TWM644599U

TWM644599U - Financial video direct connection system

Info

Publication number: TWM644599U
Application number: TW112204165U
Authority: TW
Inventors: 張家銘; 陳凱炫; 孫瑞黛
Original assignee: 中國信託商業銀行股份有限公司
Priority date: 2023-05-02
Filing date: 2023-05-02
Publication date: 2023-08-01

Abstract

一種金融視訊直連系統，包含一儲存多筆金融案件資料的金融主機、一金融終端主控裝置、一金融終端參與裝置及一客戶終端裝置。金融主機能根據金融案件資料的其中一者，傳送一案件提示訊息至金融終端主控裝置、金融終端參與裝置及客戶終端裝置的至少一者。金融終端主控裝置能傳送一裝置連結請求至金融終端參與裝置及客戶終端裝置，使金融終端主控裝置、金融終端參與裝置及客戶終端裝置之間藉由去中心化網路建立連線通信。金融終端主控裝置能傳送一視訊連結請求至金融終端參與裝置及客戶終端裝置，使金融終端主控裝置、金融終端參與裝置及客戶終端裝置之間藉由去中心化網路建立視訊通信。金融終端主控裝置、金融終端參與裝置及客戶終端裝置之間藉由去中心化網路進行網路通訊及/或金融業務相關的資料傳輸。A financial video direct connection system, comprising a financial host computer storing multiple financial case data, a financial terminal main control device, a financial terminal participating device and a client terminal device. The financial host can send a case prompt message to at least one of the financial terminal main control device, the financial terminal participating device and the client terminal device according to one of the financial case data. The financial terminal main control device can send a device connection request to the financial terminal participating device and the client terminal device, so that the financial terminal main control device, the financial terminal participating device and the client terminal device establish connection communication through a decentralized network. The financial terminal main control device can send a video connection request to the financial terminal participating device and the client terminal device, so that the financial terminal main control device, the financial terminal participating device and the client terminal device establish video communication through a decentralized network. The financial terminal main control device, the financial terminal participating device and the client terminal device perform network communication and/or data transmission related to financial services through a decentralized network.

Description

Financial video direct connection system

本新型是有關於一種視訊系統，特別是指一種金融視訊直連系統。The present invention relates to a video system, in particular to a financial video direct connection system.

金融機構在進行授信業務的審理過程中，會需要與申請人進行當面會談，以確保授信審核的可靠性。針對會談之環節，目前已有採用視訊進行的作業方式。然而，視訊授信作業進行時需要確保資訊保密的安全性，並且還需要考量提供視訊系統對金融機構的運作成本負擔及申請人是否方便攜帶視訊設備至待查驗的場所，因而可能造成眾多問題。During the review process of credit granting business, financial institutions will need to conduct face-to-face talks with applicants to ensure the reliability of credit granting review. For the talks, there is currently an operating method that uses video conferencing. However, it is necessary to ensure the security of information confidentiality during the video credit granting operation, and it is also necessary to consider the financial institution's operating cost burden of providing video systems and whether it is convenient for the applicant to carry the video equipment to the place to be inspected, which may cause many problems.

因此，本新型之其中一目的，即在提供一種解決前述問題的金融視訊直連系統。Therefore, one of the objectives of the present invention is to provide a financial video direct connection system that solves the aforementioned problems.

