TWM577977U - Cross-channel financial united communication system - Google Patents

Abstract

A cross-channel financial communication system is jointly operated with a first transceiver device and a second transceiver device, and the cross-channel financial communication system comprises a first path server, a transaction authorization device that communicates with the first path server, and Transmitting the authorization device and the second path server connected by the first path server, the first path server is connected to the first transceiver device to receive the indication information of the financial transaction transmitted by the first transceiver device, thereby indicating the transaction authorization The device transmits a transaction reply message to the second path server, and the second path is connected to the second transceiver device to transmit a community reply message to the second transceiver device, so that the second transceiver device generates a transaction approval information, and The second path server transmits the transaction approval information to the transaction authorization device.

Description

Cross-channel financial connectivity system

The present invention relates to a financial communication system, and in particular to a cross-channel financial communication system.

With the development of technologies such as cloud technology, big data, and the Internet of Things, the types of financial transactions have also become diversified. Users can enjoy the convenience of diversification of financial transactions through different financial transaction channels, but For financial institutions and banks, in order to provide more diversified financial transaction channel services, not only must the different channel contractors initiate different types of transactions, but the follow-up supervisors' audit and authorization lacks on the cross-channel system. The communication channel with each contractor has the following shortcomings: Disadvantages 1. Leading to the low efficiency of cross-channel transactions; shortcomings 2. Facing the contractor to communicate the transaction content through external mail or communication software, and increase financial information. The outflow of security risks.

Therefore, the purpose of the novel is to provide a cross-channel financial communication system. To solve the problem of long-term execution of cross-channel transactions and reduce the risk of financial information outflow.

Therefore, the present invention provides a cross-channel financial communication system, which is installed in a bank for use by bank employees, and is respectively connected with a first transceiver device and a second transceiver device and performs a channel platform to operate together. The financial communication system includes a first path server, a transaction authorization device that communicates with the first path server, and a second path server that communicates with the transaction authorization device and the first path server. The first path server communicates with the first transceiver device through the Internet to receive the indication information of a financial transaction transmitted by the first transceiver device, and generates a transaction request information according to the instruction information; The transaction authorization device receives the transaction request information transmitted from the first path server, and generates and transmits a transaction reply message to the first path server according to the transaction request information, wherein the transaction reply information includes a transaction a serial number and a pair of transaction authorization request information that should be a transaction serial number; the second path server performs the communication by a community application linked to the platform to receive community reply information corresponding to one of the first path servers corresponding to the transaction number; the second path server is connected to the second transceiver through the Internet, and Transmitting the community reply information to the second transceiver device by executing the community application; the second transceiver device generates a pair of transaction approval information corresponding to the transaction serial number according to the indication of the community reply information, and The two-way server transmits the transaction Approve the information to the transaction authorization device to complete the review and authorization of the financial transaction.

The effect of the novel is that, through the cross-channel financial communication system, after the contractor initiates the financial transaction, the community application is connected through the channel platform inside the bank, and the contractor is more reliable and more efficient. The financial transactions are trans-channel transactions, audits, and authorized information communication and communication to shorten the transaction process time and increase the information density.

2‧‧‧ Cross-channel financial connectivity system

221‧‧‧Authorized server

21‧‧‧Multi-channel equipment

211‧‧‧First path server

212‧‧‧Processing unit

213‧‧‧ storage unit

214‧‧‧Information Transceiver Unit

215‧‧‧Second path server

216‧‧‧Processing unit

217‧‧‧ storage unit

218‧‧‧Information Transceiver Unit

22‧‧‧Transaction Authorization Equipment

222‧‧‧Processing unit

223‧‧‧ storage unit

224‧‧‧Information Transceiver Unit

225‧‧‧Transaction Server

226‧‧‧Processing unit

227‧‧‧ storage unit

228‧‧‧Information Transceiver Unit

31‧‧‧First transceiver

32‧‧‧Second transceiver

501~515‧‧‧ Flowchart steps

Other features and effects of the present invention will be apparent from the following description of the drawings, wherein: FIG. 1 is a perspective view of a novel cross-channel financial communication system; FIG. 2 is a novel cross-channel financial communication A block diagram of a preferred embodiment of the system; and FIG. 3 is a flow chart illustrating the preferred embodiment of the novel cross-channel financial connectivity system.

