JP6444401B2 - Method, device and system for managing remittance - Google Patents

Description

  The present invention relates to the Internet technology field, and more particularly to a method, device and system for managing remittances.

  The statements in this section merely provide background information related to the present disclosure and do not constitute prior art.

  Offline transfers, such as offline payments, refer to transfers that do not use the user's device (ie, the buyer's device) connected to the Internet. Offline remittance is preferred for users because of its convenience. One method for performing offline remittance is by using a stored value card such as a money card, and the user prepays the stored value card and uses the card at a designated store. Money is deducted from the stored value card until its value is zero or less than the requested payment amount.

  Stored value cards are commonly used for small payments without a password. Because of its low security, the user typically keeps a small amount on the card and recharges the card at designated locations as needed. The user always needs to be aware of whether the card has sufficient funds or money for a particular payment.

  In order to solve the problems of the prior art, the present invention provides a method, device and system for managing remittances to improve the efficiency and convenience of remittances.

  In one aspect, a method for transferring money includes: obtaining a payment amount by a first client device; obtaining application account information from a second client device that is offline by the first client device; Here, the application account is the login account of the remittance application installed on the second client device and has available funds; and the payment amount and the application account information are processed by the first client device. Including sending to the unit. If the available funds are greater than the payment amount, the processing unit transfers the payment amount from the user's bank account to the merchant account. If the available funds are less than the payment amount, when the second client device connects to the Internet, the processing unit may increase the funds available to the application account for the user of the second client device. To the second client device.

  In another form, the processing unit is: a receiving module configured to receive a payment amount transmitted by the first client device and obtain application account information from the second client device; A determination module configured to determine an application account of the second client device; and use of the application account according to the amount of money transferred from the bank account corresponding to the application account to the bank account corresponding to the first client device Includes a management module configured to deduct payments from possible funds.

  In yet another aspect, the first client device: obtains a payment amount from the second client device and is configured to obtain application account information; and a payment amount and application account information. A transmission module configured to transmit to the processing unit, whereby the processing unit determines an application account of the second client device according to the application account information and the first from the bank account corresponding to the application account. Transfer money to the bank account corresponding to your client device, and then subtract the payment amount from the available funds in your application account.

  In yet another aspect, a system for managing remittances includes a first client device, a second client device, and a processing unit. The first client device is configured to obtain a payment amount, obtain application account information from the second client device, and send the payment amount and application account information to the processing unit. The processing unit receives the payment amount and application account information, determines an application account for the second client device based on the application account information, and a bank corresponding to the first client device from a bank account corresponding to the application account. It is configured to transfer money to an account and then deduct the payment amount from the funds available in the application account.

  Additional aspects of the present disclosure will be in part apparent and in part pointed out hereinafter. It should be understood that various aspects of the present disclosure may be performed individually or in combination with each other. It should also be understood that the detailed description and drawings, which point out certain exemplary forms of the disclosure, are intended for purposes of illustration only and are not to be construed as limiting the scope of the disclosure. It is.

  In order that the present disclosure may be better understood, various forms of the disclosure are provided by way of example and reference is made to the accompanying drawings.

FIG. 2 is a block diagram of an exemplary environment for implementing a method for managing remittances according to the teachings of the present disclosure. It is a flowchart of the method for managing the remittance which concerns on the 1st Embodiment of this invention. It is a flowchart of the method for managing the remittance which concerns on the 1st Embodiment of this invention. It is a block diagram of the processing unit which concerns on one Embodiment of this invention. It is a block diagram of the 1st client device which concerns on one Embodiment of this invention. It is a block diagram of the processing unit which concerns on the 2nd Embodiment of this invention.

  Other aspects, features and advantages of the present invention will become apparent from the following detailed description taken in conjunction with the accompanying drawings. The following description is merely exemplary in nature and is not intended to limit the present disclosure or the uses or uses of the disclosure.