於是，本新型金融視訊直連系統在一些實施態樣中，包含一金融主機、一金融終端主控裝置、一金融終端參與裝置及一客戶終端裝置。該金融主機儲存多筆金融案件資料。該金融終端主控裝置能與該金融主機連線通信。該金融終端參與裝置的運行權限低於該金融終端主控裝置，且能與該金融主機連線通信，並藉由一去中心化網路與該金融終端主控裝置連線通信。該客戶終端裝置能與該金融主機連線通信，並藉由該去中心化網路與該金融終端主控裝置、該金融終端參與裝置連線通信。其中，該金融主機能根據該等金融案件資料的其中一者，傳送一案件提示訊息至該金融終端主控裝置、該金融終端參與裝置及該客戶終端裝置的至少一者；該金融終端主控裝置能傳送一裝置連結請求至該金融終端參與裝置及該客戶終端裝置，使該金融終端主控裝置、該金融終端參與裝置及該客戶終端裝置之間藉由該去中心化網路建立連線通信；該金融終端主控裝置能傳送一視訊連結請求至該金融終端參與裝置及該客戶終端裝置，使該金融終端主控裝置、該金融終端參與裝置及該客戶終端裝置之間藉由該去中心化網路建立視訊通信；該金融終端主控裝置、該金融終端參與裝置及該客戶終端裝置之間藉由該去中心化網路進行網路通訊及/或金融業務相關的資料傳輸。Therefore, in some implementation forms, the novel financial video-information direct connection system includes a financial host, a financial terminal master control device, a financial terminal participating device, and a client terminal device. The financial host computer stores multiple financial case data. The main control device of the financial terminal can communicate with the financial host by line. The operating authority of the financial terminal participating device is lower than that of the financial terminal main control device, and can communicate with the financial host through a decentralized network. The client terminal device can connect and communicate with the financial host, and communicate with the financial terminal main control device and the financial terminal participating device through the decentralized network. Wherein, the financial host can send a case reminder message to at least one of the financial terminal main control device, the financial terminal participating device and the client terminal device according to one of the financial case data; the financial terminal main control The device can send a device connection request to the financial terminal participating device and the client terminal device, so that the financial terminal main control device, the financial terminal participating device and the client terminal device can establish a connection through the decentralized network communication; the financial terminal main control device can send a video link request to the financial terminal participating device and the client terminal device, so that the financial terminal main control device, the financial terminal participating device and the client terminal device can be connected through the The centralized network establishes video communication; the financial terminal main control device, the financial terminal participating device and the client terminal device perform network communication and/or data transmission related to financial services through the decentralized network.

在一些實施態樣中，該金融終端主控裝置是將該裝置連結請求或該視訊連結請求傳送至該金融主機，再由該金融主機將該裝置連結請求或該視訊連結請求傳送至該金融終端參與裝置及該客戶終端裝置。In some implementations, the financial terminal main control device transmits the device connection request or the video connection request to the financial host, and then the financial host sends the device connection request or the video connection request to the financial terminal participating devices and the client terminal device.

在一些實施態樣中，該裝置連結請求或該視訊連結請求包括網址資訊或條碼資訊。In some implementations, the device connection request or the video connection request includes URL information or barcode information.

本新型至少具有以下功效：該金融視訊直連系統藉由讓該金融終端主控裝置、該金融終端參與裝置及該客戶終端裝置之間以該去中心化網路建立裝置直連及視訊直連，能讓金融機構免於建置此等裝置之間連線所需的中心伺服器，而能有效降低運作成本，並且能藉由裝置之間的直接連線提升資訊保密的安全性。此外，在該金融終端主控裝置、該金融終端參與裝置及該客戶終端裝置都以可攜式裝置實施的狀態下，便於金融業務的承辦人員、參與人員及客戶將視訊設備攜帶至各種場所，以便於進行會談及查驗。The new model has at least the following effects: the financial video direct connection system establishes direct device connection and video direct connection between the financial terminal main control device, the financial terminal participating device and the client terminal device through the decentralized network , which can save financial institutions from establishing the central server required for the connection between these devices, thereby effectively reducing operating costs, and can improve the security of information confidentiality through the direct connection between devices. In addition, in the state that the financial terminal main control device, the financial terminal participating device and the client terminal device are all implemented as portable devices, it is convenient for financial business operators, participants and customers to carry the video equipment to various places, To facilitate interviews and inspections.

參閱圖1與圖2，為本新型金融視訊直連系統100的一實施例。該金融視訊直連系統100適用於讓金融機構及客戶進行授信等金融業務之作業進行，於本實施例是以包含一金融主機1、一金融終端主控裝置2、一金融終端參與裝置3及一客戶終端裝置4為例進行說明。然而，根據實際需要，該金融終端主控裝置2、該金融終端參與裝置3及該客戶終端裝置4的數量也可以各為多個，不以本實施例揭露之實施方式為限。Referring to FIG. 1 and FIG. 2 , it is an embodiment of a new financial video direct connection system 100 of the present invention. The financial video direct connection system 100 is suitable for financial institutions and customers to carry out financial business operations such as credit granting. In this embodiment, it includes a financial host 1, a financial terminal master control device 2, a financial terminal participating device 3 and A client terminal device 4 will be described as an example. However, according to actual needs, the number of the financial terminal main control device 2 , the financial terminal participant device 3 and the client terminal device 4 can also be multiple, which is not limited to the embodiment disclosed in this embodiment.

