TWI607402B - Online fund transfer methods and systems - Google Patents
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本發明係關於一種網路金融方法及系統，特別是一種網路轉帳方法及系統。The present invention relates to a network financial method and system, and more particularly to a network transfer method and system.
本領域中現有的轉帳機制皆不進行資訊判斷，且為單一發動方的技術，須由付款人提供完整的轉帳資訊、金額、帳號後，方能啟動該筆轉帳交易，此部分雖可鞏固安全性並將付款錯誤或者失敗的風險完全性的轉嫁給付款人，但對於付款人不便利，因其需判斷該帳戶為約定轉帳或非約定轉帳，或需要取得收款人的帳號資訊後方能進行轉帳交易。The existing transfer mechanism in the field does not carry out information judgment, and is a single-issue party technology, and the payer must provide complete transfer information, amount, and account number before starting the transfer transaction, which can consolidate security. Sexuality and the risk of payment error or failure is completely passed on to the payer, but it is not convenient for the payer, because it needs to judge that the account is an agreed transfer or non-agreed transfer, or need to obtain the payee's account information before proceeding Transfer transaction.
在一方面，本發明提供一種網路轉帳系統，適於設於一伺服器端，其可用於一網路銀行系統以供一轉帳人轉帳予一收款人，其包含：一驗證模組，用以驗證該轉帳人及該收款人之身分；一網址加解密模組；以及一轉帳交易模組；其中，該驗證模組於接獲一轉帳請求後驗證該轉帳人之身分；驗證通過後，該網址加解密模組產生該轉帳請求專屬之一網址，該網址允許該收款人連結至一對應之網頁；該驗證模組藉由於該網頁輸入的一驗證資訊來驗證該收款人之身分；驗證通過後，該轉帳交易模組進行轉帳交易。In one aspect, the present invention provides a network transfer system, which is adapted to be located at a server end, which can be used in an online banking system for a transferee to transfer to a payee, comprising: a verification module, For verifying the identity of the transferor and the payee; a URL encryption and decryption module; and a transfer transaction module; wherein the verification module verifies the identity of the transferor after receiving a transfer request; Afterwards, the URL encryption and decryption module generates a website address exclusive to the transfer request, the website allows the payee to connect to a corresponding webpage; the verification module verifies the payee by using a verification information input by the webpage The identity is transferred; after the verification is passed, the transfer transaction module performs the transfer transaction.
在本發明之一具體實施例中，該網路轉帳系統進一步包含一使用者端軟體產品，其係提供一使用者介面以與該轉帳人互動。In one embodiment of the invention, the network transfer system further includes a client software product that provides a user interface to interact with the transferee.
在本發明之一具體實施例中，於該轉帳人之身分驗證通過後，該使用者介面係要求該轉帳人輸入一取款密碼，該取款密碼可由該轉帳人自行設定。In a specific embodiment of the present invention, after the identity verification of the transferee is passed, the user interface requests the transferor to input a withdrawal password, and the withdrawal password can be set by the transferee.
根據本發明之較佳具體實施例，該網頁係要求收款人輸入收款帳號，該轉帳交易模組會依該收款帳號進行轉帳交易。According to a preferred embodiment of the present invention, the web page requires the payee to input a payment account, and the transfer transaction module performs a transfer transaction according to the payment account.
根據本發明，該網路轉帳系統可進一步包含一通訊模組，其係用於將該網址及/或該取款密碼藉由一通訊方式提供予該收款人。According to the present invention, the network transfer system can further include a communication module for providing the website and/or the withdrawal password to the payee by means of a communication.
本發明之網路轉帳系統可運用通訊模組、網址加解密模組、驗證模組以及轉帳交易模組，將原本一段式的轉帳交易切分成為兩段式的交易，使擁有部分資訊的付款方以及收款方，能夠透過該部分的資訊，完成完整的交易。The network transfer system of the present invention can use the communication module, the website encryption and decryption module, the verification module and the transfer transaction module to split the original one-end transfer transaction into a two-stage transaction, so that the payment of the partial information is made. The party and the payee can complete the complete transaction through the information in this part.
