TWM634056U - Sole Proprietorship Trading System - Google Patents
Sole Proprietorship Trading System Download PDFInfo
- Publication number
- TWM634056U TWM634056U TW111206737U TW111206737U TWM634056U TW M634056 U TWM634056 U TW M634056U TW 111206737 U TW111206737 U TW 111206737U TW 111206737 U TW111206737 U TW 111206737U TW M634056 U TWM634056 U TW M634056U
- Authority
- TW
- Taiwan
- Prior art keywords
- information
- transaction
- sole proprietorship
- customer
- enterprise
- Prior art date
Links
Images
Landscapes
- Management, Administration, Business Operations System, And Electronic Commerce (AREA)
Abstract
一種獨資企業交易系統包含：一銀行端伺服器，接收一指示獨資企業帳戶資料與待約定個人帳戶資料的輸入信息，且根據查找表對該輸入信息進行核身，以決定是否產生一個該獨資企業帳戶資料與該待約定個人帳戶資料已約定之應用程式；一客戶端行動裝置，安裝且進入該應用程式完成登錄後，將一具有待轉出交易資訊的交易通知傳送至該銀行端伺服器，以致該銀行端伺服器經由該客戶端行動裝置透過一生物識別技術取得一生物特徵以辨識客戶的一身份資料，並據以判斷是否確實為該客戶本人，且判斷為是時，產生一次性密碼以完成交易授權，以進行轉帳交易。A sole proprietorship transaction system includes: a bank-side server that receives input information indicating sole proprietorship account information and personal account information to be agreed, and checks the input information according to a lookup table to determine whether to generate a sole proprietorship enterprise The account information and the personal account information to be agreed on the application program; a client mobile device, after installing and entering the application program to complete the login, will send a transaction notification with the transaction information to be transferred out to the bank server, As a result, the bank-side server obtains a biometric feature through the client mobile device through a biometric technology to identify a customer's identity information, and judges whether it is indeed the customer himself, and generates a one-time password when it is judged to be true To complete the transaction authorization for the transfer transaction.
Description
本新型是有關於一種金融系統，特別是指一種獨資企業交易系統。The present invention relates to a financial system, in particular to a sole proprietorship transaction system.
現有獨資企業老闆若要將其企業帳戶與其個人帳戶內的資金進行互轉交易時，獨資企業老闆需要利用一行動裝置申請及下載分別對應其企業帳戶與其個人帳戶的一第一應用程式（app）與一第二應用程式，接著分別成功登入該等第一與第二應用程式的平台執行轉帳相關操作後，才能完成此一筆資金互轉交易，如此不便於獨資企業老闆使用。此外，獨資企業老闆要完成一筆資金轉出時須扮演兩個角色，其需要先利用一第一密碼登入該第一應用程式平台，並將一待轉出交易資訊上傳至該第一應用程式平台後即登出平台。接著，獨資企業老闆再利用一第二密碼登入該第一應用程式平台，以判斷是否授權根據該待轉出交易資訊將資金轉出，當判斷為是，則進行授權放行，以完成該筆資金轉出。如此一來，當獨資企業老闆要完成多筆轉帳交易時，常需要多次的登入與登出該第一應用程式平台才能處理完成，導致不便於獨資企業老闆進行轉帳外，且也無效率。因此，如何發展出一種新的系統，能讓獨資企業老闆更易於使用且更有效率的獨資企業交易，是本新型進一步要探討的主題。If the owner of an existing sole proprietorship wants to transfer funds between his business account and his personal account, the owner of the sole proprietorship needs to use a mobile device to apply and download a first application program (app) corresponding to his business account and his personal account respectively. and a second application program, and then successfully log in to the platforms of the first and second application programs to perform transfer-related operations before completing this mutual fund transfer transaction, which is not convenient for sole proprietorship owners to use. In addition, the owner of a sole proprietorship must play two roles when completing a transfer of funds. He needs to use a first password to log in to the first application platform and upload transaction information to be transferred to the first application platform. Then log out of the platform. Then, the owner of the sole proprietorship uses a second password to log in to the first application program platform to judge whether to authorize the transfer of funds based on the transaction information to be transferred out. transfer out. In this way, when the owner of the sole proprietorship wants to complete multiple transfer transactions, he often needs to log in and log out of the first application platform multiple times to complete the processing, which is not only inconvenient for the owner of the sole proprietorship to transfer funds, but also inefficient. Therefore, how to develop a new system that allows sole proprietorship owners to use it more easily and conduct sole proprietorship transactions more efficiently is a subject to be further explored in this model.
因此，本新型的目的，即在提供一種能夠克服先前技術缺點之獨資企業交易系統。Therefore, the purpose of the present invention is to provide a sole proprietorship trading system capable of overcoming the shortcomings of the prior art.