Before the present invention is described in detail, it should be noted that in the following description, similar elements are denoted by the same reference numerals.

Referring to FIG. 1 and FIG. 2, a preferred embodiment of the novel cross-channel financial communication system For example, the channel financial communication system 2 is respectively connected with a first transceiver device 31 and a second transceiver device 32 and executes a channel platform to operate together to complete a cross-path from the initiation phase to the audit authorization phase. For financial transactions, the cross-channel financial connectivity system 2 is set up in a bank and is restricted to use by authorized bank employees. In this embodiment, the first transceiver device 31 is a company personal computer operated by a bank contractor, but is not limited thereto. The second transceiver device 32 can be a corporate personal computer operated by a bank employee or a handheld wireless mobile device that can be connected to the financial connection system 2 by way of authorization, but not limited thereto. In an embodiment, the second transceiver device 32 is the handheld wireless mobile device used by the hosting supervisor. The communication connection may be an internet connection, or through optical fiber technology, Asymmetric Digital Subscriber Line (ADSL) technology, or wireless local area network (Wireless Local Area). Network, WLAN) access to the Internet's combination of connections, can also be used in the company's internal area network (Local Area Network (LAN), but not limited to this.

The path financial communication system 2 includes a multi-path device 21 that is in communication with the first transceiver device 31 and the second transceiver device 32, and a transaction authorization device 22 that is in communication with the multi-path device 21.

The multi-path device 21 includes a first path server 211, and a The first path server 211 communicates with the connected second path server 215. The first path server 211 is responsible for processing, transmitting, and accessing related information flows of a financial transaction path. The second path server 211 is responsible for processing, transmitting, and accessing related information flows of another financial transaction path. Each financial transaction channel may be a consumer financial transaction, an investment transaction, a credit transaction, or a foreign exchange transaction, but is not limited thereto. In this embodiment, the first path server 211 is a server for online payment for consumer financial transactions, and the second path server 215 is a server for online credit lending for credit transactions. The first path server 211 is configured to receive and process an online instant payment transaction initiated by the first transceiver device 31, and the second path server 215 is configured to receive and process an online credit initiated by the second transceiver device 32. Loan trading.

The transaction authorization device 22 includes an authorization server 221 and a transaction server 225 that is in communication with the authorization server 221. In this embodiment, the transaction server 225 is in communication with the first path server 211 and the second path server 215, respectively, the authorization server 221 and the first path server 211 and the second The path server 215 is connected to the line, and the host is connected to the authorization server 221 via the second path server 215 to operate the first transceiver device 31. A financial transaction is reviewed and authorized.

It is worth mentioning that in a different implementation, the supervisor The first transceiver device 31 is operated to be connected to the authorization server 221 via the first path server 211, and the carrier passes the second transceiver server 215 and the transaction server by operating the second transceiver device 32. 225 connection. In another different implementation manner, the authorization server 221 can also communicate with the first path server 211 and the second path server 215, so that the two contractors have the authority to access the first path. The transaction of the server 211 and the transaction of the second path server 211 are reviewed and authorized.

The first path server 211 has a processing unit 212, a storage unit 213 electrically connected to the processing unit 212, and an information transceiving unit 214 electrically connected to the processing unit 212. The storage unit 213 can be a hard disk or a disk array, but not limited thereto, the information transceiver unit 214 can support optical fiber network technology, asymmetric digital subscriber line technology, wireless local area network, or A network data switch of a local area network, or a router that integrates a network device of a firewall physical device, but is not limited thereto. In this embodiment, the processing unit 212 is a central processing unit, and the storage unit 213 is a disk array. The information transceiving unit 214 supports the Internet, optical network technology, asymmetric digital subscriber line technology, and wireless. A network communication device that integrates a local area network and a local area network into a firewall entity device.

The second path server 215 has a processing unit 216, a storage unit 217 electrically connected to the processing unit 216, and an information transceiving unit 218 electrically connected to the processing unit 216. The storage unit 217 can be a hard disk or a disk array. However, not limited thereto, the information transceiving unit 218 can be a network data exchange supporting a fiber network technology, an asymmetric digital subscriber line technology, a wireless local area network, or a regional network, or a router integrating a firewall. A network device of a physical device, but not limited to this. In this embodiment, the processing unit 216 is a central processing unit, and the storage unit 217 is a disk array. The information transceiving unit 218 supports the Internet, optical network technology, asymmetric digital subscriber line technology, and wireless. A network communication device that integrates the physical device of the firewall with the local area network and the local area network.

