TW201905814A - Transfer system AND method THEREOF - Google Patents

Abstract

The present invention provides a transfer system for facilitating a payer to transfer money to a plurality of payees by a mobile device. The transfer system comprises a server and a software product. The server comprises a verification module and an accounting module. The software product is installed on the mobile device. The software product requests the payer to fill in/select an account number, and for each payee, to fill in a transfer amount, to select a notification channel, and to fill in a password. The verification module generates a unique URL for linking to a web site provided by the server for each payee. When linked to the web site, the web site requests a payee to fill in the password; the verification module verifies the password, and then the web site requests the payee to fill in information of an account; and the accounting module effects the payment according to the information of the account.

Description

Transfer system and method

The present invention relates to a transfer system and method, and more particularly to a transfer system and method for facilitating a remittance to transfer money to a plurality of payers through a mobile device.

With the advancement of information engineering and mobile devices, when the sender wants to send money to the cashier, in addition to using the Automated Teller Machine (ATM) provided by the financial industry, it can also be used with mobile devices to provide apps from different financial companies. To achieve the purpose of remittance.

However, in the case of the traditional transfer service, the remitter must ask/obtain the relevant information of the payer and enter the relevant information of the payer by himself. The operation steps are not convenient. When a single transfer to multiple different accounts is required, the remitter must Entering one by one not only causes the time and labor of the remitter, but it is more likely to cause human error. Therefore, there is still a need for an improved transfer system and method to facilitate one-time remittance to multiple payers.

In view of this, the present invention provides a transfer system and method that can be used to solve the above problem.

In one aspect, the present invention discloses a transfer system for facilitating a remittance to send money to a plurality of payers via a mobile device. The transfer system includes a server and a software product. The server includes a verification module and a accounting module. The software product is mounted to the mobile device.

Wherein, corresponding to a transaction, the software product requires: (1) inputting or selecting a transfer account, (2) selecting a notification method, (3) corresponding to each payee, inputting a transfer amount, and (4) Corresponding to each payer, input a withdrawal password; for each payee, the verification module verifies that a unique website is generated for linking to a website provided by the server, and the exclusive website is provided to the software. The product is sent to the plurality of payers respectively according to the notification method; when the website is linked to the website through the exclusive website, the website requires the withdrawal password; the verification module verifies the withdrawal password. After the error is correct, the website requests to enter the account information of the payment account; the account module performs the transfer according to the information of the payment account.

In some embodiments of the invention, the notification method is via a text message, a social software or an email.

In some embodiments of the present invention, if the notification mode is selected to be notified by the short message, the software product requires input or selection of a phone number.

In some embodiments of the present invention, the server checks to confirm whether the phone number belongs to its customer, and if so, the account module directly transfers the account.

In some embodiments of the present invention, if the notification mode is selected to be notified by a social software, the software product is automatically linked to the social software on the mobile device, and the remitter is from the social software. One or more of the plurality of payers are selected among the contacts.

In some embodiments of the present invention, when the website is linked to the website through the exclusive website, the verification module confirms the transfer amount based on the exclusive website address.

In another aspect, the present invention provides a transfer method for facilitating a remittance to send money to a plurality of payers via a mobile device. The software transfer method includes the following steps: providing a server, wherein the server comprises a verification module and a account module; providing a software product installed on the mobile device; corresponding to a transaction, the software product requires: 1) Enter or select a transfer account, (2) select a notification method, (3) for each payee, enter a transfer amount, and (4) for each payee, enter a withdrawal password; corresponding to each For a payee, the verification module verifies that a unique website is generated for linking to a website provided by the server; the verification module provides the exclusive website to the software product; the software product is according to the notification method. Sending the exclusive website address to the plurality of payers separately; when linking to the website through the exclusive website, the website requires the withdrawal password; after the verification module verifies that the withdrawal password is correct, the website requests to input the payment. Account information; and the account module transfers funds based on the payment account information.

In some embodiments of the invention, the notification method is via a text message, a social software or an email.

In some embodiments of the present invention, if the notification mode is selected to be notified by the short message, the software product requires input or selection of a phone number.

In some embodiments of the present invention, the server checks to confirm whether the phone number belongs to its customer, and if so, the account module directly transfers the account.

In some embodiments of the present invention, if the notification mode is selected to be notified by a social software, the software product is automatically linked to the social software on the mobile device, and the remitter is from the social software. One or more of the plurality of payers are selected among the contacts.