該金融主機1為金融機構設置的伺服器系統，其內部儲存多筆金融案件資料，並可供該金融終端主控裝置2、該金融終端參與裝置3及該客戶終端裝置4連線以進行各種業務。該等金融案件資料可以包括客戶資訊、案件資訊、進度資訊等各種資訊。The financial host 1 is a server system set up by a financial institution, which stores a plurality of financial case data internally, and can be connected to the financial terminal main control device 2, the financial terminal participating device 3 and the client terminal device 4 for various business. Such financial case data may include various information such as customer information, case information, and progress information.

該金融終端主控裝置2例如是由負責各項金融業務的承辦人員所操作的電子裝置，可由行動電話、平板電腦、筆記型電腦、桌上型電腦等裝置來實現，能與該金融主機1透過網際網路、行動網路或區域網路等方式連線通信，並且在與該金融終端參與裝置3及該客戶終端裝置4之間進行連線運行時具有最高之管理控制權限。此外，該金融終端主控裝置2能藉由一去中心化網路200與該金融終端參與裝置3、客戶終端裝置4連線通信。該去中心化網路200例如包括中繼伺服器、用戶端裝置、各種聯網裝置等圖中未示出的網路節點，在該金融終端主控裝置2、該金融終端參與裝置3及該客戶終端裝置4之間藉由該去中心化網路200進行連線時，此等網路節點僅提供資料傳輸之功能，不會進行資料儲存，因而能用於實現該金融終端主控裝置2、該金融終端參與裝置3及該客戶終端裝置4之間的裝置直連及視訊直連功能，無需由金融機構額外設置視訊管理伺服器來管理視訊連線，有助於降低金融機構提供視訊服務的運作成本，並同時能以加密直接連線的方式確保該金融終端主控裝置2、該金融終端參與裝置3及該客戶終端裝置4之間連線的安全性。The financial terminal main control device 2 is, for example, an electronic device operated by persons in charge of various financial services, and can be realized by devices such as mobile phones, tablet computers, notebook computers, and desktop computers, and can communicate with the financial host 1 Connect and communicate through the Internet, mobile network or local area network, etc., and have the highest management control authority when connecting with the financial terminal participating device 3 and the client terminal device 4. In addition, the financial terminal main control device 2 can communicate with the financial terminal participating device 3 and the client terminal device 4 via a decentralized network 200 . The decentralized network 200 includes, for example, relay servers, client devices, various networking devices and other network nodes not shown in the figure. When the terminal devices 4 are connected through the decentralized network 200, these network nodes only provide the function of data transmission, and do not store data, so they can be used to realize the financial terminal main control device 2, The financial terminal participates in the device direct connection and video direct connection functions between the device 3 and the client terminal device 4, without the need for the financial institution to additionally set up a video management server to manage the video connection, which helps to reduce the financial institution's need to provide video services. operating costs, and at the same time ensure the security of the connection between the financial terminal main control device 2, the financial terminal participating device 3 and the client terminal device 4 by means of an encrypted direct connection.