  FIG. 1 is a block diagram of an exemplary environment 10 for implementing a method for managing remittances according to any of the embodiments disclosed herein. This method of managing remittances can be implemented using the first client device 12, the second client device 14, and the processing unit 16. The first and second client devices 12 and 14 are installed with a remittance application. The processing unit 16 is a back-end server for a remittance application. The first client device 12 may be a merchant terminal such as a point of sale (POS) machine, a mobile terminal or a disk terminal. The second client device 14 is a mobile device on the user (or buyer) side such as a smartphone, a tablet, or a PC. At least the user needs to have an application account (or login account) for the money transfer application in order to transfer money via the application account. Only the first client device 12 on the merchant side needs to be connected to the Internet so that the user can transfer money via the application account.

  The application account of the second client device 14 initially sets a predetermined amount of [Funding] within the limits of the funds so that the user can make payments using [Funding] in the application account. To do. In fact, there is no cash in the application account. However, the application account is linked to one or more users' bank accounts. When a user opens an application account with a remittance application, the user allows the processing unit 16 or the user's bank to withdraw money from the user's bank account to a predetermined amount. Thus, when the user makes a payment, the payment amount may be deducted from the funds available in the application account (which initially equals the predetermined amount). The processing unit may withdraw the payment amount from the user's bank account and deposit the payment amount in the merchant's bank account. The funds available in the application account decrease each time a user makes a payment through the application account. In order to protect [Funds] in the application account, the processing unit 16 may set a funding limit on the application account funds by default or according to user instructions. Since transfers using “available funds” in the application account can occur without verification or passwords, the limit of funds can limit the loss if the second client device is lost or stolen.

  First embodiment

  Referring to FIG. 2, a method 20 for transferring money according to the first embodiment of the present invention will now be described. When the user wants to pay for goods or services, the first client device 12 on the merchant side obtains the payment amount in step 22. The payment amount is such as by scanning a barcode on the product and using a barcode scanner to obtain the price of the item, or by manually entering the payment amount into the first client device 12. In addition, it may be obtained by the first client device 12 via various methods. The first client device 12 may optionally display the payment amount on the data processing page for the user to confirm the payment amount.

  The first client device 12 then obtains the user's application account information at step 24. The first client device 12 receives an image code that includes the user's application account information by or in a short-range communication (such as Bluetooth communication) between the first client device 12 and the second client device 14. The user's application account information may be obtained from the second client device 14 via various methods, such as by scanning. The image code may be, for example, a barcode or a two-dimensional code displayed on the second client device 14 when the user logs into the money transfer application to open the payment start page. The user application account information may include funds available in the user application account and user identification information.

  The image code may be changed and updated each time the user opens the payment start page on the remittance application to reflect changes in available funds in the application account. Alternatively, the image code may be changed after each payment by the user to reflect changes in available funds. The image code may be updated automatically by the money transfer application or processing unit 16 or manually by the user.

  Upon receipt of the payment amount at step 22 and the user application account information at step 24, the first client device 12 sends a payment request to the processing unit 16 for payment processing and the processing unit at step 26, Determine whether the user application account has sufficient funds. If the user's application account has sufficient funds, then processing unit 16 then at step 28, from the user's bank account corresponding to the second client device to the merchant's bank account corresponding to the first client device. And deduct the payment amount from the available funds in the user's application account.

  When a user opens an application account for a money transfer application, the application account may be linked to one or more user bank accounts. An application account may also be tied to a single client device. Thus, one or more user bank accounts may be linked to the user's application account and the second client device. The user can designate one bank account as the default bank account from which the payment amount is drawn.

  The user's application account does not have “cash”, so the “available funds” in the application account simply refers to the amount that the user can use offline without any verification or password. Application account funding limits are the maximum amount a user can use without any verification or password. The payment amount is actually transferred from the user's bank account to the merchant's bank account. Thus, when the second device is not connected to the Internet, the user's application account is similar to a virtual money card with funds so that the user can pay without entering a password. However, unlike stored value cards, the user's application account does not require the user to prepay to a predetermined account in order to supplement the application account with value. Money equal to the payment amount can be withdrawn from the user's bank account up to a predetermined amount each time the user pays for a particular purchase. When the user opened the application account and specified a funding limit, the user allowed the processing unit 16 or the user's bank to retrieve a predetermined amount from the user's bank account equal to the funding limit. Accordingly, the processing unit 16 allows the user to make a payment before the payment amount is actually withdrawn from the user's bank account.