In some embodiments of the present invention, when the website is linked to the website through the exclusive website, the verification module confirms the transfer amount based on the exclusive website address.

Through the transfer system or method disclosed in the present invention, corresponding to a transaction, the remitter can set the transfer account number, the transfer amount, the notification method, and the withdrawal password of the transfer account through the software product. Therefore, the remitter can individually designate more than one transfer account and transfer the amount according to individual needs, and select the notification method (for example, via SMS, social software or email) to inform the payer to withdraw money. After the payee receives the notification, the payee connects to the server through the exclusive URL. After entering the withdrawal password according to the requirements of the verification module, the verification module asks to input the payment account information, and the account module is based on the payment account information. Make a transfer. In this way, not only can the transfer transaction process be simplified, but also the account information security can be ensured, and the remitter can be omitted from the steps of inputting multiple information one by one to reduce the possibility of operation errors.

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

It is to be noted that all technical and scientific terms used herein have the same meaning as commonly understood by the ordinary skill in the art to which the invention pertains, unless otherwise indicated. In addition, the word "a" used in the specification, unless otherwise specified, means the quantity of at least one (one or more).

In one aspect, the present invention provides a transfer system for facilitating a remittance to send money to a plurality of payers via a mobile device. The transfer system includes a server and a software product. The server includes a verification module and a accounting module. The software product is mounted to the mobile device. Wherein, corresponding to a transaction, the software product requires: (1) inputting or selecting a transfer account, (2) selecting a notification method, (3) corresponding to each payee, inputting a transfer amount, and (4) Corresponding to each payer, input a withdrawal password; for each payee, the verification module verifies that a unique website is generated for linking to a website provided by the server, and the exclusive website is provided to the software. The product is sent to the plurality of payers respectively according to the notification method; when the website is linked to the website through the exclusive website, the website requires the withdrawal password; the verification module verifies the withdrawal password. After the error is correct, the website requests to enter the account information of the payment account; the account module performs the transfer according to the information of the payment account.

According to the present invention, the mobile device is included, but is not limited to a tablet computer or a smart phone. The mobile device can include a storage unit storing the code of the software product, and a processing unit for executing the code of the software product. In a preferred embodiment of the invention, the mobile device is a smart phone.

According to the invention, the software product is preferably a mobile application (App).

In some embodiments of the invention, the notification method is via a text message, a social software or an email. If the notification method is selected to be notified through the SMS, the software product requires input or selection of a phone number. According to an embodiment of the present invention, the server checks whether the phone number belongs to its customer, and if so, the account module directly transfers the account. For example, the server checks if the phone number belongs to a bank customer's phone number.

In some embodiments of the present invention, if the notification mode is selected to be notified by a social software, the software product is automatically linked to the community software on the mobile device, and the remitter is from the social software. One or more of the plurality of payers are selected among the contacts.

In some embodiments of the present invention, when the website is linked to the website through the exclusive website, the verification module confirms the transfer amount based on the exclusive website address.

In another aspect, the present invention provides a transfer method for facilitating a remittance to send money to a plurality of payers via a mobile device. The software transfer method includes the following steps: providing a server, wherein the server comprises a verification module and a account module; providing a software product installed on the mobile device; corresponding to a transaction, the software product requires: 1) Enter or select a transfer account, (2) select a notification method, (3) for each payee, enter a transfer amount, and (4) for each payee, enter a withdrawal password; corresponding to each For a payee, the verification module verifies that a unique website is generated for linking to a website provided by the server; the verification module provides the exclusive website to the software product; the software product is according to the notification method. Sending the exclusive website address to the plurality of payers separately; when linking to the website through the exclusive website, the website requires the withdrawal password; after the verification module verifies that the withdrawal password is correct, the website requests to input the payment. Account information; and the account module transfers funds based on the payment account information.

In some embodiments of the invention, the notification method is via a text message, a social software or an email.

In some embodiments of the present invention, if the notification mode is selected to be notified by the short message, the software product requires input or selection of a phone number.

In some embodiments of the present invention, the server checks to confirm whether the phone number belongs to its customer, and if so, the account module directly transfers the account.

In some embodiments of the present invention, if the notification mode is selected to be notified by a social software, the software product is automatically linked to the social software on the mobile device, and the remitter is from the social software. One or more of the plurality of payers are selected among the contacts.

In some embodiments of the present invention, when the website is linked to the website through the exclusive website, the verification module confirms the transfer amount based on the exclusive website address.

A preferred embodiment of the transfer system and method of the present invention will now be described with reference to Figures 1 and 2.