The authorization server 221 has a processing unit 222, a storage unit 223 electrically connected to the processing unit 222, and an information transceiving unit 224 electrically connected to the processing unit 222. The storage unit 223 can be a hard disk or a disk array, but not limited thereto, the information transceiver unit 224 can support optical fiber network technology, asymmetric digital subscriber line technology, wireless local area network, or A network data switch of a local area network, or a router that integrates a network device of a firewall physical device, but is not limited thereto. In this embodiment, the processing unit 222 is a central processing unit, the storage unit 223 is a disk array, and the information transceiving unit 224 is a network communication device supporting the area network.

The transaction server 225 has a processing unit 226, a storage unit 227 electrically connected to the processing unit 226, and an information transceiving unit 228 electrically connected to the processing unit 226. The storage unit 227 can be a hard disk or a disk array, but not To this end, the information transceiving unit 228 can be a network data switch supporting optical fiber network technology, asymmetric digital subscriber line technology, wireless local area network, or regional network, or a router integrated with a firewall physical device. a network device, but not limited to this. In this embodiment, the processing unit 226 is a central processing unit, the storage unit 227 is a disk array, and the information transceiving unit 228 is a network communication device supporting the area network.

The path platform is installed on the multi-path device 21, so that the first path server 211 and the second path server 215 can communicate and distribute information with the transaction authorization device 22 through the path platform. The access platform is connected to a community application, and the community application provides an instant messaging interface that can be displayed on the first transceiver device 31 and the second transceiver device 32, respectively, for the contractor and the contractor to view and review the financial The content of the transaction and related information. The community application can be an instant messaging function integrated on the platform, and the authorized application can be used when the authorized user logs in to the platform. The community application can also be an instant messaging software that requires additional installation to be installed on the platform and operates independently. The user needs to be authorized and logged in to use the community application. In this embodiment, the community application is an instant messaging software that requires additional installation and operates independently.

The storage unit 213 of the first path server 211 stores a first pass a path database, the first path database records a plurality of first path identifiers and a plurality of first path entry passwords respectively corresponding to the plurality of first path identifiers, and records a plurality of first community identifiers and The first community login password corresponding to each of the plurality of first community identifiers. The storage unit 217 of the second path server 215 stores a second path database, and the second path database records a plurality of second path identification codes and a plurality of second corresponding to the plurality of second path identification codes respectively. The access password is recorded, and the plurality of second community identifiers and the plurality of second community login passwords corresponding to the plurality of second community identifiers are recorded.

The storage unit 223 of the authorization server 221 stores an authorization database for recording a plurality of transaction serial numbers, and the processing unit 222 of the authorization server 221 accesses the authorization record corresponding to the transaction serial number in the authorization database according to the transaction serial number. Field. The storage unit 226 of the transaction server 225 stores a transaction database for recording a plurality of transaction serial numbers, and the processing unit 226 of the transaction server 225 accesses a transaction corresponding to the transaction serial number in the transaction database according to the transaction serial number. Record field.

Referring to FIG. 3, the channel financial communication system 2 performs a one-way financial communication method, and the cross-channel transaction processing flow includes step one 501 to step fifteen 515.

In step 501, the carrier operates the first transceiver device 31 to transmit a first identification information to the first path server 211, wherein the first identification information includes a first path identifier and a first path entry. Password, a first community identification The code, and a first community input password, then proceeds to step two 502.

In step 502, the first path server 211 logs in according to the first path identification code, compared to the first path input password and the first path of the first path identification code recorded by the path database. Password to complete the identity verification of the login platform. The first path server 211 inputs a password and a first community login password corresponding to the first community identifier in the path database according to the first community identification code to complete Sign in to the identity verification for this community app. In other words, in this step, the contractor inputs an input password that matches the first access password to log in to the access platform, and enters an input password that matches the first community login password to log in to the community application, and then proceeds to step 503.