另一方面，本發明提供一種網路轉帳方法，其可用於一網路銀行系統以供一轉帳人轉帳予一收款人，其包含：一驗證模組於接獲一轉帳請求後驗證該轉帳人之身分；驗證通過後，一網址加解密模組產生該轉帳請求專屬之一網址，該網址允許該收款人連接至一對應之網頁；該驗證模組藉由於該網頁輸入的一驗證資訊來驗證該收款人之身分；以及一轉帳交易模組於收款人之身分驗證通過後進行轉帳交易。In another aspect, the present invention provides a network transfer method, which can be used in an online banking system for a transferee to transfer to a payee, comprising: a verification module verifying the transfer after receiving a transfer request The identity of the person; after the verification is passed, a website encryption and decryption module generates a website address of the transfer request, the website allows the payee to connect to a corresponding webpage; the verification module uses a verification information input by the webpage To verify the identity of the payee; and a transfer transaction module to transfer the transaction after the identity of the payee is verified.
在本發明之一具體實施例中，該網路轉帳方法進一步包含：一使用者端軟體產品提供一使用者介面以與該轉帳人互動。In a specific embodiment of the present invention, the network transfer method further includes: a client software product providing a user interface to interact with the transfer person.
在另一具體實施例中，該使用者介面於該轉帳人身分驗證通過後，要求該轉帳人輸入一取款密碼。In another embodiment, the user interface asks the transferee to enter a withdrawal password after the transferee identity verification is passed.
在本發明之較佳具體實施例中，該網頁要求收款人輸入收款帳號。In a preferred embodiment of the invention, the web page requires the payee to enter a payment account number.
根據本發明之部分具體實施例，該網路轉帳方法進一步包含：一通訊模組藉由一通訊方式提供該網址及/或該取款密碼予該收款人。According to some embodiments of the present invention, the network transfer method further includes: a communication module providing the website address and/or the withdrawal password to the payee by means of a communication method.
本發明之其他目的及優點一部分記載於下述說明中，或可透過本發明的實施例而理解。應了解前文之發明內容及下文之實施方式僅為例示性及闡釋性之說明，而非如申請專利範圍般限定本發明。Other objects and advantages of the invention will be set forth in the description which follows. It is to be understood that the foregoing description of the invention and the invention are intended to
除非另有指明，所有在此處使用的技術性和科學性術語具有如同本創作所屬技藝中之通常技術者一般所瞭解的意義。All technical and scientific terms used herein have the meaning as commonly understood by one of ordinary skill in the art to which the present invention pertains, unless otherwise indicated.
本文所使用的「一」乙詞，如未特別指明，係指至少一個（一個或一個以上）之數量。The term "a" as used herein, unless otherwise specified, refers to the quantity of at least one (one or more).
在一方面，本發明提供一種網路轉帳系統，適於設於一伺服器端，其可用於一網路銀行系統以供一轉帳人轉帳予一收款人。該網路轉帳系統包含一驗證模組，用以驗證該轉帳人及該收款人之身分；一網址加解密模組；以及一轉帳交易模組。其中，該驗證模組於接獲一轉帳請求後驗證該轉帳人之身分；驗證通過後，該網址加解密模組產生該轉帳請求專屬之一網址，該網址允許該收款人連結至一對應之網頁；該驗證模組藉由於該網頁輸入的一驗證資訊來驗證該收款人之身分；驗證通過後，該轉帳交易模組進行轉帳交易。In one aspect, the present invention provides a network transfer system adapted to be located at a server end for use in an online banking system for a transferee to transfer to a payee. The network transfer system includes a verification module for verifying the identity of the transferor and the payee; a URL encryption and decryption module; and a transfer transaction module. The verification module verifies the identity of the transferee after receiving a transfer request; after the verification is passed, the URL encryption and decryption module generates a URL of the transfer request exclusive, the URL allows the payee to link to a corresponding a webpage; the verification module verifies the identity of the payee by using a verification information input by the webpage; after the verification is passed, the transfer transaction module performs a transfer transaction.