  Alternatively, the processing unit 16 can retrieve a predetermined amount equal to the funding limit, and when the user opens an application account and sets a funding limit, the processing unit 16 controls that account to control the predetermined amount. Can be saved. Next, the processing unit 16 may transfer the payment amount from the account corresponding to the processing unit 16 to the merchant account each time the user makes a payment until the user uses up to the available funds in the application account. it can.

  The merchant account may be an application account or a merchant bank account. When the merchant installs the remittance application, the merchant can specify a bank account to receive payment from the user, whereby the processing unit 16 transfers the payment amount to the merchant's bank account. can do.

  After the payment amount has been transferred to the merchant's account, the processing unit 16 sends a notification to the first client device 12 at step 30 indicating that the payment was successful. The second client device 12 may or may not receive such notifications depending on whether the second client device 14 is connected to the Internet. When the second client device 12 is connected to the Internet, the processing unit 16 also sends a notification to the second client device 12 indicating that the payment was successful and the transaction description, transaction time, deduction. Update application account information such as the amount paid and the remaining funds available. If the second device 14 is not connected to the Internet when the user makes a payment, the processing unit 16 immediately detects the application account information when the processing unit 16 detects that the second user client 14 is connected to the Internet. Is sent to the second user client 14.

  Steps 22 through 30 can be performed when the second client device 14 is completely offline. Only the first client device 12 needs to be connected to the Internet in order to communicate with the processing unit 16.

  On the other hand, if the processing unit 16 determines that there are not enough funds available in the user's application account to make the requested payment, the processing unit 16 will notify in step 32 that the funds are insufficient. Is transmitted to the first client device 12. Next, the processing unit 16 determines in step 34 whether the second client device 14 is connected to the Internet. If the second client device 14 is not connected to the Internet, then the processing unit 16 sends a notification to the first client device 12 indicating that payment has been declined at step 36. If the second client device 12 is connected to the Internet, then the processing unit 16 sends a notification that the funds are insufficient to the second client device 14 and the user enters the application at step 38. Submit a question asking if you want to recharge your account. If the user does not want to recharge the application account, the processing unit 16 sends a notification to both the first client device 12 and the second client device 14 that the payment has been declined at step 36.

  If the user confirms his intention to recharge the application account at step 38, then the processing unit 16 sends a recharge page to the second user client 12, and the user selects the recharge amount at step 40. it can. The processing unit 16 can store default funding limits or funding limits set by the user when the user opens an application account for security. If the selected recharge amount is within the default or preset funding limit, then processing unit 16 sends a bank account selection page to second user client 14 at step 42. If the selected recharge amount exceeds the default or preset funding limit, the processing unit 16 sends an alert to the second client device 16 and asks the user to change the recharge amount.

  The bank account selection page may include one or more user bank accounts connected to the application account when the user opens the application account in the money transfer application. The user may specify a default bank account so that money can be transferred from the default bank account to the merchant's account. The user may have the option to change or add a bank account on the bank account selection page for making payments. Once the desired bank account is selected, processing unit 16 sends a password entry page to the second client device for verification at step 46. The password need not be a password for the user's bank account. The password may be a password for logging in to the application account.

  After the user enters the password, the processing unit 16 then verifies the user's ID at step 48. If the verification fails, the processing unit 16 sends the password input page to the second client device 14 again. If the verification is successful, the processing unit 16 then recharges the user's application account and transfers the payment amount from the user's bank account to the merchant's account at step 50. In this step, a transfer occurs from the user's bank account corresponding to the application account at the second client device 14 to the merchant's bank account corresponding to the first client device 12.

  Thereafter, the processing unit 16 sends a notification to the first client device 12 and the second client device 14 at step 52 indicating that the payment was successful. In addition, the processing unit 16 may update the user's application account information such as the application's updated available funds, payment history, purchase description, purchase time, and the update report to the second user client. 14 to send.

