TWM611795U

TWM611795U - Interbank financial transaction system

Info

Publication number: TWM611795U
Application number: TW109217543U
Authority: TW
Inventors: 鄭宇廷
Original assignee: 臺灣銀行股份有限公司
Priority date: 2020-12-31
Filing date: 2020-12-31
Publication date: 2021-05-11

Abstract

本新型提供一種跨行金融交易系統，包括第一銀行裝置及第二銀行裝置。第一銀行裝置包括擷取模組及現金交易模組。擷取模組係擷取使用者之指靜脈資料、識別金鑰、銀行代碼及交易指令，並提取指靜脈資料之特徵值，以輸出指靜脈特徵值。現金交易模組係接收現金交易授權，並根據現金交易授權來執行現金交易。第二銀行裝置包括資料庫及比對模組。資料庫係儲存指靜脈特徵值。比對模組係比對儲存在資料庫的指靜脈特徵值與經解密之指靜脈特徵值，以判斷是否根據交易指令輸出現金交易授權。其中，指靜脈資料係透過識別金鑰及銀行代碼來進行加解密。The model provides an inter-bank financial transaction system, which includes a first bank device and a second bank device. The first banking device includes a capturing module and a cash transaction module. The capture module captures the user's finger vein data, identification key, bank code, and transaction instruction, and extracts the characteristic value of the finger vein data to output the finger vein characteristic value. The cash transaction module receives the cash transaction authorization and executes the cash transaction according to the cash transaction authorization. The second banking device includes a database and a comparison module. The database stores the characteristic values of finger veins. The comparison module compares the finger vein characteristic value stored in the database with the decrypted finger vein characteristic value to determine whether to output the cash transaction authorization according to the transaction instruction. Among them, the finger vein data is encrypted and decrypted through the identification key and bank code.

Description

跨行金融交易系統Interbank financial transaction system

本新型涉及一種跨行金融交易系統，尤其是涉及一種能擷取客戶之指靜脈資料，以辨識並取得交易授權的跨行金融交易系統。The present model relates to an inter-bank financial transaction system, in particular to an inter-bank financial transaction system capable of capturing finger vein data of customers to identify and obtain transaction authorization.

就目前眾所熟知的金融交易系統而言，除了傳統採用密碼鍵入方式來取得交易授權的金融交易系統之外，也有一部分的金融交易系統係導入生物特徵的辨識技術，以擷取使用者之例如指紋辨識、人臉辨識等專屬生物特徵，以進一步在比對確認後，直接取得使用者的交易授權。近日，由於人體之手指端的靜脈 (palmar digital veins，下稱為指靜脈)，相較於其他生物辨識方式，具有獨特性更高、不可取代性更高、可辨識程度更穩定且重測信效度也高等優點，因此也逐漸開始有其相關的應用產生。As far as the well-known financial transaction systems are concerned, in addition to the traditional financial transaction systems that use password keying methods to obtain transaction authorization, some financial transaction systems also introduce biometric identification technology to capture user information such as Exclusive biometric features such as fingerprint recognition and face recognition can be used to obtain the user’s transaction authorization directly after the comparison is confirmed. Recently, because the palmar digital veins (referred to as finger veins hereinafter) of the human body are more unique than other biometric methods, they are more irreplaceable, recognizable, more stable, and reliable. Degree is also high and other advantages, so it has gradually begun to have its related applications.

然而，就基於指靜脈辨識技術的金融交易系統而言，目前仍然僅限於單一銀行 (亦即本行內部) 的金融交易，而無法應用到多個銀行 (亦即跨行) 之間的金融交易。因此，如何克服此技術障礙，並提供更加便利且完整的金融交易平台，即成為一個所屬技術領域中有待解決的問題。However, as far as the financial transaction system based on finger vein recognition technology is concerned, it is still limited to financial transactions of a single bank (that is, within the bank), and cannot be applied to financial transactions between multiple banks (that is, inter-bank). Therefore, how to overcome this technical obstacle and provide a more convenient and complete financial transaction platform has become a problem to be solved in the technical field.

為解決上述問題，本新型之實施例發展出一種跨行金融交易系統，其例如可為一銀行 (下稱為第一銀行) 係擷取使用者的指靜脈資料及識別金鑰 (例如身份證字號或生日)，以及交易所實質涉及的另一銀行 (下稱為第二銀行) 之銀行代碼，並透過銀行代碼及識別金鑰來加密指靜脈資料。而在第二銀行欲驗證或執行交易時，透過所對應的銀行代碼及識別金鑰，即可再次解密經加密的指靜脈資料，並進一步提供交易授權，以執行後續的交易。因此，其他不論是銀行代碼錯誤的銀行，或是無法取得識別金鑰的銀行，便無法獲得交易授權，也當然沒有執行對應的交易內容的權限。據此，本新型之實施例除了能提供跨行間的金融交易服務之外，更能大幅提升跨行金融交易的安全性及穩定性。In order to solve the above problems, the embodiment of the present invention develops an inter-bank financial transaction system, which can be, for example, a bank (hereinafter referred to as the first bank) which captures the user’s finger vein data and identification keys (such as ID number Or birthday), and the bank code of another bank actually involved in the transaction (hereinafter referred to as the second bank), and the finger vein data is encrypted with the bank code and identification key. When the second bank wants to verify or execute a transaction, it can decrypt the encrypted finger vein data again through the corresponding bank code and identification key, and further provide transaction authorization to execute subsequent transactions. Therefore, no matter whether it is a bank with the wrong bank code or a bank that cannot obtain the identification key, the transaction authorization cannot be obtained, and of course, it is not authorized to execute the corresponding transaction content. Accordingly, the embodiments of the present invention can not only provide inter-bank financial transaction services, but also greatly improve the security and stability of inter-bank financial transactions.

具體而言，本新型之實施例提供一種跨行金融交易系統，其包括了第一銀行裝置及第二銀行裝置。Specifically, an embodiment of the present invention provides an inter-bank financial transaction system, which includes a first banking device and a second banking device.

