TWI640938B - Online fund transfer methods and systems - Google Patents

Abstract

The present invention provides a network transfer system that can be used in an online banking system for a transferee to transfer to a payee, comprising: a software product that provides a user interface to interact with the transferee, The software product includes an intelligent input module; a verification module for verifying the identity of the transferor and the payee; a website encryption and decryption module; and a transfer transaction module; wherein the software product requires the The transferee inputs a contact character information of the payee to trigger a transfer request; the smart input module displays corresponding information of the payee correspondingly to the user interface according to the contact character information; The verification module verifies the identity of the transferee after receiving the transfer request; after the verification is passed, the URL encryption and decryption module generates a dedicated one of the transfer request addresses, and the website allows the payee to link to a corresponding webpage; The verification module verifies the identity of the payee by using a verification information input by the webpage; and after the verification is passed, the transfer transaction module performs a transfer transaction.

Description

Internet transfer method and system

The present invention relates to a network financial method and system, and more particularly to a network transfer method and system.

At present, the design of the computer or App user interface of most online banks requires the user to actively check relevant information to facilitate the judgment of the system. If the judgment is incorrect, the transaction cannot be performed and needs to be re-entered, resulting in use. The design of the interface is more complicated, and it is necessary to check and input more information fields, which is less convenient to use.

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.

In one aspect, the present invention provides a network transfer system adapted or primarily located at a server end for use in an online banking system for a transferee to transfer to a payee, comprising: a software product Providing a user interface for interacting with the transferee, the software product comprising an intelligent input module; a verification module for verifying the identity of the transferor and the payee; a web address encryption and decryption module; And a transfer transaction module, wherein the software product requires the transfer person to input a contact character information of the payee to trigger a transfer request; the smart input module is correspondingly based on the contact character information, correspondingly Displaying the relevant information of the payee on the user interface; the verification module verifies the identity of the transferor after receiving the transfer request; after the verification is passed, the URL encryption and decryption module generates one of the transfer request exclusive URLs 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, after the verification is passed, the transfer Easy modular transfer money transactions.

In some embodiments of the invention, the contact character information is a bank code, a mobile phone number, or an email address.

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.

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.

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.

According to the present invention, the character analysis module can include: a receiving module for receiving a character information from the user end; a character analysis module; and a character definition database stored in a predetermined a definition of a plurality of character information types; wherein the character analysis module is configured to parse the character information and compare the data in the character definition database to determine which character the character information belongs to Type of information.

In a specific embodiment of the present invention, the character analysis module searches for a specific keyword in the character information according to the definition of the predetermined plurality of character information types in the database. The comparison.

The network transfer system of the present invention can use the client software product, 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. The payer and the payee who own part of the information can complete the complete transaction through the information of the part; in addition, the network transfer system of the present invention allows the user (transfer) to input various information in a single field. And through the character analysis module and the definition of the character definition database, the judgment of the input information is completed, and the user can complete the transfer transaction in different ways by using a simple user interface, and simplify the user's input. And check the fields.

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, comprising: a software product that provides a user interface to transfer with the user Human interaction, the software product includes an intelligent input module, the software product requires the transfer person to input a contact character information of the payee to trigger a transfer request; the smart input module is based on the contact character information Correspondingly displaying the relevant information of the payee on the user interface; a verification module verifies the identity of the transferee after receiving the transfer request; after the verification is passed, a URL encryption and decryption module generates the transfer request exclusive a web address that allows the payee to connect to a corresponding web page; the verification module verifies the identity of the payee by means of a verification message entered by the web page; and a transfer transaction module is applied to the payee After the identity verification is passed, the transfer transaction is carried out.

In a specific embodiment of the present invention, the user interface asks the transfer person to input a withdrawal password after the transferee identity verification is passed.

In a preferred embodiment of the invention, the web page requires the payee to enter a payment account number.

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.