在本發明之一具體實施例中，該網路轉帳系統進一步包含一使用者端軟體產品，其係提供一使用者介面以與該轉帳人互動。該使用者端軟體產品包括但不限於行動軟體（mobile application, App）。該轉帳請求係可透過該使用者介面傳送至伺服器端之該網路轉帳系統。在另一具體實施例中，該轉帳請求係透過網頁版之網路銀行使用者介面傳送至伺服器端之該網路轉帳系統。In one embodiment of the invention, the network transfer system further includes a client software product that provides a user interface to interact with the transferee. The client software product includes but is not limited to a mobile application (App). The transfer request can be transmitted to the network transfer system of the server through the user interface. In another embodiment, the transfer request is transmitted to the network transfer system on the server side via the web version of the online banking user interface.
根據本發明之較佳具體實施例，在送出轉帳請求前，該使用者端軟體產品會要求轉帳人輸入以下資訊：（轉帳人之）轉出帳號、轉出金額以及收款人的一聯絡資訊。該聯絡資訊可為，例如，手機號碼或電子郵件地址。對應而言，所述轉帳請求之內容可包括：轉出帳號、轉出金額以及收款人之聯絡資訊。According to a preferred embodiment of the present invention, before the transfer request is sent, the client software product requests the transferor to input the following information: (the transferee) to transfer the account number, the transfer amount, and the contact information of the payee . The contact information can be, for example, a mobile phone number or an email address. Correspondingly, the content of the transfer request may include: transferring the account number, the transfer amount, and the contact information of the payee.
在本發明之一具體實施例中，於該轉帳人之身分驗證通過後，該使用者介面係要求該轉帳人輸入一取款密碼，該取款密碼可由該轉帳人自行設定。In a specific embodiment of the present invention, after the identity verification of the transferee is passed, the user interface requests the transferor to input a withdrawal password, and the withdrawal password can be set by the transferee.
根據本發明之較佳具體實施例，該網頁係要求收款人輸入收款帳號，該轉帳交易模組會依該收款帳號進行轉帳交易。According to a preferred embodiment of the present invention, the web page requires the payee to input a payment account, and the transfer transaction module performs a transfer transaction according to the payment account.
根據本發明，該網路轉帳系統可進一步包含一通訊模組，其係用於將該網址及/或該取款密碼藉由一通訊方式提供予該收款人。該通訊方式包括但不限於App通知、簡訊通知或電子郵件通知。According to the present invention, the network transfer system can further include a communication module for providing the website and/or the withdrawal password to the payee by means of a communication. This communication method includes but is not limited to App notifications, SMS notifications or email notifications.
在本發明之部分具體實施例中，該驗證資訊包括該取款密碼。In some embodiments of the present invention, the verification information includes the withdrawal password.
根據本發明之一較佳具體實施例中，該驗證模組係藉由傳送一次性密碼（OTP）至該轉帳人之個人裝置進行身分之驗證。該轉帳人可於上述使用者端軟體產品之使用者介面輸入該一次性密碼以完成驗證。According to a preferred embodiment of the present invention, the verification module performs identity verification by transmitting a one-time password (OTP) to the personal device of the transferee. The transferee can enter the one-time password in the user interface of the user-side software product to complete the verification.