上述第一銀行裝置包括了擷取模組、第一通訊模組及現金交易模組。上述擷取模組係用以擷取使用者之指靜脈資料、識別金鑰、銀行代碼及交易指令，並提取指靜脈資料之特徵值，以輸出指靜脈特徵值。上述第一通訊模組係用以自擷取模組接收指靜脈特徵值、識別金鑰、銀行代碼及交易指令，並可透過識別金鑰及銀行代碼來加密指靜脈特徵值，以輸出交易指令及經加密的指靜脈特徵值。上述現金交易模組係用以自第一通訊模組接收現金交易授權，並根據現金交易授權來執行現金交易，以輸出現金交易紀錄至第一通訊模組。The above-mentioned first banking device includes a capturing module, a first communication module, and a cash transaction module. The aforementioned capture module is used to capture the user's finger vein data, identification key, bank code, and transaction instruction, and extract the characteristic value of the finger vein data to output the finger vein characteristic value. The above-mentioned first communication module is used to receive the finger vein characteristic value, identification key, bank code and transaction instruction from the capture module, and can encrypt the finger vein characteristic value through the identification key and bank code to output the transaction instruction And the encrypted finger vein feature value. The cash transaction module is used to receive the cash transaction authorization from the first communication module and execute the cash transaction according to the cash transaction authorization to output the cash transaction record to the first communication module.

而上述第二銀行裝置係安裝於第二銀行之計算機內，且通訊連接第一銀行裝置。上述第二銀行裝置則包括了第二通訊模組、資料庫及比對模組。上述第二通訊模組係用以通訊連接第一通訊模組，以自第一通訊模組接收經加密的指靜脈特徵值、交易指令、現金交易授權及現金交易紀錄，並透過識別金鑰及銀行代碼來解密指靜脈特徵值，以輸出經解密的指靜脈特徵值，且輸出現金交易授權及現金交易紀錄。上述資料庫係用以儲存使用者之指靜脈特徵值，且自第二通訊模組接收並儲存現金交易紀錄。上述比對模組係用以通訊連接第二通訊模組及資料庫，以接收並比對儲存在資料庫的指靜脈特徵值與來自第二通訊模組之經解密的指靜脈特徵值，以判斷是否根據交易指令輸出現金交易授權。The above-mentioned second banking device is installed in the computer of the second bank and is communicatively connected to the first banking device. The aforementioned second banking device includes a second communication module, a database, and a comparison module. The above-mentioned second communication module is used to communicate with the first communication module to receive encrypted finger vein characteristic values, transaction instructions, cash transaction authorization and cash transaction records from the first communication module, and use the identification key and The bank code decrypts the finger vein feature value to output the decrypted finger vein feature value, and outputs the cash transaction authorization and cash transaction records. The above-mentioned database is used to store the user's finger vein characteristic value, and receives and stores cash transaction records from the second communication module. The above-mentioned comparison module is used to communicate with the second communication module and the database to receive and compare the finger vein characteristic value stored in the database with the decrypted finger vein characteristic value from the second communication module to Determine whether to output cash transaction authorization according to the transaction instruction.

依據一實施例，當經解密的指靜脈特徵值係判斷為與儲存在資料庫的指靜脈特徵值相符，且交易指令係與現金交易相關時，上述比對模組係用以輸出現金交易授權。According to an embodiment, when the decrypted finger vein characteristic value is judged to be consistent with the finger vein characteristic value stored in the database, and the transaction instruction is related to a cash transaction, the comparison module is used to output the cash transaction authorization .

依據另一實施例，其中上述現金交易模組係根據現金交易紀錄，輸出交易情況通知，以通知使用者關於交易指令之執行情況。According to another embodiment, the above-mentioned cash transaction module outputs a transaction status notification based on the cash transaction record to notify the user about the execution status of the transaction instruction.

依據又一實施例，其中上述現金交易模組更用以接收現金交易紀錄，以供使用者查詢。According to another embodiment, the above-mentioned cash transaction module is further used to receive cash transaction records for users to inquire.

依據又一實施例，其中上述第二銀行裝置還包括非現金交易模組。上述非現金交易模組係用以接收來自比對模組之非現金交易授權，並根據非現金交易授權執行非現金交易，以輸出非現金交易紀錄至第二通訊模組。According to another embodiment, the above-mentioned second banking device further includes a non-cash transaction module. The above non-cash transaction module is used to receive the non-cash transaction authorization from the comparison module and execute the non-cash transaction according to the non-cash transaction authorization to output the non-cash transaction record to the second communication module.

依據又一實施例，其中當經解密的指靜脈特徵值係判斷為與儲存在資料庫的指靜脈特徵值相符，且交易指令係與非現金交易相關時，上述比對模組係用以輸出非現金交易授權。According to another embodiment, when the decrypted finger vein feature value is determined to be consistent with the finger vein feature value stored in the database, and the transaction instruction is related to a non-cash transaction, the comparison module is used to output Non-cash transaction authorization.

依據又一實施例，其中上述第二通訊模組更用以接收並輸出非現金交易紀錄。而上述現金交易模組則更用以接收非現金交易紀錄，以供使用者查詢。According to another embodiment, the above-mentioned second communication module is further used for receiving and outputting non-cash transaction records. The above-mentioned cash transaction module is further used to receive non-cash transaction records for users to inquire.

依據又一實施例，其中上述現金交易模組係用以根據非現金交易紀錄，輸出交易情況通知，以通知使用者關於交易指令之執行情況。According to another embodiment, the above-mentioned cash transaction module is used to output transaction status notifications based on non-cash transaction records to notify users of the execution status of transaction instructions.

依據又一實施例，其中上述現金交易模組係用以根據現金交易紀錄及非現金交易紀錄，輸出交易情況通知，以通知使用者關於交易指令之執行情況。According to another embodiment, the above-mentioned cash transaction module is used to output transaction status notifications based on cash transaction records and non-cash transaction records to notify users of the execution status of transaction instructions.

依據又一實施例，其中上述擷取模組係圖像化指靜脈資料為指靜脈圖像，以提取指靜脈圖像之指靜脈特徵值。According to another embodiment, the above-mentioned capturing module is to image the finger vein data as a finger vein image to extract the finger vein feature value of the finger vein image.

綜合上述技術特徵，本新型之實施例因而具有以下功效：Based on the above technical features, the embodiments of the present invention have the following effects:

(1) 相對於其他種生物辨識技術來說，指靜脈資料具有獨特性更高、不可取代性更高、可辨識程度更穩定且重測信效度也高的優點。因此，本新型之實施例透過擷取使用者的指靜脈資料之技術，來改良傳統僅須經密碼鍵入的安控機制，因而能有效提升使用者在金融交易上的安全，更能避免使用者暴露在高風險的金融交易環境下。(1) Compared with other kinds of biometric technology, finger vein data has the advantages of higher uniqueness, higher irreplaceability, more stable recognizability, and higher reliability and validity of retest. Therefore, the embodiment of the present invention improves the traditional security control mechanism that only needs to be entered by a password through the technology of capturing the user's finger vein data, thereby effectively improving the security of the user in financial transactions and avoiding the user Exposure to a high-risk financial transaction environment.