該金融終端參與裝置3例如是由參與、出席金融業務的相關人員所操作的電子裝置，可由行動電話、平板電腦、筆記型電腦、桌上型電腦等裝置來實現。該金融終端參與裝置3能與該金融主機1透過網際網路、行動網路或區域網路等方式連線通信，並藉由該去中心化網路200與該金融終端主控裝置2、該客戶終端裝置4連線通信。在該金融終端主控裝置2、該金融終端參與裝置3及該客戶終端裝置4之間進行連線運行時，該金融終端參與裝置3被設定為運行權限低於該金融終端主控裝置2，以免影響連線運作的進行。The financial terminal participating device 3 is, for example, an electronic device operated by relevant personnel participating in and attending financial services, and can be implemented by devices such as mobile phones, tablet computers, notebook computers, and desktop computers. The financial terminal participating device 3 can communicate with the financial host 1 via Internet, mobile network or local area network, and communicate with the financial terminal main control device 2 and the financial terminal through the decentralized network 200. The client terminal device 4 communicates on-line. When the financial terminal main control device 2, the financial terminal participating device 3 and the client terminal device 4 are connected and running, the financial terminal participating device 3 is set to have a lower operating authority than the financial terminal main control device 2, So as not to affect the connection operation.

該客戶終端裝置4例如是由申請金融業務的客戶所操作的電子裝置，可由行動電話、平板電腦、筆記型電腦、桌上型電腦等裝置來實現，且以使用可攜式裝置為佳，以便於在各種場所進行裝置直連及視訊直連功能。在使用上，該客戶終端裝置4能與該金融主機1透過網際網路、行動網路等方式連線通信，並藉由該去中心化網路200與該金融終端主控裝置2、該金融終端參與裝置3通信。The client terminal device 4 is, for example, an electronic device operated by a client who applies for financial services, and can be implemented by devices such as mobile phones, tablet computers, notebook computers, and desktop computers, and it is better to use portable devices, so that Perform device direct connection and video direct connection functions in various places. In use, the client terminal device 4 can communicate with the financial host 1 via Internet, mobile network, etc., and communicate with the financial terminal main control device 2 and the financial terminal through the decentralized network 200. The terminal participates in device 3 communication.

以下參閱圖2，說明該金融視訊直連系統100的運行流程。Referring to FIG. 2 , the operation process of the financial video direct connection system 100 will be described.

於步驟S01，當金融業務的承辦人員、參與人員或客戶藉由該金融終端主控裝置2、該金融終端參與裝置3或該客戶終端裝置4進行各項業務的系統登入而連線至該金融主機1時，該金融主機能根據該等金融案件資料的其中一者，傳送一案件提示訊息至該金融終端主控裝置2、該金融終端參與裝置3或該客戶終端裝置4。舉例來說，該案件提示訊息例如可以是預定要進行授信會談的預約時間已到的提示訊息，如此就可以提醒承辦人員、參與人員或客戶進行相關作業。In step S01, when a financial business operator, participant or client performs various business system logins through the financial terminal main control device 2, the financial terminal participating device 3 or the client terminal device 4 and connects to the financial For the host 1, the financial host can send a case reminder message to the financial terminal main control device 2, the financial terminal participating device 3 or the client terminal device 4 according to one of the financial case data. For example, the case reminder message may be a reminder message that the appointment time for the credit interview is due, so that the contractor, participant or customer can be reminded to perform related operations.

於步驟S02，在要開始進行會談時，金融業務的承辦人員可以操作該金融終端主控裝置2，使該金融終端主控裝置2傳送一裝置連結請求至該金融終端參與裝置3及該客戶終端裝置4，使該金融終端主控裝置2、該金融終端參與裝置3及該客戶終端裝置4之間藉由該去中心化網路200建立連線通信。在一實施態樣中，該裝置連結請求例如包括網址資訊或條碼資訊，如此該金融終端參與裝置3及該客戶終端裝置4就可以透過該裝置連結請求與該金融終端主控裝置2建立裝置直連，並且更佳地是採用金鑰所形成的加密直連。上述裝置直連是指該金融終端主控裝置2、金融終端參與裝置3及該客戶終端裝置4之間的連線不是藉由中心伺服器所達成，而是透過該去中心化網路200所建立。並且，在該金融終端主控裝置2、金融終端參與裝置3及該客戶終端裝置4都預先安裝特定的應用程式的實施態樣中，該裝置連結請求例如是先傳送至該金融主機1，然後再由該金融主機1將該裝置連結請求傳送至該金融終端參與裝置3及該客戶終端裝置4，如此較能確保連線過程中的安全性。In step S02, when the meeting is about to start, the financial business operator can operate the financial terminal main control device 2, so that the financial terminal main control device 2 sends a device connection request to the financial terminal participating device 3 and the client terminal The device 4 enables the financial terminal main control device 2 , the financial terminal participating device 3 and the client terminal device 4 to establish connection communication through the decentralized network 200 . In one implementation, the device connection request includes URL information or barcode information, so that the financial terminal participating device 3 and the client terminal device 4 can establish a device direct connection with the financial terminal main control device 2 through the device connection request. connection, and preferably an encrypted direct connection formed by a key. The above-mentioned device direct connection means that the connection between the financial terminal main control device 2, the financial terminal participating device 3 and the client terminal device 4 is not achieved through the central server, but through the decentralized network 200. Establish. And, in the embodiment in which the main control device 2 of the financial terminal, the participating device 3 of the financial terminal and the client terminal device 4 are all pre-installed with a specific application program, the device connection request is first sent to the financial host 1, for example, and then Then the financial host 1 transmits the device connection request to the financial terminal participating device 3 and the client terminal device 4, so that the security during the connection process can be ensured.

