TWM656778U - Integrated financial service system - Google Patents

Abstract

An integrated financial service system includes a processing module, and a communication module and a storage module electrically connected to the processing module. The processing module provides a financial service menu interface including a financial service menu to the client device, so that a corporate user can select a desired financial service and a desired financial institution in the financial service menu interface by operating the client device. After a bank-side server of the selected financial institution executes and completes a verification procedure, it executes a financial service operation related to the financial service, and after completing the financial service operation, generates and transmits a completion notification of the financial service to the processing module. After receiving the completion notification of the financial service, the processing module causes the financial service menu interface to display a financial service execution result.

Description

Integrated financial service system

The present invention relates to a financial service system, and in particular to an integrated financial service system that integrates the financial services of various financial institutions that an enterprise has applied for in the same financial service menu interface.

If a company has transactions with multiple banks, the representative of the corporate account needs to learn and adapt to the corporate online banking or corporate bank banking operation screens and usage processes of each bank, and must manage the transaction vouchers of each bank. This is inconvenient for the representative of the corporate account to use and operate. For example, the operation screens of each bank are different, and the arrangement and arrangement of the financial service menus of each bank are different. This causes the representative of the corporate account to use and operate financial flow processing (for example, domestic remittances, transfers, foreign exchange remittances, foreign exchange purchase and sale transactions, etc.) and instruction applications (for example, opening or modifying foreign letters of credit, loan limit applications, remittance instruction applications, and repayment application instructions, etc.). Therefore, whether there is a system that enables corporate account representatives to perform financial services without having to log in to the corporate online banking or corporate banking of each bank has become a problem to be solved.

Therefore, the purpose of the present invention is to provide an integrated financial service system that enables the representative of a corporate account to perform financial services without logging into the corporate online banking or corporate bank of each bank.

Therefore, the present invention provides an integrated financial service system, which is applicable to a client device and multiple bank-side servers corresponding to multiple financial institutions, and is used to provide a financial service menu interface including a financial service menu to the client device. The financial service menu includes multiple financial services. The integrated financial service system includes a communication module, a storage module and a processing module.

The communication module is communicatively connected to the client device and the bank servers. The storage module stores the financial services. Each of the financial services corresponds to a financial institution menu. Each of the financial institution menus includes the financial institutions. The processing module is electrically connected to the communication module and the storage module.

The processing module receives a financial service selection instruction transmitted from the client device through the financial service menu interface via the communication module, and after determining that one of the financial services is selected according to the financial service selection instruction, the financial service menu interface displays the financial institutions included in the financial institution menu corresponding to the selected financial service for selection.

The processing module receives a financial institution selection instruction transmitted from the client device through the financial service menu interface, and after determining that one of the financial institutions is selected according to the financial institution selection instruction, establishes a connection with the bank-side server corresponding to the selected financial institution through the communication module. The processing module generates and transmits an execution request related to the selected financial service to the bank-side server.

After receiving a verification instruction including a verification method from the bank-side server, the processing module causes the financial service menu interface to display a verification screen related to the verification method for verification.

After receiving a verification data from the client device through the financial service menu interface, the processing module transmits the verification data to the bank server. The bank server performs a verification procedure on the verification data to generate a verification result, and after determining that the verification result is correct, performs a financial service operation related to the financial service, and after completing the financial service operation, generates and transmits a financial service completion notification to the processing module.

After receiving the financial service completion notification from the bank server, the processing module enables the financial service menu interface to display a financial service execution result related to the financial service completion notification.

In some implementations, the authentication method is one of a one-time password authentication method, a digital certificate authentication method, a chip-based financial card authentication method, and a device indirect authentication method.

In some implementations, a digital certificate used in the digital certificate authentication method is an integrated digital certificate.

In some implementations, the processing module receives a new financial institution instruction including an indication of another financial institution to be added from the client device through the financial service menu interface, and establishes a connection with another bank-side server indicating the other financial institution through the communication module according to the new financial institution instruction. The processing module generates and transmits an execution request serially connected to the other financial institution to the other bank-side server. After the processing module receives the verification instruction including the verification method from the other bank-side server, the financial service menu interface displays the verification screen related to the verification method for verification. After the processing module receives the verification data from the client device through the financial service menu interface, the verification data is transmitted to the other bank-side server. The other bank-side server executes the verification procedure on the verification data to generate the verification result, and after determining that the verification result is correct, generates and transmits a serial connection consent notification to the processing module. After receiving the serial connection consent notification from the other bank-side server, the processing module adds the other financial institution to the financial institution menu corresponding to each financial service.

