TW201947504A - Combined financial service system storing a plurality of financial account information respectively corresponding to a plurality of different customers in a back end processing server - Google Patents

Abstract

In a combined financial service system, a plurality of financial account information respectively corresponding to a plurality of different customers is stored in a back end processing server, wherein each information includes customer data relevant to a corresponding customer, account data of a plurality of different accounts and binding account data indicating a specified payment account, after a service request, which is transmitted by a service platform server, from a user end and relevant to a target customer, is received, a payment amount is deducted from an account balance if the service request is a payment request indicating payment amount and the account balance of a target account data is judged not to be smaller than the payment amount, and the binding account data is updated by a to-be-specified payment account which is successfully verified, if the service request is a set request indicating the to-be-specified payment account.

Description

Composite financial service system

The invention relates to a financial service system, in particular to a composite financial service system.

After spending, in addition to paying the consumption amount directly in cash, users can also use electronic payment methods such as point-of-sale terminal payment and mobile payment to pay the consumption amount. In this way, a bank account designated by the seller will be renewed. Add a deposit from a bank account designated by the user and equal to the amount of consumption. On the other hand, using current financial transaction services such as remittances and transfers provided by a banking institution, a desired remittance or transfer amount from a payer in a bank account owned by the banking institution can be transferred to a payee Owned bank account. However, in this current financial transaction service, if the payer does not realize that the balance of his bank account is less than the amount of the desired remittance or transfer, the remittance or transfer transaction cannot be completed, thus causing inconvenience to the payer, or even As a result, the payer's other interests are lost.

Therefore, there is still much room for improvement in current financial transaction services.

Therefore, the object of the present invention is to provide a composite financial service system which can overcome the shortcomings of conventional techniques.

Therefore, the composite financial service system of the present invention includes a service platform server and a back-end processing server. The service platform server can provide a webpage with a user operation interface. The user operation interface includes at least a setting option related to a specified account and a transaction option. The back-end processing server is connected to the service platform server and includes a storage module, a setting module, and a transaction module. The storage module stores multiple pieces of financial account information corresponding to different customers, and each piece of financial account information includes customer data related to one of the corresponding customers, and multiple pieces are related to the corresponding customer's ownership. Account information for multiple different accounts, and the associated account information for the corresponding customer, where each account information contains the account balance and historical data of one of those accounts' corresponding accounts, and the associated account information at least indicates Account for one of these accounts as a designated payment account. The setting module and the transaction module are electrically connected to the storage module.

When a user terminal connects to the service platform server via a communication network, the service platform server directs the user terminal to the webpage, so that the webpage is displayed on the client terminal.

When the service platform server receives a service request from the user terminal and generated by the user terminal through a human input operation and is related to one of the target customers, the service platform server will The service request is transmitted to the back-end processing server. The service request may be related at least to payment or account settings. When the service request is a payment request, the payment request indicates the target customer, a payee, a payee account, and a payment amount as a payer, and when the service request is a payment account setting When setting a request, the setting request indicates the target customer and a desired payment account.

When the back-end processing server receives the payment request from the service platform server, the transaction module determines that one of the financial account information stored in the storage module corresponds to the target customer And the financial account information that is the target financial account information contains an amount corresponding to the designated payment account and the account data that is the target account data contains an account balance not less than the payment amount indicated by the payment request, the target account The balance of the account contained in the information is deducted from the payment amount. When the back-end processing server receives the setting request from the service platform server, the setting module uses the desired specified payment account when successfully verifying the desired specified payment account indicated by the setting request. Update the bound account data contained in the target financial account information stored in the storage module.

In some implementation aspects, the accounts owned by the target customer contain a financial asset account corresponding to a specific financial commodity and which is predetermined as a candidate payment account. When the back-end processing server receives the payment request and the transaction module determines that the account balance contained in the target account data is less than the payment amount indicated by the payment request and determines that the target financial account information contains When the sum of the account balance contained in the account data corresponding to the candidate payment account and the candidate account data and the account balance contained in the target account data is not less than the payment amount indicated by the payment request, the transaction mode The group converts a portion of the financial assets owned by the candidate payment account into an amount that is at least greater than the difference between the payment amount and the account balance included in the target account data, and deducts the account balance included in the candidate account data by the amount The amount and add the amount to the account balance included in the target account data and deduct the payment amount indicated by the payment request from the target account data and the updated account balance.