另一方面，本發明提供一種網路轉帳方法，其可用於一網路銀行系統以供一轉帳人轉帳予一收款人。該方法包含：一驗證模組於接獲一轉帳請求後驗證該轉帳人之身分；驗證通過後，一網址加解密模組產生該轉帳請求專屬之一網址，該網址允許該收款人連接至一對應之網頁；該驗證模組藉由於該網頁輸入的一驗證資訊來驗證該收款人之身分；以及一轉帳交易模組於收款人之身分驗證通過後進行轉帳交易。In another aspect, the present invention provides a network transfer method that can be used in an online banking system for a transferee to transfer to a payee. The method includes: a verification module verifying the identity of the transfer person after receiving a transfer request; after the verification is passed, a website encryption and decryption module generates a website address of the transfer request, the website allows the payee to connect to a corresponding webpage; the verification module verifies the identity of the payee by means of a verification information input by the webpage; and a transfer transaction module performs the transfer transaction after the verification of the identity of the payee.
在本發明之一具體實施例中，該網路轉帳方法進一步包含：一使用者端軟體產品提供一使用者介面以與該轉帳人互動。該使用者端軟體產品包括但不限於行動軟體（mobile application, App）。該轉帳請求係可透過該使用者介面傳送至伺服器端之該網路轉帳系統。在另一具體實施例中，該轉帳請求係透過網頁版之網路銀行使用者介面傳送至伺服器端之該網路轉帳系統。In a specific embodiment of the present invention, the network transfer method further includes: a client software product providing a user interface to interact with the transfer person. The client software product includes but is not limited to a mobile application (App). The transfer request can be transmitted to the network transfer system of the server through the user interface. In another embodiment, the transfer request is transmitted to the network transfer system on the server side via the web version of the online banking user interface.
根據本發明之較佳具體實施例，在送出轉帳請求前，該使用者端軟體產品會要求轉帳人輸入以下資訊：（轉帳人之）轉出帳號、轉出金額以及收款人的一聯絡資訊。該聯絡資訊可為，例如，手機號碼或電子郵件地址。對應而言，所述轉帳請求之內容可包括：轉出帳號、轉出金額以及收款人之聯絡資訊。According to a preferred embodiment of the present invention, before the transfer request is sent, the client software product requests the transferor to input the following information: (the transferee) to transfer the account number, the transfer amount, and the contact information of the payee . The contact information can be, for example, a mobile phone number or an email address. Correspondingly, the content of the transfer request may include: transferring the account number, the transfer amount, and the contact information of the payee.
在另一具體實施例中，該使用者介面於該轉帳人身分驗證通過後，要求該轉帳人輸入一取款密碼。In another embodiment, the user interface asks the transferee to enter a withdrawal password after the transferee identity verification is passed.
在本發明之較佳具體實施例中，該網頁要求收款人輸入收款帳號。In a preferred embodiment of the invention, the web page requires the payee to enter a payment account number.
根據本發明之部分具體實施例，該網路轉帳方法進一步包含：一通訊模組藉由一通訊方式提供該網址及/或該取款密碼予該收款人。該通訊方式包括但不限於App通知、簡訊通知或電子郵件通知。在一具體實施例中，該驗證資訊包括該取款密碼。According to some embodiments of the present invention, the network transfer method further includes: a communication module providing the website address and/or the withdrawal password to the payee by means of a communication method. This communication method includes but is not limited to App notifications, SMS notifications or email notifications. In a specific embodiment, the verification information includes the withdrawal password.
在本發明之一具體實施例中，該驗證模組傳送一次性密碼（OTP）至該轉帳人之個人裝置以進行身分驗證。該轉帳人可於上述使用者端軟體產品之使用者介面輸入該一次性密碼以完成驗證。In one embodiment of the invention, the verification module transmits a one-time password (OTP) to the transferee's personal device for identity verification. The transferee can enter the one-time password in the user interface of the user-side software product to complete the verification.
可選地，本發明之網路轉帳系統於交易完成後可傳送相關訊息通知該使用者（付款人或轉帳人）。較佳地，該轉帳請求專屬之網址具有時效性，例如，僅在24小時內有效。Optionally, the network transfer system of the present invention may transmit the relevant information to notify the user (payer or transferor) after the transaction is completed. Preferably, the URL of the transfer request is time-sensitive, for example, valid only within 24 hours.
