TW201824130A - System for opening account and applying mobile banking account online and method thereof - Google Patents

Abstract

A system for opening an account and applying a mobile banking account online and a method thereof are provided. By transmitting an identification and registration data from the first client to a bank server via an internet banking server, completing an account opening procedure on the basis of the registration data by the bank server after the bank server verifies the identification, transmitting the application data sent from a second client from the mobile banking server to a certificate management center after the certificate management center verifies a verification data included in the application data, applying a certificate by the certificate management center, transmitting the certificate from the certificate management center to the second client via the mobile banking server, using the certificate to sign the signature data sent from the mobile banking server for generating a data signature by the second client, transmitting the data signature from the second client to the mobile banking server, and completing a register process by the mobile banking server after the certificate management center verifies the data signature, the system and the method can achieve the effect of opening account and applying mobile banking account without going to bank.

Description

System and method for completing an account opening and applying for a mobile bank online

A digital account opening system and method thereof, in particular, a system and method for completing an account opening online and applying for a mobile banking.

In recent years, due to the high development of communication and network-related industries, people are increasingly demanding the electronic and mobileization of various industries, and the improvement of the financial industry in this respect is not lost, except for the provision of online banking. In addition, it also provides mobile banking services, allowing users to use a computer, smart phone and other electronic devices to log in to online banking or mobile banking via the Internet, so that they can directly check and transfer funds on the Internet. Financial transactions such as payment, foreign exchange, and remittance. In this way, users not only do not need to carry a financial card, or even need to leave their location, they can complete the required financial transactions.

However, to use online banking or mobile banking, the prerequisite is to have a physical account or a digital account. However, whether it is a physical account or a digital account, the current bank-side approach requires users to apply. However, the business hours of banks often overlap with the working hours of users, and users are not convenient to open accounts, so they cannot use online banking or mobile banking.

In summary, it can be seen that in the prior art, there has been a long-standing problem that it is necessary to open a cabinet to open an account and use an online bank. Therefore, it is necessary to propose an improved technical means to solve this problem.

In view of the prior art, there is a need to open an account to open an account and use online banking. The present invention discloses a system and method for completing an account opening and applying for a mobile banking on-line, wherein:

The system disclosed in the present invention for completing an account opening and applying for a mobile banking includes at least: a first client for providing input account registration information and identification data, wherein the account opening registration information includes checking data and login data; and online banking The server provides a first client connection for receiving the account registration data and identification data transmitted by the first client; a credential management center; a bank server, providing an online banking server connection for receiving the online banking The account registration data and identification data transmitted by the server, and verify the identification data, and after the verification data is verified, the account opening procedure is completed according to the account opening registration data; the second client is used to provide the input document application information, wherein the certificate The application data includes verification data; the mobile banking server is connected to the bank server and the credential management center, and provides a second client connection for receiving the voucher application data transmitted by the second client, and is in the bank server. When judging that the verification data is consistent with the verification data, the document application information is transmitted to The management center enables the voucher management center to apply for the transaction voucher corresponding to the second client according to the voucher application data, and transmits the transaction voucher to the second client through the mobile banking server, and transmits the signing information to the second client, and Receiving the data signature generated by the second client using the transaction voucher to sign the signed data, and verifying the data signature through the voucher management center, and completing the registration procedure of the mobile bank when the data signature is verified.

The method disclosed in the present invention for completing an account opening and applying for a mobile banking includes at least: the first client is connected to an online banking server; and the first client provides input account opening registration information and identification data, wherein the account opening registration is performed. The information includes the check data and the login data; the first client transmits the identification data and the account registration data to the online banking server; the online banking server transmits the identification data and the account registration data to the bank server; the bank server server verifies Identify the data, and when the identification data passes the verification, complete the account opening procedure according to the account opening registration data; the second client uses the login data to log in to the mobile banking server; the second client provides the input voucher application data, and transmits the voucher application information to the mobile bank The server, wherein the voucher application data includes verification data; when the mobile banking server judges that the verification data and the verification data are consistent by the bank background server, the voucher application data is transmitted to the voucher management center; the voucher management center applies and the second application according to the voucher application data. Transaction certificate corresponding to the client And transmitting the transaction voucher to the second client through the mobile banking server; the mobile banking server transmits the signing information to the second client; the second client uses the transaction voucher to sign the signed data to generate the data signature and transmit the data Signing to the mobile banking server; the mobile banking server verifies the data signature through the voucher management center and completes the mobile banking registration process when the data signature is verified.

