TWI777190B

TWI777190B - Financial service system

Info

Publication number: TWI777190B
Application number: TW109123392A
Authority: TW
Inventors: 毛儷錡; 石謹慈
Original assignee: 兆豐國際商業銀行股份有限公司
Priority date: 2020-07-10
Filing date: 2020-07-10
Publication date: 2022-09-11
Also published as: TW202203123A

Abstract

The present disclosure provides a financial service system including an electronic device, an ATM, a beacon disposed in an area adjacent to the ATM, and a server coupled to the electronic device, the ATM and the beacon. When the electronic device opens an application in the area and receives a beacon identification code of the beacon, the application transmits the beacon identification code to the server and receives a push message from the server. The push message includes a branch name information corresponding to the beacon. The application receives a transaction information through the push message and transmits the transaction information to the server and receives a transaction serial number from the server. When the ATM receives the transaction serial number, the ATM performs a transaction operation corresponding to the transaction information.

Description

financial services system

本揭露是有關於一種金融服務系統，且特別是有關於一種在自動櫃員機鄰近區域設置信標以進行金融服務的金融服務系統。The present disclosure relates to a financial service system, and more particularly, to a financial service system for providing financial services by placing beacons in the vicinity of an ATM.

隨著通訊科技的演進，藍牙信標定位技術已經廣泛被使用於室內。由於傳輸距離的不同會有不同程度的訊號衰減，接收端收到藍牙訊號後即可計算出接收端與各信標的距離並套用三角定位演算法即能獲得手機在此區域內的位置。然而，目前仍無藍牙信標在金融領域中的應用。因此，如何將藍牙信標技術應用於金融服務系統是本領域技術人員應致力的目標。With the evolution of communication technology, Bluetooth beacon positioning technology has been widely used indoors. Due to the different transmission distances, there will be different degrees of signal attenuation. After receiving the Bluetooth signal, the receiver can calculate the distance between the receiver and each beacon and apply the triangulation algorithm to obtain the location of the mobile phone in this area. However, there is still no application of Bluetooth beacons in the financial field. Therefore, how to apply the Bluetooth beacon technology to the financial service system is the goal that those skilled in the art should strive for.

有鑑於此，本揭露提供一種金融服務系統，在自動櫃員機鄰近區域設置信標以進行金融服務。In view of this, the present disclosure provides a financial service system that sets up beacons in the vicinity of an ATM to provide financial services.

本揭露提出一種金融服務系統，包括：電子裝置；自動櫃員機；信標，設置於鄰近自動櫃員機的區域；以及伺服器，耦接到電子裝置、自動櫃員機及信標。當電子裝置在區域中開啟應用程式並接收到信標的信標識別碼時，應用程式將信標識別碼傳送到伺服器並從伺服器接收推播訊息。推播訊息包括對應信標識別碼的分行名稱資訊。應用程式透過推播訊息接收交易資訊，將交易資訊傳送到伺服器，並從伺服器接收交易序號。當自動櫃員機接收交易序號時，自動櫃員機執行對應交易資訊的交易操作。The present disclosure provides a financial service system, including: an electronic device; an ATM; a beacon disposed in an area adjacent to the ATM; and a server coupled to the electronic device, the ATM and the beacon. When the electronic device opens the application in the area and receives the beacon ID of the beacon, the application transmits the beacon ID to the server and receives push messages from the server. The push message includes the branch name information corresponding to the beacon ID. The application receives transaction information through push messages, transmits the transaction information to the server, and receives the transaction serial number from the server. When the ATM receives the transaction serial number, the ATM performs a transaction operation corresponding to the transaction information.

基於上述，本揭露的金融服務系統讓使用者在自動櫃員機鄰近區域開啟應用程式接收信標識別碼，將信標識別碼傳送到伺服器並從伺服器接收包含分行名稱資訊的推播訊息。使用者透過推播訊息輸入交易資訊並從伺服器接收交易序號。當自動櫃員機接收使用者輸入的交易序號時執行對應交易資訊的交易操作。Based on the above, the financial service system of the present disclosure allows the user to open the application in the vicinity of the ATM to receive the beacon ID, transmit the beacon ID to the server, and receive a push message including branch name information from the server. The user inputs transaction information through push messages and receives the transaction serial number from the server. When the ATM receives the transaction serial number input by the user, the transaction operation corresponding to the transaction information is performed.

圖1為根據本揭露一實施例的金融服務系統的方塊圖。FIG. 1 is a block diagram of a financial service system according to an embodiment of the present disclosure.