(2) 除了導入指靜脈資料的技術之外，本新型之實施例更要求使用者輸入銀行代碼及識別金鑰，以進一步加密指靜脈資料。因此，本新型之實施例更不僅僅要求須通過指靜脈資料的辨識授權，還需要有特定的銀行代碼及識別金鑰，才能經解密後取得指靜脈資料。本新型之實施例也因而又更加提升使用者在金融交易上的安全，更能避免使用者暴露在高風險的金融交易環境下。(2) In addition to the technology of importing finger vein data, the embodiment of the present invention further requires the user to enter the bank code and identification key to further encrypt the finger vein data. Therefore, the embodiment of the present invention not only requires the identification and authorization of finger vein data, but also requires a specific bank code and identification key to obtain the finger vein data after decryption. The embodiments of the present invention therefore further enhance the safety of users in financial transactions, and can prevent users from being exposed to high-risk financial transaction environments.

(3) 此外，使用者在進行跨行的現金交易時，第二銀行 (亦即他行) 可透過其銀行代碼及識別交易，針對使用者的現金交易進行授權。因此，本新型之實施例可提供在第一銀行 (亦即本行，或即使用者所在地) 執行現金交易，並即時做成現金交易紀錄，快速通知使用者及第二銀行，而不限於僅能完成第一銀行內部的現金交易，確實能達到相當的交易便利性。(3) In addition, when the user conducts inter-bank cash transactions, the second bank (that is, another bank) can use its bank code and identification transaction to authorize the user's cash transaction. Therefore, the embodiments of the present invention can provide cash transactions to be executed at the first bank (that is, the bank, or where the user is located), and the cash transaction record is made in real time, and the user and the second bank are quickly notified, and not limited to only The ability to complete cash transactions within the First Bank can indeed achieve considerable transaction convenience.

(4) 另外，使用者在進行跨行的非現金交易時，第二銀行 (亦即他行) 可透過其銀行代碼及識別交易，針對使用者的非現金交易直接進行授權及交易。因此，本新型之實施例可提供在第一銀行 (亦即本行，或即使用者所在地) 執行非現金交易，並即時做成非現金交易紀錄，快速通知使用者，而不限於僅能完成第一銀行內部的非現金交易，確實能達到相當的交易便利性。(4) In addition, when a user conducts non-cash transactions across banks, the second bank (that is, another bank) can use its bank code and identify the transaction to directly authorize and transact the user's non-cash transaction. Therefore, the embodiment of the present invention can provide non-cash transactions to be executed at the first bank (ie the bank, or where the user is located), and the non-cash transaction records can be made in real time, and the user can be notified quickly, and not limited to only being able to complete The non-cash transactions within Bank One can indeed achieve considerable transaction convenience.

有鑑於上述待克服的問題，本新型之實施例發展出一種跨行金融交易系統，其係基於在第一銀行 (亦即他行，或即使用者所在地) 擷取使用者的指靜脈資料，且輔以使用者的識別金鑰及交易銀行 (亦即他行，下稱為第二銀行) 的銀行代碼，來加密經辨識後的指靜脈資料。第二銀行在執行授權交易或執行其直接相關交易時，透過第二銀行的銀行代碼及使用者開戶時所提供的識別金鑰，即可快速地解密並取得指靜脈資料，以進一步取得無論是現金交易的授權，或是非現金交易的直接授權及交易，並藉此完成對應的交易內容，確實能保障使用者在跨銀行間的金融交易安全。In view of the above-mentioned problems to be overcome, the embodiment of the present invention develops an inter-bank financial transaction system, which is based on the first bank (that is, another bank, or the location of the user) to retrieve the user's finger vein data, and The identification key of the user and the bank code of the transaction bank (also referred to as the second bank hereinafter) are supplemented to encrypt the identified finger vein data. When the second bank executes authorized transactions or executes its directly related transactions, through the bank code of the second bank and the identification key provided by the user when opening an account, it can quickly decrypt and obtain finger vein data to further obtain whether it is The authorization of cash transactions, or the direct authorization and transactions of non-cash transactions, and the completion of the corresponding transaction content, can indeed ensure the safety of users' financial transactions across banks.

為更具體說明本新型之各實施例，以下輔以附圖進行說明。In order to more specifically illustrate the various embodiments of the present invention, the following description is supplemented with the accompanying drawings.

本新型之實施例僅以二個銀行端為例進行以下說明，但應理解的是，雖本新型之實施例以二個銀行端為例進行說明，但本新型之跨行金融交易係可涵蓋二個或二個以上的銀行端之間的金融交易，而並不以二個銀行端為限。而本新型以下所述的二個銀行端，可區分為第一銀行端及第二銀行端。第一銀行端可為使用者所在地的端點，而使用者僅需在第一銀行端，透過本新型之實施例即能取得第二銀行端 (亦即他行) 的帳戶資料或對應的交易授權，進而完成涉及第二銀行端的金融交易。The embodiment of the present invention only takes two bank terminals as an example for the following description, but it should be understood that although the embodiment of the present invention takes two bank terminals as an example, the inter-bank financial transaction system of the present invention can cover two Financial transactions between one or more banks, but not limited to two banks. The two bank terminals described in the following of the present invention can be divided into the first bank terminal and the second bank terminal. The first bank terminal can be the end point where the user is located, and the user only needs to be at the first bank terminal through the embodiment of the present invention to obtain the account information of the second bank terminal (that is, another bank) or the corresponding transaction Authorize to complete financial transactions involving the second bank.

以下先透過根據一實施例的跨行金融交易方法來說明。請參閱圖1，圖1所繪為根據本新型之一實施例之一種跨行金融交易方法100之流程圖。The following first describes the inter-bank financial transaction method according to an embodiment. Please refer to FIG. 1. FIG. 1 is a flowchart of an inter-bank financial transaction method 100 according to an embodiment of the present invention.

首先，如步驟110，使用者於第一銀行端提供可對應到使用者的指靜脈 (palmar digital veins) 資料、識別金鑰、第二銀行端的銀行代碼，以及所欲進行的交易指令，以供第一銀行端擷取指靜脈資料、識別金鑰、銀行代碼以及交易指令。First, in step 110, the user provides palm digital veins (palmar digital veins) data corresponding to the user, identification key, bank code of the second bank, and desired transaction instructions on the first bank. The first bank terminal retrieves finger vein data, identification keys, bank codes, and transaction instructions.