於是，本新型獨資企業交易系統，包含一銀行端伺服器，及一客戶端行動裝置。Therefore, the new sole proprietorship transaction system includes a bank server and a client mobile device.
該銀行端伺服器用於接收一指示有一獨資企業帳戶資料與一待約定個人帳戶資料的輸入信息，且儲存有一查找表，該查找表紀錄多個獨資企業帳戶及每一獨資企業帳戶所對應的一企業負責人資訊，該銀行端伺服器根據該查找表對該輸入信息進行核身，以判斷該獨資企業帳戶資料中的一負責人資訊是否與該待約定個人帳戶資料中的一個人資訊相符，當判斷為相符時，產生一個該獨資企業帳戶資料與該待約定個人帳戶資料已約定之應用程式，該應用程式具有該獨資企業帳戶資料與該待約定個人帳戶資料。The bank-side server is used to receive input information indicating a sole proprietorship account information and an individual account information to be agreed, and store a lookup table, which records multiple sole proprietorship accounts and each sole proprietorship account corresponding Information on the person in charge of the enterprise, the bank-side server checks the input information according to the lookup table to determine whether the information on a person in charge in the account data of the sole proprietorship matches the information on a person in the personal account data to be agreed, When it is judged to be consistent, generate an application in which the sole proprietorship account information and the individual account information to be agreed have been agreed, and the application program has the sole proprietorship account information and the individual account information to be agreed.
該客戶端行動裝置由一相關於該個人資訊之客戶所持有，且通訊連接該銀行端伺服器並安裝有該應用程式，當該客戶進入該應用程式而完成登錄且輸入一待轉出交易資訊後，該客戶端行動裝置將一具有該待轉出交易資訊的交易通知傳送至該銀行端伺服器。The client mobile device is held by a customer related to the personal information, and is connected to the bank server and installed with the application program. When the customer enters the application program, completes the login and enters a transaction to be transferred out After receiving the information, the client mobile device sends a transaction notification with the transaction information to be transferred to the bank server.
當接收到該交易通知時，該銀行端伺服器經由該客戶端行動裝置透過一生物識別技術取得該客戶的一生物特徵，並經過生物特徵辨識後得出該客戶的一身份資料，且根據該身份資料判斷是否確實為該客戶本人，並於判斷結果為是時，該銀行端伺服器產生一個一次性密碼以完成交易授權，並根據該待轉出交易資訊進行轉帳交易。When receiving the transaction notification, the bank-side server obtains a biometric feature of the customer through a biometric identification technology through the client mobile device, and obtains an identity information of the customer after biometric identification, and according to the The identity data is used to judge whether it is the customer himself, and when the judgment result is yes, the bank server generates a one-time password to complete the transaction authorization, and performs the transfer transaction according to the transaction information to be transferred out.
本新型的功效在於：利用該銀行端伺服器產生該應用程式即可供進行獨資企業帳戶與個人帳戶資金互轉交易，不需如現有技術要分別申請、下載、成功登入二個不同應用程式才能完成資金互轉交易，具有較便於使用之特點。The effect of this new model lies in: the application program generated by the server of the bank can be used for mutual transfer transactions between the sole proprietorship enterprise account and the personal account, and it is not necessary to separately apply for, download, and successfully log in to two different application programs as in the prior art. Completing mutual fund transfer transactions is more convenient to use.
參閱圖1，本新型獨資企業交易系統的一實施例，包含一銀行端伺服器1、一客戶端行動裝置2，及一企業型態管理後台3。該客戶端行動裝置2例如為一智慧型手機或一筆記型電腦。該企業型態管理後台3例如一商工行政資料開放平台。Referring to FIG. 1 , an embodiment of the new sole proprietorship transaction system includes a bank server 1 , a client
該銀行端伺服器1用於接收一指示有一獨資企業帳戶資料與一待約定個人帳戶資料的輸入信息，且儲存有一查找表，該查找表紀錄多個獨資企業帳戶及每一獨資企業帳戶所對應的一企業負責人資訊。該銀行端伺服器1根據該查找表對該輸入信息進行核身，以判斷該獨資企業帳戶資料中對應一負責人的一負責人資訊是否與該待約定個人帳戶資料中的一個人資訊相符，當判斷為相符時，產生一個該獨資企業帳戶資料與該待約定個人帳戶資料已約定之應用程式，該應用程式具有該獨資企業帳戶資料與該待約定個人帳戶資料。在本實施例中，該輸入信息是該負責人本人至銀行臨櫃申辦並簽訂服務約定條款而取得。The bank server 1 is used to receive input information indicating a sole proprietorship account information and an individual account information to be agreed, and store a lookup table, which records a plurality of sole proprietorship accounts and each sole proprietorship account corresponding Information about a person in charge of a company. The bank-side server 1 checks the input information according to the lookup table to determine whether the person-in-charge information corresponding to a person-in-charge in the sole proprietorship account data matches the personal information in the personal account data to be agreed. When it is judged to be consistent, an application program is generated in which the sole proprietorship account information and the individual account information to be agreed have been agreed, and the application program has the sole proprietorship account information and the individual account information to be agreed. In this embodiment, the input information is obtained when the person in charge goes to the counter of the bank to apply for the service and sign the terms of the service agreement.