According to the present invention, the character analysis module can include: a receiving module for receiving a character information from the user end; a character analysis module; and a character definition database stored in a predetermined a definition of a plurality of character information types; wherein the character analysis module is configured to parse the character information and compare the data in the character definition database to determine which character the character information belongs to Type of information.

In a specific embodiment of the present invention, the character analysis module searches for a specific keyword in the character information according to the definition of the predetermined plurality of character information types in the database. The comparison.

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

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.

The term "a" as used herein, unless otherwise specified, refers to the quantity of at least one (one or more).

In one aspect, the present invention provides a network transfer system that is adapted or primarily located at a server end that can be used in an online banking system for a transferee to transfer to a payee. The network transfer system includes a software product that provides a user interface to interact with the transferee, the software product includes an intelligent input module, and a verification module for verifying the transferor and the payee An identity encryption and decryption module; and a transfer transaction module; wherein the software product requires the transfer person to input a contact character information of the payee to trigger a transfer request; the intelligent input module is According to the contact character information, the related information of the payee is displayed correspondingly to the user interface; the verification module verifies the identity of the transfer person after receiving the transfer request; after the verification is passed, the website is encrypted and decrypted. The group 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 identity of the payee by using a verification information input by the webpage; and after the verification is passed The transfer transaction module performs a transfer transaction.

In accordance with the present invention, the software product is a consumer 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.

The "contact character information" used in this document includes, but is not limited to, a bank code, a mobile phone number, or an email address.

According to a preferred embodiment of the present invention, before the transfer request is sent, the software product asks the transferor to input the following information: (the transferee) to transfer the account number, the transfer amount, and the payee's contact character information. The contact character 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, transferring the amount, and the payee's contact character information.

In a specific embodiment of the present invention, in addition to the contact character information, the software product further requests the transferor to input a transfer amount to trigger the transfer request.

In another embodiment, if the contact character information input by the transferee is the bank code of the payee's collection account, the smart input module further requests the transferor to enter the account number of the payment account. In other words, the contact character information here may be the bank code and account number of the payment account, and may also be included in the content of the transfer request.

If the payee is also a user of the software product, the contact character information may also be the ID of the payee registered in the software product.

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.

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.

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. In a specific embodiment, the communication module determines the communication mode based on the contact character information.

In some embodiments of the present invention, the verification information includes the withdrawal password.

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.

According to a preferred embodiment of the present invention, before the transfer request is sent, the software product asks the transferor to input the following information: (the transferee) to transfer the account number, the transfer amount, and the payee's contact character information. The contact character 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, transferring the amount, and the payee's contact character information.

According to the present invention, the character analysis module can include: a receiving module for receiving a character information from the user end; a character analysis module; and a character definition database stored in a predetermined a definition of a plurality of character information types; wherein the character analysis module is configured to parse the character information and compare the data in the character definition database to determine which character the character information belongs to Type of information.

In a specific embodiment of the present invention, the character analysis module searches for a specific keyword in the character information according to the definition of the predetermined plurality of character information types in the database. The comparison.

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 comprises: a software product, which provides a user interface for interacting with the transferee, the software product comprising an intelligent input module, the software product requiring the transfer person to input a contact character information of the payee, To trigger a transfer request; the smart input module displays corresponding information of the payee correspondingly to the user interface according to the contact character information; and the verification module verifies the transfer person after receiving the transfer request After the verification is passed, a URL encryption and decryption module generates a website address of the transfer request, which allows the payee to connect to a corresponding webpage; the verification module is based on a verification information input by the webpage. Verify the identity of the payee; and a transfer transaction module performs the transfer transaction after the recipient's identity is verified.

In another embodiment, the user interface asks the transferee to enter a withdrawal password after the transferee identity verification is passed.

In a preferred embodiment of the invention, the web page requires the payee to enter a payment account number.

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.

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.