In some implementations, when the payment amount is successfully transferred to the payee account, the transaction module responds to the payment request and sends a payment success notification to the user terminal via the service platform server For the user to display the payment success notification.

In some embodiments, the user interface further includes an account opening option, and the back-end processing server further includes an account opening module electrically connected to the storage module. When another user terminal connects to the service platform server via the communication network, the service platform server directs the other user terminal to the webpage, so that the webpage is displayed on the other user terminal. When the service platform server receives an account opening request from the other user terminal and generated by the other user terminal through another person's input operation and related to a new customer, the service platform server will The account opening request is transmitted to the back-end processing server, wherein the account opening request includes personal information of the new customer. When the back-end processing server receives the account opening request from the service platform server, the account opening module transmits a verification request including the personal data contained in the account opening request to an external verification server, and When a successful reply is received from the external authentication server in response to the authentication request, a financial account information corresponding to the new customer is created, and the created financial account information is newly stored in the storage Module.

In some embodiments, the user interface further includes a query option, the back-end processing server further includes a query module electrically connected to the storage module, and the service request may also be related to an account query. When the service request is an account query request, the account query request indicates at least one desired query account owned by the target customer. When the back-end processing server receives the account query request from the server of the service platform, the query module according to a piece of information contained in the target financial account information corresponding to the account data contained in the account to be queried. A part or all of the historical data generates a query result, and in response to the account query request, the query result is transmitted to the user terminal through the service platform server for the user terminal to display the query result.

In some implementation aspects, the binding account information selection included in each financial account information also indicates that one of the accounts is used as an account for a designated debit account for purchasing a desired financial product, and related Predetermined transaction conditions for purchasing the desired financial product. The transaction module determines that the account balance contained in a piece of financial account information stored in the storage module and corresponding to the account data of the designated debit account matches the binding contained in the financial account information When the predetermined transaction condition is indicated by the account information, a transaction corresponding to the predetermined transaction condition is executed, and the financial account information is updated according to the transaction result.

In some implementation aspects, the service request may also be related to a refund. When the service request is a refund request, the refund request indicates a refund party, the target customer as a payee, and the refund amount. When the back-end processing server receives the refund request from the service platform server, the transaction module will store the target account data contained in the target financial account information contained in the storage module. The account balance is added with the refund amount, and a refund successful notification is sent to the client via the service platform server for the client to display the refund successful notification.

The present invention has at least the following effects: For any (old) customer, the composite financial service system not only provides the function of paying the payment amount with a designated payment account, but also provides a mechanism that can effectively ensure the success of the payment. , Account data query function, refund function, and increase the flexibility of account funds. For a new customer, the composite financial service system can provide online account opening functions. Therefore, the composite financial service system of the present invention can indeed achieve composite financial services, and greatly improves the convenience during use.

Referring to FIG. 1, an embodiment of the composite financial service system 100 of the present invention includes a service platform server 1 and a back-end processing server 2.

In this embodiment, the service platform server 1 may be implemented as a financial service server provided by a banking institution, for example. The service platform server 1 may provide a web page 10 having a user operation interface 11, and the user operation interface 11 may include an account opening option 12, a setting option 13 related to a designated account, a transaction option 14, and A query option 15.

In this embodiment, the back-end processing server 2 may be implemented as a bank internal server and may be connected to the service platform server 1 via, for example, a local area network (not shown), but is not limited thereto. The back-end processing server 2 may include a storage module 21, an account opening module 22, a setting module 23, a transaction module 24, and an inquiry module 25. The account opening module 22, the setting module 23, the transaction module 24, and the inquiry module 25 are all electrically connected to the storage module 21, and the storage module 21 stores a plurality of transactions corresponding to, for example, the banking institution. Financial account information D, D 'for multiple different customers. Please refer to Figure 2. Each financial account information D (D ') contains customer information D1 related to one of the corresponding customers of the customer D1, and multiple pieces of account information D2 related to multiple different accounts owned by the corresponding customer , And the associated account information D3 related to the corresponding customer, where each account information D2 contains the account balance of one of these accounts corresponding to the account, and for example: historical data of historical transaction details, and among which the account information of the binding D3 can not only indicate one of these accounts as an account for a designated payment account, but also optionally indicate one of these accounts as one for purchasing a desired financial product (for example, a desired fund or Is an investment-type insurance policy, but not limited to that), the account of the designated debit account and the predetermined transaction conditions related to the purchase of the desired financial product.