Referring to FIG. 1, FIG. 1 is a block diagram of a transfer system according to an embodiment of the present invention. In the present embodiment, the transfer system 1 is used to facilitate a money transferer to transfer money to a plurality of payers through a mobile device, and includes a server 10 and a software product 11. The server 10 includes a verification module 102 and a accounting module 103.

The software product 11 is mounted to the mobile device 9. Wherein, corresponding to a transaction, the software product 11 requires: (1) inputting or selecting a transfer account; (2) selecting a notification mode, and (3) inputting a transfer amount for each payee; and (4) ) For each payee, enter a withdrawal password.

In contrast, for each payee, the verification module 102 of the server 10 verifies that a unique web address is generated for linking to a website (not shown in the figure) provided by the server 10, and the The exclusive website is provided to the software product11. The software product 11 transmits the exclusive website address to the plurality of payers respectively according to the notification manner. When the plurality of payers connect to the website through the exclusive website, the website will ask for the withdrawal password. After the verification module 102 verifies that the withdrawal password is correct, the website requests to input the payment account information. Next, the account module 103 performs transfer according to the payment account information. In some embodiments of the present invention, when the website provided by the server 10 is linked to the website provided by the server 10, the verification module 103 confirms the transfer amount based on the exclusive website address.

In some embodiments of the invention, the notification method is via a text message, a social software or an email. Community software, such as Line, Facebook or WeChat. The remitter can choose according to his or her preference or convenience, and the present invention does not limit the notification method.

For example, if the notification mode is selected to be notified via the SMS, the software product 11 requires input or selection of a phone number. In some embodiments of the present invention, the server 10 can check whether the phone number belongs to its client, and if so, the account module 103 directly transfers the account.

In addition, if the notification mode is selected to be notified by the community software 91, the software product 11 is automatically connected to the community software 91 on the mobile device 9 for the remitter from the contact of the community software 91. Select one or more of the plurality of payers.

In some embodiments, the server 1 further includes a community software module (not shown in the drawings). The social software module can be connected to the social software on the mobile device according to the notification mode selected by the remitter.

In some embodiments, the transfer system 1 further includes the mobile device 9, and the mobile device 9 includes, but is not limited to, a tablet or a smart phone. The mobile device 9 can include a storage unit (not shown), a code for storing the software product 11, and a processing unit (not shown) for executing the program of the software product 11. code. In a preferred embodiment of the present invention, the mobile device 9 is a smart phone.

In addition, the modules that are turned on can be implemented by hardware or software technology.

In another aspect, the present invention provides a transfer method for facilitating a remittance to send money to a plurality of payers via a mobile device. Referring to FIG. 2, FIG. 2 is a flow chart showing a method for transferring funds according to an embodiment of the present invention. As shown in the figure, the method includes the following steps: (S20) providing a server, wherein the server comprises a verification module and a accounting module; (S21) providing a software product installed on the mobile device; S22) corresponding to a transaction, the software product requires: (1) input or select a transfer account, (2) select a notification mode, (3) correspond to each payee, input a transfer amount, and (4) Corresponding to each payee, inputting a withdrawal password; (S23) corresponding to each payee, the verification module verifies that a unique website is generated for linking to a website provided by the server; (S24) the verification module Providing the exclusive website to the software product; (S25) the software product separately transmits the exclusive website address to the plurality of payers according to the notification method; (S26) when the website is linked to the website through the exclusive website, The web site asks for the withdrawal password; (S27) after the verification module verifies that the withdrawal password is correct, the website requests to input the payment account information; and (S28) the accounting module performs the transfer according to the payment account information.

In some embodiments of the invention, the notification method is via a text message, a social software or an email. If the notification method is selected to be notified through the SMS, the software product requires input or selection of a phone number. In addition, the server checks to see if the phone number belongs to its customer, and if so, the account module directly transfers the account.

In some embodiments of the present invention, if the notification mode is selected to be notified by a social software, the software product is automatically linked to the social software on the mobile device, and the remitter is from the social software. One or more of the plurality of payers are selected among the contacts.

In some embodiments of the present invention, the server further includes a community software module. The community software module can call the corresponding community software on the mobile device according to the notification mode selected by the remitter.

In some embodiments of the present invention, when the website is linked to the website through the exclusive website, the verification module confirms the transfer amount based on the exclusive website address.

It should be noted that the transfer method of the present invention may be completed with or without the aforementioned transfer system 1.