The system and method disclosed in the present invention are as above, and the difference between the prior art and the prior art is that the first client can transmit the identification data and the account opening registration data to the bank background server through the online banking server, and the bank background server After the identification data is verified, the account opening procedure can be completed according to the account opening registration data, and the mobile banking server can transmit the voucher application data to the voucher management center after verifying the verification data transmitted by the second client through the bank background server. The management center may apply for the transaction voucher and transmit the requested transaction voucher to the second client through the mobile banking server. The second client may use the transaction voucher to sign the signed information transmitted by the mobile bank and then transmit the signature to the data signature. The mobile banking server, the mobile banking server can complete the mobile banking registration process after verifying the data signature through the bank back-end server, so as to solve the problems existing in the prior art, and can achieve the account opening and online application for the account owner. The technical effect of the bank account.

The features and embodiments of the present invention will be described in detail below with reference to the drawings and embodiments, which are sufficient to enable those skilled in the art to fully understand the technical means to which the present invention solves the technical problems, and The achievable effects of the present invention.

The invention provides a user to apply for a transaction voucher after completing the identity confirmation on the online banking server, thereby using the mobile device to complete the account opening operation in the mobile banking server.

In the following, the system operation of the present invention will be described with reference to the system architecture diagram of the present invention for completing the account opening and applying for the mobile banking. As shown in FIG. 1, the system of the present invention includes a first client 110, an online banking server 120, a bank server 130, a credential management center 150, a second client 160, and a mobile banking server 170. .

The client (including the first client 110 and the second client 160) of the present invention is a computing device. The computing device can include, but is not limited to, one or more processors, memory modules, and bus bars that connect different components, including memory modules and processors. The various servers or hosts (including the online banking server 120, the bank backend server 130, the mobile banking server 170, etc.) of the present invention can all be represented in the form of computing devices.

The processor of the computing device of the present invention is coupled to the bus bar. The processor includes a register group or a scratchpad space, and the register bank or scratchpad space may be entirely on the processing wafer, or alternatively wholly or partially outside the processing wafer and via a dedicated electrical connection and / or directly coupled to the processor via the bus. The processor can be a processing unit, a microprocessor, or any suitable processing element. The client can also be a multi-processor device, so the client can also contain one or more additional processors that are identical or similar and that are coupled and communicated via the bus.

A processor of the computing device is coupled to the chip set. A chipset consists of one or more integrated circuits (ICs) that contain a memory controller and a peripheral input/output (I/O) controller. The chipset typically provides input and memory management functions, as well as providing a plurality of general purpose and/or dedicated registers, timers, etc., wherein the general purpose and/or dedicated registers and timers are coupled to One or more processors of the chipset access or use. In addition, the memory controller and the peripheral input/output controller may be included in one integrated circuit, or may be implemented using two or more integrated circuits.

The processor can access the memory module and the data in the large-capacity storage area through the memory controller. For example, the memory controller can access the data contained in the cache memory or the hard disk drive. The above memory module includes any type of volatile memory and/or non-volatile memory (NVRAM) memory, such as static random access memory (SRAM), dynamic random access. Memory (DRAM), flash memory (Flash), read-only memory (ROM), etc. The mass storage area described above may include any type of storage device, such as a hard disk drive, a compact disc, a tape drive, a flash drive (flash memory), a solid state disk (SSD), or any other storage device. Wait.

The processor can also communicate with peripheral devices or interfaces such as a peripheral device such as a peripheral device, a wireless communication interface, a wired communication interface, and a GPS receiver through a peripheral output/input controller via a peripheral output/input bus. The peripheral output device can be any type of input and output device, such as a keyboard, a mouse, a trackball, a trackpad, a joystick, a display, a printer, and the like. The wireless communication interface can include an interface that supports wireless networks such as Wi-Fi, Bluetooth, infrared, near field communication (NFC), mobile communication networks, or other wireless data transfer protocols. The wired communication interface can be, for example, an Ethernet device, an asynchronous transfer mode (ATM) device, a DSL modem, a cable modem, or the like. The processor can periodically poll various peripheral devices and interfaces to enable the client to input and output data, as well as to communicate with another computing device having the components described above.

The busbar of the computing device can include one or more types, such as a data bus, an address bus, a control bus, an expansion bus, and / or a bus such as a local bus. Busbars for computing devices include, but are not limited to, side-by-side industry standard architecture (ISA) busses, peripheral component interconnect (PCI) busses, video electronic standards associations (VESA) local busses, and tandem universal sequence busses (USB), Fast Peripheral Component Interconnect (PCI-E) bus, etc.

The first client 110 is a device having data processing functions and communication functions, including but not limited to televisions, personal computers, notebook computers, mobile phones, tablets, navigation devices, multimedia players, e-book readers, electronic dictionaries, and automobiles. Computers, TV games, etc.

