TWM591659U - Security and negotiable instrument payment checking system - Google Patents

Abstract

A security and negotiable instrument payment checking system is described, which includes a transaction account system and a checking device. The transaction account system is configured to perform a trading operation and includes a transaction account and a client information corresponding to the transaction account. The checking device is connected to the transaction account system and performs the trading operation with the transaction account system. The checking device includes a deduction authorizing and setting module, an overdraft evaluation module and a priority deduction determining module. The deduction authorizing and setting module is configured to connect to a pre-determined account to setup an automatically transferring operation from the pre-determined account to the transaction account. The overdraft evaluation module is configured to judge whether the transaction account is in an overdraft state and performs an automatically loaning operation according to a judgement result. The priority deduction determining module is configured to judge whether the transaction account has insufficient amount of money and restricts the transaction account to take out the money.

Description

Securities and bill deduction verification system

The present invention relates to a deduction verification system, and particularly to a security and bill deduction verification system.

Due to the timeliness of the delivery of securities and bills, if the delivery is not made within the agreed time, a breach of contract or a refund will occur. Under normal circumstances, when the balance of the delivery account is insufficient, the salesperson will contact and ask the customer to make up the amount within the predetermined time. However, there is still a risk that customers will not be able to make payment immediately.

Therefore, one of the purposes of the new model is to provide a securities and bill deduction verification system that can effectively control the delivery of customer money and avoid defaults or refunds.

According to the above-mentioned object of the new model, a security and bill deduction verification system is proposed. This securities and bill deduction verification system mainly includes delivery account system and verification device. The delivery account system is configured for trading actions, where the delivery account system includes delivery accounts and corresponding delivery account customer assets material. The verification device and the delivery account system are connected to each other, and cooperate with the delivery account system to perform transaction actions. The verification device includes an authorized deduction setting module, an overdraft evaluation module, and a priority deduction judgment module. The authorization deduction setting module is configured to connect to the default account corresponding to the customer data, so as to automatically transfer the funds from the default account to the delivery account. The overdraft evaluation module is configured to determine whether the delivery account is in an overdraft status, and perform automatic loan release based on the judgment result. The priority deduction judgment module is configured to judge whether there is insufficient payment in the delivery account, and based on the judgment result, the delivery account restriction system is restricted to withdraw.

According to an embodiment of the present invention, the above authorized deduction setting module further includes a transfer mechanism setting module and a deduction mechanism setting module. The transfer mechanism setting module is configured to set the transfer order or the number of transfers. The debit mechanism sets the module configuration to set the debit order of the delivery account system.

According to an embodiment of the present invention, the above-mentioned overdraft evaluation module further includes a credit limit evaluation module and an automatic loan and credit module. The credit quota evaluation module is configured to evaluate the credit quota based on customer information. When the delivery account is judged to be in overdraft status, the automatic lending module is configured to automatically lend money to the delivery account.

According to an embodiment of the present invention, the aforementioned securities and bill deduction verification system further includes a client device and a message notification module. The client device is connected to the delivery account system and the verification device. The message notification module is configured to generate notification information according to the transaction action and send the notification information to the client device.

According to an embodiment of the present invention, the above-mentioned client device is a notebook computer, a desktop computer, a smartphone or a tablet computer.

According to an embodiment of the present invention, the aforementioned verification device is a servo computer host.

As can be seen from the above, in addition to the automatic deduction mechanism for settlement accounts, the new securities and bill deduction verification system can also provide authorization for other account deduction functions, credit lines, and automatic credit facilities when the balance of the settlement account is insufficient. , Restricting other payment transactions to achieve the priority deduction function and the entire batch of interruption functions, so as to help customers successfully complete the delivery and avoid default delivery or refunds.

100‧‧‧Securities and Bill Deduction Checking System

200‧‧‧Client device

300‧‧‧ Delivery Account System

400‧‧‧ Inspection device

410‧‧‧ Authorized Deduction Setting Module

411‧‧‧Transfer mechanism setting module

412‧‧‧ Debit mechanism setting module

420‧‧‧Overdraft Evaluation Module

421‧‧‧ Credit line evaluation module

422‧‧‧Automatic loan and release module

430‧‧‧Priority Deduction Judgment Module

440‧‧‧Interrupt Trading Module

450‧‧‧Message notification module

For a more complete understanding of the embodiment and its advantages, reference is now made to the following description made in conjunction with the attached drawings, where: [FIG. 1] illustrates a security and bill deduction verification system in accordance with an embodiment of the present invention Block diagram.

Please refer to FIG. 1, which is a block diagram of a securities and bill deduction verification system according to an embodiment of the present invention. The securities and bill deduction verification system 100 of this embodiment mainly includes a client device 200, a delivery account system 300, and a verification device 400, wherein the client device 200, the delivery account system 300, and the verification device 400 are accessed through, for example, a network Connect to each other. In some examples, the client device is a notebook computer, a desktop computer, a smartphone, or a tablet computer, but it is not limited thereto. The inspection device 400 is Server host, but not limited to this.