  In the steps associated with recharging the application account, the user's choice of recharge amount and bank account, and password entry, in addition to the predetermined amount initially agreed upon when the user opens the application account, Note that the user's authorization for the processing unit and the user's bank is configured to withdraw money beyond the recharge amount from the bank account. Thus, after recharging the application account, the user can continue to use the application account funds without any verification or password. Whenever it is necessary to withdraw more money from a user's bank account than originally agreed, the user's ID needs to be verified, such as by sending a password to the processing unit's login account.

  Second embodiment

  Referring to FIG. 3, a processing unit 16 such as a backend server of a remittance application for performing a method of remittance: receives a payment amount transmitted by a first client device, and from a second client device A receiving module 410 configured to obtain application account information; a determination module 420 configured to determine an application account of the second client device according to the ID information; and a transfer from the user's bank account to the merchant's bank account And includes a management module 430 configured to deduct the payment amount from the available funds of the application account.

  Obtaining application account information from the second client device may include reading the application account information by scanning an image code displayed on the second client device. The application account information includes account identification information and user ID information.

  The determination module 420 verifies the application account information based on the account identification information and the user ID information included in the application account information, and if the ID verification is passed, the application account of the second client device corresponds to the account identification. Configured to determine an account.

  The management module 430 further sends a password confirmation notification to the second client device if the available funds are less than the payment amount and receives the remittance password sent by the successfully verified second client device. Thereafter, the bank account corresponding to the application account is configured to transfer money to the bank account corresponding to the first client device.

  Preferably, the management module 430 further sends a request to change the bank account to the second client device if the remaining funds in the bank account are less than the payment amount; and sent by the second client device After receiving the bank account information, the bank account corresponding to the application account is transferred to the bank account corresponding to the first client device, and the payment amount is deducted from the available funds of the application account.

  Preferably, the management module 430 further includes a reset module configured to set the available funds limit of the application account to the initial funds limit upon satisfying the funds limit reset request.

  Preferably, the reset module sets the available fund limit of the application account to the initial fund limit or resets the limit sent by the second client device when the fund limit reset period expires. After receiving the request and successfully verifying the remittance password, the application account is configured to set the available funds limit to the initial funds limit.

  Preferably, the reset module is further configured to send the application account's current available funds limit to the second client device after setting the application account's available funds limit to an initial upper limit. Including a transmission module.

  Preferably, the reset module further transfers money from the bank account corresponding to the application account to the bank account corresponding to the first client device, and after deducting the payment amount from the limit of funds available for the application account. A transmission module is configured to transmit the currently available funds limit minus the amount and payment amount.

  With reference to FIG. 4, the first client device 12 is configured to obtain a payment amount and application account information from the second client device; an acquisition module 510; sends the payment amount and application account information to the processing unit 16. A transmission module 520 configured such that the processing unit 16 determines an application account of the second client device according to the application account information and from the bank account corresponding to the application account to the first client device. Transfer money to the corresponding bank account and then deduct the payment amount from the limit of available funds in the application account according to the payment amount. Preferably, the acquisition module 510 is configured to obtain and read application account information by scanning an image code displayed on the second client device.

  Third embodiment

  Referring to FIG. 5, the system for managing remittances according to this embodiment includes a first client device 12, a second client device 14, and a processing unit 16, such as a backend server of a remittance application. The first client device 12 is configured to obtain a payment amount, obtain application account information from the second client device, and send the payment amount and application account information to the processing unit. The processing unit 16 receives the payment amount and application account information; determines an application account of the second client device according to the application account information, and from a bank account corresponding to the application account to a bank account corresponding to the first client device And then deducting the payment amount from the available funds limit of the application account according to the application account information.

  The processing unit 1900 includes one or more CPUs 1922 (or one or more processors) and a storage unit 1932, one or more storage media 1930 for storing applications 1942 or data 1944 (of one or more mass storage devices). Such as). More specifically, the storage unit 1932 and the storage medium 1930 may be a temporary storage device or a fixed storage device. An application stored on storage medium 1930 may include one or more modules (not shown), each of which may include a sequence of instructions. Further, CPU 1922 may communicate with storage medium 1930 to execute instructions stored on storage medium 1930.