The first client 110 is responsible for providing input account opening registration information. The account opening registration information provided by the first client 110 includes the check information used to determine the identity of the mobile banking user and the login information of the login mobile bank. The account opening registration data may include the personal data of the account holder in addition to the check information and the login data. The personal data mentioned above includes, but is not limited to, a name, a date of birth, a mobile phone number, an email account, an identity card image, a second document image, etc., and the verification data provided by the present invention may be any number of characters, numbers, symbols. The present invention is not limited in any way, and the login information provided by the present invention may include an account number or a password, and the present invention is not particularly limited.

The first client 110 is also responsible for providing input identification information. The first client 110 can be connected to a card reader (not shown) through a connection line or a bus bar, and connected to the hardware carrier 111 through the card reader, and read by the hardware carrier 111 through the card reader. Identification data. The hardware carrier of the present invention records an item sufficient to verify the identity of the holder, such as a financial card that can perform password verification, a natural person certificate, or a credit card verified by a short message, but the present invention does not limit. The first client 110 may also use the digital certificate to sign the account opening registration data to generate the identification data, wherein the digital certificate provided by the present invention may be an FXML certificate, a financial certificate or the like.

The first client 110 is also connected to the online banking server 120 and is responsible for transmitting the account opening registration information and identification data provided for the input to the online banking server 120. In some embodiments, the first client 110 can also receive the notification message transmitted by the online banking server 120. The notification message transmitted by the bank server 130 received by the first client 110 may generally include a message of successful registration. In addition, the notification message may also include an application for providing a financial transaction (hereinafter referred to as a "transaction application". The download link or download method is indicated, but the invention is not limited thereto.

The online banking server 120 provides a connection to the first client 160 and is coupled to the bank backend server 130. The online banking server 120 is responsible for receiving the identification data transmitted by the first client 110 and the account opening registration data. The online banking server 120 is also responsible for transmitting the received identification data and the account opening registration data to the bank backend server 130.

The bank backend server 130 is responsible for receiving the identification data and the account opening registration data transmitted by the online banking server 120, and is also responsible for verifying the received identification data. In general, the bank server 130 can perform the code verification on the identification data or verify the identification data through the certificate management center 150, but the invention is not limited thereto.

The bank backend server 130 is also responsible for completing the account opening procedure of the entity account and/or the digital account according to the account opening registration data transmitted by the online banking server 120 when the identification data transmitted by the online banking server 120 is verified. For example, the bank background server 130 may read each item of information from the account opening registration data, and then store the read data as one or more records, and execute predetermined business logic when needed to complete the account opening. program.

In some embodiments, the bank server 130 may also generate a notification message and transmit the generated notification message to the first client 110 and/or when the identification data transmitted by the online banking server 120 is verified. The second client 160. The bank server 130 can transmit the notification message to the first client via SMS, instant messaging, email, etc. according to the mobile phone number, instant messaging account, email address and the like in the account registration data transmitted by the online banking server 120. End 110 and/or second client 160, but the invention is not limited thereto.

The bank backend server 130 is also responsible for receiving the login data and verification data transmitted by the mobile banking server 170. The bank background server 130 is responsible for determining whether the login data transmitted by the mobile banking server 170 matches the verification data in the account registration data transmitted by the online banking server 120, and generates a corresponding judgment result after the judgment, and The generated judgment result is transmitted back to the mobile banking server 170. Similarly, the bank backend server 130 is also responsible for comparing the verification data received from the mobile banking server 170 with the verification data received from the online banking server 120, and generating the correlation after the comparison. Corresponding alignment results are passed and the resulting comparison results are passed back to the mobile banking server 170.

The credential management center can be connected to the bank backend server 130 and the mobile banking server. The voucher management center 150 may include one or more servers or computing devices for performing transaction voucher application, extension, password change, etc., and verifying the data signature. In some embodiments, the credential management center 150 can include a credential registration authority (RA) 151 and/or a credential verification host 152.

The voucher management center 150 is responsible for requesting the transaction voucher corresponding to the second client 160 according to the voucher application data transmitted by the action banking server 170, and transmitting the applied transaction voucher to the second client 160 through the mobile banking server 170. . In general, the voucher management center 150 can read the necessary information from the received voucher application data through the included voucher registration host 151, and transmit the read data to a certificate authority (CA) 180. The transaction voucher is applied, and the transaction voucher signed and returned by the voucher publishing center 180 is received.

In some embodiments, the credential management center 150 may receive the credential password transmitted by the second client 160 through the mobile banking server 170, and encrypt the transaction credential corresponding to the second client 160 according to the received credential password. The encrypted transaction credentials are then transmitted to the second client 160 via the mobile banking server 170. The transaction password provided by the present invention may be arbitrarily arranged by any number of characters such as letters, numbers, symbols, etc., and the present invention is not particularly limited.