於步驟S03，當該金融終端主控裝置2、金融終端參與裝置3及該客戶終端裝置4之間建立裝置直連後，若金融業務的承辦人員認為需要進行視訊通信，可操作該金融終端主控裝置2而傳送一視訊連結請求至該金融終端參與裝置3及該客戶終端裝置4，使該金融終端主控裝置2、該金融終端參與裝置3及該客戶終端裝置4之間藉由該去中心化網路200建立視訊通信。類似於步驟S02，該視訊連結請求可以是經由該金融主機1傳送，並且可包括網址資訊或條碼資訊。如此一來，金融業務的承辦人員及參與人員就可以藉由視訊方式與客戶進行授信會談等審理過程，並且在需要時可請客戶移動到公司或廠房等地點以進行相關之授信驗證。In step S03, when the financial terminal main control device 2, the financial terminal participating device 3 and the client terminal device 4 establish direct device connection, if the financial business operator thinks that video communication is necessary, the financial terminal main control device can be operated control device 2 and send a video link request to the financial terminal participating device 3 and the client terminal device 4, so that the financial terminal main control device 2, the financial terminal participating device 3 and the client terminal device 4 are connected by the The centralized network 200 establishes video communication. Similar to step S02, the video connection request may be sent via the financial host 1, and may include URL information or barcode information. In this way, financial business operators and participants can conduct credit interviews and other review processes with customers through video conferences, and can ask customers to move to companies or factories for related credit verification when necessary.

於步驟S04，在建立上述裝置直連、視訊直連的狀態下，該金融終端主控裝置2、該金融終端參與裝置3及該客戶終端裝置4之間能藉由該去中心化網路200進行網路通訊及/或金融業務相關的資料傳輸，如此就可以一併進行數位簽章、業務資料傳送、視訊錄影資料留存等相關作業，並且可由該金融終端主控裝置2將上述資訊回傳該金融主機1，以利後續作業。並且，在視訊直聯的過程中，該金融終端主控裝置2可以將該客戶終端裝置4設定為不顯示由該金融終端參與裝置3產生的視訊影音，以免參與人員過多而對客戶造成壓力。In step S04, in the state of establishing the above-mentioned device direct connection and video direct connection, the financial terminal main control device 2, the financial terminal participating device 3 and the client terminal device 4 can be connected through the decentralized network 200 Carry out data transmission related to network communication and/or financial business, so that digital signature, business data transmission, video recording data retention and other related operations can be performed together, and the above information can be returned by the financial terminal main control device 2 The financial host 1 is convenient for follow-up operations. Moreover, in the process of direct video connection, the financial terminal main control device 2 can set the client terminal device 4 not to display the video and audio generated by the financial terminal participating device 3, so as to avoid too many participants and pressure on the client.