較佳地，本發明之網路轉帳系統可於收款人於連結至該網址之對應網頁並輸入該取款密碼後，才顯示該筆轉帳交易之金額，並可允許收款人自行選擇收款銀行及帳號。Preferably, the network transfer system of the present invention displays the amount of the transfer transaction after the payee connects to the corresponding webpage of the website and inputs the withdrawal password, and allows the payee to select the payment by himself. Bank and account number.
具體而言，所述驗證模組、網址加解密模組、轉帳交易模組以及通訊模組皆可透過程式設計或軟體技術實現。Specifically, the verification module, the URL encryption and decryption module, the transfer transaction module, and the communication module can be implemented by programming or software technology.
現參照圖1 說明本發明之網路轉帳系統的一較佳具體實施例如下。 1 illustrates one preferred embodiment of the web transfer system of the present invention Referring now to Figure for example.
如圖1 之系統架構圖所示，本發明之網路轉帳系統適於設於一伺服器端100 ，該網路轉帳系統可用於一網路銀行系統以供一轉帳人轉帳予一收款人。在本具體實施例中，所述網路轉帳系統包含一驗證模組10 、一網址加解密模組20 、一轉帳交易模組30 以及一通訊模組40 。該驗證模組10 係用以驗證該轉帳人及該收款人之身分。轉帳人可於其個人裝置（例如，智慧型手機）上安裝一使用者端軟體產品，欲轉帳時，可透過該使用者端軟體產品之使用者介面傳送一轉帳請求50 至該伺服器端100 。該驗證模組10 於接獲轉帳請求後會驗證該轉帳人之身分。在本具體實施例中，該驗證模組10 係產生並傳送一個一次性密碼至該轉帳人之個人裝置，以進行身分驗證。該轉帳人可於上述使用者介面輸入所接獲的一次性密碼以完成驗證。驗證通過後，該網址加解密模組20 產生該轉帳請求專屬之一網址（URL），該網址可允許收款人連結至一對應之網頁22 。此外，該使用者介面係要求該轉帳人輸入一取款密碼，該取款密碼可由該轉帳人自行設定。接著，該通訊模組40 係藉由一通訊方式提供該網址及該取款密碼予該收款人。該驗證模組10 藉由於該網頁22 輸入的一驗證資訊60 來驗證該收款人之身分，該網頁22 並要求收款人輸入收款帳號。在本具體實施例中，該驗證資訊60 即為該取款密碼。驗證通過後，該轉帳交易模組30 即依該轉帳請求50 及該收款帳號進行轉帳交易。As shown in the system architecture diagram of FIG. 1 , the network transfer system of the present invention is adapted to be provided at a server end 100 , which can be used in an online banking system for a transferee to transfer to a payee. . In this embodiment, the network transfer system includes a verification module 10 , a URL encryption and decryption module 20 , a transfer transaction module 30, and a communication module 40 . The verification module 10 is used to verify the identity of the transferor and the payee. The transferee can install a client software product on the personal device (for example, a smart phone). When the money transfer is to be made, a transfer request 50 can be transmitted to the server terminal 100 through the user interface of the client software product. . The verification module 10 verifies the identity of the transferee after receiving the transfer request. In this embodiment, the verification module 10 generates and transmits a one-time password to the personal device of the transferee for identity verification. The transferee can enter the received one-time password in the above user interface to complete the verification. After the verification is passed, the URL encryption/decryption module 20 generates a URL (URL) unique to the transfer request, which allows the payee to connect to a corresponding web page 22 . In addition, the user interface requires the transferee to input a withdrawal password, which can be set by the transferee. Then, the communication module 40 provides the website address and the withdrawal password to the payee by means of a communication method. The verification module 10 to the web 22 by a 60 input authentication information to verify the identity of the payee, the payee page 22 and enter the required payment account. In the specific embodiment, the verification information 60 is the withdrawal password. After the verification is passed, the transfer transaction module 30 performs the transfer transaction according to the transfer request 50 and the receipt account.