The credential management center 150 can also receive the data signature transmitted by the mobile banking server 170 and verify the received data signature. The credential management center 150 may also generate a verification result of the data signature and transmit the generated verification result back to the mobile banking server 170. In general, the credential management center 150 can verify the received data signature through the credential verification host 152 and generate a corresponding verification result, but the invention is not limited thereto.

In some embodiments, the credential management center 150 may receive the device identification data of the second client 160 transmitted by the mobile banking server 170, and may join the second client 160 at the transaction credential received from the credential issuing center 180. The device identifies the data so that the device identification data of the second client 160 becomes the device confirmation data in the transaction voucher. The voucher management center 150 can also receive the device identification data transmitted by the mobile banking server 170 when transmitting the data signature, and compare the device identification in the transaction voucher corresponding to the second client 160 when verifying the data signature. The data and the device identification data transmitted by the mobile banking server 170 are consistent. If they do not match, it indicates that the data signature has not been verified. The device identification data of the second client 160 is specific to the second client 160, and can be used to identify the data of the second client 160, including but not limited to the factory serial number of the second client 160, and the second client 160. The serial number of one or more components, the network card number of the second client 160, the identification code provided by the credential management center 150 to the second client 160, and the like.

In addition, the voucher management center 150 may also connect to the voucher issuing center 180 to query the voucher status of the transaction voucher possessed by the second client 160 before verifying the received data signature, and indicate that the transaction voucher is valid in the voucher status. At the same time, the data signature is re-verified. If the voucher status indicates that the transaction voucher is invalid, for example, has expired, the voucher management center 150 may generate a verification result of the verification failure without verifying the data signature.

The second client 160 is also a device with data processing function and communication function, including but not limited to a notebook computer, a mobile phone, a tablet, a navigation device, an e-book reader, an electronic dictionary, a car computer, a walkman, a palm-type amusement device. And so on.

The second client 160 can be connected to the mobile banking server 170 and log into the mobile banking server 170 using the login information in the incoming account registration data provided by the first client 110. The second client 160 can also receive the notification message directly or indirectly transmitted by the online banking server 120 or the mobile banking server 170, and can follow the notification message and action transmitted by the online banking server 120 or the mobile banking server 170. Internet Banking 170 is connected. For example, the second client 160 can download and install the transaction application according to the notification message, and connect to the voucher management center 150 through the transaction application after executing the transaction application.

The second client 160 is responsible for providing input voucher application materials. The voucher application data provided by the present invention may include verification data for verifying the identity of the mobile banking user. In some embodiments, the voucher application information may also include applicant information required to apply for the voucher. The verification data may be arbitrarily arranged by any number of characters, numbers, symbols, etc., and the invention is not particularly limited, and the applicant information may include a name, a date of birth, a mobile phone number, an email address, etc., but The invention is not limited to this.

The second client 160 is also responsible for transmitting the entered voucher application data to the mobile banking server 170. The second client 160 can also transmit the device identification data along with the voucher application data to the mobile banking server 170. In some embodiments, the second client 160 can execute a transaction application, and the transaction application can display an input interface (not shown) of the voucher application data, and transmit the input voucher application data to the mobile banking server. 170. The application for the transaction voucher is performed, and the transaction application can also obtain the device identification data of the second client 160, and send the device identification data of the obtained second client 160 together with the input voucher application data. Go to the mobile banking server 170.

The second client 160 is also responsible for receiving transaction credentials transmitted by the credential management center 150 via the mobile banking server 170. In some embodiments, the second client 160 provides the entered voucher application data to include the voucher password, so that the transaction voucher returned by the voucher management center 150 is encrypted by the voucher password in the voucher application data, such that the second client 160 also needs to provide the input credential password again when using the transaction credential, and decrypt the transaction credential using the entered credential password. The certificate password may be arbitrarily arranged by any number of characters such as letters, numbers, symbols, etc., and the present invention is not particularly limited.

The second client 160 is also responsible for signing the signature of the signed data provided by the mobile banking server 170 using the transaction voucher applied by the voucher management center 150, and generating a corresponding data signature after the signature, the second client 160 It is also responsible for transmitting the generated data signature to the mobile banking server 170. The second client 160 can sign the signed data through the security control component (not shown) in the installed and executed transaction application, but the invention is not limited thereto. In some embodiments, the second client 160 can transmit the device identification data of the second client 160 to the mobile banking server 170 when transmitting the data signature to the mobile banking server 170.