Compared with the prior art, through the transfer system or method disclosed in the present invention, the remitter can set the transfer account, the transfer amount, the notification method and the withdrawal password of the transfer by the software product corresponding to a transaction. Therefore, the remitter can individually designate more than one transfer account and transfer the amount according to individual needs, and select the notification method (for example, via SMS, social software or email) to inform the payer to withdraw money. After the payee receives the notification, the payee connects to the server through the exclusive URL. After entering the withdrawal password according to the requirements of the verification module, the verification module asks to input the payment account information, and the account module is based on the payment account information. Make a transfer. In this way, not only can the transfer transaction process be simplified, but also the account information security can be ensured, and the remitter can save the step of inputting multiple pieces of information one by one, the convenience is greatly improved, and the possibility of operation errors is reduced.

Those skilled in the art will appreciate that changes may be made to the above-described embodiments without departing from the broad inventive concepts. Therefore, it is understood that the invention is not limited to the specific embodiments disclosed, but the modifications and the scope of the invention as defined by the appended claims.

1 ‧‧‧Transfer system

10 ‧‧‧Server

102 ‧‧‧ verification module

103 ‧‧‧Accounting Module

11 ‧‧‧Software products

9 ‧‧‧Mobile devices

91 ‧‧‧Community software

S20~S28 ‧‧‧Step process

1 is a block diagram of a transfer system in accordance with an embodiment of the present invention.

2 is a flow chart showing a method of transferring funds according to an embodiment of the present invention.

no

Claims (14)

A transfer system for facilitating a remittance to remit money to a plurality of payers through a mobile device, the transfer system comprising: a server comprising a verification module and a accounting module; and a software product installed in the The mobile device; wherein, corresponding to a transaction, the software product requires: (1) inputting or selecting a transfer account, (2) selecting a notification method, and (3) inputting a transfer amount for each payee, and (4) For each payee, enter a withdrawal password; for each payee, the verification module verifies that a unique website address is generated for linking to a website provided by the server, and the exclusive website address is provided The software product is sent to the plurality of payers respectively according to the notification method; when the website is linked to the website through the exclusive website, the website requires the withdrawal password; the verification module verifies After the withdrawal password is correct, the website requests to input the payment account information; the accounting module performs the transfer according to the payment account information. The system of claim 1, wherein the notification method is via a newsletter, a social software or an email. The system of claim 2, wherein the software product requires input or selection of a phone number if the notification mode is selected to be notified via the SMS. The system of claim 3, wherein the server checks to confirm whether the phone number belongs to its customer, and if so, the account module directly transfers the account. The system of claim 2, wherein if the notification method is selected to be notified by a social software, the software product is automatically linked to the social software on the mobile device for the remitter to contact the social software One or more of the plurality of payers are selected by the person. The system of claim 1, wherein the server has a withdrawal period for the transaction, and the exclusive website is valid only during the withdrawal period. The system of claim 1, wherein the verification module confirms the transfer amount based on the exclusive website address when the website is linked to the website through the exclusive website. A transfer method for facilitating a remittance to remit money to a plurality of payers through a mobile device, the transfer method comprising: providing a server, wherein the server comprises a verification module and a accounting module; providing a software The product is installed in the mobile device; corresponding to a transaction, the software product requires: (1) input or select a transfer account, (2) select a notification method, and (3) correspond to each payee, input one out Amount, and (4) for each payee, enter a withdrawal password; for each payee, the verification module verifies that a unique website address is generated for linking to a website provided by the server; the verification module Providing the exclusive website to the software product; the software product separately transmits the exclusive website address to the plurality of payers according to the notification method; when the website is linked to the website through the exclusive website, the website requires the withdrawal of the withdrawal Password; after the verification module verifies that the withdrawal password is correct, the website requests to input the payment account information; and the accounting module performs the transfer according to the payment account information. The method of claim 8, wherein the notification method is via a newsletter, a social software or an email. The method of claim 9, wherein the software product requires input or selection of a phone number if the notification mode is selected to be notified by the short message. The method of claim 10, wherein the server confirms whether the phone number belongs to its customer, and if so, the account module directly transfers the account. The method of claim 9, wherein if the notification mode is selected to be notified by a communication software, the software product is automatically linked to the social software on the mobile device, and the remitter is connected to the community software. Select one or more of the plurality of payers. The method of claim 8, wherein the server has a withdrawal deadline for the transaction, the exclusive website being valid only during the withdrawal period. The method of claim 8, wherein the verification module confirms the transfer amount based on the exclusive website address when the website is linked to the website through the exclusive website.