According to the present invention, the character analysis module can include: a receiving module for receiving a character information from the user end; a character analysis module; and a character definition database stored in a predetermined a definition of a plurality of character information types; wherein the character analysis module is configured to parse the character information and compare the data in the character definition database to determine which character the character information belongs to Type of information.

In a specific embodiment of the present invention, the character analysis module searches for a specific keyword in the character information according to the definition of the predetermined plurality of character information types in the database. The comparison. For example, the plurality of character information types include a bank code, a mobile phone number, or an email address.

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.

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.

Specifically, the verification module, the website encryption and decryption module, the transfer transaction module, the communication module, and the character analysis module can be implemented by programming or software technology.

1 illustrates one preferred embodiment of the web transfer system of the present invention Referring now to Figure for example.

As shown in the system architecture diagram of FIG. 1 , the network transfer system of the present invention is mainly 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 software product 15 , 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. A software product 15 includes an intelligent input module 16 . Install the software product 15 can transfer their personal device person (e.g., smartphones) on. To transfer funds, the software product 15 requires the transferee to enter a transfer amount and a contact character information of the payee to trigger a transfer request 50 . The transfer request 50 can be transmitted to the server end 100 through the user interface of the software product 15 . In addition, the smart input module 16 displays the related information of the payee correspondingly to the user interface according to the contact character information. For example, if the contact character information is a mobile phone number or an email address, and the mobile phone number or email address belongs to a contact stored by the transferee's personal device, the contact person's name is displayed to facilitate the confirmation of the transfer object. The verification module 10 verifies the identity of the transferee after receiving the transfer request 50 . 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 input the received one-time password in the user interface of the software product 15 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 communication method can be determined based on the contact character information input by the transfer person. 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.

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 .

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 software product 15 providing a user The interface interacts with the transferee, the software product 15 includes an intelligent input module 16 , and the software product 15 requests the transfer person to input a transfer amount and a contact character information of the payee to trigger a transfer request 50. (Step S205 ); the smart input module 16 correspondingly displays the relevant information of the payee on the user interface according to the contact character information (step S215 ); and the verification module 10 receives a transfer request 50. After verifying the identity of the transferee (step S210 ); after the verification is passed, a website encryption/decryption module 20 generates a website address exclusive to the transfer request, 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 web page 22 (step S 230 ); and a transfer transaction module 30 performs a transfer transaction after the identity of the payee is verified (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 .

In an example, the smart input system of the present invention allows a user to input a code of a bank to be transferred to a mobile device, and the system automatically recognizes whether it is a valid bank code, and automatically brings out the Chinese name of the bank, and the user interface can further The field for entering the bank code is displayed, allowing the user to enter a valid bank code. In another example, the smart input system of the present invention allows a user to input a mobile phone number of a person to be transferred in a mobile device. If the mobile phone number belongs to a contact person stored in the mobile device, the name of the contact person may be displayed to facilitate Confirmation of the transfer object. In another example, the smart input system of the present invention allows a user to input an email address of a person to be transferred to a mobile device, and if the email address belongs to a contact person stored in the mobile device, the name of the contact person may be displayed. Confirmation of the profit transfer object.

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 (a contact character information) of the object to be transferred to the mobile device, and the network transfer system of the present invention allows the user to input a withdrawal password and can select How to transfer the withdrawal password to the payee (for example, if the payee's mobile device is also installed with the online banking application including the network transfer system of the present invention, it can be transmitted through the system of the present invention, or the user You can choose to transfer the withdrawal password by SMS or other communication software to increase transaction security (you can further secure the authentication mechanism with the Action Key One-Time Password (OTP)). In addition, the network transfer system of the present invention. The URL encryption and decryption module will generate a one-time transfer URL (URL) that is automatically transmitted to the payee through the mobile number (for example, a newsletter) or other means; thereafter, the payee can act through it The 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.