  The processing unit 1900 includes one or more power sources 1926, one or more wired or wireless network interfaces 1950, one or more input / output interfaces 1958, one or more keyboards 1956, Windows Server ™, Mac OS X. One or more operating systems 1941 may be included, such as (registered trademark), Unix (registered trademark), Linux (registered trademark), FreeBSD (registered trademark).

  The processing unit 1900 receives the payment amount stored in the storage unit, the storage device and transmitted by the first client device and obtains application account information from the second client device; according to the application account information Determining the application account of the second client device; transferring money from the bank account corresponding to the application account to the bank account corresponding to the first client device, and according to the payment amount, from the limit of available funds of the application account One or more programs assigned with one or more processes for executing an instruction to deduct the payment amount may be included.

  The first server provided in the present embodiment includes one or more CPUs (or one or more processors) and one or more storage media (one or more large capacities) for storing storage devices, applications, or data. Storage device). More specifically, the storage device and the storage medium 1930 may be a temporary storage device or a fixed storage device. An application stored on a storage medium may include one or more modules (not shown), each of which may include a sequence of instructions. Further, the CPU may communicate with storage medium 1930 to execute instructions stored on the storage medium.

  The first client device is stored in a storage device and has the following instructions: obtaining a payment amount, obtaining application account information from the second client device, and processing unit for the payment amount and application account information One or more programs to which one or more processes for executing the transmission are assigned may be included. As such, the processing unit determines the application account of the second client device according to the application account information, transfers money from the bank account corresponding to the application account to the bank account corresponding to the first client device, and then The payment amount is deducted from the limit of funds available for the application account according to the application account information.

  It should be noted that the device for managing remittances in the above-described embodiments is divided into several functional modules during implementation, as will be described by way of example. However, in practice, the device may be divided into different functional modules according to different functions. In other words, the internal structure of the device may be divided into different functional modules to perform some or all of the functions. In addition, the device for managing remittances is used to implement the previously described method. Therefore, a detailed description of the method is omitted here for clarity.

  In any of the embodiments described herein, the method for making a remittance can be performed when the (buyer's) second client device is offline. If the payment amount is less than the available funds for the application account, no verification or password is required. Funding limits may be preset by the user or by default to limit loss if the user's device is lost or stolen. If the application account funds are insufficient, the second client device may be connected to the Internet to recharge the application account using the user's bank account and make a payment. The user's ID needs to be verified before the application account is recharged. Thus, the application account of the remittance application allows the user to easily make payments without a password and without worrying about the reduced remaining funds available for the application account. If the payment amount is greater than the available funds, the money in the user's bank account provides a backup for the application account. In this situation, the user's ID needs to be verified to improve safety.

  Those skilled in the art will appreciate that some or all of the steps in the above-described embodiments are accomplished by hardware or by programing related hardware. Such a program may be stored in a computer-readable storage medium such as a read-only memory, a magnetic disk, or an optical disk.

  Although the present invention has been described in connection with what is presently considered to be the most practical and preferred embodiments, the present invention is not limited to the disclosed embodiments, and conversely, It should be understood that it is intended to cover arrangements equivalent to various variations that fall within the spirit and scope of the invention.

Claims (19)

