‧ Target user profile
D11‧‧‧Customer Basic Information
D12‧‧‧ Identity Verification Information
D13‧‧‧ Financial Information
D14‧‧‧Mobile number
5‧‧‧ end of use
S1 ~ S11‧‧‧step
本新型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是本新型自動約定系統之一實施例與一使用端相配合的一方塊示意圖；
圖2是該實施例中的一筆用戶資料的一方塊示意圖；及
圖3是一流程圖，示例性地說明該實施例如何實施一自動約定方法。
Other features and effects of the present invention will be clearly presented in the embodiments with reference to the drawings, among which:
FIG. 1 is a block diagram of an embodiment of the novel automatic appointment system and a user end;
FIG. 2 is a block diagram of a piece of user data in the embodiment; and FIG. 3 is a flowchart illustrating how to implement an automatic appointment method in the embodiment.
Claims (9)
一營業機構伺服端；及
一銀行機構伺服端，用於電連接該營業機構伺服端，並儲存多筆用戶資料，每一用戶資料包含一身份驗證資料及一客戶基本資料；
當該營業機構伺服端接收到一來自於該使用端的服務申辦請求時，將該服務申辦請求傳送至該銀行機構伺服端；
當該銀行機構伺服端接收到由該營業機構伺服端所傳送的該服務申辦請求時，傳送一身份檢核請求至該使用端；
當該銀行機構伺服端接收到一來自於該使用端且對應該身份檢核請求的輸入資料，且判斷出該等用戶資料的其中一筆目標用戶資料的身份驗證資料與該輸入資料相符後，該銀行機構伺服端將該目標用戶資料的客戶基本資料傳送至該營業機構伺服端；
當該營業機構伺服端接收到來自於該銀行機構伺服端的該客戶基本資料時，將該客戶基本資料儲存。 An automatic appointment system suitable for electrical connection with a user end. The automatic appointment system includes:
A server of a business institution; and a server of a banking institution, for electrically connecting the server of the business institution, and storing a plurality of user data, each user data includes an identity verification data and a customer basic data;
When the server of the business institution receives a service application request from the user, it transmits the service application request to the server of the banking institution;
When the server of the banking institution receives the service application request transmitted by the server of the business institution, it sends an identity verification request to the user;
When the server of the banking institution receives an input from the user and responds to the identity check request, and determines that the identity verification data of one of the target user data of the user data matches the input data, the The server of the banking institution sends the basic customer information of the target user data to the server of the operating institution;
When the server of the business institution receives the basic information of the customer from the server of the banking institution, it stores the basic information of the customer.
一營業機構伺服端；及
一銀行機構伺服端，用於電連接該營業機構伺服端，並儲存多筆用戶資料，每一用戶資料包含一身份驗證資料；
當該營業機構伺服端接收到一來自於該使用端的自動付款約定請求時，將該自動付款約定請求傳送至該銀行機構伺服端；
當該銀行機構伺服端接收到由該營業機構伺服端所傳送的該自動付款約定請求時，傳送一身份檢核請求至該使用端；
當該銀行機構伺服端接收到一來自於該使用端且對應該輸入請求的輸入資料，且判斷出該等用戶資料的其中一筆目標用戶資料的身份驗證資料與該輸入資料相符後，該銀行機構伺服端至少根據一相關於該目標用戶資料的付款工具資料產生一對應該目標用戶資料的自動付款設定資料，並將該自動付款設定資料傳送至該營業機構伺服端；
當該營業機構伺服端接收到來自於該銀行機構伺服端的該自動付款設定資料時，將該自動付款設定資料儲存。 An automatic appointment system suitable for electrical connection with a user end. The automatic appointment system includes:
A server of the business institution; and a server of the banking institution, for electrically connecting the server of the business institution, and storing a plurality of user data, each user data includes an identity verification data;
When the server of the business institution receives an automatic payment agreement request from the user, the automatic payment agreement request is transmitted to the server of the banking institution;
When the server of the banking institution receives the automatic payment agreement request transmitted by the server of the business institution, it sends an identity verification request to the user;
When the server of the banking institution receives input data from the user and responds to the input request, and determines that the identity verification data of one of the target user data of the user data matches the input data, the banking institution The server generates at least one pair of automatic payment setting data corresponding to the target user data according to the payment instrument data related to the target user data, and transmits the automatic payment setting data to the server end of the business organization;
When the server of the business institution receives the automatic payment setting data from the server of the banking institution, the automatic payment setting data is stored.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| TW108209778U TWM585390U (en) | 2019-07-26 | 2019-07-26 | Automatic contracting system |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| TW108209778U TWM585390U (en) | 2019-07-26 | 2019-07-26 | Automatic contracting system |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| TWM585390U true TWM585390U (en) | 2019-10-21 |
Family
ID=69053430
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| TW108209778U TWM585390U (en) | 2019-07-26 | 2019-07-26 | Automatic contracting system |
Country Status (1)
| Country | Link |
|---|---|
| TW (1) | TWM585390U (en) |
-
2019
- 2019-07-26 TW TW108209778U patent/TWM585390U/en not_active IP Right Cessation
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