請參照圖1，本揭露一實施例的金融服務系統100包括電子裝置110、自動櫃員機(Automatic Teller Machine，ATM)120、信標130及伺服器140。伺服器140透過有線或無線網路耦接到電子裝置110、自動櫃員機120及信標130。電子裝置110例如是智慧型手機、平板電腦、筆記型電腦或其他類似裝置。信標130例如是藍牙低功耗(Bluetooth Low Energy，BLE)信標或其他類似裝置。伺服器140例如是銀行系統伺服器。一或多個信標130可設置於自動櫃員機120的鄰近區域以偵測持有電子裝置110的使用者進入自動櫃員機120的鄰近區域。Referring to FIG. 1 , a financial service system 100 according to an embodiment of the present disclosure includes an electronic device 110 , an automatic teller machine (Automatic Teller Machine, ATM) 120 , a beacon 130 and a server 140 . The server 140 is coupled to the electronic device 110, the ATM 120 and the beacon 130 through a wired or wireless network. The electronic device 110 is, for example, a smart phone, a tablet computer, a notebook computer or other similar devices. The beacon 130 is, for example, a Bluetooth Low Energy (BLE) beacon or other similar devices. The server 140 is, for example, a banking system server. One or more beacons 130 may be disposed in the vicinity of the ATM 120 to detect that a user holding the electronic device 110 enters the vicinity of the ATM 120 .

電子裝置110及伺服器140都可包括通訊晶片(未繪示於圖中)、儲存裝置(未繪示於圖中)及處理器(未繪示於圖中)。Both the electronic device 110 and the server 140 may include a communication chip (not shown in the figure), a storage device (not shown in the figure) and a processor (not shown in the figure).

通訊晶片可為支援全球行動通信(Global System for Mobile communication, GSM)、個人手持式電話系統(Personal Handy-phone System, PHS)、碼多重擷取(Code Division Multiple Access, CDMA)系統、寬頻碼分多址(Wideband Code Division Multiple Access, WCDMA)系統、長期演進(Long Term Evolution, LTE)系統、全球互通微波存取(Worldwide interoperability for Microwave Access, WiMAX)系統、無線保真(Wireless Fidelity, Wi-Fi)系統或藍牙的信號傳輸的元件。The communication chip can support Global System for Mobile communication (GSM), Personal Handy-phone System (PHS), Code Division Multiple Access (CDMA) system, broadband code division Wideband Code Division Multiple Access (WCDMA) system, Long Term Evolution (LTE) system, Worldwide interoperability for Microwave Access (WiMAX) system, Wireless Fidelity (Wi-Fi) ) system or Bluetooth signal transmission element.

儲存裝置可以是任何型態的固定或可移動隨機存取記憶體(Random Access Memory，RAM)、唯讀記憶體(Read-Only Memory，ROM)、快閃記憶體(flash memory)、硬碟(Hard Disk Drive，HDD)、固態硬碟(Solid State Drive，SSD)或類似元件或上述元件的組合。The storage device can be any type of fixed or removable random access memory (Random Access Memory, RAM), read-only memory (Read-Only Memory, ROM), flash memory (flash memory), hard disk ( Hard Disk Drive, HDD), solid state drive (Solid State Drive, SSD) or similar components or a combination of the above components.

處理器可以是中央處理單元(Central Processing Unit，CPU)，或是其他可程式化之一般用途或特殊用途的微處理器(Microprocessor)、數位信號處理器(Digital Signal Processor，DSP)、可程式化控制器、特殊應用積體電路(Application Specific Integrated Circuit，ASIC)或其他類似元件或上述元件的組合。The processor can be a central processing unit (CPU), or other programmable general-purpose or special-purpose microprocessors (Microprocessors), digital signal processors (DSPs), programmable Controller, Application Specific Integrated Circuit (ASIC) or other similar components or a combination of the above components.

圖2到圖5為根據本揭露一實施例的推播訊息的示意圖。2 to 5 are schematic diagrams of push messages according to an embodiment of the present disclosure.