In the following, how the composite financial service system 100 provides composite financial services to one of the target customers (old customers) will be described in detail as an example. In detail, when a user terminal 3 (as shown in FIG. 1) can connect to the service platform server 1 via a communication network 4 such as the Internet, the service platform server 1 introduces the user terminal 3 Go to the webpage 10 so that the webpage 10 is displayed on the user terminal 3. In this embodiment, the user terminal 3 may be a mobile device installed with a related application program provided by the banking institution, or a computer device, for example. Then, the user terminal 3 may generate a service request related to the target customer through an input operation of a user operation interface 11 (shown), and transmit the service request to the service platform server 1 . Therefore, when receiving the service request from the user terminal 3, the service platform server 1 transmits the service request to the back-end processing server 2. It should be particularly noted that, in this embodiment, the service request may be related to payment, designated account settings, account inquiry, or refund. More specifically, the service request may be a payment request, a setting request, a Inquiry request or a refund request.

For example, the accounts owned by the target customer not only contain the designated payment account, but also a financial asset account (for example, a fund) corresponding to a specific financial product (for example, a specific fund with a limit) Accounts, but not so far), and the financial asset account has been booked as a candidate payment account. It is worth noting that, in this embodiment, the designated payment account can also be used as the designated debit account, but not limited to this, that is, when used, the designated payment account and the designated debit account It can also be two different accounts according to actual needs.

In this case, as shown in FIG. 3, a piece of financial account information D 'corresponding to the target customer stored in the storage module 21, for example, the piece of financial account information D' may be used as the target financial account information D '. One of the account data D2, D2 ', D2' 'included in the target financial account information D' corresponds to the account data D2 of the designated payment / debit account (for example: a Taiwanese account, but not limited to this) ', For example: the account information D2' can be used as the target account information D2 ', and the other one corresponds to the account information D2 of the candidate payment account, for example: the account information D2' 'can be used as the candidate account information D2 ''.

Hereinafter, the operation of the composite financial service system 100 when the service request is a payment request corresponding to the operation of the transaction option 14 will be described in detail with reference to FIGS. 1 and 3.

In this case, the payment request indicates the target customer, a payee, a payee account, and the payment amount as a payer, and the user terminal 3 can be issued by the payer or the payee. use. It should be particularly noted that the payee account and the payee account may be customers of the banking institution and an account owned by the same, or customers of other banking institutions and an account owned by the same. In other words, the payer can make a payment during online shopping or initiate a payment action when an online bank performs a remittance or transfer transaction, so that the user terminal 3 used by the payer passes the payer's One person generates the payment request for an input operation. Alternatively, the payee may initiate a payment action when the payer consumes or pays in the physical store, so that the user terminal 3 used by the payee obtains the payment by scanning, for example, a QR Code After the payment information provided by the party is received, a payment request is generated by a person of the payee for input operation.

When the back-end processing server 2 receives the payment request from the service platform server 1, the transaction module 24 of the back-end processing server 2 will first determine the target stored in the storage module 21. Whether the account balance contained in the target account data D2 'contained in the financial account information D' is not less than the payment amount indicated by the payment request. Then, when the transaction module 24 of the back-end processing server 2 determines that the account balance contained in the target account data D2 'is not less than the payment amount indicated by the payment request (that is, the target account data D2 'contains the account balance sufficient to pay the payment amount indicated by the payment request), and deducts the payment amount from the account balance contained in the target account information D2'.