The mobile banking server 170 is coupled to the bank backend server 130 and the credential management center 150 and provides a second client 160 connection. The mobile banking server 170 is responsible for receiving the login data transmitted by the second client 160, and is responsible for transmitting the received login data to the bank server 130 to determine whether the second client 160 can log in. If the judgment result returned by the bank server 130 indicates that the login data does not match, the mobile banking server 170 may generate a login message indicating that the login data is incorrect, and transmit the generated login message back to the second client 160 for display. Alternatively, after the login data transmitted by the second client 160 is continuously determined by the bank background server 130 to be a certain number of times of non-conformity, the login of the second client 160 is rejected. If the result of the judgment returned by the bank server 130 indicates that the login data matches, the mobile banking server 170 may allow the second client 160 to log into the mobile banking server 170.

The mobile banking server 170 is also responsible for receiving the voucher application data transmitted by the second client 160, and is responsible for judging the verification information in the voucher application data transmitted by the second client 160 through the bank background server 130 and receiving the online banking from the online banking server. Whether the verification data in the account registration data of the server 120 matches, and is responsible for judging that the received verification data matches the received verification data according to the comparison result returned by the bank background server 130, The voucher application data transmitted by the second client 160 is transmitted to the voucher management center 150. If the comparison result returned by the bank server 130 indicates that the received verification data does not match the received verification data, the mobile banking server 170 may generate a message indicating that the verification data is incorrect, and The generated message is sent back to the second client 160 for display, or may be stopped after the bank server 130 determines that the verification data transmitted by the second client 160 does not match the verification data for a certain number of consecutive times. End 160.

The mobile banking server 170 is also responsible for pre-storing or generating the signature information provided to the second client 160 in advance, and can receive the data signature (and device identification data) transmitted by the second client, and will receive the second data received. The data signature (and device identification data) of the client 160 is transmitted to the credential management center 150 to verify the data signature transmitted by the second client 160 through the credential management center 150.

The mobile banking server 170 is also responsible for completing the registration procedure of the mobile banking when the data signature transmitted by the second client 160 is verified by the credential management center 150. In more detail, the mobile banking server 170 can receive the verification result corresponding to the data signature returned by the certificate management center 150, and generate a signature when the received verification result indicates that the data signature has not passed the verification. Verifying the failed prompt message and transmitting the generated prompt message back to the second client 160 for display; and the mobile banking server 170 can execute the predetermined business logic when the received verification result indicates that the data signature is verified. The data signature is stored to complete the registration process for the Mobile Bank.

The operation system and method of the present invention are explained by using an embodiment. Please refer to the "2A" diagram of the method for applying for a mobile banking account online and the "B2B". Flow chart of the method of opening an account in the mobile banking. In this embodiment, it is assumed that the first client 110 is a personal computer and the second client 160 is a smart phone, but the invention is not limited thereto.

First, the first client 110 can connect to the online banking server 120 (step 201). In this embodiment, it is assumed that the user can operate the first client 110 to connect to the online banking server 120, and the online banking server 120 can transmit the webpage filling the account opening registration information to the first client 110 for display.

Next, the first client 110 can provide input account opening registration data and identification data (step 210). In this embodiment, if the user has a financial card on the bank side, that is, the user is a bank old user, the user can upload the identity card and the second certificate according to the prompt in the webpage displayed by the first client 110. Image, input the account password and check data of the mobile bank to complete the input of the account opening registration data, and connect the first client 110 and the card reader, and insert the wafer financial card (hardware carrier 111) into the card reader. The first client 110 can read the identification data recorded by the chip financial card through the card reader, wherein the user may need to input the password of the chip financial card in the webpage displayed by the first client 110, so that the card reader The identification data recorded by the chip financial card can be decrypted according to the entered password. If the user does not have a financial card at the bank, for example, if the user is a new bank account, the user has to upload the identity card and the image of the second document, and input the mobile bank account password and check data to complete the input of the account opening registration data. In addition, the first client 110 can also be operated to sign the account registration data with the digital certificate, and the first client 110 can use the result generated by the signature as the identification data.

After the first client 110 transmits the input account registration data and the identification data to the online banking server 120 (step 219), the online banking server 120 may receive the account registration data received from the first client 110 and The identification data is transmitted to the bank backend server 130.

After receiving the account opening registration data and the identification data transmitted by the online banking server 120, the bank background server 130 can determine whether the received identification data has passed the verification (step 220). In this embodiment, if the identification data is that the first client 110 is read by the hardware carrier 111, the bank background server 130 may perform the code verification on the identification data, and may correspondingly generate the corresponding verification. The verification result is passed back to the online banking server 120. If the other data is generated by the first client 110 using the digital certificate, the bank background server 130 can verify the identification data through the credential management center 150, and the credential management center 150 can generate the verification result after verification, and the background server is provided by the bank. The processor 130 passes the verification result back to the online banking server 120. In this way, the online banking server 120 can determine whether the identification data transmitted by the first client 110 passes the verification according to the verification result returned by the bank server 130, and if the verification result received by the online banking server 120 indicates If the identification data is not verified by the bank server 130, the online banking server 120 may generate a verification response message indicating that the verification failed, and transmit the generated verification response message to the first client 110, so that the first client 110 re-transmitting the account opening registration data and the identification data (step 210), or rejecting the first client after determining that the identification data transmitted by the first client 110 cannot be verified by the bank background server 130 for a certain number of consecutive times. 110 application.