指靜脈資料係指手指端的靜脈之分布圖像，而指靜脈可包括指掌側固有靜脈 (proper palmar digital veins) 及指掌側總靜脈 (common palmar digital veins)。指靜脈資料例如可藉由特定波長的光線 (例如700-1000 nm 的近紅外線) 來照射手指端，以使手指端之靜脈中的紅血球吸收特定波長的光線，而降低手指端之靜脈部分的透射率。此時，若再輔以例如指靜脈擷取單元來拍照擷取，靜脈部分的圖像顯示就會較為明顯，而相對地弱化了肌肉、骨骼或其他部分的圖像顯示，即能藉此取得清晰的手指靜脈血管圖像。Finger vein data refers to the distribution image of the veins at the end of the finger, and the finger veins can include proper palmar digital veins and common palmar digital veins. For example, finger vein data can be irradiated with light of a specific wavelength (for example, near infrared rays of 700-1000 nm), so that the red blood cells in the vein of the finger can absorb light of a specific wavelength, thereby reducing the transmission of the vein part of the finger. rate. At this time, if supplemented with, for example, a finger vein capture unit to take photos and capture, the image display of the vein part will be more obvious, while the image display of the muscle, bone or other parts is relatively weakened, which can be used to obtain Clear image of finger veins.

識別金鑰係可為使用者的身份證字號、出生年月日、存摺帳號或其他可供辨識使用者身份之資料，且識別金鑰可為上述資料的任意組合或排列，並不加以為限；舉例來說，識別金鑰可為出生年月日 (例如19901001)、身份證字號 (例如A123456789)、出生年月日加上身份證字號 (例如19901001-A123456789)，或身份證字號加上出生年月日(例如A123456789-19901001) 等。The identification key can be the user’s ID number, date of birth, passbook account number, or other information that can be used to identify the user, and the identification key can be any combination or arrangement of the above data, and is not limited ; For example, the identification key can be the date of birth (such as 19901001), ID number (such as A123456789), date of birth plus ID number (such as 19901001-A123456789), or ID number plus birth Year, month and day (for example, A123456789-19901001), etc.

銀行代碼係指第二銀行之對應金融機構的代碼，以臺灣現行的銀行代碼為例，臺灣銀行之銀行代碼為005、華南銀行之銀行代碼為008、中國信託之銀行代碼為825，但不加以限制，而可為其他形式的銀行代碼，例如0006或A005等。The bank code refers to the code of the corresponding financial institution of the Second Bank. Taking the current bank code in Taiwan as an example, the bank code of Bank of Taiwan is 005, the bank code of Huanan Bank is 008, and the bank code of China Trust is 825, but not Limit, but can be other forms of bank code, such as 0006 or A005.

交易指令則包括了使用者所欲進行的交易內容，以在取得第二銀行的授權後，根據使用者的帳戶資料來執行所欲完成的交易內容。而交易內容可包括現金交易及非現金交易，現金交易例如可為提款、現金存款、現金繳費/稅、***預借現金或現金捐款等，非現金交易例如可為轉帳或餘額查詢等。The transaction instruction includes the content of the transaction that the user wants to perform, so that after obtaining the authorization of the second bank, the transaction content to be completed can be executed according to the user's account data. The transaction content can include cash transactions and non-cash transactions. The cash transactions can be withdrawals, cash deposits, cash payment/tax, credit card advance cash or cash donations, etc., and non-cash transactions can be transfers or balance inquiries, for example.

接著，如步驟120，第一銀行端例如可為圖像化指靜脈資料，以在擷取指靜脈資料後，進一步提取例如指靜脈之血管圖像中的指靜脈特徵值，並編碼指靜脈特徵值。Then, in step 120, the first bank terminal may be, for example, imaged finger vein data, so that after the finger vein data is captured, the finger vein feature value in the blood vessel image, such as the finger vein, is further extracted, and the finger vein feature is encoded value.

接著，如步驟130，第一銀行端再透過例如對稱密鑰演算法 (symmetric-key algorithm)，並根據由使用者所提供的識別金鑰及銀行代碼來加密經編碼的指靜脈特徵值。換句話說，若須再解密以取得指靜脈特徵值，則需透過同樣的識別金鑰及銀行代碼來解密，才能取得。接著，第一銀行端輸出使用者的交易指令及其經加密的指靜脈特徵值。Then, in step 130, the first bank uses, for example, a symmetric-key algorithm, and encrypts the encoded finger vein feature value according to the identification key and bank code provided by the user. In other words, if you need to decrypt again to obtain the finger vein characteristic value, you need to decrypt it with the same identification key and bank code to get it. Then, the first bank terminal outputs the user's transaction instruction and its encrypted finger vein characteristic value.

接著，如步驟140，第二銀行端在接收來自第一銀行端的交易指令及經加密的指靜脈特徵值後，需先透過使用者的識別金鑰及第二銀行的銀行代碼來解密經加密的指靜脈特徵值，才能進一步取得擷取權限，來擷取使用者儲存在第二銀行端之資料庫中的帳戶資料。Then, in step 140, after receiving the transaction instruction and the encrypted finger vein characteristic value from the first bank, the second bank needs to decrypt the encrypted using the user’s identification key and the bank code of the second bank. Finger vein feature values can be used to obtain retrieval permissions to retrieve user account data stored in the database of the second bank terminal.

接著，如步驟150，第二銀行端在解密經加密的指靜脈特徵值後，需進一步擷取使用者儲存在第二銀行端之資料庫中的指靜脈特徵值，來比對經解密的指靜脈特徵值與資料庫中的指靜脈特徵值，並判斷上述二指靜脈特徵值是否相符。判斷標準例如可為二指靜脈特徵值是否達90%以上的相似度；換句話說，於此判斷標準之下，當二指靜脈特徵值之相似度為95%時，即判斷二指靜脈特徵值為相符，或者當二指靜脈特徵值之相似度為70%時，即判斷二指靜脈特徵值為不相符。Then, in step 150, after decrypting the encrypted finger vein characteristic value, the second bank terminal needs to further retrieve the finger vein characteristic value stored in the database of the second bank terminal by the user to compare the decrypted finger vein characteristic value. Vein feature value and finger vein feature value in the database, and judge whether the above two finger vein feature values match. The judgment criterion can be, for example, whether the feature value of the two finger veins is more than 90% similar; in other words, under this judgment standard, when the similarity of the two finger vein feature values is 95%, the two finger vein characteristics are judged When the value of the two-finger vein feature value is consistent, or when the similarity of the two-finger vein feature value is 70%, it is judged that the two-finger vein feature value is not consistent.