The function of the present invention is that: the processing module provides the financial service menu interface including the financial service menu to the client device, so that a representative of a corporate account can select the financial service to be executed in the financial service menu interface by operating the client device, and further select the financial institution to be executed; after the bank-side server of the selected financial institution executes and completes the verification procedure, it executes the financial service operation related to the financial service, and after completing the financial service operation, it generates and transmits the completion financial service notification to the processing module; after the processing module receives the completion financial service notification sent by the bank-side server, it causes the financial service menu interface to display the financial service execution result related to the completion financial service notification. Thereby, the representative of the corporate account can perform financial services of various financial institutions on a single platform (i.e., the financial service menu interface), effectively improving the convenience of use for the representative of the corporate account.

Before the present invention is described in detail, it should be noted that similar components are represented by the same number in the following description. If not specifically defined, the "electrical connection" described in this patent specification generally refers to a "wired electrical connection" achieved by connecting multiple electronic devices/devices/components to each other through conductive materials, and a "radio connection" for single/bidirectional wireless signal transmission through wireless communication technology. On the other hand, the "electrical connection" described in this patent specification also generally refers to a "direct electrical connection" formed by directly connecting multiple electronic devices/devices/components to each other, and an "indirect electrical connection" formed by indirectly connecting multiple electronic devices/devices/components to each other through other electronic devices/devices/components.

Referring to FIG. 1 , an embodiment of the novel integrated financial service system 100 is applicable to a client device 1 and a plurality of bank-side servers 2 corresponding to a plurality of financial institutions, and is used to provide a financial service menu interface including a financial service menu to the client device 1. The integrated financial service system 100 includes a communication module 3, a storage module 4, and a processing module 5. Further, the financial service menu interface is an online banking (net banking) user interface, or a mobile banking (net banking) user interface; the financial service menu includes a plurality of financial services. For example, each of the financial services may be a NT$ transfer service, a foreign exchange remittance service, a remittance notification service, a domestic remittance service, a foreign exchange structuring and settlement transaction service, a foreign letter of credit opening or modification service, a loan limit application service, a remittance instruction application and a repayment instruction application service, but is not limited thereto. In this embodiment, each of the financial institutions is, for example, a bank, a credit union, a post office, a farmers' association, or a fishermen's association, etc., which can provide non-individual accounts (for example, corporate accounts, foundations/corporate entities, banks, groups, apartment building management committees) with the ability to apply for account opening for financial services, but is not limited to this; the client device 1 is operated and used by a representative of a corporate account (for example, the person in charge of the corporate account or its authorized manager), and is, for example, a personal computer, a laptop, a tablet computer, or a smart phone, but is not limited to this; each of the bank-side servers 2 is a server set up by the corresponding financial institution, which is composed of one computer device or multiple computer devices.

The communication module 3 is connected to the client device 1 and the bank servers 2 via the Internet (or local area network). The storage module 4 stores the financial services. Each financial service corresponds to a financial institution menu. Each financial institution menu includes the financial institutions. The processing module 5 is electrically connected to the communication module 3 and the storage module 4.

In this embodiment, the communication module 3 is, for example but not limited to, a wired network module (such as an Ethernet chip) or a wireless network module (such as a Wi-Fi controller); the storage module 4 is, for example but not limited to, a hard disk or other computer-readable recording media; the processing module 5 is, for example but not limited to, a central processing unit, a microprocessor or a single-chip microcontroller.

Before using the integrated financial service system 100, the representative of the corporate account must agree in advance to connect the integrated financial service system 100 with the bank-side servers 2 corresponding to each financial institution that has applied for corporate online banking or corporate banking.

After the representative of the corporate account establishes a connection with the communication module 3 via the client device 1 , the processing module 5 provides the financial service menu interface including the financial service menu to the client device 1 via the communication module 3 .