A method for sending money,
Obtaining a payment amount by a first client device;
Obtaining application account information from a second client device that is offline by the first client device;
Sending the payment amount and the application account information to the processing unit by the first client device;
Determining, by the processing unit, an application account of the second client device according to the application account information;
The application account is a login account on a remittance application installed on the second client device and has available funds;
If the available funds of the application account are greater than the payment amount, the processing unit transfers the payment amount from a user's bank account corresponding to the application account to a merchant account, and wherein Ri available funds the payment amount less der, and when said second client device said processing unit has detected that the line, the processing unit, the user of the second client device Sending a web page to the second client device that enables the application account to increase the available funds.   The processing unit remits the payment amount without a password to verify the user's identity from the user's bank account to the merchant's account if the available funds are greater than the payment amount. The method according to 1.   The method of claim 1, further comprising increasing the available funds of the application account by the processing unit after the processing unit verifies the user's ID with a password.   The method of claim 1, further comprising subtracting the payment amount from the available funds of the application account corresponding to the second client device.   The method of claim 1, further comprising presetting a funding limit for the application account by the processing unit.   6. The method of claim 5, wherein the funding limit is an amount that the user can use without a password to verify the user's identity.   The method of claim 1, wherein the application account is linked to one or more bank accounts. The method further comprises recharging the application account by the processing unit by adding to the available funds a selected amount using the bank account corresponding to the second client device. The method described in 1.   9. The method of claim 8, further comprising obtaining a password from the second client device for verification by the processing unit prior to recharging the application account.   The method of claim 1, wherein obtaining application account information from the second client device comprises scanning an image code displayed on the second client device.   The method of claim 10, further comprising obtaining bank account information from the second client device by the processing unit. Further, the processing unit sends an update of the available funds of the application account to the second client device, and the updated available funds are sent by a user of the second client device in a subsequent transfer. 2. The method according to claim 1 used . A processing unit,
A receiving module configured to receive a payment amount and application account information transmitted by a first client device, wherein the application account information is obtained from a second client device;
An application account of the second client device is determined according to the application account information, and the application account is a login account on a remittance application installed on the second client device and has available funds A determination module configured; and if the available funds of the application account are greater than the payment amount, transfer money from a bank account corresponding to the application account to a bank account corresponding to the first client device; in accordance with the foregoing payment amount by subtracting the payment amount from the limit of the available funds of the application account, the available funds Ri said payment amount less than der, and, the second client If the device the processing unit detects that an online, the second of said second client web page that allows the client device users to increase the available funds of the application account A processing unit comprising a management module configured to transmit to a device. The management module further includes:
If the available funds limit is less than the payment amount, send a password confirmation notification to the second client device; and
After the confirmation of the remittance password to receive the remittance password that was sent by the previous Symbol second client device is successful, remitted to the bank account corresponding to the first client device from the bank account corresponding to the application account The processing unit of claim 13, configured to: The management module further includes:
If the remaining amount of the bank account corresponding to the application account is less than the payment amount, send a request to change the bank account to the second client device; and sent by the second client device After the received bank account information is transferred from the bank account corresponding to the bank account information to the bank account corresponding to the first client device, and from the available funds limit of the application account 14. A processing unit according to claim 13, configured to deduct a payment amount.   14. The reset module of claim 13, further comprising a reset module configured to set the available funding limit of the application account to a preset initial cap when a preset cap reset requirement is met. Processing unit. The reset module is:
Upon expiration of a preset limit reset period, the limit of available funds of the application account is set to the first limit; or a request to reset the limit sent by the second client device receiving the second after the confirmation of the transfer password sent by the client device successfully, claim 1 6 configured to set the limit of the available funds application account to the first upper limit The processing unit described in 1. Further, after setting the available funds limit of the application account to the first limit, the current available funds limit of the application account is configured to be transmitted to the second client device. e Bei transmission module, limits the current available funds in the application account, the processing unit according to claim 1 6, in the subsequent transfer used by the user of the second client device. A system for managing remittances,
A first client device;
A second client device; and a processing unit;
The first client device is configured to obtain a payment amount, obtain application account information from the second client device, and send the payment amount and the application account information to the processing unit. And the processing unit receives the payment amount and the application account information, determines an application account of the second client device according to the application account information, and the application account is installed on the second client device. Is a login account on a remittance application that has funds available,
The processing unit further transfers money from the bank account corresponding to the application account to the bank account corresponding to the first client device if the available funds of the application account are greater than the payment amount, and in accordance with the payment amount, subtracting the payment amount from the limits of available funds of the application account, the available funds Ri der less than the payment amount, and, the second client device is online when the processing unit detects that, as the user of the second client device sends a web page that allows to increase the available funds of the application account to the second client device System configured to.

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