請同時參照圖1到圖5，當電子裝置110在自動櫃員機120的鄰近區域中開啟應用程式(例如，行動銀行應用程式)並接收到信標130的信標識別碼時，應用程式將信標識別碼傳送到伺服器140並從伺服器140接收推播訊息。伺服器140可根據信標識別碼判斷使用者正在哪一個分行。推播訊息包括對應信標識別碼的分行名稱資訊。應用程式透過推播訊息接收交易資訊，將交易資訊傳送到伺服器140，並從伺服器140接收對應交易資訊的交易序號410。當自動櫃員機120接收交易序號410時，自動櫃員機120執行對應交易資訊的交易操作。1 to 5, when the electronic device 110 opens an application (eg, a mobile banking application) in the vicinity of the ATM 120 and receives the beacon ID of the beacon 130, the application identifies the beacon The ID code is sent to the server 140 and push messages are received from the server 140 . The server 140 can determine which branch the user is in according to the beacon ID. The push message includes the branch name information corresponding to the beacon ID. The application program receives the transaction information through the push message, transmits the transaction information to the server 140 , and receives the transaction sequence number 410 corresponding to the transaction information from the server 140 . When the ATM 120 receives the transaction sequence number 410, the ATM 120 executes a transaction operation corresponding to the transaction information.

具體來說，當使用者進入設置信標130的自動櫃員機120鄰近區域並開啟行動銀行應用程式時，應用程式可接收信標130的信標識別碼並將信標識別碼傳送到伺服器140。伺服器140可從信標識別碼判斷使用者目前所在的分行並傳送包含分行名稱資訊210的推播訊息200到電子裝置110。同時，使用者可點擊交易按鈕220以選擇要進行的交易並進一步選擇交易金額。應用程式可將使用者點擊的交易按鈕220對應的交易資訊(例如，提款、存款、轉帳或其他交易及其帳號、金額等資訊)傳送到伺服器140。舉例來說，若使用者要進行提款交易，提款面額310及面額選擇按鍵320可顯示在推播訊息200中。當伺服器140接收到交易資訊時可產生對應的交易序號410並傳送給電子裝置110以顯示在推播訊息200中。使用者可在交易序號410產生的預定時間間隔內(例如，五分鐘內)，於自動櫃員機120輸入交易序號410以完成交易操作。在完成交易操作之後，推播訊息200可顯示交易資料510(例如，交易明細)以供使用者查閱。Specifically, when the user enters the vicinity of the ATM 120 where the beacon 130 is set and opens the mobile banking application, the application can receive the beacon ID of the beacon 130 and transmit the beacon ID to the server 140 . The server 140 can determine the branch where the user is currently located from the beacon ID and transmit the push message 200 including the branch name information 210 to the electronic device 110 . At the same time, the user may click on the transaction button 220 to select a transaction to be performed and further select the transaction amount. The application program can transmit the transaction information corresponding to the transaction button 220 clicked by the user (for example, the withdrawal, deposit, transfer or other transaction and its account number, amount and other information) to the server 140 . For example, if the user wants to perform a withdrawal transaction, the withdrawal denomination 310 and the denomination selection button 320 can be displayed in the push message 200 . When the server 140 receives the transaction information, the corresponding transaction sequence number 410 can be generated and sent to the electronic device 110 to be displayed in the push message 200 . The user can input the transaction sequence number 410 at the ATM 120 within a predetermined time interval (eg, within five minutes) when the transaction sequence number 410 is generated to complete the transaction operation. After the transaction operation is completed, the push message 200 may display transaction data 510 (eg, transaction details) for the user to view.

若使用者要進行提款交易，應用程式可透過推播訊息200接收提款金額，且自動櫃員機120在接收交易序號410之後輸出提款金額的現金。若使用者要進行存款交易，應用程式透過推播訊息200接收存款金額，且自動櫃員機120在接收交易序號410之後接收對應提款金額的現金。If the user wants to perform a withdrawal transaction, the application can receive the withdrawal amount through the push message 200 , and the ATM 120 outputs the cash of the withdrawal amount after receiving the transaction serial number 410 . If the user wants to make a deposit transaction, the application program receives the deposit amount through the push message 200 , and the ATM 120 receives the cash corresponding to the withdrawal amount after receiving the transaction sequence number 410 .

在一實施例中，使用者在自動櫃員機120輸入交易序號410之後還需要完成身分驗證程序，自動櫃員機120才會執行交易操作。舉例來說，身分驗證程序包括金融卡驗證程序及生物特徵驗證程序。使用者需要插入金融卡或進行人臉辨識、手指靜脈辨識、聲紋辨識、指紋辨識、虹膜辨識等生物特徵辨識來完成身分驗證程序。使用者的生物特徵資料可預先儲存在伺服器140中。In one embodiment, after the user inputs the transaction serial number 410 into the ATM 120, the user needs to complete the identity verification procedure before the ATM 120 performs the transaction operation. For example, identity verification procedures include financial card verification procedures and biometric verification procedures. Users need to insert a financial card or perform biometric identification such as face recognition, finger vein recognition, voiceprint recognition, fingerprint recognition, iris recognition, etc. to complete the identity verification process. The biometric data of the user may be pre-stored in the server 140 .

