TWM656748U - Financial transaction protection system for the elderly based on external authorization - Google Patents

Abstract

A financial transaction protection system for the elderly based on external authorization includes: an ATM, a financial transaction server, a bank external server and an authorizer mobile device. The financial transaction server further includes: an account database, a query module, a short message generation module and a transaction verification module. The ATM is connected to the financial transaction server, the financial transaction server is connected to the bank external server, the bank external server is connected to the authorizer mobile device, the account database is connected to the query module, the query module is connected to the short message generation module, the short message generation module is connected to the transaction verification module. The ATM provides a financial transaction request to the financial transaction server. When the withdrawal/transfer amount is greater than or equal to the amount threshold, an authorization SMS or authorization request is generated. The authorization SMS authorization request is provided to the corresponding authorizer's mobile device through the bank's external server. The authorizer's mobile device feeds back the authorization password or authorization response to the financial transaction server through the bank's external server, so that the financial transaction request is verified to proceed with the subsequent financial transaction process. This can achieve the technical effect of providing financial transaction protection for the elderly based on external authorization.

Description

Financial transaction protection system for the elderly based on external authorization

A financial transaction protection system, in particular, a financial transaction protection system for the elderly that provides external authorization through an external authorizer mobile device.

Taiwan has entered an aging society and is experiencing a declining birthrate. As the body functions of the elderly gradually decline, they are less alert to fraud than young people. When the elderly suffer losses due to fraudulent withdrawals from their accounts, large withdrawals at one time, or transfers to non-agreed accounts, their families will use the bank's interbank warning account mechanism to freeze the dummy account of the suspected fraud group, but it is often too late. Therefore, a new mechanism is needed to protect the security of the elderly's financial transactions.

In summary, it can be seen that the previous technology has long lacked a protection mechanism for the financial transactions of the elderly, so it is necessary to propose improved technical means to solve this problem.

In view of the problem that the previous technology lacks a protection mechanism for the financial transactions of the elderly, this invention discloses a financial transaction protection system for the elderly based on external authorization, in which:

The first implementation of the financial transaction protection system for the elderly based on external authorization disclosed in this invention includes: an automated teller machine (ATM), a financial transaction server, a bank external server and an authorizer mobile device. The financial transaction server further includes: an account database, a query module, a short message generation module and a transaction verification module.

The ATM provides a financial transaction request, which at least includes the senior citizen's bank account and the withdrawal/transfer amount.

The financial transaction server is connected to the ATM and the bank's external server via an internal network to receive financial transaction requests from the ATM and authorization passwords from the bank's external server.

An account database correspondingly stores the bank account of the elderly, the amount threshold and the mobile device information of the authorizer; a query module queries the corresponding amount threshold and the mobile device information of the authorizer from the account database according to the bank account of the elderly in the financial transaction request; a text message generation module generates an authorization text message when it is determined that the withdrawal/transfer amount in the financial transaction request is greater than or equal to the queried amount threshold, and the authorization text message includes the queried mobile device information of the authorizer, the one-time password and the authorization link; and a transaction verification module, when it is determined that the authorization password is consistent with the one-time password, the financial transaction request passes the verification to carry out the subsequent financial transaction process.

The bank's external server provides a financial transaction server to send an authorization SMS to the authorizer's mobile device corresponding to the authorizer's mobile device information, and the authorization password received from the authorizer's mobile device.

The authorizer's mobile device clicks the authorization link in the authorization SMS to connect to the authorization page, and enters and sends the authorization password to the bank's external server on the authorization page.

The second implementation of the invention discloses a financial transaction protection system for the elderly based on external authorization, which includes: an ATM, a financial transaction server, a bank external server and an authorizer mobile device. The financial transaction server further includes: an account database, a query module, a request generation module and a transaction verification module.

The ATM provides a financial transaction request, which at least includes the senior citizen's bank account and the withdrawal/transfer amount.

The financial transaction server is connected to the ATM and the bank's external server via an internal network to receive financial transaction requests from the ATM.

An account database stores the bank accounts, amount thresholds and bank mobile verification APP identification information of the elderly in a corresponding manner; a query module queries the corresponding amount threshold and bank mobile verification APP identification information from the account database according to the bank account of the elderly in the financial transaction request; a request generation module generates an authorization request when it is determined that the withdrawal/transfer amount in the financial transaction request is greater than or equal to the queried amount threshold; and a transaction verification module, when an authorization response is received from the bank's external server, the financial transaction request passes the verification to proceed with the subsequent financial transaction process.