Please continue to refer to FIG. 1, the delivery account system 300 includes the delivery account and the customer data corresponding to the delivery account, and the delivery account system 300 is configured to perform transaction actions. The transaction actions referred to herein may include automatic deduction for securities or bill delivery actions, receiving transfer money from other preset accounts, and customer withdrawal actions. The client device 200 is configured to connect to the delivery account system 300 to view or operate accounting information or transaction information related to the delivery account system 300, and can also receive notification information or marketing information from the verification device 400.

In this embodiment, the verification device 400 may cooperate with the delivery account system 300 to perform transaction actions. As shown in FIG. 1, the verification device 400 includes an authorized deduction setting module 410, an overdraft evaluation module 420, a priority deduction judgment module 430, an interrupt transaction module 440, and a message notification module 450 connected to each other by signals . Among them, the authorized deduction setting module 410, the overdraft evaluation module 420, the priority deduction judgment module 430, the interrupt transaction module 440, and the message notification module 450 can be implemented by components such as a processor or a computing unit used in a computer achieve. For example, the authorized deduction setting module 410, overdraft evaluation module 420, priority deduction determination module 430, interrupt transaction module 440, and message notification module 450 may be a central processing unit (CPU), micro-processing (MCU), server or other computing circuit or component with data access, data calculation, data storage, data transmission and reception, or similar functions.

The authorized deduction setting module 410 is configured to connect to the default account corresponding to the customer data, so as to automatically transfer the funds from the default account to the delivery account system. Since both securities and bills delivery are time-sensitive, the authorized deduction setting module 410 provides customers with an application to agree to automatic transfer from other accounts Into the settlement account. Further, the authorized deduction setting module 410 can add a schedule based on the customer's application and perform transfer transactions according to the agreed instructions, so that the balance of the delivery account is sufficient to automatically activate the deduction mechanism, so that the transaction can be successfully completed. Specifically, the authorized deduction setting module 410 includes a transfer mechanism setting module 411 and a deduction mechanism setting module 412. The transfer mechanism setting module 411 is configured to set the transfer order according to the type of default account (eg, deposit account, demand deposit, demand deposit, digital deposit), for example, to set a priority deduction for low account interest rates. On the other hand, the transfer mechanism setting module 411 is further configured to set a default account transfer percentage based on securities and notes. The debit mechanism setting module 412 is configured to set the debit order of the delivery account system 300 according to the type and amount of transaction items. For example, the deduction mechanism setting module 412 may agree on the order of deductions based on the types of deductions for securities and bills (such as securities delivery, securities bidding, and securities subscription, etc.). On the other hand, the deduction mechanism setting module 412 can set the deduction order according to the deduction amount of securities and notes, for example, priority is given to the small settlement amount.

In one embodiment, the overdraft evaluation module 420 is configured to determine whether the delivery account of the delivery account system 300 is in an overdraft state, and perform automatic loan release based on the determination result. Specifically, in some cases, in order to avoid the problem of fund scheduling, customers can apply for credit lines from the bank. The overdraft evaluation module 420 can determine whether the delivery account is an overdraft account when debiting the delivery account system. If the delivery account is determined to be The overdraft account uses the credit line and automatically lends, which can avoid the customer's default payment or refund due to insufficient payment balance. As shown in FIG. 1, in this embodiment, the overdraft evaluation module 420 includes a credit limit evaluation module 421 and an automatic credit facility 422. Credit line evaluation The estimation module 420 is configured to evaluate the credit line based on customer data. For example, the credit limit evaluation module 420 may give the customer a monthly overdraft credit limit based on the customer's credit rating and routine transaction status. When the delivery account is judged to be in an overdraft state, the automatic lending module 422 is configured to automatically lend money to the delivery account. For example, when the deduction amount of the delivery account is insufficient, the automatic loan and release module 422 may give an agreed available amount or an available amount of 10 times the average balance of the customer according to the customer's credit rating and contribution, and automatically loan.

In one embodiment, the priority deduction determination module 430 is configured to determine whether the delivery account has insufficient funds, and perform a withdrawal operation on the delivery account restriction system according to the determination result. Since securities and bills delivery are both important transactions, if the customer's account has a shortfall on that day, the deduction judgment module 430 will limit the withdrawal of other payments in the delivery account to ensure that such types as securities and bills Delivery payments can be processed with priority. Specifically, when the priority deduction judgment module 430 judges that the delivery account has insufficient funds on the delivery day, it can restrict the withdrawal of other money in the delivery account. In other cases, if the delivery account also has a deposit transaction and when the priority deduction determination module 430 determines that the delivery account has insufficient funds on the day of delivery, the deposit transaction will automatically repay the insufficient funds and can set the balance of the day to be greater than a certain amount The amount will be automatically deposited into the customer's designated account (due to the low interest rate of the securities account).