If the bank server 130 determines that the identification data of the online banking server 120 has passed the verification, the bank background server 130 can complete the account opening procedure according to the account opening registration information transmitted by the online banking server 120 (step 230).

After the bank backend server 130 completes the account opening process, the bank backend server 130 may generate a notification message and transmit the generated notification message to the first client 110 or the second client 160 (step 240). In this embodiment, it is assumed that the bank server 130 can transmit the notification message indicating that the registration is successful to the user of the first client 110 and the second client 160 by email according to the email address in the account registration data. The email server enables the first client 110 and/or the second client 160 to connect to the email server to download the notification message transmitted by the bank server 130 and display the notification message to the user for browsing. The bank background server 130 may also transmit the notification message indicating that the registration is successful to the user's mobile phone (the second client 160) according to the mobile phone number in the account registration data.

Thereafter, the second client 160 can connect to the mobile banking server 170 and log in to the mobile banking server 170 using the login data in the entered account registration data provided by the first client 110 (step 251). In this embodiment, it is assumed that the notification message transmitted by the online banking server 120 or the mobile banking server 170 includes the downloading method of the transaction application. If the second client 160 does not have the transaction application installed, the user can The second client 160 is operated to download and install the transaction application according to the download mode described in the notification message. If the second client 160 has installed the transaction application, or the second client 160 completes the installation of the transaction application, when the second client 160 executes the transaction application, the transaction application can obtain the second client 160. The device identification data can also be requested by the user to input the login information, such as the account password. After the user correctly enters the login information in the account registration data, the transaction application can log into the mobile banking server 170.

After the second client 160 successfully logs into the mobile banking server 170, the second client 160 can provide input voucher application information and transmit the entered voucher application data to the mobile banking server 170 (step 255). In this implementation, it is assumed that when the user operates the second client 160 to select to execute the issued transaction voucher in the transaction application, the transaction application can display an input interface of the voucher application data, thereby providing the user to input the voucher application data, and After the user completes the input of the voucher application data, the voucher application data input by the user and the obtained device identification data are transmitted to the mobile banking server 170.

After the mobile banking server 170 receives the voucher application data transmitted by the second client 160, the mobile banking server 170 may transmit the verification data received from the voucher application data of the second client 160 to the bank server 130. And determining, by the bank background server 130, whether the verification data received from the second client 160 matches the verification data in the account opening registration data provided by the first client 110 (step 260). If the bank server 130 determines that the verification data does not match the verification data, the mobile banking server 170 may generate a verification response message indicating that the verification has not passed the verification, and may transmit the generated verification response message to the second client. The second client 160 displays a message indicating that the verification data is incorrect. The mobile banking server 170 may also refuse the service after the verification data does not match the verification data transmitted by the second client 160 for a predetermined number of times. Two clients 160.

If the bank server 130 determines that the verification data matches the verification data, the mobile banking server 170 may transmit the received voucher application data to the voucher management center 150 (step 271).

After the voucher management center 150 receives the voucher application data transmitted by the mobile banking server 170, the voucher management center 150 can connect to the voucher issuing center 180 to apply for the transaction voucher corresponding to the second client 160, and use the mobile banking server. The merchant 170 transmits the requested transaction voucher to the second client 160 (step 275). In this embodiment, it is assumed that the voucher management center 150 includes a voucher registration host 151, and the voucher registration host 151 can transmit the necessary information in the voucher application data received from the mobile banking server 170 to the voucher issuing center 180, thereby applying and second. The transaction voucher corresponding to the client 160 can be added to the transaction voucher corresponding to the second client 160 after the voucher issuing center 180 issues the transaction voucher corresponding to the second client 160. The device identification information of the second client 160 causes the device identification data added to the transaction voucher to become the device confirmation data of the transaction voucher, and the transaction voucher can be transmitted to the mobile banking server 170, so that the mobile banking server 170 will execute the transaction voucher. The transaction application is forwarded to the second client 160 to allow the transaction application to store the received transaction credentials.

In fact, when the mobile banking server 170 transmits the transaction certificate applied by the voucher management center 150 to the second client 160, the signature data may also be transmitted to the second client 160 (step 281).

The second client 160 can use the transaction credentials received from the credential management center 150 to sign the signed data transmitted by the mobile banking server 170 to generate a corresponding data signature, and transmit the generated data signature to the action. Bank server 170 (step 285).