接著，如步驟151，當第二銀行端判斷經解密的指靜脈特徵值與資料庫中的指靜脈特徵值為不相符時，則拒絕後續的交易授權，而無法取得無論是現金交易授權或非現金交易授權，並結束跨行金融交易方法。Then, in step 151, when the second bank determines that the decrypted finger vein feature value does not match the finger vein feature value in the database, it rejects the subsequent transaction authorization and cannot obtain whether it is a cash transaction authorization or non-compliance. Cash transaction authorization and end of inter-bank financial transaction method.

或者，如步驟152，當第二銀行端判斷經解密的指靜脈特徵值與資料庫中的指靜脈特徵值為相符時，第二銀行端即能取得擷取權限，來擷取使用者儲存在第二銀行端之資料庫中的帳戶資料，以授權或完成交易指令中使用者所欲執行的交易內容。Or, in step 152, when the second bank side determines that the decrypted finger vein feature value matches the finger vein feature value in the database, the second bank side can obtain the retrieval permission to retrieve the user's The account data in the database of the second bank terminal is used to authorize or complete the transaction content that the user wants to execute in the transaction instruction.

[[ 現金交易Cash transaction ]]

例如，在步驟153中，當使用者的交易指令係與現金交易相關時 (例如提款，且提款金額為5,000元)，則第二銀行端可確認使用者於第二銀行端之帳戶餘額是否仍充足。又例如，當帳戶餘額扣除提款金額後仍為充足時，第二銀行端則例如輸出「允許提款金額5,000元」之現金交易授權；相對地，當帳戶餘額扣除提款金額後將會不足時，第二銀行端則例如輸出「不允許提款金額5,000元」之現金交易授權。For example, in step 153, when the user's transaction instruction is related to a cash transaction (for example, withdrawal, and the withdrawal amount is 5,000 yuan), the second bank terminal can confirm the user's account balance at the second bank terminal Is it still sufficient. For another example, when the account balance is still sufficient after deducting the withdrawal amount, the second bank will output a cash transaction authorization of "allowed withdrawal amount of 5,000 yuan"; on the contrary, when the account balance is deducted from the withdrawal amount, it will be insufficient At the time, the second bank terminal, for example, outputs a cash transaction authorization of "Withdrawal amount of 5,000 yuan is not allowed".

接著，如步驟154，第一銀行端在接收到現金交易授權後，即取得執行對應現金交易授權的交易內容，並可在執行交易內容後，輸出現金交易紀錄，以供使用者、第一銀行端或第二銀行端留存紀錄，也可供隨時查詢現金交易紀錄。Then, in step 154, after receiving the cash transaction authorization, the first bank obtains the transaction content for executing the corresponding cash transaction authorization, and can output the cash transaction record after executing the transaction content for the user and the first bank Records are kept at the end or the second bank end, and cash transaction records can also be inquired at any time.

[[ 非現金交易Non-cash transaction ]]

例如，在步驟155中，當使用者的交易指令係與非現金交易相關時 (例如轉帳至玉山銀行，且轉帳金額為5,000元)，則第二銀行端可確認使用者於第二銀行端之帳戶餘額是否仍充足。又例如，當帳戶餘額扣除轉帳金額後仍為充足時，第二銀行端則例如輸出「允許轉帳金額5,000元至玉山銀行」之非現金交易授權；相對地，當帳戶餘額扣除轉帳金額後將會明顯不足時，第二銀行端則例如輸出「不允許轉帳金額5,000元至玉山銀行」之非現金交易授權。For example, in step 155, when the user's transaction instruction is related to a non-cash transaction (for example, transfer to Yushan Bank, and the transfer amount is 5,000 yuan), the second bank can confirm that the user Whether the account balance is still sufficient. For another example, when the account balance is still sufficient after deducting the transfer amount, the second bank will output a non-cash transaction authorization of "allowed transfer amount of 5,000 yuan to Yushan Bank"; in contrast, when the account balance is deducted from the transfer amount, it will be When it is obviously insufficient, the second bank will output a non-cash transaction authorization of "No transfer amount of 5,000 yuan to Yushan Bank", for example.

接著，如步驟156，第二銀行端即可直接根據非現金交易授權，即取得執行對應非現金交易授權的交易內容，並可在執行交易內容後，輸出非現金交易紀錄，以供使用者、第一銀行端或第二銀行端留存紀錄，也可供隨時查詢非現金交易紀錄。Then, in step 156, the second bank can directly obtain the transaction content for executing the corresponding non-cash transaction authorization according to the non-cash transaction authorization, and can output the non-cash transaction record after the transaction content is executed for the user, Records are kept on the first bank or the second bank, and non-cash transaction records can also be inquired at any time.

除了上述跨行金融交易方法之外，本新型之另一實施例更提供了一種跨行金融交易系統。請參閱圖2，圖2所繪為根據本新型之一實施例之一種跨行金融交易系統200之示意圖。在圖2中，依據一實施例，更提供了一種跨行金融交易系統200，包括第一銀行裝置210及第二銀行裝置220。In addition to the above-mentioned inter-bank financial transaction method, another embodiment of the present invention further provides an inter-bank financial transaction system. Please refer to FIG. 2, which is a schematic diagram of an inter-bank financial transaction system 200 according to an embodiment of the present invention. In FIG. 2, according to an embodiment, an inter-bank financial transaction system 200 is further provided, which includes a first banking device 210 and a second banking device 220.