綜合上述說明，本新型金融視訊直連系統100藉由讓該金融終端主控裝置2、該金融終端參與裝置3及該客戶終端裝置4之間以該去中心化網路200建立裝置直連及視訊直連，能讓金融機構免於建置此等裝置之間連線所需的中心伺服器，而能有效降低運作成本，並且能藉由裝置之間的直接連線提升資訊保密的安全性。此外，在該金融終端主控裝置2、該金融終端參與裝置3及該客戶終端裝置4都以可攜式裝置實施的狀態下，便於金融業務的承辦人員、參與人員及客戶將視訊設備攜帶至各種場所，以便於進行會談及查驗。因此，本新型金融視訊直連系統100確實能達成本新型的目的。Based on the above description, the new financial video direct connection system 100 establishes a direct device connection and Video direct connection can save financial institutions from establishing the central server required for the connection between these devices, which can effectively reduce operating costs, and can improve the security of information confidentiality through the direct connection between devices . In addition, in the state where the financial terminal main control device 2, the financial terminal participating device 3 and the client terminal device 4 are all implemented as portable devices, it is convenient for financial business operators, participants and customers to carry video equipment to Various places, in order to conduct talks and inspections. Therefore, the new financial video direct connection system 100 can indeed achieve the purpose of the new model.

惟以上所述者，僅為本新型之實施例而已，當不能以此限定本新型實施之範圍，凡是依本新型申請專利範圍及專利說明書內容所作之簡單的等效變化與修飾，皆仍屬本新型專利涵蓋之範圍內。But the above-mentioned ones are only embodiments of the present invention, and should not limit the scope of implementation of the present invention with this. All simple equivalent changes and modifications made according to the patent scope of the present application and the content of the patent specification are still within the scope of the present invention. Within the scope covered by this patent.

100:金融視訊直連系統 200:去中心化網路 1:金融主機 2:金融終端主控裝置 3:金融終端參與裝置 4:客戶終端裝置 S01~S04:步驟 100:Financial Video Direct Connection System 200: Decentralized Network 1: Financial host 2: Financial terminal main control device 3: Financial terminal participating device 4: Client terminal device S01~S04: Steps

本新型之其他的特徵及功效，將於參照圖式的實施方式中清楚地呈現，其中：圖1是一系統圖，說明本新型金融視訊直連系統的一實施例；及圖2是該金融視訊直連系統的運行流程圖。 Other features and functions of the present invention will be clearly presented in the implementation manner with reference to the drawings, wherein: Fig. 1 is a system diagram illustrating an embodiment of the novel financial video direct connection system; and Fig. 2 is a flow chart of the operation of the financial video direct connection system.

100:金融視訊直連系統 100: Financial Video Direct Connection System

200:去中心化網路 200: Decentralized Network

1:金融主機 1: Financial host

2:金融終端主控裝置 2: Financial terminal main control device

3:金融終端參與裝置 3: Financial terminal participating device

4:客戶終端裝置 4: Client terminal device

Claims

A financial video direct connection system, comprising: A financial host, storing multiple financial case data; A financial terminal main control device capable of connecting and communicating with the financial host; A financial terminal participating device, whose operation authority is lower than that of the financial terminal main control device, the financial terminal participating device can communicate with the financial host computer, and communicate with the financial terminal main control device through a decentralized network ; A client terminal device, capable of connecting and communicating with the financial host, and communicating with the financial terminal main control device and the financial terminal participating device through the decentralized network, Wherein, the financial host can send a case reminder message to at least one of the financial terminal main control device, the financial terminal participating device and the client terminal device according to one of the financial case data; the financial terminal main control The device can send a device connection request to the financial terminal participating device and the client terminal device, so that the financial terminal main control device, the financial terminal participating device and the client terminal device can establish a connection through the decentralized network communication; the financial terminal main control device can send a video link request to the financial terminal participating device and the client terminal device, so that the financial terminal main control device, the financial terminal participating device and the client terminal device can be connected through the The centralized network establishes video communication; the financial terminal main control device, the financial terminal participating device and the client terminal device perform network communication and/or data transmission related to financial services through the decentralized network.

The financial video direct connection system as described in claim 1, wherein the financial terminal main control device sends the device connection request or the video connection request to the financial host, and then the financial host sends the device connection request or the The video link request is sent to the financial terminal participating device and the client terminal device.

The financial video direct connection system as described in Claim 1, wherein the device connection request or the video connection request includes URL information or barcode information.