After the mobile banking server 170 receives the data signature transmitted by the second client 160, the mobile banking server 170 can verify the received data signature through the credential management center 150. In this embodiment, it is assumed that the credential management center 150 includes a credential verification host 152, and the mobile banking server 170 can transmit the signature data, the data signature, and the device identification data received from the second client 160 to the credential verification host 152. Thereafter, the credential verification host 152 may first determine whether the device confirmation data in the transaction voucher corresponding to the second client 160 is the same as the device identification data received from the mobile banking server 170, and if the device confirmation data is different from the device identification data, The voucher verification host 152 can generate a verification result indicating that the data signature has not passed the verification, and if the device confirmation data is the same as the device identification data, the voucher verification host 152 can connect to the voucher issuing center 180 to query the transaction corresponding to the second client 160. Whether the voucher is valid, if the transaction voucher corresponding to the second client 160 is invalid, the voucher verification host 152 may generate a verification result indicating that the data signature has not passed the verification, and if the transaction voucher corresponding to the second client 160 is valid, then The credential verification host 152 can be based on the signature received from the mobile banking server 170. Materials and information 160 corresponding to the second client transaction certificate to verify the signature received, and based on whether the signature data is verified, the signature data generated indicates authenticated or verified by the verification result.

After the voucher management center 150 verifies the data signature transmitted by the mobile banking server 170, the mobile banking server 170 may complete the registration procedure of the mobile banking when determining that the data signature is verified by the voucher management center 150 (step 290). In this embodiment, after receiving the verification result corresponding to the data signature returned by the credential verification host 152, the mobile banking server 170 may determine whether the data signature has passed the verification according to the verification result, and if the data signature fails. In the verification, the mobile banking server 170 may generate a prompt message that the signature has not passed the verification, and may transmit the generated prompt message to the second client 160 for display or refuse to serve the second client 160. And if the data signature is verified, the mobile banking server 170 can complete the registration procedure of the mobile banking. In this way, the user can complete the account opening operation of the digital account online, and no longer need to open an account.

In summary, it can be seen that the difference between the present invention and the prior art is that the first client can transmit the identification data and the account opening registration data to the bank background server through the online banking server, and the bank background server can identify the data. After verification, the account opening procedure is completed according to the account opening registration data, and the mobile banking server can transmit the voucher application data to the voucher management center after verifying the verification data transmitted by the second client through the bank server, and the voucher management center can apply. Transaction vouchers and the transaction vouchers sent to the second client through the mobile banking server, the second client can use the transaction vouchers to sign the signed data transmitted by the mobile banking, and then transmit to the data signature mobile banking server The mobile banking server can complete the mobile banking registration procedure after verifying the data signature through the bank back-end server. By means of this technical means, the prior art can be solved to open an account and use online banking. Problem, and then reach the account owner online Household operations and application technology efficacy bank account.

Furthermore, the method for completing an account opening and applying for a mobile banking in the present invention can be implemented in a combination of hardware, software or a combination of hardware and software, or can be implemented in a centralized manner in a computer system or distributed in a plurality of different components. The decentralized implementation of interconnected computer systems.

While the embodiments of the present invention have been described above, the above description is not intended to limit the scope of the invention. Any modification of the form and details of the practice of the present invention, which is a matter of ordinary skill in the art to which the present invention pertains, is a patent protection of the present invention. range. The scope of the invention is to be determined by the scope of the appended claims.

110‧‧‧First client

111‧‧‧ hardware carrier

120‧‧‧Internet Banking Server

130‧‧‧Bank back-end server

150‧‧‧Voucher Management Center

151‧‧‧Voucher registration host

152‧‧‧Voucher verification host

160‧‧‧Second client

170‧‧‧Mobile Bank Server

180‧‧‧Voucher Publishing Center

Step 201‧‧‧Connect the first client to the online banking server

Step 210‧‧‧ The first client provides input account registration information and identification data

Step 218‧‧‧ The first client transmits the identification data and the account registration data to the online banking server

Step 219‧‧‧ The online banking server transmits the identification data and the account registration data to the bank server

Step 220‧‧‧ Bank server determines whether the identification data has passed verification

Step 230‧‧‧The bank server completes the account opening procedure based on the account registration information

Step 240‧‧‧Bank server sends notification message

Step 251‧‧‧Second client connection to mobile banking server

Step 255‧‧‧ The second client provides input of the voucher application information and transmits the voucher application information to the mobile banking server

Step 260‧‧‧ The mobile banking server determines whether the verification data matches the verification data through the bank server

Step 271‧‧‧ Mobile Bank Server transmits the voucher application information to the Voucher Management Center

Step 275‧‧ The voucher management center applies for the transaction voucher corresponding to the second client, and transmits the transaction voucher to the second client through the mobile banking server

Step 281‧‧‧ Mobile banking server transmits the signed data to the second client

Step 285‧‧‧ The second client uses the transaction voucher to sign the signed data to generate the data signature, and transmits the signed information and data signature to the mobile banking server

Step 290‧‧ The mobile banking server verifies the data signature through the voucher management center and completes the mobile banking registration process when the data signature is verified

The first figure is a system architecture diagram of the invention for completing an account opening online and applying for a mobile banking. 2A is a flow chart of a method for opening an account online by the present invention. FIG. 2B is a flow chart of a method for applying for an online mobile bank in accordance with the present invention.