[[ 現金交易Cash transaction ]]

第一銀行裝置210可對應至上述的第一銀行端，也就是說，第一銀行裝置210可設置在使用者300之所在地。第一銀行裝置210包括擷取模組211、第一通訊模組212及現金交易模組213。擷取模組211係可安裝在第一銀行端的計算機內，且用以在使用者300透過第一銀行裝置210進行跨行現金交易時，擷取使用者300的指靜脈資料、識別金鑰、銀行代碼及交易指令，並例如圖像化指靜脈資料為一指靜脈圖像，以進一步提取經圖像化之指靜脈資料 (亦即指靜脈圖像) 的特徵值，以輸出指靜脈特徵值。依據一實施例，上述指靜脈特徵值在輸出前，可先經擷取模組211編碼。而其他的詳細內容皆可自前述類推，在此不再贅述。The first banking device 210 can correspond to the aforementioned first banking terminal, that is, the first banking device 210 can be installed at the location of the user 300. The first banking device 210 includes a capturing module 211, a first communication module 212, and a cash transaction module 213. The capture module 211 can be installed in the computer of the first bank terminal, and is used to capture the finger vein data, identification key, and bank of the user 300 when the user 300 conducts an inter-bank cash transaction through the first bank device 210 Codes and transaction instructions, and, for example, the imaged finger vein data is a finger vein image to further extract the feature value of the imaged finger vein data (ie, finger vein image) to output the finger vein feature value. According to an embodiment, the above-mentioned finger vein characteristic value may be encoded by the capturing module 211 before being output. The other details can be deduced from the foregoing and will not be repeated here.

第一通訊模組212係可安裝在第一銀行端的計算機內，且用以通訊連接擷取模組211，並在使用者300透過第一銀行裝置210進行跨行現金交易時，接收來自擷取模組211之指靜脈特徵值、識別金鑰、銀行代碼及交易指令，以透過識別金鑰及銀行代碼來加密指靜脈特徵值或經編碼的指靜脈特徵值，且一併輸出交易指令及經加密的指靜脈特徵值。The first communication module 212 can be installed in the computer of the first bank, and is used to communicate with the capture module 211, and when the user 300 conducts an inter-bank cash transaction through the first banking device 210, it receives data from the capture module. The finger vein feature value, identification key, bank code, and transaction instruction of group 211 are used to encrypt the finger vein feature value or the encoded finger vein feature value through the identification key and bank code, and the transaction instruction is output and encrypted together The characteristic value of the finger vein.

而現金交易模組213則係用以通訊連接第一通訊模組212，詳細容待後述。而其他的詳細內容皆可自前述類推，在此不再贅述。The cash transaction module 213 is used to communicate with the first communication module 212, which will be described in detail later. The other details can be deduced from the foregoing and will not be repeated here.

第二銀行裝置220則可對應至使用者300之跨行金融交易所涉及到的他行 (亦即如前述的第二銀行端)，也就是說，使用者300係透過第一銀行裝置210來取得涉及到第二銀行端的交易所需資料。因此，第二銀行裝置220實質上無須設置在使用者300之所在地。第二銀行裝置220係可安裝在第二銀行端的計算機內，且通訊連接第一銀行裝置210，第二銀行裝置220包括第二通訊模組221、資料庫223及比對模組222。The second banking device 220 can correspond to the other bank involved in the inter-bank financial transaction of the user 300 (that is, the aforementioned second bank terminal), that is, the user 300 obtains it through the first banking device 210 Information required for transactions involving the second bank terminal. Therefore, the second banking device 220 does not need to be installed at the location of the user 300 substantially. The second banking device 220 can be installed in the computer of the second bank terminal and is communicatively connected to the first banking device 210. The second banking device 220 includes a second communication module 221, a database 223 and a comparison module 222.

第二通訊模組221係用以在使用者300透過第一銀行裝置210進行跨行現金交易時，接收交易指令及經加密的指靜脈特徵值，以透過識別金鑰及銀行代碼來解密指靜脈特徵值，並輸出經解密的指靜脈特徵值。而其他的詳細內容皆可自前述類推，在此不再贅述。The second communication module 221 is used to receive the transaction instruction and the encrypted finger vein feature value when the user 300 performs an inter-bank cash transaction through the first banking device 210, and decrypt the finger vein feature through the identification key and bank code Value, and output the decrypted finger vein feature value. The other details can be deduced from the foregoing and will not be repeated here.

資料庫223則係儲存使用者300之指靜脈特徵值，上述指靜脈特徵值可為使用者300於第二銀行端申請帳戶時所提供之建檔資料，或於第二銀行端非申請帳戶時所提供之更新資料。而其他的詳細內容皆可自前述類推，在此不再贅述。The database 223 stores the finger vein characteristic value of the user 300. The finger vein characteristic value can be the file data provided by the user 300 when applying for an account at the second bank, or when not applying for an account at the second bank. The updated information provided. The other details can be deduced from the foregoing and will not be repeated here.

比對模組222則係用以通訊連接第二通訊模組221及資料庫223，並在使用者300透過第一銀行裝置210進行跨行現金交易時，比對模組222接收並比對儲存在資料庫223的指靜脈特徵值與經解密的指靜脈特徵值，以判斷是否根據交易指令輸出現金交易授權。例如，當經解密的指靜脈特徵值係經比對模組222判斷為與儲存在資料庫222的指靜脈特徵值相符，且交易指令係與現金交易相關 (例如提款) 時，比對模組222則用以輸出現金交易授權至第一通訊模組212及現金交易模組213，以供現金交易模組213根據現金交易授權執行現金交易。而其他的詳細內容皆可自前述類推，在此不再贅述。The comparison module 222 is used to communicate with the second communication module 221 and the database 223, and when the user 300 conducts an inter-bank cash transaction through the first banking device 210, the comparison module 222 receives and compares and stores it in The finger vein characteristic value and the decrypted finger vein characteristic value of the database 223 are used to determine whether to output the cash transaction authorization according to the transaction instruction. For example, when the decrypted finger vein feature value is determined by the comparison module 222 to match the finger vein feature value stored in the database 222, and the transaction instruction is related to a cash transaction (such as withdrawal), the comparison module The group 222 is used to output the cash transaction authorization to the first communication module 212 and the cash transaction module 213 for the cash transaction module 213 to execute the cash transaction according to the cash transaction authorization. The other details can be deduced from the foregoing and will not be repeated here.

現金交易模組213在接收現金交易授權後，係用以根據現金交易授權執行之對應的現金交易，並在執行現金交易後，輸出現金交易紀錄至第一通訊模組212，以反映現金交易情況。依據一實施例，現金交易模組213更根據來自第一通訊模組212之現金交易紀錄，輸出交易情況通知，以通知使用者300關於現金交易之執行情況，或可供使用者300查詢現金交易紀錄。而其他的詳細內容皆可自前述類推，在此不再贅述。After receiving the cash transaction authorization, the cash transaction module 213 is used to execute the corresponding cash transaction according to the cash transaction authorization, and after executing the cash transaction, it outputs the cash transaction record to the first communication module 212 to reflect the cash transaction situation . According to an embodiment, the cash transaction module 213 further outputs a transaction status notification based on the cash transaction record from the first communication module 212 to notify the user 300 about the execution status of the cash transaction, or allow the user 300 to inquire about the cash transaction Record. The other details can be deduced from the foregoing and will not be repeated here.