The bank's external server provides the financial transaction server with the ability to push authorization requests to the bank's mobile verification app corresponding to the bank's mobile verification app identification information, and receive authorization responses from the bank's mobile verification app.

The bank's mobile verification app is installed and executed on the authorizer's mobile device. The authorizer's mobile device receives the authorization request from the bank's external server and directs it to the bank's mobile verification app, which then feeds back the authorization response to the bank's external server.

The system disclosed in this invention is as above. The ATM provides a financial transaction request to the financial transaction server. When the withdrawal/transfer amount is greater than or equal to the amount threshold, an authorization SMS or authorization request is generated. The authorization SMS or authorization request is provided to the corresponding authorizer mobile device through the bank's external server. The authorizer mobile device feeds back the authorization password or authorization response to the financial transaction server through the bank's external server, so that the financial transaction request is verified to carry out the subsequent financial transaction process.

Through the above-mentioned technical means, this creation can achieve the technical effect of providing financial transaction protection for the elderly based on external authorization.

The following will be used in conjunction with diagrams and embodiments to explain in detail the implementation of this invention, so that the invention can fully understand how to apply technical means to solve technical problems and achieve technical effects and implement them accordingly.

The following will explain the first implementation of the financial transaction protection system for the elderly based on external authorization disclosed in this creation, and please refer to "Figure 1", which is a system block diagram of the first implementation of the financial transaction protection system for the elderly based on external authorization disclosed in this creation.

The first implementation of the financial transaction protection system for the elderly based on external authorization disclosed in this invention includes: an automated teller machine (ATM) 10, a financial transaction server 20, a bank external server 30 and an authorizer mobile device 40. The financial transaction server 20 further includes: an account database 21, a query module 22, a short message generation module 23 and a transaction verification module 24.

Please refer to "Figure 2", which shows the system architecture diagram of the first implementation of the financial transaction protection system for the elderly based on external authorization.

The ATM 10 provides a financial transaction request 51, which at least includes the bank account of the senior citizen and the withdrawal/transfer amount.

The financial transaction server 20 is connected to the ATM 10 and the bank external server 30 via an internal network. The financial transaction server 20 pre-establishes an account database 21. The account database 21 stores the bank account of the elderly, the amount threshold, and the mobile device information of the authorizer. When the financial transaction server 20 receives a financial transaction request 51 from the ATM 10, When the query module 22 queries the corresponding amount threshold and the authorizer mobile device information from the account database 21 according to the bank account of the elderly in the financial transaction request 51, the aforementioned amount threshold is the upper limit amount of non-agreed account transfer or the amount set through the authorizer mobile device 40, which is only used as an example here and does not limit the scope of application of the present invention.

Next, when the SMS generation module 23 determines that the withdrawal/transfer amount in the financial transaction request 51 is greater than or equal to the queried amount threshold, the SMS generation module 23 generates an authorization SMS 52. It is worth noting that the authorization SMS 52 includes the queried authorizer's mobile device information, the one-time password, and the authorization link.

After the SMS generation module 23 generates the authorization SMS 52, the authorization SMS 52 generated by the financial transaction server 20 is sent to the authorizer mobile device 40 corresponding to the authorizer mobile device information via the bank external server 30.

The authorization link in the authorization SMS 52 is clicked and triggered on the authorizer's mobile device 40 to connect to the authorization page. On the authorization page, the authorization password 53 is input and sent to the bank's external server 30. The bank's external server 30 receives the authorization password 53 from the authorizer's mobile device 40. The financial transaction server 20 then receives the authorization password 53 from the bank's external server 30. When the transaction verification module 24 determines that the authorization password 53 is consistent with the one-time password, the financial transaction request 51 passes the verification to proceed with the subsequent financial transaction process.

The following is a process that can be appropriately changed in the above process and is in line with the above complete process. The account database 21 further includes corresponding storage of the elderly's bank account, amount threshold, authorizer mobile device information and default password. The SMS generation module 23 generates an authorization SMS 52 from the authorizer mobile device information, default password instructions (for example: please click on the authorization link and enter the default password, which is only an example and does not limit the scope of application of the present invention) and the authorization link. When the transaction verification module 24 determines that the authorization password is consistent with the default password, the financial transaction request 51 is verified to proceed with the subsequent financial transaction process.

The following will explain the second implementation of the financial transaction protection system for the elderly based on external authorization disclosed in this creation, and please refer to "Figure 3", which is a system block diagram of the second implementation of the financial transaction protection system for the elderly based on external authorization of this creation.