本發明之網路轉帳方法可配合本發明之網路轉帳系統實現，同時參照圖1 及圖2 詳述如下。The network transfer method of the present invention can be implemented in conjunction with the network transfer system of the present invention, and is described in detail below with reference to FIGS. 1 and 2 .
圖2 為對應於本發明之網路轉帳方法的一較佳具體實施例之流程圖。如圖1-2 所示，本發明之網路轉帳方法，可用於一網路銀行系統以供一轉帳人轉帳予一收款人，其包含以下步驟：一驗證模組10 於接獲一轉帳請求50 後驗證該轉帳人之身分（步驟S210 ）；驗證通過後，一網址加解密模組20 產生該轉帳請求專屬之一網址，該網址允許該收款人連接至一對應之網頁22 （步驟S220 ）；一通訊模組40 藉由一通訊方式提供該網址予該收款人（步驟S225 ）；該驗證模組10 藉由於該網頁22 輸入的一驗證資訊60 來驗證該收款人之身分（步驟S230 ）；以及一轉帳交易模組30 於收款人之身分驗證通過後進行轉帳交易（步驟S240 ）。在一實例中，該驗證資訊60 包括一取款密碼，其係由轉帳人設定並經由該通訊模組40 提供予該收款人。 2 is a flow chart of a preferred embodiment of a network transfer method corresponding to the present invention. As shown in FIG. 1-2 , the network transfer method of the present invention can be used in an online banking system for a transferee to transfer to a payee, which includes the following steps: a verification module 10 receives a transfer After the request 50 , the identity of the transfer person is verified (step S210 ); after the verification is passed, a website encryption/decryption module 20 generates a website address exclusive to the transfer request, and the website allows the payee to connect to a corresponding web page 22 (step S220 ); a communication module 40 provides the website to the payee by means of a communication method (step S225 ); the verification module 10 verifies the identity of the payee by using a verification information 60 input by the webpage 22 (Step S230 ); and a transfer transaction module 30 performs a transfer transaction after the payment of the identity of the payee (step S240 ). In one example, the verification information 60 includes a withdrawal password that is set by the transferee and provided to the payee via the communication module 40 .
在一實例中，使用者於行動裝置輸入擬轉帳對象之帳號，本發明之網路轉帳系統會判斷其為約定轉帳或非約定轉帳，並檢核相對應可以授予的金額，如為約定轉帳，則啟用行動金鑰一次性密碼（OTP）的安全認證機制進行交易認證（例如，於使用者介面輸入一次性密碼），並完成該筆交易。在另一實例中（非約定轉帳），使用者於行動裝置輸入擬轉帳對象之手機號碼（轉帳請求所包含的資訊之一），本發明之網路轉帳系統允許使用者輸入一取款密碼，並可選擇以何種方式將該取款密碼傳輸給收款人（例如，若收款人之行動裝置亦安裝有包括本發明之網路轉帳系統之網路銀行App，可透過本發明之系統傳輸，或者使用者可選擇自行以簡訊或其他通訊軟體等傳輸該取款密碼），以增交易安全性（亦可進一步以行動金鑰一次性密碼（OTP）進行安全認證機制），另外，本發明之網路轉帳系統之網址加解密模組會產生一個一次性的本次轉帳專屬網址（URL）自動透過該手機號碼（例如，簡訊）或其他方式傳輸給收款人；其後，收款人可藉由其行動裝置（手機）連結至該專屬網址之對應網頁，並於輸入該取款密碼後完成此筆轉帳交易。在另一實例中（非約定轉帳），使用者於行動裝置輸入擬轉帳對象之電子郵件地址（轉帳請求所包含的資訊之一），本發明之網路轉帳系統允許使用者輸入一取款密碼，並可選擇以何種方式將該取款密碼傳輸給收款人（例如，若收款人之行動裝置亦安裝有本發明之網路轉帳系統，可透過本發明之系統傳輸，或者使用者可選擇自行以簡訊或其他通訊軟體等傳輸該取款密碼），以增交易安全性（亦可進一步以行動金鑰一次性密碼（OTP）進行安全認證機制），另外，本發明之網路轉帳系統之網址加解密模組會產生一個一次性的專屬網址（URL）自動透過該電子郵件地址或其他方式（例如，來自使用者之行動裝置中與該電子郵件地址相對應的收款聯絡資訊）傳輸給收款人；其後，收款人可藉由其行動裝置或電腦連結至該專屬網址之對應網頁，並於輸入該取款密碼後完成此筆轉帳交易。In an example, the user inputs the account number of the object to be transferred to the mobile device, and the network transfer system of the present invention determines that it is an agreed transfer or a non-contract transfer, and checks the corresponding amount that can be granted, for example, for an agreed transfer. Then activate the action key authentication (OTP) security authentication mechanism for transaction authentication (for example, enter a one-time password in the user interface) and complete the transaction. In another example (non-contract transfer), the user inputs the mobile phone number of the intended transfer object (one of the information included in the transfer request) on the mobile device, and the network transfer system of the present invention allows the user to input a withdrawal password, and The manner in which the withdrawal password can be transmitted to the payee can be selected (for example, if the payee's mobile device is also installed with an online banking application including the network transfer system of the present invention, it can be transmitted through the system of the present invention. Alternatively, the