TW201946012A - International remittance process system including a customer information login registration page, a customer identity verification page, a remittance page, and a payment method - Google Patents

Abstract

The invention provides an international remittance process system, which mainly comprises multiple verification processes including a customer information login registration page, a customer identity verification page, a remittance page, and a payment method, so that customers can achieve the purpose of remittance more securely and accurately.

Description

International Remittance Process System

The present invention mainly relates to an international remittance process system, in particular to an identity verification after obtaining a password by registering as a xx.com member, and when remittance is performed after identity verification is completed, the remittance page is entered to enter remittance-related information, and select Payment methods such as debit via eATM or inward payment via virtual account, etc., can be used for remittance. When customers use remittance, they only need to log in to the remittance page to operate. Quickly complete the purpose of remittance.

According to the telegraphic transfer (T / T) is one of the basic methods of foreign exchange remittance business. When the sender performs a wire transfer at the remittance bank, the remittance bank usually uses the Society for Worldwide Interbank network (Society for Worldwide Interbank). Financial Telecommunication (SWIFT) and other telecommunications methods send a wire transfer payment entrustment to the remittance bank, instructing the release of a certain amount to the payee. The advantage of the wire transfer is that the payee can quickly receive the remittance from the sender.

Among them, the remittance person fills in the telegraphic transfer form and pays the fees to the bank counter of the remittance bank. The staff must enter the information filled in by the remittance person into the computer one by one and carefully review the remittance amount. In the above transaction operation process, it is necessary to The bank manually enters or audits it to complete it. Therefore, when the remitter comes to the counter, they often need to wait for a long time, causing a waste of time for the remitter.

In view of the fact that the current wire transfer requires a long time to come to the counter to handle the problem, the improved design of the present invention achieves the purpose of the invention described below.

The main purpose of the present invention is to provide an international remittance flow system which can make remittance easier and more accurate.

The main features of the present invention: the international remittance flow system mainly includes: a remittance bank computer, which can access data; an international remittance flow system, which is built in the remittance bank computer, and the international remittance flow system includes customers Information login registration page, customer identity verification page (identity verification KYC process), remittance page and payment method; with the guidance of the above system, customers can make remittances more secure and easy.

In order to make the technical means, creative features, objectives, and effects of the present invention easy to understand, a preferred embodiment and accompanying drawings are used to describe the features and implementations of the present invention in detail:

First, please refer to Figures 1-9. The present invention mainly includes a remittance bank computer 1 and an international remittance flow system 2. The international remittance flow system 2 is stored in the remittance bank computer 1. The international remittance flow system 2 includes: Customer information login registration page 20, customer identity verification page (identity verification KYC process) 21, remittance page 22 and payment method 23, of which customer information login registration page 20 is required to enter personal information (such as name, address, phone, email, and Registration password); Customer identity verification page (identity verification KYC process) 21 steps include online photo taking and retention of dual credentials, identification of credentials, input of information to be verified (bank account number, mobile phone number, birthday) and checking whether the input account is the same If the bank account is already opened, if the account is already opened in the bank, the OTP verification will be completed and KYC verification will be completed; if the bank account is not opened, the financial card verification (insert financial card verification) or no financial card verification (enter information on the web page) Two ways to pass the information to the interbank through the financial information company (open the account to be verified Bank), OTP verification and completion of KYC verification. After the customer identity verification page (identity verification KYC process) 21 is completed, enter the remittance page 22. The remittance page 22 steps include checking whether the identity document has expired. Will lock the remittance transaction, need to return to the customer identity verification page (identity verification KYC process) 21 operations; and those who have not expired enter remittance information (including payee name, occupation, receiving country, purpose and amount), input Enter the discount code, calculate the exchange rate and the remittance amount after entering the discount.) Payment method 23; the payment method 23 has four options: A, B, C, and D. Among them, method A is through eATM deduction, and method B is through virtual To transfer funds into account, method C is for debit via ebill, method D is for direct debit of the bank customer. When customer payment method 23 selects method A (see Figure 6), the steps are: insert according to the instructions on the screen The same financial card as the registered account of KYC, input the password of the financial card, check whether the debit account is consistent with the KCY provided, and if it matches, the debit will be successfully remitted (get the MTCN code) When the payment is executed, the payment fails. You need to re-insert the KYC-compliant financial card to re-operate the process. When the customer chooses method B (see Figure 7), the steps are: generate a virtual account number on the payment page (effective payment within one hour) Payment), the customer operates the same registered account as KYC for transactions through ATM or online banking (1. ATM transfer / payment → insert a financial card to enter the password; 2. online banking transfer → login to online banking to enter the password) to transfer into the virtual account and system Check whether the transferred account number matches KYC. If the account number matches KYC, the remittance is successfully transferred (get the MTCN code). When the account number does not match the KYC, the transfer fails; when the C method is selected (see Figure 8), its The steps are: the system will determine whether it is the first time to use, if it is the first time, you must apply for a deduction online. The steps are: enter the xx.com payment page and insert the online payment agreement of the financial card with the same account as KYC. Deduct and check whether the account is the same as KYC. If the account is the same as KYC, the financial company and the card issuer will establish a file and complete the file creation steps. If the deduction has been previously agreed, directly select the deducted account, SMS OTP verification, Debit completion and remittance Outward remittance (get the MTCN code); when you choose the D method (see Figure 9), the steps are: the system will confirm whether the KYC has been completed with the bank account identity, and if so, provide the bank account opened by the customer Make a selection, choose an account, and send an OTP to verify whether it is the customer, the debit is completed, and the remittance transaction is completed (get the MTCN code); if it is not the bank account, you cannot use this D method to pay.

