TWI773928B - Financial product retreival system - Google Patents

Abstract

The present disclosure provides a financial product retrieval system including: a server; an electronic device coupled to the server; and a machine coupled to the server and includes multiple safe boxes. The electronic device login to the server through an application to apply for a financial product access service, and transmits a personal identification code and a device identification code of the electronic device to the server, and the server binds the personal identification code and the device identification code. An input/output element of the machine receives a product retrieving message and displays a quick response code. When the electronic device scans the quick response code through the application, the application transmits the device identification code to the server, and the server transmits a product retrieving password to a phone number corresponding to the device identification code. The input/output element receives the product retrieving password and the machines retrieves a first safe box corresponding to the personal identification code.

Description

Financial product collection system

The present disclosure relates to a financial product claiming system, and in particular, to a financial product claiming system that increases the efficiency of picking up financial products.

Banks provide some financial products (for example, foreign currency, traveler's checks, gold, etc.) or services. After the customer makes a successful payment or makes an appointment for the service, they need to go to the counter in person to complete the follow-up operation or complete the service. Due to the external service time factor of the bank, customers need to receive financial products during the bank's business hours.

The present disclosure provides a system for collecting financial products, which can increase the efficiency of collecting financial products.

The present disclosure provides a financial product claiming system, including: a server; an electronic device coupled to the server; and a machine coupled to the server and including a plurality of safe deposit boxes. The electronic device logs in to the server through the application program to apply for the financial product access service, and transmits the personal identification code and the device identification code of the electronic device to the server, and the server binds the personal identification code and the device identification code. The input and output components of the machine receive the retrieval message and display the quick response code. When the electronic device scans the quick response code through the application, the application transmits the device identification code to the server, and the server transmits the retrieval password to the phone number corresponding to the device identification code. The input and output elements receive the retrieval password and the machine retrieves the first safe box corresponding to the personal identification code.

In an embodiment of the present disclosure, when the server receives the device identification code and confirms that the device identification code is bound to the personal identification code, the server transmits the retrieval password to the phone number corresponding to the device identification code.

In an embodiment of the present disclosure, when an electronic device applies for a financial product access service through an application program, the server generates a safe deposit box serial number at least according to the personal identification code and transmits the safe deposit box serial number to the electronic device.

In an embodiment of the present disclosure, if the I/O element receives the safe deposit box serial number after receiving the retrieval message, the I/O element displays the quick response code.

In an embodiment of the present disclosure, the above-mentioned electronic device logs in to the server to apply for the financial product access service and sets the corresponding access time interval, and when the input and output components receive the retrieval password within the access time interval, the machine will Take out the first safe deposit box.

In an embodiment of the present disclosure, the above-mentioned password for extracting the object is valid within a predetermined time interval after the server transmits the password for extracting the object.

In an embodiment of the present disclosure, the device identification code is an international mobile device identification code.

In an embodiment of the present disclosure, the input and output elements include at least one of a touch screen, a display, and a keyboard.

Based on the above, the financial product collection system of the present disclosure can provide a customer to apply for a financial product access service through an application and simultaneously bind a personal identification code and a device identification code. The machine can display the quick response code for the customer to scan with the app, and the app sends the device identification code to the server after the scan is successful and confirms that the quick response code corresponds to the extraction operation, so that the server returns the retrieval password to the customer's phone number. Finally, the customer can enter the retrieval password on the machine to let the machine take out the safe deposit box, allowing the customer to take out the financial products in the safe deposit box or put the items in the safe deposit box.

In order to make the above-mentioned features and advantages of the present disclosure more obvious and easy to understand, the following embodiments are given and described in detail in conjunction with the accompanying drawings as follows.

FIG. 1 is a block diagram of a financial product claiming system according to an embodiment of the present disclosure.

Referring to FIG. 1 , a financial product claiming system 100 according to an embodiment of the present disclosure includes a server 110 , an electronic device 120 and a machine 130 . The electronic device 120 is, for example, a smart phone, a tablet computer or the like and is coupled to the server 110 through wireless communication. Machine 130 includes a plurality of safes and can be coupled to server 110 through wired or wireless communication. The machine 130 can take out the safe deposit box through a robotic arm or other similar structure, so that the customer can access the financial products in the safe deposit box.

In one embodiment, the customer can use the electronic device 120 to log in to the server 110 through a bank-specific application to apply for financial product access services (for example, to receive physical products such as securities, gold, or to deposit items in a safe deposit box). The customer can also send the personal identification code and the device identification code of the electronic device 120 to the server 110 through the application program, so that the server 110 can bind the personal identification code and the device identification code. The personal identification code is, for example, an identity card number and the device identification code is, for example, an International Mobile Equipment Identity (IMEI). It is worth noting that when the customer logs in to the application with the account password, the bank can confirm the customer's personal identification code and the corresponding phone number and other information.