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 ‧‧‧Server side

10 ‧‧‧ verification module

15 ‧‧‧Software products

16 ‧‧‧Smart Input Module

20 ‧‧‧Website encryption and decryption module

22 ‧‧‧Webpage

30 ‧‧‧Transfer Transaction Module

40 ‧‧‧Communication Module

50 ‧‧‧Transfer request

60 ‧‧‧Verification information

1 shows a system architecture diagram corresponding to a preferred embodiment of the present invention.

Figure 2 shows a flow chart corresponding to a preferred embodiment of the present invention.

no

Claims (20)

A network transfer system that can be used in an online banking system for a transferee to transfer to a payee, comprising: a software product that provides a user interface to interact with the transferee, the software product including An intelligent input module; 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 software product requires the transferee to input a contact character information of the payee to trigger a transfer request; the smart input module displays corresponding information of the payee corresponding to the user interface according to the contact character information; the verification module After receiving the transfer request, verifying the identity of the transferor; 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 webpage; the verification mode The group verifies the identity of the payee by means of a verification information input by the webpage; and after the verification is passed, the transfer transaction module performs the transfer transaction. The network transfer system of claim 1, wherein the contact character information is a bank code, a mobile phone number, or an email address. The network transfer system of claim 1, wherein the user interface requires the transferee to enter a withdrawal password after the transferee's identity verification is passed. The network transfer system of claim 1, wherein the web page requires the payee to enter a payment account. The network transfer system of claim 1 or 3, further comprising a communication module for providing the website and/or the withdrawal password to the payee by means of a communication. The network transfer system of claim 5, wherein the communication method is an App notification, a news notification, or an email notification. The network transfer system of claim 3, wherein the verification information includes the withdrawal password. The network transfer system of claim 1, wherein the verification module performs identity verification by transmitting a one-time password (OTP) to the personal device of the transferee. The network transfer system of claim 1, wherein the smart input module comprises: a receiving module for receiving a character information from the user end; a character analysis module; and a character definition database; Storing a predetermined definition of a plurality of character information types; wherein the character analysis module is configured to parse the character information and compare the data in the character definition database to determine the character information Which type of information belongs to the character. The network transfer system of claim 9, wherein the character analysis module searches for a specific keyword in the character information according to the definition of the predetermined plurality of character information types in the database. This comparison is made. A network transfer method, which can be used in an online banking system for a transferee to transfer to a payee, comprising: a software product that provides a user interface to interact with the transferee, the software product includes An intelligent input module, the software product requires the transferee to input a contact character information of the payee to trigger a transfer request; the smart input module is corresponding to the user according to the contact character information The interface displays the relevant information of the payee; a verification module verifies the identity of the transferee after receiving the transfer request; after the verification is passed, a URL encryption and decryption module generates one of the exclusive URLs of the transfer request, and the URL allows The payee is connected 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 is transferred after the verification of the identity of the payee transaction. The network transfer method of claim 11, wherein the contact character information is a bank code, a mobile phone number, or an email address. The network transfer method of claim 11, wherein the user interface asks the transfer person to input a withdrawal password after the transferee identity verification is passed. The network transfer method of claim 11, wherein the web page requires the payee to input the payment account. The network transfer method of claim 11 or 13, further comprising: a communication module providing the website address and/or the withdrawal password to the payee by the communication method. The network transfer method of claim 15, wherein the communication method is an App notification, a news notification, or an email notification. The network transfer method of claim 13, wherein the verification information includes the withdrawal password. The network transfer method of claim 11, wherein the verification module transmits a one-time password (OTP) to the transferee's personal device for identity verification. The network transfer method of claim 11, wherein the smart input module comprises: a receiving module for receiving a character information from the user end; a character analysis module; and a character definition database, Storing a predetermined definition of a plurality of character information types; wherein the character analysis module is configured to parse the character information and compare the data in the character definition database to determine the character information Which type of information belongs to the character. The network transfer method of claim 19, wherein the character analysis module searches for a specific keyword in the character information according to the definition of the predetermined plurality of character information types in the database. Compare with the data in the character definition database.