On the other hand, if the transaction module 24 of the back-end processing server 2 determines that the account balance contained in the target account data D2 'is less than the payment amount indicated by the payment request (that is, the target account The account balance contained in the data D2 'is insufficient to pay the payment amount indicated by the payment request), the transaction module 24 of the backend processing server 2 further determines the candidate contained in the target account data D' Whether the sum of the account balance contained in "account data D2" and the account balance contained in the target account data D2 'is not less than the payment amount indicated by the payment request. If the transaction module 24 determines that the sum of the account balance contained in the candidate account data D2 '' and the account balance contained in the target account data D2 'is less than the payment amount indicated by the payment request, thereafter The transaction module 24 of the end processing server 2 converts, for example, a part of the financial assets owned by the candidate payment account (for example, a part of the specific fund) into at least greater than the payment amount and (Taiwan dollar) amount of the difference between the account balance included in the target account information D2 ', and the account balance included in the candidate account information D2' 'is deducted by the amount, and the amount is added to the target account The account balance included in the data D2 'is deducted from the target account data D2' and the updated account balance deducts the payment amount indicated by the payment request. That is, in this embodiment, when the payment amount is successfully transferred to the payee account, the transaction module 24 of the back-end processing server 2 responds to the payment request via the service platform The server 1 sends a payment success notification to the user terminal 3 for the user terminal 3 to display the payment success notification. Otherwise, the transaction module 24 of the back-end processing server 2 may send a payment failure notification to the user terminal 3 via the service platform server 1 for the user terminal 3 to display the payment failure notification.

Hereinafter, referring to FIG. 1 and FIG. 3 as examples, the operation of the composite financial service system 100 is described in detail when the service request is a setting request corresponding to the setting option 13 and related to payment / debit account setting. .

In this case, the setting request indicates the target customer and a desired payment account (or a desired debit account), and the user terminal 3 can be used by the target customer. When the back-end processing server 2 receives the setting request from the service platform server 1, the setting module 23 of the back-end processing server 2 first determines the desired designation indicated by the setting request. Whether the payment account (or the desired designated debit account) exists in the accounts owned by the target customer, and it is determined that the desired designated payment account (or the desired debit account) exists in the target customer When you have those accounts (that is, successfully verify the desired designated payment account (or the desired designated debit account), update with the desired designated payment account (or the desired designated debit account) ( Stored in the storage module 21 of the back-end processing server 2) the bound account data D3 contained in the target financial account information D '(as shown in FIG. 3). Finally, the back-end processing server 2 In response to the setting request, the setting module 23 sends a setting success notification to the user terminal 3 through the service platform server 1 for the user terminal 3 to display the setting success notification.

It is worth noting that the account setting function provided by the composite financial service system 100 can perform related account settings during the initial registration / application period, and can also change the previous related account settings during subsequent use periods.

Referring to FIG. 1 and FIG. 3 as well, the operation of the composite financial service system 100 is described in detail when the service request is a query request corresponding to the operation of the query option 15. In this case, the query request may indicate one or more desired query accounts owned by the target customer, and the user terminal 3 may be used by the target customer. When the back-end processing server 2 receives the query request from the service platform server 1, the query module 25 of the back-end processing server 2 according to the target financial account stored in the storage module 21. The information D '(as shown in Fig. 3) contains a piece of or all of the historical data contained in the account data D2 / D2' / D2 '' of the account (s) to be queried to generate a query result. . Finally, the query module 25 of the back-end processing server 2 responds to the account query request, and transmits the query result to the user terminal 3 via the service platform server 1 for the user terminal 3 to display the query result. search result.

When the service request is a refund request corresponding to the operation of the transaction option 14, the refund request may indicate a refund party, the target customer as a payee, and the refund amount. When the back-end processing server 2 receives the refund request from the service platform server 1, the transaction module 24 of the back-end processing server 2 will be stored in the target finance of the storage module 21. The account balance D 'included in the account information D' (as shown in Fig. 3) plus the account balance plus the refund amount. That is to say, in this embodiment, after the refund amount is successfully transferred to the designated payment account, the transaction module 24 of the back-end processing server 2 responds to the refund request via the service platform server. The device 1 sends a refund successful notification to the user terminal 3 for the user terminal 3 to display the refund successful notification.

In addition, it should be particularly noted that, in this embodiment, when the bound account data D3 contained in the target financial account information D 'indicates that the predetermined transaction condition exists, the back-end processing server The transaction module 24 of 2 will automatically, especially when the designated debit account (that is, the designated payment account) has a refund account, determines that the account information (that is, the designated debit account) Whether the account balance contained in the target account data D2 ') meets the predetermined transaction conditions indicated by the bound account data D3 contained in the target financial account information D'. When the transaction module 24 of the back-end processing server 2 determines that the account balance contained in the target account data D2 '(as shown in FIG. 3) meets the predetermined transaction conditions (that is, the account balance is sufficient to purchase the When the desired financial product), the account balance contained in the target account data D2 'may be deducted by a transaction amount used to purchase the desired financial product, and then a transaction corresponding to the predetermined transaction may be executed at the transaction amount. Transactions, and update the target account information D2 'according to the transaction results (as shown in Figure 3), thereby, for the funds in the designated debit account owned by the target customer, can fully increase the desired Flexibility in purchasing financial products.