Claims (10)

A system for opening an account online and applying for a mobile banking system, the system comprising: a first client for providing an account opening registration information and an identification data, wherein the account opening registration data includes a verification data and a login data An online banking server providing the first client connection for receiving the account opening registration data and the identification data transmitted by the first client; a credential management center; a bank background server providing the network The bank server connection is configured to receive the account registration data and the identification data transmitted by the online banking server, and verify the identification data, and after the verification data is verified, according to the account registration data. a second client for providing input of a voucher application data, wherein the voucher application data includes a verification data; and a mobile banking server, connected to the bank server and the voucher management center, and provided The second client is connected to receive the voucher application data transmitted by the second client, and is in silver When the background server determines that the verification data is consistent with the verification data, transmitting the voucher application data to the voucher management center, so that the voucher management center applies for one transaction voucher corresponding to the second client according to the voucher application data, and Transmitting the transaction voucher to the second client via the mobile banking server, and transmitting a signing data to the second client, and receiving the second client to sign the signed data using the transaction voucher A data signature is generated, and the data signature is verified by the certificate management center, and the registration procedure of the mobile bank is completed when the data signature is verified. The system for completing an account opening and applying for a mobile banking as described in item 1 of the patent application scope, wherein the first client uses a digital certificate to sign the account opening registration data to generate the identification data, or by a hard The identification data is read in the body carrier. The system for completing an account opening and applying for a mobile banking as described in claim 1 of the patent application, wherein the voucher management center is further configured to add a device confirmation data to the transaction voucher, wherein the device confirms that the data is the second customer. One of the devices recognizes the data. The system for completing an account opening and applying for a mobile banking as described in claim 1 of the patent application scope, wherein the credential management center is further configured to receive a device identification data transmitted by the mobile banking server, and verify the data signature And determining whether one of the device confirmation materials in the transaction voucher matches the device identification data. The system for opening an account online and applying for a mobile banking, as described in claim 1, wherein the bank server is further configured to generate a notification message when the identification data is verified, and the second client is further used. Download and install an application based on the notification message to connect to the mobile banking server through the application. The system for completing an account opening and applying for a mobile banking, as described in claim 1, wherein the second client further includes a security control component for signing the signed information using the transaction voucher to generate the Information signature. A method for completing an account opening online and applying for a mobile banking, the method comprising at least the following steps: a first client connecting to an online banking server; the first client providing inputting an account opening registration information and an identification data, The account registration information includes a check data and a login data; the first client transmits the identification data and the account registration data to the online banking server; the online banking server transmits the identification data and the account registration The data is sent to a bank server; the bank server verifies the identification data, and when the identification data passes the verification, the account opening procedure is completed according to the account opening registration data; and the second client uses the login data to log in to the mobile banking server. The second client provides input of a voucher application data, and transmits the voucher application data to the mobile banking server, wherein the voucher application data includes a verification data; the mobile banking server determines the network server through the bank server When the verification data matches the verification data, the document application information is transmitted to a management center; the voucher management center applies, according to the voucher application data, a transaction voucher corresponding to the second client, and transmits the transaction voucher to the second client through the mobile banking server; the mobile banking server transmits one Signing the information to the second client; the second client uses the transaction voucher to sign the signed data to generate a data signature, and transmits the data signature to the mobile banking server; and the mobile banking server The device verifies the data signature through the voucher management center, and completes the registration process of the mobile bank when the data signature is verified. The method for inputting the account and applying for the action bank on the line as described in claim 7 of the patent application, wherein the step of the first client providing the input of the identification data is performed by the first client using the digital certificate to perform the account registration data. Signing to generate the identification data, or the first client reads the identification data from a hardware carrier. The method for completing an account opening and applying for an action bank online as described in item 7 of the patent application scope, wherein the method further comprises the bank background server after the step of the bank server completing the account opening procedure according to the account opening registration data. A notification message is generated, and the second client downloads and installs an application according to the notification message. The method for verifying the signing of the data through the voucher management center, and the method for receiving the action bank by the voucher management center, as described in claim 7 The server transmits a device identification data, and determines a step of the device confirmation data and the device identification data included in the transaction certificate.