user may choose to transmit the withdrawal password by means of a newsletter or other communication software, etc., in order to increase transaction security (may further implement a secure authentication mechanism using an action key one-time password (OTP)), in addition, the network of the present invention The website transfer encryption and decryption module will generate a one-time transfer-only URL (URL) that is automatically transmitted to the payee through the mobile number (for example, a newsletter) or other means; thereafter, the payee can borrow The mobile device (mobile phone) is linked to the corresponding webpage of the exclusive website, and the transfer transaction is completed after the withdrawal password is input. In another example (non-contract transfer), the user enters an email address of the intended transfer object (one of the information included in the transfer request) on the mobile device, and the network transfer system of the present invention allows the user to input a withdrawal password. And the manner in which the withdrawal password can be transmitted to the payee (for example, if the payee's mobile device is also equipped with the network transfer system of the present invention, it can be transmitted through the system of the present invention, or the user can select Self-transmission of the withdrawal password by SMS or other communication software, etc.) to increase transaction security (may further implement a secure authentication mechanism with an action key one-time password (OTP)). In addition, the URL of the network transfer system of the present invention The encryption and decryption module will generate a one-time dedicated URL (URL) to automatically transmit to the email address or other means (for example, the payment contact information corresponding to the email address from the user's mobile device). The payee can then connect to the corresponding webpage of the exclusive website by his mobile device or computer and enter the withdrawal After completing this code pen transfer transaction.
在一實例中，轉帳人端之相關流程包括：使用者（轉帳人）於本發明之網路轉帳系統之行動裝置App使用者介面輸入擬轉帳對象之手機號碼；使用者可自訂一組取款密碼，並提供給收款人進行認證；App端會呼叫本發明之網路轉帳系統之伺服器端，確認是否本人執行此筆轉帳交易（例如，藉由一次性密碼（OTP）等方式）； App端之通訊模組通知收款人該取款密碼；該通訊模組會將轉帳資訊（包括伺服器端產生之一次性的專屬網址）以簡訊傳送給收款人，待收款人於一定時間內（例如，24小時內）進行取款。收款人端之相關流程則包括：收款人收到來自轉帳人的轉帳通知，其中含有該專屬網址；點選該網址，進入收款頁面，填寫該取款密碼及圖形驗證碼；填寫收款人的帳戶的銀行代碼、帳號；收款人收到款項後，系統可自動通知轉帳人此筆交易已完成。In an example, the related process of the transfer terminal includes: the user (transfer) inputting the mobile phone number of the object to be transferred in the mobile device user interface of the network transfer system of the present invention; the user can customize a group of withdrawals The password is provided to the payee for authentication; the App will call the server of the network transfer system of the present invention to confirm whether the person performs the transfer transaction (for example, by means of a one-time password (OTP), etc.); The communication module of the app end notifies the payee of the withdrawal password; the communication module transmits the transfer information (including the one-time exclusive URL generated by the server) to the payee by the short message, and the payee is at a certain time. Withdrawals are made within (for example, within 24 hours). The relevant process of the payee side includes: the payee receives the transfer notice from the transfer person, which contains the exclusive website address; click the website address, enter the collection page, fill in the withdrawal password and the graphic verification code; fill in the payment The bank code and account number of the person's account; after the payee receives the payment, the system can automatically notify the transferor that the transaction has been completed.