[[ 非現金交易Non-cash transaction ]]

依據另一實施例，第二銀行裝置220更包括非現金交易模組224，且非現金交易模組224通訊連接資料庫223及第二通訊模組221。比對模組222則係用以通訊連接第二通訊模組221、資料庫223及非現金交易模組224，並在使用者300透過第一銀行裝置210進行跨行非現金交易時，比對模組222接收並比對儲存在資料庫223的指靜脈特徵值與經解密的指靜脈特徵值，以判斷是否根據交易指令輸出非現金交易授權。例如，當經解密的指靜脈特徵值係經比對模組222判斷為與儲存在資料庫222的指靜脈特徵值相符，且交易指令係與非現金交易相關 (例如轉帳) 時，比對模組222則用以輸出非現金交易授權至非現金交易模組224，以供非現金交易模組224根據非現金交易授權執行非現金交易。According to another embodiment, the second banking device 220 further includes a non-cash transaction module 224, and the non-cash transaction module 224 is in communication with the database 223 and the second communication module 221. The comparison module 222 is used to communicate with the second communication module 221, the database 223, and the non-cash transaction module 224. When the user 300 performs an inter-bank non-cash transaction through the first banking device 210, the comparison module The group 222 receives and compares the finger vein characteristic value stored in the database 223 with the decrypted finger vein characteristic value to determine whether to output a non-cash transaction authorization according to the transaction instruction. For example, when the decrypted finger vein feature value is determined by the comparison module 222 to match the finger vein feature value stored in the database 222, and the transaction instruction is related to a non-cash transaction (such as a transfer), the comparison module The group 222 is used to output the non-cash transaction authorization to the non-cash transaction module 224 for the non-cash transaction module 224 to execute the non-cash transaction according to the non-cash transaction authorization.

非現金交易模組224在接收非現金交易授權後，係用以根據非現金交易授權執行之對應的非現金交易，並在執行非現金交易後，輸出非現金交易紀錄至第二通訊模組221及資料庫223，以反映非現金交易情況。依據一實施例，現金交易模組213更根據來自第一通訊模組212之非現金交易紀錄，輸出交易情況通知，以通知使用者300關於非現金交易之執行情況，或可供使用者300查詢非現金交易紀錄。After receiving the non-cash transaction authorization, the non-cash transaction module 224 is used to execute the corresponding non-cash transaction according to the non-cash transaction authorization, and after executing the non-cash transaction, output the non-cash transaction record to the second communication module 221 And database 223 to reflect the situation of non-cash transactions. According to one embodiment, the cash transaction module 213 further outputs a transaction status notification based on the non-cash transaction record from the first communication module 212 to notify the user 300 about the execution status of the non-cash transaction, or can be used by the user 300 for inquiries Records of non-cash transactions.

綜合上述實施例的跨行金融交易系統及其方法，本新型除了採用指靜脈資料的辨識技術之外，更因導入交易銀行之銀行代碼、使用者唯一專屬的識別金鑰，而可排除任何只要不具備任一指靜脈資料、銀行代碼或識別金鑰之有心人士，欲透過本新型去竊取或挪用使用者的跨行帳款之風險。因此，本案除了可降低使用者在金融交易上的風險之外，更能提供安全、便利且為跨行間完整涵蓋現金及非現金的金融交易服務平台。Integrating the inter-bank financial transaction system and method of the above-mentioned embodiments, in addition to the identification technology of finger vein data, the new model also uses the bank code of the transaction bank and the unique identification key of the user, which can exclude any information as long as it does not. Those who have any finger vein data, bank code or identification key want to use the present invention to steal or embezzle the user's inter-bank account risk. Therefore, in addition to reducing the risk of users in financial transactions, this case can provide a safe, convenient and complete inter-bank financial transaction service platform that covers both cash and non-cash.

本新型在本文中僅以較佳實施例揭露，然任何熟習本技術領域者應能理解的是，上述實施例僅用於描述本新型，並非用以限定本新型所主張之專利權利範圍。舉凡與上述實施例均等或等效之變化或置換，皆應解讀為涵蓋於本新型之精神或範疇內。因此，本新型之保護範圍應以下述之申請專利範圍所界定者為準。The present invention is disclosed in the preferred embodiments in this text. However, anyone familiar with the technical field should understand that the above-mentioned embodiments are only used to describe the present invention and are not intended to limit the scope of the patent rights claimed by the present invention. Any changes or substitutions that are equal or equivalent to the above-mentioned embodiments should be interpreted as being covered by the spirit or scope of the present invention. Therefore, the scope of protection of this new model shall be subject to the scope of the following patent applications.

100:跨行金融交易方法 110-150、151-156:步驟 200:跨行金融交易系統 210:第一銀行裝置 211:擷取模組 212:第一通訊模組 213:現金交易模組 220:第二銀行裝置 221:第二通訊模組 222:比對模組 223:資料庫 224:非現金交易模組 300:使用者 100: Interbank financial transaction methods 110-150, 151-156: steps 200: Interbank financial transaction system 210: The first bank device 211: Capture Module 212: The first communication module 213: Cash Transaction Module 220: Second Banking Device 221: The second communication module 222: Comparison module 223: database 224: Non-cash transaction module 300: User

為讓本新型之上述和其他目的、特徵、優點與實施例能更明顯易懂，所附附圖之說明如下：圖1所繪為根據本新型之一實施例之一種跨行金融交易方法之流程圖。圖2所繪為根據本新型之一實施例之一種跨行金融交易系統之示意圖。 In order to make the above and other objectives, features, advantages and embodiments of the present invention more comprehensible, the description of the attached drawings is as follows: Fig. 1 is a flowchart of an inter-bank financial transaction method according to an embodiment of the present invention. FIG. 2 is a schematic diagram of an inter-bank financial transaction system according to an embodiment of the present invention.