在一實施例中，交易序號410透過對應應用程式的個人識別碼及伺服器140接收交易資訊的時間點資訊來產生。具體來說，交易序號410可為使用者識別碼(例如，身分證字號或帳號)及交易時間點資訊的組合或使用者識別碼及交易時間點資訊的雜湊值結果，如此可確定交易序號410的唯一性。In one embodiment, the transaction sequence number 410 is generated through the personal identification code of the corresponding application and the time point information at which the server 140 receives the transaction information. Specifically, the transaction serial number 410 can be a combination of a user identification code (eg, an ID number or account number) and transaction time point information, or a hash value result of the user identification code and transaction time point information, so that the transaction serial number 410 can be determined. uniqueness.

在一實施例中，自動櫃員機120的鄰近區域還可設置多個其他信標(或稱為第二信標)及一或多個其他自動櫃員機(或稱為第二自動櫃員機)。自動櫃員機120與第二自動櫃員機可提供相同或不同的取款面額。舉例來說，自動櫃員機120可提供新台幣一千元的取款面額，且第二自動櫃員機可提供新台幣兩千元、新台幣一千元、新台幣五百元及新台幣一百元的至少其中之一的取款面額。伺服器140可根據電子裝置110所接收的信標及第二信標的訊號強度以三角定位法來計算電子裝置110的位置資訊，並藉由位置資訊判斷電子裝置110較靠近自動櫃員機120或第二自動櫃員機。當伺服器140判斷電子裝置110較靠近自動櫃員機120時，推播訊息200可顯示包括自動櫃員機120的取款面額的輸入介面。類似地，當伺服器140判斷電子裝置110較靠近第二自動櫃員機120時，推播訊息200可顯示包括第二自動櫃員機的取款面額的輸入介面。In one embodiment, a plurality of other beacons (or referred to as second beacons) and one or more other ATMs (or referred to as second ATMs) may also be set in the vicinity of the ATM 120 . The ATM 120 and the second ATM may provide the same or different denominations for withdrawal. For example, the ATM 120 may provide a withdrawal denomination of NT$1,000, and the second ATM may provide at least NT$2,000, NT$1,000, NT$500, and NT$100. The denomination of one of the withdrawals. The server 140 can calculate the location information of the electronic device 110 by triangulation according to the signal strengths of the beacon and the second beacon received by the electronic device 110, and determine that the electronic device 110 is closer to the ATM 120 or the second beacon based on the location information. ATM. When the server 140 determines that the electronic device 110 is closer to the ATM 120 , the push message 200 may display an input interface including the withdrawal amount of the ATM 120 . Similarly, when the server 140 determines that the electronic device 110 is closer to the second ATM 120 , the push message 200 may display an input interface including the withdrawal amount of the second ATM.

舉例來說，當自動櫃員機120只提供新台幣1000元的取款面額且電子裝置110較靠近自動櫃員機120時，推播訊息200可提供輸入介面讓使用者選擇要領取幾張新台幣1000元鈔票。類似地，當第二自動櫃員機提供新台幣1000元及新台幣100元的取款面額且電子裝置110較靠近第二自動櫃員機時，推播訊息200可提供輸入介面讓使用者選擇要領取幾張新台幣1000元鈔票及幾張新台幣100元鈔票。當使用者在自動櫃員機120與第二自動櫃員機之間移動時，推播訊息200可根據電子裝置110離自動櫃員機120與第二自動櫃員機的距離而顯示提供不同取款面額的輸入介面。For example, when the ATM 120 only provides a denomination of NT$1,000 and the electronic device 110 is closer to the ATM 120, the push message 200 may provide an input interface for the user to select how many NT$1,000 bills to withdraw. Similarly, when the second ATM provides denominations of NT$1,000 and NT$100 and the electronic device 110 is closer to the second ATM, the push message 200 may provide an input interface for the user to select how many new cards to receive. A NT$1,000 bill and several NT$100 bills. When the user moves between the ATM 120 and the second ATM, the push message 200 may display an input interface providing different denominations for withdrawal according to the distance between the electronic device 110 and the ATM 120 and the second ATM.