該客戶端行動裝置2由一相關於該個人資訊之客戶（即，該負責人）所持有，且通訊連接該銀行端伺服器1並安裝有該應用程式。當該客戶進入該應用程式而完成登錄且輸入一待轉出交易資訊後，該客戶端行動裝置2將一具有該待轉出交易資訊的交易通知傳送至該銀行端伺服器1。在本實施例中，該客戶進入該應用程式並輸入一企業統一編號、一使用者代號、一平台密碼進行身分認證成功而完成登錄。該待轉出交易資訊包括一欲轉入帳號及一欲轉帳金額。在本實施例中，該欲轉入帳號例如該待約定個人帳戶資料中的一個人帳號（即，該負責人的個人帳號），但不限於此。在其他實施例中，該欲轉入帳號例如其他人的銀行帳號。The client
該企業型態管理後台3用以提供查詢一客戶企業型態的服務。該銀行端伺服器1通過一應用程式介面（Application Programming Interface，API）串接該企業型態管理後台3。該企業型態管理後台3具有每一企業的一最新組織型態，每一企業對應一統一編號，該最新組織型態為一獨資組織型態及一非獨資組織型態二者中的一者。The enterprise
詳細來說，操作時，當該銀行端伺服器1接收到該交易通知時，該銀行端伺服器1先經由該應用程式介面連接至該企業型態管理後台3，並根據該客戶所輸入的該企業統一編號於該企業型態管理後台3查詢該客戶的企業是否為該獨資組織型態，且於該客戶的企業為該獨資組織型態時，該銀行端伺服器1再判斷該待轉出交易資訊中的該欲轉帳金額是否小於一預定轉帳金額（例如，200萬，即屬低風險交易），當該欲轉帳金額小於該預定轉帳金額時，該銀行端伺服器1經由該客戶端行動裝置2透過一生物識別技術取得該客戶的一生物特徵，並經過生物特徵辨識後得出該客戶的一身份資料，且根據該身份資料判斷是否確實為該客戶本人。當判斷結果確實為該客戶本人時，該銀行端伺服器1結合數位Token技術產生一個一次性密碼（One-Time Password，OTP）以完成交易授權，並根據該待轉出交易資訊進行轉帳交易（即，該銀行端伺服器1將該負責人之獨資企業帳戶的該欲轉帳金額轉入該負責人之個人帳戶）。當該欲轉帳金額大於該預定轉帳金額時，則該銀行端伺服器1將一指示交易金額過大之結果通知傳送至該客戶端行動裝置2，並結束轉帳交易。在本實施例中，該生物識別技術為一人臉識別技術及一指紋識別技術二者中的一者。Specifically, during operation, when the bank-side server 1 receives the transaction notification, the bank-side server 1 first connects to the enterprise
當該銀行端伺服器1於該企業型態管理後台3查詢到該客戶的企業為該非獨資組織型態時，該銀行端伺服器1產生一指示終止原獨資專屬服務功能（例如，獨資企業帳戶與個人帳戶之資金互轉功能）之提醒通知，且將該提醒通知傳送至該客戶端行動裝置2進行顯示。When the bank-end server 1 inquires that the customer's enterprise is the non-sole proprietorship organization type in the enterprise
綜上所述，本新型利用該獨資企業帳戶資料與該待約定個人帳戶資料已約定之該應用程式即可將該負責人之獨資企業帳戶的該欲轉帳金額直接轉入該負責人之個人帳戶，且利用該應用程式即可進行獨資企業帳戶與個人帳戶管理，不需如現有技術要分別申請、下載、成功登入二個不同應用程式才能完成資金互轉交易及獨資企業帳戶與個人帳戶管理，因此本新型獨資企業交易系統具有較便於獨資企業老闆使用之特點。此外，本新型獨資企業交易系統結合數位Token交易安控技術，可達到該負責人單次登入即可交易放行，無須如現有技術需利用第一及第二密碼多次登入與登出第一應用程式，從而讓轉帳交易更有效率，且無須額外再攜帶任何實體動態密碼機設備或實體讀卡機與授權卡，兼顧獨資企業帳戶交易安全及便利性。To sum up, this application can directly transfer the amount to be transferred from the person in charge's sole proprietorship account to the person in charge's personal account by using the application program that has agreed on the sole proprietorship account information and the personal account information to be agreed , and use the application to manage sole proprietorship accounts and personal accounts, without the need to apply, download, and successfully log in to two different applications to complete fund transfer transactions and manage sole proprietorship accounts and personal accounts, as in the prior art. Therefore, the novel sole proprietorship trading system has the characteristics of being more convenient for sole proprietorship owners to use. In addition, this new sole proprietorship trading system combines digital Token transaction security technology, so that the person in charge can release the transaction with a single login, without the need to use the first and second passwords to log in and log out of the first application multiple times as in the existing technology program, so that the transfer transaction is more efficient, and there is no need to carry any additional physical dynamic password device or physical card reader and authorization card, taking into account the security and convenience of sole proprietorship account transactions.