During use, the sender must first enter the customer information login registration page 20 to register as a xx.com member before use. After registering the member account password, enter the customer identity verification page (identity verification KYC process) 21 for identity verification, identity verification is complete When remittance is needed later, enter the remittance page 22 and enter the remittance related information. After the completion of the remittance, select the payment method 23. After the remittance is completed, the MTCN code (10 digits) will indicate that the remittance is complete. After that, if the customer needs to remit money again, only After logging in to the membership, you can enter the remittance page 22 and enter the remittance information to conduct remittance transactions. If the customer has previously registered but has not completed identity verification, you must complete the identity verification before login to perform remittance.

As can be seen from the above description, the present invention has the following advantages: 1. The international remittance flow system 2 of the present invention makes customers more secure and faster when remittances. 2. The international remittance flow system 2 of the present invention can select payment methods according to customer needs, so it can be more convenient. 3. The international remittance process system 2 of the present invention enables quick identity verification before remittance, which reduces remittance time. 4. The international remittance flow system 2 of the present invention allows customers to avoid the bank waiting at the counter to handle long waits, resulting in a waste of time. 5. The international remittance process system 2 of the present invention adopts two-way confirmation. When customers use it for the first time, they need to register as a member and fill in the details of the sender and the recipient, so that future remittances can be more convenient. And safe.

However, the above is only a preferred embodiment of the present invention. When the implementation scope of the present invention cannot be limited by this, that is, any equal change or modification made in accordance with the scope of patent application of the present invention and the description of the new type should still be It is within the scope of the invention patent.

1‧‧‧ remittance bank computer

‧‧‧International Remittance Process System

20‧‧‧Customer Information Login Registration Page

21‧‧‧Customer Identity Verification Page

22‧‧‧ Remittance Page

23‧‧‧ Payment methods

Figure 1 is a schematic diagram of the international money transfer system of the present invention. Figure 2 is a flowchart of the steps of the international money transfer system of the present invention. Figure 3 is a flowchart of the steps of the member registration page of the international money transfer system of the present invention. FIG. 4 is a flowchart of the KYC steps of the identity verification of the international money transfer system of the present invention. FIG. 5 is a flowchart of the remittance steps of the international remittance system of the present invention. FIG. 6 is a flowchart of the payment option A step of the international remittance system of the present invention. FIG. 7 is a flowchart of step B of payment option of the international remittance system of the present invention. FIG. 8 is a flowchart of step C of payment option C of the international remittance system of the present invention. FIG. 9 is a flowchart of step D of the payment option of the international remittance system of the present invention.

Claims (5)

The international remittance flow system mainly includes: a remittance bank computer, which can be used to access data; an international remittance flow system, which is built into the remittance bank computer. The international remittance flow system includes a customer data login registration page, a customer Identity verification page (identification verification KYC process), remittance page and payment method; With the guidance of the above system, customers can send money more securely and easily. The international remittance process system described in item 1 of the scope of patent application, wherein the customer information login registration page of the international remittance process system contains personal information entered with name, address, telephone, email, and registration password. The international remittance process system described in item 1 of the scope of patent application, where the customer verification page of the international remittance process system includes photos taken on the wire and retained dual documents, identification of document information, input of information to be verified, check of input accounts, and newsletter OTP verification. For example, the international remittance process system described in item 1 of the scope of patent application. In the international remittance process system, when the customer passes the identity verification, he will enter the remittance page to check whether the identity document has expired. Those who have expired will be locked. For remittance transactions, those who have not yet entered the remittance information (including the payee name, occupation, receiving country, purpose and amount), enter the discount code, calculate the remittance amount after discounting the exchange rate and discount. According to the international remittance process system described in item 1 of the scope of patent application, the payment methods of the international remittance process system include debit via eATM, remittance via virtual account, debit via ebill, and direct debit by the bank's customers.