It is worth mentioning that in some different implementations, the community application is an instant messaging function integrated on the channel platform. When logging in to the channel platform, the community application is also logged in and can be used at the same time. The program does not need to log in and verify the community application. However, because the community application is integrated into the channel platform and has transaction function, the community application will automatically be used for transaction information confidentiality and security. Logout protection.

In step 503, the first transceiver device 31 transmits an indication message of the financial transaction, instructing the first path server 211 to transmit a transaction request message to the transaction server 225 to initiate the financial transaction, and then proceeds to the step. Four 504.

In step 504, the transaction server 225 generates and transmits a transaction reply message to the first path server 211 according to the transaction request information, wherein the transaction reply information includes a transaction serial number and a transaction corresponding to the transaction serial number. Content, a pair of signing supervisor identification information of the transaction serial number, and a pair of transaction authorization request information corresponding to the transaction serial number, the transaction server 225 establishes a pair of transaction record fields corresponding to the transaction serial number according to the transaction serial number in the transaction data The initial status of the transaction record field is a transaction unauthorized status, and then proceeds to step 505.

In step 505, the transaction server 225 transmits the transaction reply information to the authorization server 221, and the authorization server 221 generates a pair of authorization record fields corresponding to the transaction serial number according to the transaction reply information, and according to the transaction serial number. The authorization record field is established in the authorization database, and the initial status of the authorization record field is an unauthorized state, and then proceeds to step 6506.

In step 506, the first path server 211 receives the transaction reply information, and executes the community application according to the transaction reply information to generate a community that can be transmitted and displayed in the instant messaging interface of the community. The group reply message, the community reply message includes the transaction reply information, and the first path server 211 transmits the community reply message to the first transceiver device 31 and the second path server 215 by the community application program. Then proceed to step 507.

In step 507, the first transceiver device 31 executes the community application process. The mode enables the sponsor to view the community reply information from the instant messaging interface, and then proceeds to step 508.

In step 508, the second path server 216 executes the community application and transmits the community reply information to the second transceiver 32 according to the signing supervisor identification information, and then proceeds to step 509.

In step 509, the second transceiver device 32 executes the community application and displays a community message notification on the instant messaging interface to remind the hosting manager that the transaction is pending review and authorization status, and then proceeds to step 510. .

In step 510, the second transceiver device 32 transmits a second identification information to the second path server 215, wherein the second identification information includes a second path identification code, a second path login password, and a second path identification code. The second community identifier, and a second community input password, then proceeds to step eleven 511.

In step 511, the second path server 215 inputs a password and a second path entry password corresponding to the second path identifier in the path database according to the second path identifier. To complete the identity verification of the login platform. The second path server 215 inputs a password according to the second community identification code to the second community input password and the second community corresponding to the second community identifier in the path database. Complete the verification of the identity of the login to the community application. In other words, at this step, the hosting manager logs into the access platform and the community application, after which Go to step 12 512.

In step 12512, the hosting supervisor operates the second transceiver 32 to review the transaction content displayed by the instant messaging interface. When the contractor reviews and agrees to authorize the financial transaction, the hosting manager clicks on a display. The approval icon on the instant messaging interface causes the second transceiver 32 to generate and transmit a transaction approval message containing the transaction number to the second path server 215, and then proceeds to step thirteen 513.

In step thirteen 513, the second path server 215 transmits the transaction approval information to the authorization server 221, and then proceeds to step fourteen 514.

In step fourteen 514, the authorization server 221 updates the authorization record field corresponding to the transaction sequence number in the authorization database from the unauthorized status to an authorized status according to the transaction sequence number, and then proceeds to step fifteen 515. .

In step fifteen 515, the authorization server 221 transmits a transaction authorized information to the transaction server 225, wherein the transaction authorization information includes the transaction serial number, and the transaction server 225 will The transaction record field is updated from the unauthorised status of the transaction to a transaction authorized state, and the financial transaction is released to enter a subsequent execution phase, and the cross-channel transaction processing flow is completed.

It is worth mentioning that, in step 501 to step 515, the first path server 211, the second path server 215, the transaction server 225, and the The information transmission and reception of the authorization server 221 is performed by the information transceiving unit 214, the information transceiving unit 218, the information transceiving unit 228, and the information transceiving unit 224, respectively. The information processing, information comparison, and flow control related instructions of the first path server 211, the second path server 215, the transaction server 225, and the authorization server 221 are respectively performed by the processing unit 212, The processing unit 216, the processing unit 226, and the processing unit 222 are executed.