On the other hand, in the following, how the composite financial service system 100 provides composite financial services to a new customer of the banking institution will be exemplified in detail. In detail, referring to FIG. 1, the composite financial service system 100 can also cooperate with another user terminal 3 ′ (eg, a mobile device or a computer device) used by the new customer to provide online account opening services. When the user terminal 3 'is connected to the service platform server 1 via the communication network 4, the service platform server 1 introduces the user terminal 3' to the web page 10, so that the web page 10 is displayed to the user End 3 '. Then, the user terminal 3 ′ can generate an account opening request related to the account opening of the new customer by a person of the user operation interface 11 (input) for an input operation, and transmit the account opening request to the service platform. Server 1. In this case, the account opening request indicates the personal data of the new customer. Therefore, when receiving the account opening request from the user terminal 3 ′, the service platform server 1 transmits the account opening request to the back-end processing server 2. When the back-end processing server 2 receives the account opening request from the service platform server 1, the account opening module 22 of the back-end processing server 2 may include an account containing the personal data contained in the account opening request. The authentication request is transmitted to an external authentication server 5 (for example, the server to which the joint credit reporting agency belongs) via the communication network 4 and a successful response is received from the external authentication server 5 and responding to the authentication request. At the time, a financial account information corresponding to the new customer is created, and the created financial account information D (not shown) of the new customer is newly stored in the storage of the back-end processing server 2 Module 21.

In summary, for any (old) customer, the composite financial service system 100 not only provides the function of paying the payment amount with a designated payment account, but also provides a mechanism and account that can effectively ensure the success of the payment. Data query function, refund function, and increase the flexibility of account funds. For a new customer, the composite financial service system 100 can provide an online account opening function. Therefore, the composite financial service system 100 of the present invention can effectively achieve composite financial services and greatly improve the convenience during use, so it can indeed achieve the purpose of cost invention.

However, the above are only examples of the present invention. When the scope of implementation of the present invention cannot be limited in this way, any simple equivalent changes and modifications made in accordance with the scope of the patent application and the content of the patent specification of the present invention are still Within the scope of the invention patent.

100‧‧‧ composite financial service system

1‧‧‧Service Platform Server

10‧‧‧ website

11‧‧‧User interface

12‧‧‧ Account Opening Options

13‧‧‧setting options

14‧‧‧Trading Options

15‧‧‧Query Options

2‧‧‧ backend processing server

21‧‧‧Storage Module

22‧‧‧Account Opening Module

23‧‧‧setting module

24‧‧‧Transaction Module

25‧‧‧Query Module

3, 3'‧‧‧ Client

4‧‧‧Communication Network

5‧‧‧External Authentication Server

D‧‧‧Financial Account Information

D'‧‧‧ (Target) Financial Account Information

D1‧‧‧Customer Information

D2‧‧‧Account Information

D2'‧‧‧ (Target) Account Information

D2``‧‧‧ (candidate) account information

D3‧‧‧Binding Account Information

Other features and effects of the present invention will be clearly presented in the embodiment with reference to the drawings, in which: FIG. 1 is a block diagram illustrating an embodiment of the composite financial service system according to the present invention; FIG. 2 Is a block diagram exemplarily showing the content of each account financial information stored by a back-end processing server of the embodiment; and FIG. 3 is a block diagram exemplarily showing the embodiment when it is used Of a piece of financial information related to the account of a target customer.

Claims (7)