The second implementation of the financial transaction protection system for the elderly based on external authorization disclosed in the present invention includes: an ATM 10, a financial transaction server 20, a bank external server 30 and an authorizer mobile device 40. The financial transaction server 20 further includes: an account database 21, a query module 22, a request generation module 25 and a transaction verification module 24.

Please refer to "Figure 4", which shows the system architecture diagram of the second implementation of the financial transaction protection system for the elderly based on external authorization.

The ATM 10 provides a financial transaction request 51, which at least includes the bank account of the senior citizen and the withdrawal/transfer amount.

The financial transaction server 20 is connected to the ATM 10 and the bank external server 30 via an internal network. The financial transaction server 20 pre-establishes an account database 21. The account database 21 stores the bank account, amount threshold, and bank mobile verification APP identification information of the elderly. When the financial transaction server 20 receives a financial transaction request 51 from the ATM 10, When the query module 22 queries the corresponding amount threshold and bank mobile verification APP identification information from the account database 21 according to the bank account of the elderly in the financial transaction request 51, the aforementioned amount threshold is the upper limit amount of non-agreed account transfer or the amount set by the authorizer mobile device 40, which is only used as an example here, and does not limit the scope of application of the present invention.

Next, when the request generation module 25 determines that the withdrawal/transfer amount in the financial transaction request 51 is greater than or equal to the queried amount threshold, the request generation module 25 generates an authorization request 54. After the request generation module 25 generates the authorization request 54, the authorization request 54 generated by the financial transaction server 20 is pushed to the bank mobile verification APP 41 corresponding to the bank mobile verification APP identification information through the bank external server 30. It is worth noting that the bank mobile verification APP 41 is installed and executed on the authorizer mobile device 40. For a schematic diagram of the bank mobile verification APP 41, please refer to "Figure 5", which is a schematic diagram of the bank mobile verification APP of the second implementation of the elderly financial transaction protection system based on external authorization in this creation.

The authorizer mobile device 40 receives the authorization request 54 from the bank's external server 30 to guide it to the bank's mobile verification APP 41, and the bank's mobile verification APP 41 feeds back the authorization response 55 to the bank's external server 30. The bank's external server 30 receives the authorization response 55 from the authorizer mobile device 40, and the financial transaction server 20 receives the authorization response 55 from the bank's external server 30. When the financial transaction server 20 receives the authorization response 55 from the bank's external server 30, the transaction verification module 24 passes the verification of the financial transaction request 51 to proceed with the subsequent financial transaction process.

The following is a process that can be appropriately changed in the above process and is in line with the above complete process. The account database 21 further includes corresponding storage of the elderly's bank account, amount threshold and third-party mobile verification APP identification information. The bank's external server 30 provides the financial transaction server 20 with a push of the authorization request to the third-party mobile verification APP corresponding to the third-party mobile verification APP identification information. The third-party mobile verification APP is installed and executed on the authorizer's mobile device 40. The authorizer's mobile device 40 receives the authorization request 54 from the bank's external server 30 to guide it to the third-party mobile verification APP, and the third-party mobile verification APP feeds back the authorization response 55 to the bank's external server 30.

The ATM 10, the financial transaction server 20, the bank external server 30 and the authorizer mobile device 40 in the first embodiment and the second embodiment are all different forms of computing devices.

Please refer to “Figure 6”, which is a schematic diagram of the components of the computing device proposed in this work.

The computing device mentioned in the present invention includes but is not limited to hardware components such as one or more processors 601, one or more memory modules 602, and a bus 603, wherein the bus 603 can connect different hardware components. Through the multiple hardware components included, the computing device can load and execute an operating system, so that the operating system runs on the computing device, and can also execute software or programs. The computing device also includes a housing 609, and the above-mentioned hardware components are arranged in the housing.

The bus 603 of the computing device of the present invention may include one or more types, such as a data bus, an address bus, a control bus, an expansion bus, and/or a local bus. The bus of the computing device includes but is not limited to a parallel Industry Standard Architecture (ISA) bus, a peripheral component interconnect (PCI) bus, a video electronics standards association (VESA) local bus, and a serial universal serial bus (USB), a peripheral component interconnect express (PCI-E) bus, etc.

The processor 601 of the computing device proposed in the present invention is coupled to a bus 603. The processor 601 includes a register group or a register space, which can be completely set on the processing chip, or completely or partially set outside the processing chip and coupled to the processor via a dedicated electrical connection and/or via a bus. The processor 601 can be a processing unit, a microprocessor, or any suitable processing element. If the computing device is a multi-processor device, that is, the computing device includes multiple processors, the processors included in the computing device are the same or similar, and are coupled and communicated through a bus. The processor 601 can interpret a series of multiple instructions to perform specific calculations or operations, such as mathematical operations, logical operations, data comparison, copying/moving data, etc., to run an operating system or execute various programs, modules, and/or components.