綜上所述，本揭露的金融服務系統讓使用者在自動櫃員機鄰近區域開啟應用程式接收信標識別碼，將信標識別碼傳送到伺服器並從伺服器接收包含分行名稱資訊的推播訊息。使用者透過推播訊息輸入交易資訊並從伺服器接收交易序號。當自動櫃員機接收使用者輸入的交易序號時執行對應交易資訊的交易操作。To sum up, the financial service system of the present disclosure allows the user to open the application in the vicinity of the ATM to receive the beacon ID, transmit the beacon ID to the server, and receive the push message including the branch name information from the server . The user inputs transaction information through push messages and receives the transaction serial number from the server. When the ATM receives the transaction serial number input by the user, the transaction operation corresponding to the transaction information is performed.

雖然本揭露已以實施例揭露如上，然其並非用以限定本揭露，任何所屬技術領域中具有通常知識者，在不脫離本揭露的精神和範圍內，當可作些許的更動與潤飾，故本揭露的保護範圍當視後附的申請專利範圍所界定者為準。Although the present disclosure has been disclosed above with examples, it is not intended to limit the present disclosure. Anyone with ordinary knowledge in the technical field may make some changes and modifications without departing from the spirit and scope of the present disclosure. The scope of protection of the present disclosure shall be determined by the scope of the appended patent application.

100:金融服務系統 110:電子裝置 120:自動櫃員機 130:信標 140:伺服器 200:推播訊息 210:分行名稱資訊 220:交易按鈕 310:提款面額 320:面額選擇按鍵 410:交易序號 510:交易資料100: Financial Services Systems 110: Electronic Devices 120: ATM 130: Beacon 140: Server 200: Push message 210:Branch name information 220: Trade button 310: Withdrawal denomination 320: Denomination selection button 410: Transaction serial number 510: Transaction Information

圖1為根據本揭露一實施例的金融服務系統的方塊圖。圖2到圖5為根據本揭露一實施例的推播訊息的示意圖。FIG. 1 is a block diagram of a financial service system according to an embodiment of the present disclosure. 2 to 5 are schematic diagrams of push messages according to an embodiment of the present disclosure.

200:推播訊息200: Push message

210:分行名稱資訊210:Branch name information

220:交易按鈕220: Trade button

Claims

A financial service system, comprising: an electronic device; an automatic teller machine; a second automatic teller machine, a first withdrawal denomination of the automatic teller machine is different from a second withdrawal denomination of the second automatic teller machine; a beacon, set on an area adjacent to the ATM; a plurality of second beacons disposed in the area; and a server coupled to the electronic device, the ATM, the second ATM and the beacon, the server passing through The beacon and the second beacons calculate a location information of the electronic device, wherein when the electronic device opens an application in the area and receives a beacon ID of the beacon, the application The beacon ID is sent to the server and a push message is received from the server, the push message includes a branch name information corresponding to the beacon ID; when the server determines that the electronic device is related to the electronic device according to the location information When a first distance of the ATM is smaller than a second distance between the electronic device and the second ATM, the push message includes a first input interface corresponding to the first withdrawal denomination; When the information determines that the first distance between the electronic device and the ATM is greater than the second distance between the electronic device and the second ATM, the push message includes a second input interface corresponding to the second withdrawal denomination; the The application receives a transaction information through the push message, and the transaction information sending to the server, and receiving a transaction sequence number from the server; and when the ATM receives the transaction sequence number, the ATM performs a transaction operation corresponding to the transaction information.

The financial service system of claim 1, wherein after the ATM completes the transaction operation, the push message displays a transaction data corresponding to the transaction operation.

The financial service system of claim 1, wherein the transaction operation is performed only after the ATM receives the transaction serial number and completes an identity verification procedure.

The financial service system of claim 3, wherein the identity verification procedure includes a financial card verification procedure and a biometric verification procedure.

The financial service system of claim 1, wherein the transaction serial number is generated through a personal identification code corresponding to the application and a time point information at which the server receives the transaction information.

The financial service system of claim 1, wherein the transaction information includes a withdrawal transaction, the application program receives a withdrawal amount through the push message, and the ATM outputs the withdrawal amount after receiving the transaction serial number of cash.

The financial service system of claim 1, wherein the transaction information includes a deposit transaction, the application program receives a deposit amount through the push message, and the ATM receives the corresponding withdrawal amount after receiving the transaction serial number. cash.

The financial service system of claim 1, wherein the server receives the signal strengths of the beacon and the second beacons through the electronic device and calculates the location information of the electronic device by a triangulation method.

The financial service system of claim 1, wherein the first withdrawal denomination includes NT$1,000, and the second withdrawal denomination includes NT$2,000, NT$1,000, NT$500 and new At least one of one hundred Taiwan dollars.