When the customer uses the electronic device 120 to apply for the financial product access service through the application program, the server 110 generates a safe deposit box serial number at least according to the personal identification code and transmits the safe deposit box serial number to the electronic device 120 . For example, the server 110 can hash the serial number of the safe deposit box according to the customer's personal identification code, the service application time and the customer's personal information. Each financial product deposit and withdrawal service can correspond to a different safe deposit box serial number. The machine 130 can provide a management interface for the operator to input the serial number of the safe deposit box, and the machine 130 can select an empty safe deposit box according to predetermined rules or randomly, allowing the operator to put the financial products applied by the customer into the safe deposit box. Therefore, the storage device (eg, flash memory or EEPROM, etc.) of the machine 130 can record all empty safe deposit boxes and the codes (eg, 001 to 099) of the safe deposit boxes with the financial products, and record the deposit boxes of the financial products. The dropbox corresponding to the dropbox serial number (ie, the hash value).

When the customer picks up the financial product from the machine 130 , the customer can click the “I want to pick up” button on the input and output elements of the machine 130 . The input and output elements are, for example, at least one of a touch screen, a display and a keyboard. When the I/O element of the machine 130 receives the pick-up message (ie, the "I want to pick up" button is clicked by the customer) and the customer inputs the correct safe deposit box serial number in the I/O element, the I/O element will display a quick response code (Quick Response Code (Quick Response Code). Response code, QR code). When the customer holds the electronic device 120 and scans the quick response code through the application program and the application program determines that the quick response code corresponds to the retrieval operation, the application program transmits the device identification code of the electronic device 120 to the server 110 . After confirming that the device ID has been bound, the server 110 transmits the retrieval password to the phone number corresponding to the device ID. The customer can input the retrieval password at the input and output element and the machine 130 can retrieve the first safe box corresponding to the personal identification code and the safe box serial number. Since the machine 130 and the server 110 can communicate with each other, both the machine 130 and the server 110 can obtain corresponding information such as personal identification code, device identification code, telephone number, safe deposit box serial number, and retrieval password corresponding to a financial product access service . The retrieval password is valid for a predetermined time interval (eg, 2 minutes) after the server 110 transmits the retrieval password.

It is worth noting that when applying for financial product access services, customers can set the corresponding access time interval at the same time, such as the morning or afternoon of which day. The machine 130 only removes the first safe box when the I/O element receives the retrieval code during the access time interval. If the customer does not pick up the financial product within the access time interval, the clerk can take the financial product from the first safe deposit box back to the bank for deposit.

To sum up, the financial product collection system of the present disclosure can provide a customer to apply for a financial product access service through an application and simultaneously bind a personal identification code and a device identification code. The machine can display the quick response code for the customer to scan with the app, and the app sends the device identification code to the server after the scan is successful and confirms that the quick response code corresponds to the extraction operation, so that the server returns the retrieval password to the customer's phone number. Finally, the customer can enter the retrieval password on the machine to let the machine take out the safe deposit box, allowing the customer to take out the financial products in the safe deposit box or put the items in the safe deposit box.

Although the present disclosure has been disclosed above with examples, it is not intended to limit the present disclosure. Anyone with ordinary knowledge in the technical field may make some changes and modifications without departing from the spirit and scope of the present disclosure. The scope of protection of the present disclosure shall be determined by the scope of the appended patent application.

100: Financial product collection system 110: Server 120: Electronic Devices 130: Machine

FIG. 1 is a block diagram of a financial product claiming system according to an embodiment of the present disclosure.

100: Financial product collection system

110: Server

120: Electronic Devices

130: Machine

Claims (5)

A financial product claiming system, comprising: a server; an electronic device coupled to the server; and a machine coupled to the server and including a plurality of safe deposit boxes, wherein the electronic device logs in the electronic device through an application program The server applies for a financial product access service, and transmits a personal identification code and a device identification code of the electronic device to the server, and the server binds the personal identification code and the device identification code. The input and output components receive a fetching message and display a quick response code. When the electronic device scans the quick response code through the application, the application sends the device identification code to the server, and the server sends a fetch. The item code is sent to a phone number corresponding to the device identification code, the input and output element receives the withdrawal code and the machine takes out a first safe box corresponding to the personal identification code, wherein when the electronic device applies for the financial assistance through the application During the commodity access service, the server generates a safe deposit box serial number at least according to the personal identification code and a service application time and transmits the safe deposit box serial number to the electronic device, and the safe deposit box serial number is a hash value, where if the safe deposit box serial number is After receiving the retrieval message, the I/O element receives the serial number of the safe deposit box, and the I/O element displays the quick response code, wherein the device identification code is an international mobile device identification code. The financial product collection system as described in item 1 of the scope of the application, wherein when the server receives the device identification code and confirms that the device identification code is bound to the personal identification code, the server transmits the retrieval password to the corresponding A phone number for the device identification code. The financial product collection system as described in claim 1, wherein the electronic device logs in to the server to apply for the financial product access service and sets a corresponding access time interval, and when the input/output element is in the storage The machine only takes out the first safe box when the password for taking out the object is received in the taking time interval. The financial product claiming system according to item 1 of the scope of the application, wherein the retrieval password is valid within a predetermined time interval after the server transmits the retrieval password. The financial product claiming system according to claim 1, wherein the input and output element comprises at least one of a touch screen, a display and a keyboard.

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