The interrupt transaction module 440 is configured to interrupt transaction actions based on the account status of the delivery account. Because both securities and bills delivery funds are time-sensitive, the interrupt transaction module 440 can implement an automatic deduction mechanism for interrupting insufficient amounts for single accounts, bill numbers, batch numbers, and deposit accounts with insufficient balances to be deducted. For example, the delivery account is determined to have not been delivered, an account error has occurred, or the When the time is agreed, the interrupt trading module 440 can stop the automatic debit transaction of the delivery account system 300, and the interrupt trading module 440 can return to the securities firm and the bill exchange according to the situation after the entire batch of interruption Place.

In some embodiments, the message notification module 450 is configured to generate notification information according to the transaction action and send the notification information to the client device 200. In some examples, after the entire batch of deductions and insufficient balance files are generated, the verification device 400 performs the aggregated processing of the customer’s insufficient funds according to different transaction types of securities or notes, and the message notification module 450 automatically sends a message Notification to the customer, so that the customer can grasp the transaction information in real time and can make appropriate fund scheduling. Specifically, the message notification module 450 can automatically send a message to the customer based on the e-mail and mobile phone retained by the customer in the customer information. In some embodiments, the message notification module 450 can generate marketing information according to the potential needs of the customer and send it to the client device 200 to market bank financial commodities, such as salary loans, wealth management mortgages, and so on.

As can be seen from the aforementioned embodiment of the new model, in addition to providing an automatic deduction mechanism for the settlement account, the securities and bill deduction verification system of the new model can also provide authorization for other account deduction functions, provide credit limits and Automatic loan and release function, restrict other payment transactions to achieve priority deduction function, and the whole batch of interruption function, so as to help customers successfully complete the delivery and avoid default delivery or refund.

Although the present invention has been disclosed as above by way of implementation, it is not intended to limit the present invention. Anyone who is familiar with this skill can make various changes and retouching without departing from the spirit and scope of the present invention, so the protection of the present invention The scope shall be as defined in the appended patent application scope.

100‧‧‧Securities and Bill Deduction Checking System

200‧‧‧Client device

300‧‧‧ Delivery Account System

400‧‧‧ Inspection device

410‧‧‧ Authorized Deduction Setting Module

411‧‧‧Transfer mechanism setting module

412‧‧‧ Debit mechanism setting module

420‧‧‧Overdraft Evaluation Module

421‧‧‧ Credit line evaluation module

422‧‧‧Automatic loan and release module

430‧‧‧Priority Deduction Judgment Module

440‧‧‧Interrupt Trading Module

450‧‧‧Message notification module

Claims (7)

A securities and bill deduction verification system includes: a delivery account system configured to perform a transaction action, wherein the delivery account system includes a delivery account and customer information corresponding to the delivery account; and a verification device, and the The delivery account system is connected to each other and cooperates with the delivery account system to perform the transaction action. The verification device includes: an authorized deduction setting module configured to connect to one of the default accounts corresponding to the customer data, to The money set in the default account is automatically transferred to the settlement account; an overdraft evaluation module, the signal is connected to the authorized deduction setting module, the overdraft evaluation module is configured to determine whether the settlement account is overdrawn, and according to the judgment result Automated loan and release; and a priority deduction judgment module, the signal is connected to the authorized deduction setting module, the priority deduction judgment module is configured to judge whether there is insufficient payment in the delivery account, and limit the deduction according to the judgment result Delivery account system to withdraw. The security and bill deduction verification system as described in item 1 of the patent application scope, wherein the authorized deduction setting module further includes: a transfer mechanism setting module, configured to set the transfer order or transfer number; and a deduction The mechanism setting module is configured to set the debit order of the delivery account system. The securities and bill deduction verification system as described in item 1 of the patent application scope, wherein the overdraft evaluation module further includes: a credit limit evaluation module configured to evaluate a credit limit based on the customer information; and an automatic loan In the release module, when the delivery account is determined to be in an overdraft state, the automatic loan release module is configured to automatically loan funds to the delivery account. The securities and bill deduction verification system described in item 1 of the patent application scope further includes an interruption transaction module, a signal connected to the authorized deduction setting module, and configured to be interrupted according to the account status of the delivery account The transaction action. The securities and bill deduction verification system as described in item 1 of the patent application scope further includes: a client device interconnected with the settlement account system and the verification device; and a message notification module, signal connection The authorization deduction setting module is configured to generate a notification message according to the transaction action and send the notification message to the client device. The security and bill deduction verification system as described in item 5 of the patent application scope, wherein the client device is a notebook computer, a desktop computer, a smartphone or a tablet computer. Securities and notes as described in item 1 of the scope of patent application Deduction verification system, wherein the verification device is a servo computer host.

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