惟以上所述者，僅為本新型的實施例而已，當不能以此限定本新型實施的範圍，凡是依本新型申請專利範圍及專利說明書內容所作的簡單的等效變化與修飾，皆仍屬本新型專利涵蓋的範圍內。But the above-mentioned person is only the embodiment of the present invention, and should not limit the scope of implementation of the present invention with this, and all simple equivalent changes and modifications made according to the patent scope of the present application and the content of the patent specification are still within the scope of the present invention. Within the scope covered by this patent.
1:銀行端伺服器 2:客戶端行動裝置 3:企業型態管理後台1: Bank server 2: Client mobile device 3: Enterprise type management background
本新型的其他的特徵及功效，將於參照圖式的實施方式中清楚地呈現，其中： 圖1是一方塊圖，說明本新型獨資企業交易系統的一實施例。 Other features and effects of the present invention will be clearly presented in the implementation manner with reference to the drawings, wherein: FIG. 1 is a block diagram illustrating an embodiment of the novel sole proprietorship trading system.
1:銀行端伺服器 1: Bank server
2:客戶端行動裝置 2: Client mobile device
3:企業型態管理後台 3: Enterprise type management background
Claims (5)
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| TW111206737U TWM634056U (en) | 2022-06-24 | 2022-06-24 | Sole Proprietorship Trading System |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| TW111206737U TWM634056U (en) | 2022-06-24 | 2022-06-24 | Sole Proprietorship Trading System |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| TWM634056U true TWM634056U (en) | 2022-11-11 |
Family
ID=85784505
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| TW111206737U TWM634056U (en) | 2022-06-24 | 2022-06-24 | Sole Proprietorship Trading System |
Country Status (1)
| Country | Link |
|---|---|
| TW (1) | TWM634056U (en) |
-
2022
- 2022-06-24 TW TW111206737U patent/TWM634056U/en unknown
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| US10853468B2 (en) | Applications login using a mechanism relating sub-tokens to the quality of a master token | |
| US11030621B2 (en) | System to enable contactless access to a transaction terminal using a process data network | |
| CN107851254B (en) | Seamless transactions with minimized user input | |
| US9728028B2 (en) | Security device, method and system for financial transactions, based on the identification of an individual using a biometric profile and a smart card | |
| US10204215B2 (en) | System and method for processing a transaction with secured authentication | |
| US20160300236A1 (en) | Systems and Methods for Confirming Identities of Verified Individuals, in Connection With Establishing New Accounts for the Individuals | |
| CN112805737A (en) | Techniques for token proximity transactions | |
| US20030046237A1 (en) | Method and system for enabling the issuance of biometrically secured online credit or other online payment transactions without tokens | |
| US20150227937A1 (en) | Random biometric authentication method and apparatus | |
| EP3186739B1 (en) | Secure on device cardholder authentication using biometric data | |
| US20230283616A1 (en) | Methods and systems for authentication for high-risk communications | |
| US11736476B2 (en) | Biometric one touch system | |
| US11615421B2 (en) | Methods, system and computer program product for selectively responding to presentation of payment card information | |
| WO2021027146A1 (en) | Payment method and apparatus, calculation device, and storage medium | |
| TWM589842U (en) | Mobile trading desk with real-name phone | |
| US20200184451A1 (en) | Systems and methods for account event notification | |
| AU2019213308A1 (en) | Methods, systems and computer program products for transaction authentication | |
| TWM634056U (en) | Sole Proprietorship Trading System | |
| US20200273037A1 (en) | Payment-system-based user authentication and information access system and methods | |
| TWI678674B (en) | Ticket top-up system, method and mobile apparatus | |
| TWI758648B (en) | Mobile trading counter implemented by real-name phone, and trading method by using the same | |
| TWM656778U (en) | Integrated financial service system |