TWM665609U - Account Information Query System - Google Patents

Abstract

An account information inquiry system includes a bank server and a user device. The bank server stores a plurality of customer data, each of which has a customer identity information and an account information, and the account information has an account message and a password message corresponding to the account message. The user device can communicate with the bank server online. The user device receives a personal identity information and sends an account information inquiry request including the personal identity information to the bank server. The bank server searches for customer data corresponding to the personal identity information of the customer identity information, and transmits the account information of the customer data matching the search result to the user device through an account information query reply in at least one of cellular broadcast, application push, and communication program message sending.

Description

Account Information Query System

The present invention relates to an inquiry system, in particular to an account information inquiry system.

When bank customers connect to bank servers through personal electronic devices to log in to their accounts for various financial transactions, they may forget their account information such as account name and password, and thus fail to complete the account login process. To solve the above situation, bank customers can connect to bank servers through personal electronic devices to query and obtain correct account information. However, currently bank servers usually provide account information query responses in the form of text messages, emails, etc., and text message replies require additional telecommunications charges, and emails may fail to send emails to the designated mailboxes, thus affecting bank customers' operations.

Therefore, one of the purposes of the present invention is to provide an account information inquiry system that can solve the above-mentioned problems.

Therefore, in some implementations, the novel account information query system includes a bank server and a user device. The bank server stores multiple customer data, each of which has a customer identity information and an account information, and each of the account information has an account message and a password message corresponding to the account message. The user device can communicate with the bank server online. The user device receives a personal identity information and sends an account information query request including the personal identity information to the bank server. The bank server searches for the customer data corresponding to the personal identity information of the customer identity information, and transmits the account information of the customer data matching the search result to the user device via an account information query reply in at least one of cellular broadcast, application push, and communication program message sending.

In some implementations, after receiving the account information query response, the user device also receives account login data corresponding to the account information, and connects to the bank server to perform an account login procedure using the account login data.

In some implementations, the account login process is a process related to bank loan business.

The present invention has at least the following effects: after the user device transmits the account information query request to the bank server, the bank server can return the account information matching the search result to the user device in at least one of cellular broadcast, application push, and communication program message sending, so that not only can it be ensured that the bank customer will actually receive the account information, but also the cost of transmitting the account information can be saved.

1 and 2 show an embodiment of the novel account information inquiry system 100. The account information inquiry system 100 allows a user to inquire about personal account information. In this embodiment, a bank server 1 and a user device 2 are used as an example for explanation.

The bank server 1 is, for example, a server system built by a bank institution, and can be implemented by one or more server hosts. The bank server 1 stores multiple customer data, each of which has a customer identity information and an account information, and each of the account information has an account message and a password message corresponding to the account message. For example, each of the customer identity information has personal information such as name, ID number, date of birth, etc., and each of the account messages and each of the password messages can be an account name set by the user and a specific password used to execute the account login procedure.

The user device 2 is, for example, an electronic device such as a mobile phone, tablet computer, laptop computer, desktop computer, etc. held by a bank customer (user), which can communicate with the bank server 1 so that the bank customer can connect to the bank server 1 to handle various financial transactions.

Continuing to refer to FIG. 1 and FIG. 2 , the operation process of the account information query system 100 is described below.

In steps S01-S02, when a bank customer wants to use the user device 2 to connect to the bank server 1 to handle financial transactions but forgets his account information, he can operate the user device 2 to input his personal identity information (such as ID number) so that the user device 2 receives the personal identity information (step S01), and the user device 2 sends an account information query request including the personal identity information to the bank server 1 (step S02).

In steps S03-S04, the bank server 1 searches for the customer data corresponding to the personal identity information of the customer identity information (step S03), and transmits the account information corresponding to the customer data matching the search result to the user device 2 via an account information query reply in at least one of cell broadcast, application push notification, and instant messaging (step S04). In this way, the bank customer can obtain the required account information from the user device 2. In the process of sending the account information inquiry reply, since it is carried out by means of cellular broadcast, application push or communication program message, there is no need to pay additional fees such as SMS sending, which helps to save costs and can also achieve effective message delivery.

In step S05, after receiving the account information inquiry response, the bank customer can, based on the account information obtained from the inquiry, allow the user device 2 to receive the account login data corresponding to the account information, and connect to the bank server 1 to execute an account login procedure using the account login data. The account login procedure is, for example, a procedure related to bank loan business but is not limited thereto. In this way, the bank customer can continue to handle the required financial affairs after obtaining his account information.

In summary, through the system configuration of the novel account information query system 100, after the user device 2 transmits the account information query request to the bank server 1, the bank server 1 can return the account information matching the search result to the user device 2 in at least one manner of cellular broadcast, application push, and communication program message sending. This not only ensures that the bank customer can actually receive the account information, but also saves the cost of transmitting the account information, so the purpose of the novel system can be achieved.

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

100: Account information inquiry system 1: Bank server 2: User device S01~S05: Steps

Other features and functions of the present invention will be clearly presented in the implementation method of the reference drawings, in which: Figure 1 is a system diagram illustrating an implementation example of the present account information query system; and Figure 2 is an operation flow chart of the account information query system.

100:Account information inquiry system

1: Bank server

2: User device

Claims (3)

An account information inquiry system comprises: A bank server storing a plurality of customer data, each customer data having a customer identity information and an account information, each account information having an account message and a password message corresponding to the account message; and A user device capable of connecting and communicating with the bank server, wherein the user device receives a personal identity information and transmits an account information inquiry request including the personal identity information to the bank server, The bank server searches for the customer data corresponding to the personal identity information of the customer identity information, and transmits the account information of the customer data matching the search result to the user device via an account information query response in at least one of cellular broadcast, application push, and communication program message sending. The account information inquiry system as described in claim 1, wherein after the user device receives the account information inquiry response, it also receives account login data corresponding to the account information, and connects to the bank server to execute an account login procedure using the account login data. An account information inquiry system as described in claim 2, wherein the account login procedure is a procedure related to bank loan business.

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