The processor 601 of the computing device can be coupled to the chipset or electrically connected to the chipset through the bus 603. The chipset is composed of one or more integrated circuits (ICs), including a memory controller and a peripheral input/output (I/O) controller, that is, the memory controller and the peripheral input/output (I/O) controller can be included in one integrated circuit, or can be implemented using two or more integrated circuits. The chipset usually provides input/output and memory management functions, as well as multiple general and/or dedicated registers, timers, etc., wherein the above-mentioned general and/or dedicated registers and timers can be accessed or used by one or more processors coupled or electrically connected to the chipset.

The processor 601 of the computing device can also access the data in the memory module 602 and the mass storage area installed on the computing device through the memory controller. The above-mentioned memory module 602 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 mentioned above may include any type of storage device or storage media, such as a hard drive, an optical disk, a flash memory, a memory card, a solid state disk (SSD), or any other storage device. In other words, the memory controller can access data in static random access memory, dynamic random access memory, flash memory, hard drive, and solid state disk.

The processor 601 of the computing device can also be connected and communicated with peripheral devices or interfaces such as peripheral output devices, peripheral input devices, communication interfaces, and GPS receivers through the peripheral input/output controller via the bus 603. The peripheral input device can be any type of input device, such as a keyboard, a mouse, a trackball, a touchpad, a joystick, etc. The peripheral output device can be any type of output device, such as a display, a printer, etc. The peripheral input device and the peripheral output device can also be the same device, such as a touch screen, etc. The communication interface may include a wireless communication interface and/or a wired communication interface. The wireless communication interface may include an interface supporting wireless local area networks such as Wi-Fi, Zigbee, Bluetooth, infrared, near field communication (NFC), mobile communication networks such as 3G/4G/5G, or other wireless data transmission protocols. The wired communication interface may be an Ethernet device, an ATM device, a DSL modem, a cable modem, etc. The processor 601 may periodically poll various peripheral devices and interfaces so that the computing device can input and output data through various peripheral devices and interfaces, and can also communicate with another computing device having the components described above.

The modules mentioned in the ATM 10, the financial transaction server 20, the bank external server 30 and the authorizer mobile device 40 are usually generated after the processor 601 in each computing device executes a specific program loaded into the memory module 602, or are included in the processor 601.

In summary, the ATM provides a financial transaction request to the financial transaction server. When the withdrawal/transfer amount is greater than or equal to the amount threshold, an authorization SMS or authorization request is generated. The authorization SMS or authorization request is provided to the corresponding authorizer's mobile device through the bank's external server. The authorizer's mobile device feeds back the authorization password or authorization response to the financial transaction server through the bank's external server, so that the financial transaction request is verified to proceed with the subsequent financial transaction process.

This technical means can solve the problem of the lack of financial transaction protection mechanism for the elderly in previous technologies, and thus achieve the technical effect of providing financial transaction protection for the elderly based on external authorization.

Although the implementation methods disclosed in this work are as above, the content described is not used to directly limit the scope of patent protection of this work. Anyone with ordinary knowledge in the technical field to which this work belongs can make slight changes in the form and details of implementation without departing from the spirit and scope disclosed in this work. The scope of patent protection of this work shall still be defined by the scope of the attached patent application.

10: ATM 20: Financial transaction server 21: Account database 22: Query module 23: SMS generation module 24: Transaction verification module 25: Request generation module 30: Bank external server 40: Authorizer mobile device 51: Financial transaction request 52: Authorization SMS 53: Authorization password 54: Authorization request 55: Authorization response 601: Processor 602: Memory module 603: Bus 609: Housing

Figure 1 shows a system block diagram of the first implementation of the financial transaction protection system for the elderly based on external authorization of this creation. Figure 2 shows a system architecture diagram of the first implementation of the financial transaction protection system for the elderly based on external authorization of this creation. Figure 3 shows a system block diagram of the second implementation of the financial transaction protection system for the elderly based on external authorization of this creation. Figure 4 shows a system architecture diagram of the second implementation of the financial transaction protection system for the elderly based on external authorization of this creation. Figure 5 shows a schematic diagram of the second implementation of the financial transaction protection system for the elderly based on external authorization of this creation, a bank mobile verification APP. Figure 6 shows a schematic diagram of the components of the computing device proposed in this creation.