The processing module 5 receives a financial service selection instruction transmitted from the client device 1 through the financial service menu interface via the communication module 3, and after determining that one of the financial services is selected according to the financial service selection instruction, the financial service menu interface displays the financial institutions included in the financial institution menu corresponding to the selected financial service for selection. For example, the selected financial service is the foreign exchange remittance service, and the selected financial service corresponds to the financial institution menu, and the financial institution menu includes three financial institutions, namely, a first bank, a second bank, and a third bank.

The processing module 5 receives a financial institution selection instruction transmitted from the client device 1 through the financial service menu interface, and after determining that one of the financial institutions is selected according to the financial institution selection instruction, establishes a connection with the bank-side server 2 corresponding to the selected financial institution through the communication module 3. The processing module 5 generates and transmits an execution request related to the selected financial service to the bank-side server 2. Continuing with the previous example, the selected financial institution is the second bank.

After receiving a verification command including a verification method from the bank server 2, the processing module 5 causes the financial service menu interface to display a verification screen related to the verification method for verification. Specifically, the verification method is one of a one-time password (OTP) verification method, a digital certificate verification method, a chip-based financial card verification method, and a device indirect verification method, but is not limited thereto. Furthermore, in this embodiment, the digital certificate used in the digital certificate authentication method is an integrated digital certificate, that is, the representative of the corporate account must download and store the integrated digital certificate from the integrated financial service system 100 in advance through the client device 1. The integrated digital certificate can be used to provide authentication for various financial services of various financial institutions, and includes a certificate serial number, a user name, a public key, a certificate validity period and a time stamp, etc., but is not limited to this.

After receiving a verification data from the client device 1 through the financial service menu interface, the processing module 5 transmits the verification data to the bank server 2. The bank server 2 performs a verification procedure on the verification data to generate a verification result. After determining that the verification result is correct, the bank server 2 performs a financial service operation related to the financial service. After completing the financial service operation, a financial service completion notification is generated and transmitted to the processing module 5. Continuing with the previous example, the verification data is, for example, a one-time SMS verification code, a public key, a chip financial card password, facial recognition information, fingerprint recognition information, a graphic password, and a digital password stored in the client device 1, but is not limited thereto.

After receiving the financial service completion notification from the bank server 2, the processing module 5 causes the financial service menu interface to display a financial service execution result related to the financial service completion notification. Continuing with the previous example, the financial service execution result is, for example, that the foreign exchange remittance service has been successfully executed.

On the other hand, the representative of the corporate account opens another corporate account at another financial institution (e.g., a fourth bank). After the representative establishes a connection with the communication module 3 via the client device 1, the processing module 5 provides the financial service menu interface including the financial service menu to the client device 1 via the communication module 3.

The processing module 5 receives a new financial institution instruction including an indication of the other financial institution to be added from the client device 1 through the financial service menu interface, and establishes a connection with the other bank-side server 2 indicating the other financial institution through the communication module 3 according to the new financial institution instruction. The processing module 5 generates and transmits an execution request serially connected to the other financial institution to the other bank-side server 2. After the processing module 5 receives the verification instruction including the verification method from the other bank-side server 2, the financial service menu interface displays the verification screen related to the verification method for verification. After the processing module 5 receives the verification data from the client device 1 through the financial service menu interface, the verification data is transmitted to the other bank-side server 2. The other bank-side server 2 executes the verification procedure on the verification data to generate the verification result, and after determining that the verification result is correct, generates and transmits a serial connection consent notification to the processing module 5. After receiving the serial connection consent notification from the other bank-side server 2, the processing module 5 adds the other financial institution to the menu of the financial institution corresponding to each financial service. It should be noted that if the representative has not opened a specific financial service (for example, foreign exchange structure and settlement and sale transaction services) at the other financial institution, the processing module 5 will not add the other financial institution to the menu of the financial institution corresponding to the specific financial service.

On the other hand, the processing module 5 arranges the financial services or the financial institutions in the corresponding order on the financial service menu interface according to an instruction for arranging the order of the financial services or the financial institutions received from the client device 1. In this way, the representative of the corporate account can arrange the most suitable financial service menu interface according to his own needs.