A composite financial service system includes: a service platform server capable of providing a webpage with a user operation interface, the user operation interface including at least a setting option related to a designated account, and a transaction option; and A back-end processing server, connected to the service platform server, and including a storage module, storing multiple pieces of financial account information corresponding to different customers, each piece of financial account information including one of these customers The customer information of the corresponding customer, a plurality of account information related to multiple different accounts owned by the corresponding customer, and the bound account information related to the corresponding customer, wherein each account information includes one of the accounts Corresponds to the account balance and historical data of the account. The bound account data indicates at least one of these accounts as an account for a designated payment account, a setting module, electrically connected to the storage module, and a transaction module, electrically The storage module; wherein, when a user terminal is connected to the service platform server through a communication network The service platform server directs the client to the webpage so that the webpage is displayed on the client; wherein, when the service platform server receives a message from the client and passed by the client When a person generates a service request for an input operation and is related to one of the target customers of the customer, the service request is transmitted to the back-end processing server. The service request may be at least related to payment or account settings. When the request is a payment request, the payment request indicates the target customer, a payee, a payee account, and a payment amount as a payer, and when the service request is a setting request related to a payment account setting When the setting request indicates the target customer and a desired payment account; wherein, when the back-end processing server receives the payment request from the service platform server, the transaction module determines the storage One of the financial account information in the storage module corresponds to the target customer and serves as the target financial account information When the amount contained in the account data corresponding to the designated payment account and as the target account information is not less than the payment amount indicated by the payment request, the account balance included in the target account information is deducted from the payment amount ; And, when the back-end processing server receives the setting request from the service platform server, the setting module successfully verifies the desired designated payment account indicated by the setting request, using the To specify a payment account to update the bound account data contained in the target financial account information stored in the storage module. The composite financial service system according to claim 1, wherein: the accounts owned by the target customer contain a financial asset account corresponding to a specific financial commodity and which is reserved as a candidate payment account; and After the terminal processing server receives the payment request and the transaction module determines that the account balance contained in the target account data is less than the payment amount indicated by the payment request and determines a correspondence contained in the target financial account information When the sum of the account balance contained in the candidate payment account and the account data used as the candidate account information and the account balance contained in the target account data is not less than the payment amount indicated by the payment request, the transaction module A portion of all financial assets of the candidate payment account is converted into an amount that is at least greater than the difference between the payment amount and the account balance included in the target account data, and the account balance included in the candidate account data is deducted by the amount, and Add this amount to the account balance contained in the target account data and The updated account balance deducted from the payment amount indicated in the payment request. The composite financial service system according to claim 1 or 2, wherein when the payment amount is successfully transferred to the payee account, the transaction module responds to the payment request via the service platform server Send a payment success notification to the user terminal for the user terminal to display the payment success notification. The composite financial service system according to claim 1, wherein: the user operation interface further includes an account opening option; the back-end processing server further includes an account opening module electrically connected to the storage module; when another use When the client terminal connects to the service platform server through the communication network, the service platform server directs the other user terminal to the webpage, so that the webpage is displayed on the other user terminal; when the service platform server When receiving an account opening request from the other user end and generated by the other user end through another person's input operation and related to a new customer, the account opening request is transmitted to the back-end processing server , Where the account opening request contains the personal information of the new customer; and when the backend processing server receives the account opening request from the service platform server, the account opening module will include the individual included in the account opening request The data verification request is sent to an external verification server, and is established when a verification response is received from the external verification server in response to the verification request. Pen corresponding to the new customer's financial account information, and the establishment of new pen financial account information stored in the storage module. The composite financial service system according to claim 1, wherein: the user operation interface further includes a query option; the back-end processing server further includes a query module electrically connected to the storage module; the service request also It can be related to account inquiry. When the service request is an account inquiry request, the account inquiry request indicates at least one desired inquiry account owned by the target customer; and when the back-end processing server receives from the service When the account query request of the platform server, the query module generates a query result according to a part or all of the historical data contained in the account data of the target account that corresponds to the desired financial account information, and responds The account query request sends the query result to the client through the service platform server for the client to display the query result. The composite financial service system according to claim 1, wherein: the selection of the bound account information included in each financial account information also indicates that one of the accounts is used as a designation for purchasing a desired financial product The account of the debit account and the predetermined transaction conditions related to the purchase of the desired financial product; and the transaction module determines that a piece of financial account information stored in the storage module contains and corresponds to the designated debit account When the account balance contained in the account information meets the predetermined transaction conditions indicated by the bound account information included in the financial account information, a transaction corresponding to the predetermined transaction conditions is executed, and the transaction is updated according to the transaction result. Financial account information. The composite financial service system according to claim 1, wherein: the service request may also be related to a refund. When the service request is a refund request, the refund request indicates a refund party as a recipient. The target customer and the refund amount of the payer; and when the back-end processing server receives the refund request from the service platform server, the transaction module will be stored in the target financial of the storage module The account balance included in the account information, the account balance plus the refund amount, and a refund success notification is sent to the client via the service platform server for the client to display the refund Successful notification.