In summary, the foregoing embodiment has the following advantages: the first advantage is that the multi-path device 21 executes the access platform and the community application program, provides an information exchange pipeline between different path servers, and accelerates the cooperation of different paths. The communication efficiency between the staff and the contractor is to solve the problem of low efficiency of cross-channel transactions. Advantages 2. The channel platform and the community application are limited to the use of the bank's employees, and also solve the problem of information outflow concerns.

However, the above is only the embodiment of the present invention. When the scope of the novel implementation cannot be limited thereto, all simple equivalent changes and modifications according to the scope of the patent application and the contents of the patent specification are still This new patent covers the scope.

Claims (9)

A cross-channel financial communication system, which is installed in a bank for use by a bank employee, and is respectively connected to a first transceiver device and a second transceiver device and performs a channel platform to operate together. The cross-channel financial communication system includes: The first path server communicates with the first transceiver device through the Internet to receive the indication information of a financial transaction transmitted by the first transceiver device, and generates a transaction request message according to the instruction information; Transaction authorization device, communicating with the first path server to receive the transaction request information, and generating and transmitting a transaction reply information to the first path server according to the transaction request information, wherein the transaction reply information includes a transaction serial number and a pair of transaction authorization request information that should be the transaction serial number; and a second path server, which is in communication with the transaction authorization device and the first path server, by executing a community linked to the access platform a group application to receive community reply information corresponding to one of the first path servers corresponding to the transaction number; The two-way server communicates with the second transceiver via the Internet, and transmits the community reply information to the second transceiver by executing the community application; the second transceiver is based on the community The indication of replying to the information generates a pair of transaction approval information corresponding to the transaction serial number, and transmits the transaction approval information to the transaction authorization device via the second path server to complete the review and authorization of the financial transaction. The cross-channel financial communication system of claim 1, wherein the transaction authorization device comprises a transaction server, in communication with the first path server, to receive the transaction request information transmitted by the first path server; and an authorization server connected to the second path server to Receiving the transaction approval information from the second path server, and updating a pair of authorization record fields corresponding to the transaction serial number according to the transaction approval information. The cross-channel financial communication system of claim 1, wherein the first transceiver transmits a first identification information to the first path server, and the second transceiver transmits a second identification information to the second path The server, wherein the first identification information includes a first path identification code and a first path input password, and the second identification information includes a second path identification code and a second path input password. The cross-channel financial communication system of claim 1, wherein the first path server comprises a processing unit, a storage unit electrically connected to the processing unit, and an information transceiving unit electrically connected to the processing unit, the processing The unit controls the receiving and transmitting of the information transceiving unit, and the storage unit stores a first path database. The cross-channel financial communication system of claim 1, wherein the second path server comprises a processing unit, a storage unit electrically connected to the processing unit, and an information transceiving unit electrically connected to the processing unit, the storing The unit stores a second path database, and the processing unit controls reception and transmission of the information transceiving unit. The cross-channel financial communication system of claim 4, wherein the first path database of the storage unit of the first path server records a plurality of first The path identifier and the plurality of first path entry passwords respectively corresponding to the plurality of first path identifiers. The cross-channel financial communication system of claim 5, wherein the second path database of the storage unit of the second path server records a plurality of second path identification codes and a plurality of corresponding second path identifications respectively The second access code of the code. The cross-channel financial communication system of claim 2, wherein the transaction server comprises a processing unit, a storage unit electrically connected to the processing unit, and an information transceiving unit electrically connected to the processing unit, the storage unit stores a transaction database for recording a plurality of transaction serial numbers, the processing unit accessing a transaction record field of a pair of transaction numbers recorded by the transaction database according to the transaction serial number, and the processing unit controls receiving and transmitting of the information transceiving unit . The cross-channel financial communication system of claim 2, wherein the authorization server comprises a processing unit, a storage unit electrically connected to the processing unit, and an information transceiving unit electrically connected to the processing unit, the storage unit stores An authorization database for recording a plurality of transaction serial numbers, the processing unit accessing, according to the transaction serial number, a pair of authorization record fields of the transaction number recorded by the authorization database, and the processing unit controls receiving and transmitting of the information transceiver unit .