In summary, the processing module 5 provides the financial service menu interface including the financial service menu to the client device 1, so that the representative of the corporate account can select the financial service to be executed in the financial service menu interface by operating the client device 1, and further select the financial institution to be executed; after the bank-side server 2 of the selected financial institution executes and completes the verification procedure, it executes the financial service operation related to the financial service, and after completing the financial service operation, it generates and transmits the completion financial service notification to the processing module 5; after the processing module 5 receives the completion financial service notification transmitted by the bank-side server 2, it causes the financial service menu interface to display the financial service execution result related to the completion financial service notification. In this way, the representative of the corporate account can perform financial services of various financial institutions on a single platform (i.e., the financial service menu interface), effectively improving the convenience of use for the representative of the corporate account. Therefore, the purpose and effect of this new model can be achieved.

However, the above is only an example of the implementation of the present invention, and it cannot be used to limit the scope of the implementation of the present invention. All simple equivalent changes and modifications made according to the scope of the patent application of the present invention and the content of the patent specification are still within the scope of the present patent.

1: Client device 2: Bank server 3: Communication module 4: Storage module 5: Processing module 100: Integrated financial service system

Other features and functions of the present invention will be clearly presented in the implementation method of the reference drawings, in which: Figure 1 is a block diagram illustrating an implementation example of the present invention's integrated financial service system.

1: Client device

2: Bank server

3: Communication module

4: Storage module

5: Processing module

100:Integrate financial service systems

Claims (4)

An integrated financial service system is applicable to a client device and multiple bank-side servers corresponding to multiple financial institutions respectively, and is used to provide a financial service menu interface including a financial service menu to the client device, and the financial service menu includes multiple financial services; the integrated financial service system includes: A communication module, which is communicatively connected to the client device and the bank-side servers; A storage module, which stores the financial services, each of which corresponds to a financial institution menu, and each of which includes the financial institutions; and A processing module, which is electrically connected to the communication module and the storage module; The processing module receives a financial service selection instruction transmitted from the client device through the financial service menu interface via the communication module, and after judging that one of the financial services is selected according to the financial service selection instruction, the financial service menu interface displays the financial institutions included in the financial institution menu corresponding to the selected financial service for selection; The processing module receives a financial institution selection instruction transmitted from the client device through the financial service menu interface, and after judging that one of the financial institutions is selected according to the financial institution selection instruction, the communication module establishes a connection with the bank-side server corresponding to the selected financial institution, and the processing module generates and transmits an execution request related to the selected financial service to the bank-side server; After receiving a verification instruction including a verification method from the bank-side server, the processing module causes the financial service menu interface to display a verification screen related to the verification method for verification; After receiving a verification data from the client device through the financial service menu interface, the processing module transmits the verification data to the bank-side server, and the bank-side server executes a verification procedure on the verification data to generate a verification result, and after determining that the verification result is correct, executes a financial service operation related to the financial service, and after completing the financial service operation, generates and transmits a completion notification of the financial service to the processing module; After receiving the financial service completion notification from the bank server, the processing module causes the financial service menu interface to display a financial service execution result related to the financial service completion notification. An integrated financial service system as described in claim 1, wherein the authentication method is one of a one-time password authentication method, a digital certificate authentication method, a chip financial card authentication method, and a device indirect authentication method. An integrated financial service system as described in claim 2, wherein a digital certificate used in the digital certificate authentication method is an integrated digital certificate. In the integrated financial service system as described in claim 1, the processing module receives a new financial institution instruction including an indication of another financial institution to be added from the client device through the financial service menu interface, and establishes a connection with another bank-side server indicating the other financial institution through the communication module according to the new financial institution instruction. The processing module generates and transmits an execution request serially connected to the other financial institution to the other bank-side server. After the processing module receives the verification instruction including the verification method from the other bank-side server, the financial service menu interface is opened. The verification screen related to the verification method is displayed for verification. After the processing module receives the verification data transmitted from the client device through the financial service menu interface, the verification data is transmitted to the other bank-side server. The other bank-side server executes the verification procedure on the verification data to generate the verification result, and after determining that the verification result is correct, generates and transmits a serial connection consent notification to the processing module. After the processing module receives the serial connection consent notification transmitted from the other bank-side server, the other financial institution is added to the menu of the financial institution corresponding to each financial service.

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