10: ATM

20: Financial transaction server

21:Account database

22: Query module

23: SMS generation module

24: Transaction verification module

30: Bank external server

40: Authorizer mobile device

Claims (10)

A financial transaction protection system for the elderly based on external authorization, comprising: An automated teller machine (ATM) provides a financial transaction request, the financial transaction request at least includes a bank account of the elderly and a withdrawal/transfer amount; A financial transaction server, the financial transaction server is connected to the ATM and a bank external server via an internal network, respectively, to receive the financial transaction request from the ATM and receive an authorization password from the bank external server, the financial transaction server further comprises: An account database, correspondingly storing the bank account of the elderly, a threshold amount and the mobile device information of an authorizer; A query module, which queries the corresponding amount threshold and the mobile device information of the authorizer from the account database according to the bank account of the elderly in the financial transaction request; A short message generation module, when it is determined that the withdrawal/transfer amount in the financial transaction request is greater than or equal to the queried amount threshold, generates an authorization short message, the authorization short message includes the queried mobile device information of the authorizer, a one-time password and an authorization link; and A transaction verification module, when it is determined that the authorization password is consistent with the one-time password, the financial transaction request passes the verification to carry out the subsequent financial transaction process; The bank's external server provides the financial transaction server with the authorization SMS to send the authorization link in the authorization SMS to an authorization mobile device corresponding to the authorization mobile device information, and the authorization password received from the authorization mobile device; and The authorization link in the authorization SMS is clicked to trigger the authorization mobile device to connect to an authorization page, and the authorization password is input and sent to the bank's external server on the authorization page. The financial transaction protection system for the elderly based on external authorization as described in claim 1, wherein the account database further includes corresponding storage of the elderly's bank account, the amount threshold, the authorizer's mobile device information and a default password. The financial transaction protection system for the elderly based on external authorization as described in claim 2, wherein the SMS generation module generates the authorization SMS using the authorizer's mobile device information, a preset password description, and the authorization link. As described in claim 3, the financial transaction protection system for the elderly based on external authorization, wherein when the transaction verification module determines that the authorization password is consistent with the default password, the financial transaction request is verified to proceed with the subsequent financial transaction process. The financial transaction protection system for the elderly based on external authorization as described in claim 1, wherein the amount threshold is the upper limit amount for non-agreed account transfers or the amount set through the authorizer's mobile device. A financial transaction protection system for the elderly based on external authorization, comprising: An automated teller machine (ATM) provides a financial transaction request, the financial transaction request at least includes a bank account of the elderly and a withdrawal/transfer amount; A financial transaction server, the financial transaction server is connected to the ATM and a bank external server via an internal network to receive the financial transaction request from the ATM, and the financial transaction server further comprises: An account database corresponding to the storage of the elderly bank account, an amount threshold and a bank mobile verification APP identification information; A query module, which queries the corresponding amount threshold and the bank mobile verification APP identification information from the account database according to the bank account of the elderly in the financial transaction request; A request generation module, which generates an authorization request when it is determined that the withdrawal/transfer amount in the financial transaction request is greater than or equal to the queried amount threshold; and A transaction verification module, when an authorization response is received from the bank's external server, the financial transaction request is verified to proceed with the subsequent financial transaction process; The bank's external server provides the financial transaction server with the authorization request to be pushed to a bank's mobile verification APP corresponding to the bank's mobile verification APP identification information, and receives the authorization response from the bank's mobile verification APP; and The bank's mobile verification APP is installed and executed on an authorizer's mobile device, and the authorizer's mobile device receives the authorization request from the bank's external server to guide it to the bank's mobile verification APP, and the bank's mobile verification APP feeds back the authorization response to the bank's external server. The financial transaction protection system for the elderly based on external authorization as described in claim 6, wherein the account database further includes corresponding storage of the elderly's bank account, the amount threshold, and a third-party mobile verification APP identification information. A financial transaction protection system for the elderly based on external authorization as described in claim 7, wherein the bank's external server provides the financial transaction server with the authorization request to be pushed to a third-party mobile verification APP corresponding to the third-party mobile verification APP identification information, and the third-party mobile verification APP is installed and executed on the authorizer's mobile device. A financial transaction protection system for the elderly based on external authorization as described in claim 8, wherein the authorizer mobile device receives the authorization request from the bank's external server to direct it to the third-party mobile verification APP, and the third-party mobile verification APP feeds back the authorization response to the bank's external server. A financial transaction protection system for seniors based on external authorization as described in claim 6, wherein the amount threshold is an upper limit amount for non-agreed account transfers or an amount set through the authorizer's mobile device.

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