TWM662393U - Bank Real-time Interactive Inquiry System - Google Patents

Abstract

A bank real-time interactive inquiry system includes a financial server, a communication program server and a client device. The financial server has a database, which stores at least one customer data and a contact history record corresponding to the customer data, and the contact history record has at least one of the information of the contact time, the calling phone number, and the contact method. The communication program server stores at least one account data. The client device is installed with a communication program and can connect and communicate with the communication program server. The client device runs the communication program and executes an account login program. The client device receives a query instruction and sends a query request to the communication program server. The communication program server sends a data read request to the financial server. The financial server compares the account data with the customer data and sends the matching contact history records to the communication program server. The communication program server sends a query response including the contact history records to the client device.

Description

Bank Real-time Interactive Inquiry System

This novel invention relates to an inquiry system, in particular to a real-time interactive inquiry system for banks.

At present, there are some criminals in society who will impersonate financial institutions and send various false messages to bank customers through phone calls, text messages, etc., in order to seek illegal profits. Although the above messages sent in the name of financial institutions can be verified by verifying with financial institutions, the verification process is time-consuming and cumbersome, and there is a need for improvement.

Therefore, one of the purposes of this new invention is to provide a real-time interactive bank inquiry system that can solve the above-mentioned problems.

Therefore, in some implementations, the novel bank real-time interactive inquiry system includes a financial server, a communication program server and a client device. The financial server has a database, which stores at least one customer data and a contact history record corresponding to the customer data, and the contact history record has at least one of the information of the contact time, the calling phone number, and the contact method. The communication program server can communicate with the financial server and store at least one account data corresponding to the customer data. The client device is installed with a communication program for communication between multiple endpoints, and can communicate with the communication program server through the communication program. The client device runs the communication program and connects to the communication program server to execute an account login procedure based on the account data. The client device receives a query instruction for querying the contact history record and transmits a query request to the communication program server according to the query instruction. The communication program server transmits a corresponding data read request to the financial server according to the query request. The financial server compares the account data with the customer data, and transmits the contact history record corresponding to the customer data that matches the account data to the communication program server through a data read response. The messenger server sends a query response including the contact history to the client device.

In some implementations, the contact method in the contact history record includes at least one of telephone contact and SMS notification.

This new type has at least the following effects: when necessary, bank customers can use the communication program they use daily to query the contact history records. The process is simple and fast, and after obtaining the contact history records, they can use them to determine the authenticity of each message to avoid loss of their own property rights and interests.

100: Bank real-time interactive inquiry system

1: Financial Server

2: Communication program server

3: Client device

S01~S007: Steps

Other features and functions of the new system will be clearly presented in the implementation method of the reference drawings, wherein: FIG1 is a system diagram illustrating an implementation example of the new system for real-time interactive inquiry of banks; and FIG2 is an operation flow chart of the system for real-time interactive inquiry of banks.

Refer to Figures 1 and 2, which are an embodiment of the new bank real-time interactive inquiry system 100. The bank real-time interactive inquiry system 100 includes a financial server 1, a communication program server 2 and a client device 3.

The financial server 1 is, for example, a server system built by a banking institution, which can be implemented by the cooperation of one or more hosts. The financial server 1 has a database, which stores at least one customer data and a contact history record corresponding to the customer data. The contact history record has information of at least one of the contact time, the calling phone number, and the contact method, and the contact method includes at least one of telephone contact and SMS notification. In one implementation, the content related to the telephone contact and SMS notification in the contact history record can be, for example, the records stored in the telephone host system (not shown) and the SMS sending system (not shown) of the financial server 1, but can also be integrated into the same system in different implementations.

The client device 3 is, for example, an electronic device such as a mobile phone, tablet computer, laptop computer or desktop computer held by a bank customer, which is installed with a communication program for communication between multiple endpoints and can communicate with the communication program server 2 via the communication program.

The communication program server 2 is a server host required to execute the communication program. It can communicate with the financial server 1 and the client device 3 and provide information transmission function between multiple endpoints, and store at least one account data corresponding to the customer data.

Referring to Figures 1 and 2, the following describes the operation process of the bank real-time interactive inquiry system 100.

In step S01, when a bank customer wants to use the communication program in the client device 3, he can operate the client device 3 to connect to the communication program server 2, and perform an account login procedure based on the account data by means of password verification, biometric verification, etc.

In steps S02-S04, when a bank customer receives a phone call or SMS notification message related to financial services, if he wants to confirm the authenticity of the message, he can perform relevant operations on the program interface of the communication program of the client device 3, so that the client device 3 receives a query instruction related to querying the contact history record stored in the financial server 1 (step S02), and sends a query request to the communication program server 2 according to the query instruction (step S03). Then, the communication program server 2 will send a corresponding data read request to the financial server 1 according to the query request (step S04).

In steps S05-S07, after receiving the data read request, the financial server 1 will compare the account data with the customer data, and send the contact history record corresponding to the customer data that matches the account data to the communication program server 2 through a data read response (steps S05, S06). Subsequently, the communication program server 2 will send a query response including the contact history record to the client device 3 (step S07), so that the bank customer can browse the contact history record provided by the financial server 1 through the program interface of the communication program, thereby confirming whether the received phone call or SMS notification message is issued by the bank institution. Subsequently, bank customers can also use the above-mentioned contact history records or other program functions in the program interface of the communication program to handle various businesses through telephone, online customer service, smart customer service, digital forms, document transfer, etc., so as to obtain convenient and fast business services.

In summary, through the configuration of the bank real-time interactive query system 100, when bank customers need it, they can use the communication program of the client device 3 used daily to query the contact history records stored in the financial server 1. The process is simple and fast, and after obtaining the contact history records, they can be used to judge the authenticity of various messages, which can effectively avoid the loss of their own property rights and interests, so the purpose of this new technology can be achieved.

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

100: Bank real-time interactive inquiry system

1: Financial Server

2: Communication program server

3: Client device

Claims (2)

A bank real-time interactive inquiry system comprises: a financial server having a database storing at least one customer data and a contact history record corresponding to the customer data, wherein the contact history record has at least one of the information of the contact time, the calling phone number, and the contact method; a communication program server capable of connecting and communicating with the financial server and storing at least one account data corresponding to the customer data; and a client device having a communication program installed thereon for communication between multiple endpoints and capable of connecting and communicating with the communication program server through the communication program, wherein the client device runs the communication program and connects to the communication program. The program server executes an account login procedure based on the account data, the client device receives a query instruction related to querying the contact history record, and sends a query request to the communication program server according to the query instruction. The communication program server sends a corresponding data read request to the financial server according to the query request. The financial server compares the account data with the customer data, and sends the contact history record corresponding to the customer data that matches the account data to the communication program server through a data read response, and the communication program server sends a query response including the contact history record to the client device. The bank real-time interactive inquiry system as described in claim 1, wherein the contact method of the contact history record includes at least one of telephone contact and SMS notification.

Images