100‧‧‧伺服器端
10‧‧‧驗證模組
20‧‧‧網址加解密模組
22‧‧‧網頁
30‧‧‧轉帳交易模組
40‧‧‧通訊模組
50‧‧‧轉帳請求
60‧‧‧驗證資訊 100 ‧‧‧Server side
10 ‧‧‧ verification module
20 ‧‧‧Website encryption and decryption module
22 ‧‧‧Webpage
30 ‧‧‧Transfer Transaction Module
40 ‧‧‧Communication Module
50 ‧‧‧Transfer request
60 ‧‧‧Verification information
圖1顯示對應於本發明之一較佳具體實施例之系統架構圖。1 shows a system architecture diagram corresponding to a preferred embodiment of the present invention.
圖2 顯示對應於本發明之一較佳具體實施例之流程圖。Figure 2 shows a flow chart corresponding to a preferred embodiment of the present invention.
無no
100‧‧‧伺服器端 100 ‧‧‧Server side
10‧‧‧驗證模組 10 ‧‧‧ verification module
20‧‧‧網址加解密模組 20 ‧‧‧Website encryption and decryption module
22‧‧‧網頁 22 ‧‧‧Webpage
30‧‧‧轉帳交易模組 30 ‧‧‧Transfer Transaction Module
40‧‧‧通訊模組 40 ‧‧‧Communication Module
50‧‧‧轉帳請求 50 ‧‧‧Transfer request
60‧‧‧驗證資訊 60 ‧‧‧Verification information
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| TW105120465A TWI607402B (en) | 2016-04-26 | 2016-06-29 | Online fund transfer methods and systems |
| TW105211929U TWM534393U (en) | 2016-04-26 | 2016-08-05 | System of prelogin preview for online bank |
| TW105125073A TWI640938B (en) | 2016-04-26 | 2016-08-05 | Online fund transfer methods and systems |
| TW105125074A TWI638326B (en) | 2016-04-26 | 2016-08-05 | Method of prelogin preview for online bank and system thereof |
| TW105211928U TWM535366U (en) | 2016-04-26 | 2016-08-05 | Online fund transfer system |
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| TW105125074A TWI638326B (en) | 2016-04-26 | 2016-08-05 | Method of prelogin preview for online bank and system thereof |
| TW105211928U TWM535366U (en) | 2016-04-26 | 2016-08-05 | Online fund transfer system |
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| TWM536774U (en) * | 2016-04-26 | 2017-02-11 | 台新國際商業銀行股份有限公司 | Online fund transfer system |
| TWI810435B (en) * | 2020-02-20 | 2023-08-01 | 財金資訊股份有限公司 | System and method for mobile phone number transfer agreement |
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| TW201721559A (en) | 2017-06-16 |
| TWI638326B (en) | 2018-10-11 |
| TW201721541A (en) | 2017-06-16 |
| TWI640938B (en) | 2018-11-11 |
| TWM535366U (en) | 2017-01-11 |
| TW201721542A (en) | 2017-06-16 |
| TWM534393U (en) | 2016-12-21 |
| TWM536774U (en) | 2017-02-11 |
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