200:跨行金融交易系統 200: Interbank financial transaction system

210:第一銀行裝置 210: The first bank device

211:擷取模組 211: Capture Module

212:第一通訊模組 212: The first communication module

213:現金交易模組 213: Cash Transaction Module

220:第二銀行裝置 220: Second Banking Device

221:第二通訊模組 221: The second communication module

222:比對模組 222: Comparison module

223:資料庫 223: database

224:非現金交易模組 224: Non-cash transaction module

300:使用者 300: User

Claims

一種跨行金融交易系統，包括：一第一銀行裝置，包括：一擷取模組，擷取一使用者之一指靜脈資料、一識別金鑰、一銀行代碼及一交易指令，並提取該指靜脈資料之特徵值，以輸出一指靜脈特徵值；一第一通訊模組，自該擷取模組接收該指靜脈特徵值、該識別金鑰、該銀行代碼及該交易指令，並透過該識別金鑰及該銀行代碼，加密該指靜脈特徵值，以輸出該交易指令及經加密的該指靜脈特徵值；以及一現金交易模組，自該第一通訊模組接收一現金交易授權，並根據該現金交易授權執行現金交易，以輸出該現金交易紀錄至該第一通訊模組；以及一第二銀行裝置，安裝於該第二銀行之計算機內，且通訊連接該第一銀行裝置，該第二銀行裝置包括：一第二通訊模組，通訊連接該第一通訊模組，自該第一通訊模組接收經加密的該指靜脈特徵值、該交易指令、該現金交易授權及該現金交易紀錄，並透過該識別金鑰及該銀行代碼，解密該指靜脈特徵值，以輸出經解密的該指靜脈特徵值，且輸出該現金交易授權及該現金交易紀錄；一資料庫，儲存該使用者之該指靜脈特徵值，且自該第二通訊模組接收並儲存該現金交易紀錄；以及一比對模組，接收並比對儲存在該資料庫的該指靜脈特徵值與來自該第二通訊模組之經解密的該指靜脈特徵值，以判斷是否根據該交易指令輸出該現金交易授權。 An inter-bank financial transaction system, including: A first banking device, including: A capturing module, capturing a finger vein data of a user, an identification key, a bank code and a transaction instruction, and extracting the characteristic value of the finger vein data to output a finger vein characteristic value; A first communication module that receives the finger vein characteristic value, the identification key, the bank code, and the transaction instruction from the capture module, and encrypts the finger vein characteristic value through the identification key and the bank code To output the transaction instruction and the encrypted finger vein characteristic value; and A cash transaction module that receives a cash transaction authorization from the first communication module, and executes the cash transaction according to the cash transaction authorization to output the cash transaction record to the first communication module; and A second banking device installed in the computer of the second bank and communicatively connected to the first banking device. The second banking device includes: A second communication module, which is communicatively connected to the first communication module, receives the encrypted finger vein characteristic value, the transaction instruction, the cash transaction authorization, and the cash transaction record from the first communication module, and transmits it through the Identify the key and the bank code, decrypt the finger vein characteristic value, to output the decrypted finger vein characteristic value, and output the cash transaction authorization and the cash transaction record; A database storing the finger vein characteristic value of the user, and receiving and storing the cash transaction record from the second communication module; and A comparison module receives and compares the finger vein characteristic value stored in the database with the decrypted finger vein characteristic value from the second communication module to determine whether to output the cash transaction according to the transaction instruction Authorization.

如請求項1所述之跨行金融交易系統，其中該比對模組輸出該現金交易授權，當經解密的該指靜脈特徵值係判斷為與儲存在該資料庫的該指靜脈特徵值相符，且該交易指令係與現金交易相關時。The inter-bank financial transaction system according to claim 1, wherein the comparison module outputs the cash transaction authorization, when the decrypted finger vein characteristic value is judged to be consistent with the finger vein characteristic value stored in the database, And the transaction instruction is related to cash transactions.

如請求項1所述之跨行金融交易系統，其中該現金交易模組根據該現金交易紀錄，輸出一交易情況通知，以通知該使用者該交易指令之執行情況。According to the inter-bank financial transaction system of claim 1, wherein the cash transaction module outputs a transaction status notification based on the cash transaction record to notify the user of the execution status of the transaction instruction.

如請求項1所述之跨行金融交易系統，其中該現金交易模組更接收該現金交易紀錄，以供該使用者查詢。The inter-bank financial transaction system according to claim 1, wherein the cash transaction module further receives the cash transaction record for the user to inquire.

如請求項1所述之跨行金融交易系統，其中該第二銀行裝置更包括一非現金交易模組，接收來自該比對模組之一非現金交易授權，並根據該非現金交易授權執行非現金交易，以輸出該非現金交易紀錄至該第二通訊模組。The inter-bank financial transaction system according to claim 1, wherein the second banking device further includes a non-cash transaction module, receives a non-cash transaction authorization from the comparison module, and executes the non-cash transaction authorization according to the non-cash transaction authorization Transaction to output the non-cash transaction record to the second communication module.

如請求項4所述之跨行金融交易系統，其中該比對模組輸出該非現金交易授權，當經解密的該指靜脈特徵值係判斷為與儲存在該資料庫的該指靜脈特徵值相符，且該交易指令係與非現金交易相關時。The inter-bank financial transaction system according to claim 4, wherein the comparison module outputs the non-cash transaction authorization, when the decrypted finger vein characteristic value is judged to be consistent with the finger vein characteristic value stored in the database, And the transaction instruction is related to non-cash transactions.

如請求項6所述之跨行金融交易系統，其中：該第二通訊模組更接收並輸出該非現金交易紀錄；以及該現金交易模組更接收該非現金交易紀錄，以供該使用者查詢。 The inter-bank financial transaction system described in claim 6, in which: The second communication module further receives and outputs the non-cash transaction record; and The cash transaction module further receives the non-cash transaction record for the user to inquire.

如請求項7所述之跨行金融交易系統，其中該現金交易模組根據該非現金交易紀錄，輸出一交易情況通知，以通知該使用者該交易指令之執行情況。According to the inter-bank financial transaction system of claim 7, wherein the cash transaction module outputs a transaction status notification based on the non-cash transaction record to notify the user of the execution status of the transaction instruction.

如請求項7所述之跨行金融交易系統，其中該現金交易模組根據該現金交易紀錄及該非現金交易紀錄，輸出一交易情況通知，以通知該使用者該交易指令之執行情況。According to the inter-bank financial transaction system of claim 7, wherein the cash transaction module outputs a transaction status notification based on the cash transaction record and the non-cash transaction record to notify the user of the execution status of the transaction instruction.

如請求項1所述之跨行金融交易系統，其中該擷取模組係圖像化該指靜脈資料為一指靜脈圖像，以提取該指靜脈圖像之該指靜脈特徵值。The interbank financial transaction system according to claim 1, wherein the capturing module visualizes the finger vein data into a finger vein image to extract the finger vein characteristic value of the finger vein image.